credit « compare credit report – transunion experian equifax

February 28, 2012

Q&A: Why is Trans Union Credit Report Score 23 points lower than Equifax and Experian?

Filed under: Trans Union — Tags: credit, Equifax, Experian, lower, points, report, Score, than, trans, union — admin @ 5:42 pm

Question by : Why is Trans Union Credit Report Score 23 points lower than Equifax and Experian?
I want to refinance my loan and the banks in the area of the US where I live mostly pull the credit report from that specific source. So, why is it lower than the other two and how can I fix it? It has the exact same info as in the other two. I have all three reports with me. Should I go and hand them to the financial officer at the bank to show the incongruity?

Best answer:

Answer by Diane A
Just could be how they score things & have no impact.

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February 23, 2012

Free copy of credit report when you’re disputing?

Filed under: Compare Credit Report — Tags: Copy, credit, disputing, Free, report, you're — admin @ 5:42 pm

Question by Sarah: Free copy of credit report when you’re disputing?
Back in November I used up my free reports from 2 agencies for a 12-month period because Experian listed an account that wasn’t mine, so I requested my report from Equifax to compare. I disputed the account and the company (Sprint) gave me a lot of problems, so I disputed with Experian as well. I just got my report from the third agency (TransUnion) and the account isn’t listed, but I want to get another copy of my report from Experian to make sure it came off. I thought I was entitled to another free report since I was in the middle of a dispute, but I can’t figure out how to do that (the website maintaining telling me I already got my free report for the year). Do I have to call Experian?

Best answer:

Answer by Apples to Apples
You definitely need to call them. They should provide you with a free additional copy since you have disputes.

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February 3, 2012

Q&A: what is the fastest way to remove a collection from equifax credit report?

Filed under: Equifax — Tags: collection, credit, Equifax, fastest, from, remove, report — admin @ 5:42 pm

Question by jawsnu7: what is the fastest way to remove a collection from equifax credit report?
Im in the process of getting a mortgage and all of a sudden this(collections) pop up on my Equifax credit file. I know it will hurt my score already. I need to know the best way to go about getting it removed. I heard even if you pay it off it will remain as a negative. Any good advice?

Best answer:

Answer by askme
dispute it. Tell them you have no knowledge of the creditor

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January 19, 2012

Q&A: How does account settled for debts in collection affect your credit?

Filed under: Compare Credit Report — Tags: Account, affect, collection, credit, Debts, settled — admin @ 5:42 pm

Question by Sage: How does account settled for debts in collection affect your credit?
When a negative item in your credit report is settled because you paid it off, how greatly does your credit increase as compared to if if still not settle and in collection? Can the “been settled” be completely removed from the report?Is it better to pay off the debt in full or settle for less? How significant is this to determine the FICO tally (settle in full or settle for less?) Please assist, thank you.

Best answer:

Answer by ∞infiniti∞
It is always better for you to settle for less. Make sure you two things in writing first from the collection agency.First, make sure that your the settlement amount constitutes “payment in full”. Otherwise, the collection agency could later come after you for the balance. Second, get a “pay for delete” agreement with the collection before you pay them a dime. A derogatory trade line is still a derogatory trade line even if it is paid in full or settled.

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January 14, 2012

How do I freeze access to my credit files with Experian,Equifax and Trans Union to avoid identity theft?

Filed under: Trans Union — Tags: access, avoid, credit, ExperianEquifax, files, freeze, Identity, Theft, trans, union — admin @ 5:42 pm

Question by p60638: How do I freeze access to my credit files with Experian,Equifax and Trans Union to avoid identity theft?
What does it cast? Do you know an easy way to do it?

Best answer:

Answer by newjerseyguy
You have to contact each bureau and request a freeze – yes, there is a charge. Their web sites have details.

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January 9, 2012

What are the mailing addresses of Experian, Equifax, and Trans Union to dispute a negative on my credit report

Filed under: Trans Union — Tags: addresses, credit, dispute, Equifax, Experian, mailing, negative, report, trans, union — admin @ 5:44 pm

Question by VintageDressGal: What are the mailing addresses of Experian, Equifax, and Trans Union to dispute a negative on my credit report
Should my letter be addresses to anyone in particular, and what are the exact mailing addresses?Thanks!

Best answer:

Answer by Anjell
Don’t try and address it to anyone in particular….they’ll end up looking for a dept/person that doesn’t exist.ExperianP.O. Box 2002Allen, TX 750131 888 397 3742EquifaxP.O. Box 740241Atlanta, GA 303741-800-685-1111TransUnionP.O. Box 1000Chester, PA 190221-800-888-4213

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December 20, 2011

Q&A: Question about TransUnion free credit report?

Filed under: Compare Credit Report — Tags: about, credit, Free, Question, report, Transunion — admin @ 5:43 pm

Question by Smith K: Question about TransUnion free credit report?
Question about TransUnion free credit report?Hi everyone, I try to get a free credit report on annualcreditreport.com —-> TransUnion website. But I don’t know why it said:Privacy Protection The Identity Security System isn’t able to confirm your identity. Explanation: The Identity Security System confirms your identity through a series of questioned based on accounts and personal information contained in your Personal Credit Report. The system was unable to get enough information from the Personal Credit Report to complete this process. What to do: Please return to annualcreditreport.com and order your Personal Credit Report by phone or mail. I am sure all the information I enter is correct and I tried 6 times already, but I got the same message. I don’t want ot order by mail and phone, because I need to wait 2 -3 weeks. Can someone help me please?PS: I got a free report on equifax few day ago(I want a new on from TransUnion because I want to compare them). Is this the reason why I can not get the new report from TransUnion.

Best answer:

Answer by Sand Bag
You are doing everything correcting. I tried getting my reports from the 3 bureaus endured week and got the same message on TransUnion. Equifax and Experian processed just fine. I think there is a bug in the system.

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