compare credit report – transunion experian equifax

August 30, 2011

August 12, 2011

My score with Experian is 0, but with the other 2 they are good.How can I get a score with Experian?

Filed under: Experian — Tags: , , , — admin @ 9:08 am


Question by cmb: My score with Experian is , but with the other 2 they are full.How can I get a score with Experian?
My credit scores are, Transunion-659, Equifax-710, and Experian-…Experian said they do not have enough information on me to put a score. My question is does it matter if I have an o score with Experian and if so why? How can i get a score with Experian.

Best answer:

Answer by golferwhoworks
you have no creditors that you owe that report to experian. NO big deal at all in your case all lenders will use the 659 score to credit grade



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July 29, 2011

Q&A: Why does Equifax 3 credit bureaus show a different experian score than Experian’s actual websites?

Filed under: Equifax — Tags: , , , , , , , , , , — admin @ 4:19 pm


Question by Patrick: Why does Equifax 3 credit bureaus show a different experian score than Experian’s actual websites?
I currently pay for both equifax complete and experian’s credit monthly. I ordered the Three bureau credit report from equifax last month, and my scores were eq 645, ex 657 tu 651. But when I ordered my Experian and it shows my score at 717. SO how does that add up?

Best answer:

Answer by bloomorningglory
They are all useless. What you really want is a FICO score. FICO scores are what lenders use. There are only two places to buy FICO scores if you’re a consumer. That would be myfico.com and transunioncs.com. Never pay for a score unless it specifically says “FICO”. If you’ll be using myfico.com, google for a discount code before.The others you bought are someone’s homegrown version. They saw an opportunity to make money off of someone’s lack of expertise in this area and they took advantage.



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July 27, 2011

Q&A: Do auto dealers use Trans Union or Experian credit score to lease/finance a car?

Filed under: Trans Union — Tags: , , , , , , , — admin @ 5:08 pm


Question by vgolish: Do auto dealers use Trans Union or Experian credit score to lease/finance a car?
I know that auto dealers use a specific credit score to rent/finance a car, but I forgot which one. I believe it is either Trans Union or Experian. I know that auto dealers use one score even if this score is the lowest of all. Does any one know which credit score, Trans Union or Experian, auto dealers use to rent/finance a car? Thanks.

Best answer:

Answer by James B
they probably pull all three Trans union, experian, and Equafax.



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July 15, 2011

How different is the Experian Credit Score from your actually FICO?

Filed under: Experian — Tags: , , , , , , — admin @ 11:10 pm


Question by JP: How different is the Experian Credit Score from your actually FICO?
Last year I did my yearly free credit score, which takes your score from all 3 bureaus.. and did one of those free 30 day trials to get my credit score like 6 months ago and it was 517. I havent made any payments to my lonesome negative account, but now my score is like 624 on a free experian one i did today. how different are the two scores?

Best answer:

Answer by Ryan M
It is calculated on a completely dissimilar scale, using different weights, factors, and criteria. The Experion score is generally 100-150 points HIGHER than your actual FICO score….that is due mostly to the Experian score having a higher ceiling.



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June 2, 2011

Get a Credit Report and Score Without Enrollment in a Free Trial from NationalCreditReport.com


Get a Credit Report and Score Without Enrollment in a Free Trial from NationalCreditReport.com®

Delray Beach, FL (Vocus/PRWEB) March 02, 2011

NationalCreditReport.com®, a leader in credit report, credit score and credit monitoring services, today announced a new product that gives consumers the opportunity to buy a credit report with no trial of credit monitoring services or any other “free” trial subscriptions. This unique product provides consumers with one simple transaction without the automatic enrollment in any free trial or recurring billing subscription programs. This means no calling to cancel and no monthly credit card charges. The strategic move also creates a major point of difference in the credit reporting business as most of the other companies in this industry automatically enroll customers in their “free trial” programs, even when consumers purchase their credit products.

“We created this product to give consumers a choice when it comes to getting their credit reports and credit scores. Everyone should check their credit reports and scores routinely and this product empowers consumers to check their credit without being automatically enrolled in any other programs,” said, Samuel S. Ambrose, Vice President of Marketing & Operations for NationalCreditReport.com.

“We encourage consumers to shop around and compare the different offers found online, read the terms and conditions to understand exactly what they are registering for and then come to NationalCreditReport.com and take advantage of our product offering. Once they compare products and services they will quickly learn that we have the best deal on the market.”

Ambrose acknowledges the importance of credit monitoring as a vital tool to help protect consumers from becoming victims of credit fraud and identity theft. NationalCreditReport.com will continue to sell credit monitoring, both as an upgrade and a la carte, however it will be on a 100% opt-in basis versus the traditional methods used in the industry.

The Fair Credit Reporting Act (FCRA), instituted by the Federal Trade Commission, states that consumers can check their credit report for free once per year from each of 3 major credit bureaus (Experian™, Equifax™ and TransUnion™). These reports do not include a free credit score although they can be purchased for a fee.

Consumers interested in buying their credit report with no trial can do so with NationalCreditReport.com without being mechanically enrolled in any costless trial programs. As a convenience, NationalCreditReport.com will maintain its costless credit score hook on its website, but anticipates it will yet be withdrawn as the popularity of its payed up front products grows.

About NationalCreditReport.com
Since 2004, NationalCreditReport.com has specialized in providing credit information and credit monitoring services to consumers to help them understand their credit report and score. NationalCreditReport.com encourages consumers to check their credit report on a regular basis.

Contact:
Allison Tomek
NationalCreditReport.com
561-805-8000

###


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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



May 4, 2011

Why is Equifax credit score the most important?

Filed under: Equifax — Tags: , , , , — admin @ 12:08 pm


Question by sweet_jemise: Why is Equifax credit score the most important?
Everytime i see anything about credit scores, they involve first equifax, like the others dont matter. Why is equifax so important than the others, i have a lower equifax score than the other 2 bureaus, why is that? is equifax more inportant than the other?

Best answer:

Answer by tsisul
Each of the three credit bureaus – Equifax, Experian, and TransUnion – are equally important. My guess is that Equifax is always listed first, since it comes foremost alphabetically.As for the lower Equifax score, it could be a number of things. However, what I tin say is that Equifax is reporting something negative that is missing from your Experian and TransUnion reports…or…Experian and TransUnion are reporting something positive that is missing from your Equifax report.My initial recommendation would be to – compare the reports side-by-side to see whether there are any differences in the number of creditors and/or payment history. Unfortunately, I’m not able to tell you anything more without seeing the reports firsthand. Hope this helps,-Ted



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