Is it safe to get credit reports and scores from annualcreditreport.com and myfico.com?
I would like to get both my credit report and credit score from all three credit bureaus. I am willing to pay for them, but I want to be sure that my information will be secure. Are both of these sites safe? Which one is better? Thank you!
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Experian deleted an item from my credit report. Does this mean I no longer owe anything?
I received my credit report from Experian and there was an item on it that showed I owed more money than I thought I did. I requested an investigation and the results said that that the item was deleted. Does this mean that I don’t owe the debt or does it just mean that no one will see it when they run a credit check? Also, do I need to dispute it with the other credit bureaus too?
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What types of credit accounts are needed to get a high credit score?
I would like to improve my credit score (it’s about 615) in order to qualify for a mortgage with a low interest rate in about a year or so. I currently have an auto loan and three revolving credit accounts (all bank credit cards). Two of the credit cards are new and the other one is almost a year old. My auto loan will be a year old in a few months. Would my score go up if I apply for more credit? If so what type of credit? What is a good mixture of credit to have to get a higher credit score?
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Little known secrets for improving your credit score
What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”…
While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better.
Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative ones. Unfortunately, few consumers or credit repair companies know this.
One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22.
How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on.
Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors:
1.) The “High Credit Limit”
and
2.) Your “Debt to Credit” Ratio
Your high credit limit is simply the total amount of primary unsecured revolving credit lines you have (i.e. three credit cards at $5,000 each equals a high credit limit of $15,000).
Get it? Good.
Your debt to credit ratio is simply the amount owed on these cards in relation to your high credit limit (i.e. if your high credit limit was $15,000 and you owed $7500 your debt to credit ratio would be %50).
Keep in mind, your high credit limit is comprised ONLY of your total amount of unsecured revolving lines of credit. Home mortgages, auto loans, student loans, equipment leases and debit cards do NOT count towards your high credit limit.
A debt to credit ratio of 25% or less is ideal. Of course, there are many other factors which come into play, but keeping it simple, how does one improve credit score via increasing their high credit limit and lowering their debt to credit ratio?
That is the question….
The fastest way we have found is by adding primary user unsecured revolving lines of credit which are guaranteed approval (note: these are NOT authorized user accounts!). These are unsecured lines of credit which appear on your report just like a visa card, mastercard or department store card etc.
We have found that while unsecured credit is the most difficult to obtain, it has proven to be the highest scoring on ones credit report. To find out the fastest we’ve found to add primary unsecured revolving lines of credit to your credit report, please visit:
By opting in you’re receive more free valuable videos, reports and education on improving and maintaining your credit as well as information about our products and services. Your attention and support is appreciated.
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I need a good credit repair company to help me fix my credit.
I want a credit repair company to help me repair my credit and raise my credit score. There are so many companies online but I don’t know how to make sure which ones are any good. Can someone help me choose a reputable company?
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How is it Possible to have a Credit Score of 877?
I recently got my credit score using a 3 bureau estimate from Equifax and the result was 877. I researched credit scores online and found that 850 is supposed to be the maximum for FICO scores. If this is true, how could anyone have a credit score higher than that? I’ve had credit for over 35 years and I have never been late on any payment ever. But still, how could it be over 850? Does anyone know how this could be possible? Thanks.
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Defend Against Identity Theft – Advice From The FTC
In the course of a busy day, you may write a check at the grocery store, charge tickets to a ball game, rent a car, mail your tax returns, change service providers for your cell phone, or apply for a credit card. Chances are you don’t give these everyday transactions a second thought. But an identity thief does. Identity theft is a serious crime. People whose identities have been stolen can spend months or years and thousands of dollars cleaning up the mess the thieves have made of a good name and credit record. In the meantime, victims of identity theft may lose job opportunities, be refused loans for education, housing, or cars, and even get arrested for crimes they didn’t commit. Humiliation, anger, and frustration are among the feelings victims experience as they navigate the process of rescuing their identity. Working with other government agencies and organizations, the Federal Trade Commission (FTC) has produced this booklet to help you remedy the effects of an identity theft. It describes what steps to take, your legal rights, how to handle specific problems you may encounter on the way to clearing your name, and what to watch for in the future.
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What information do you get from annualcreditreport.com?
I would like to know my credit score. I have done some research and it looks like the only one the government endorses is annualcreditreport.com
I was wondering, what information do you actually get? I have heard that you only get a general status like “good, fair, excellent” and not your actual credit score. Is this correct?
If that’s right, where can you get your score without getting ripped off by one of the sites that require credit card info?
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Why did I get three different credit scores?
I recently got my free credit reports from the three credit reporting companies and then I paid to get my credit scores. I got a different score from each company. Equifax gave me a credit score of 569, Experian 572, and Transunion 635. Why is this and how can I find out my real credit score? What can I do to correct this?
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Identity Theft Is So Easy
See how easy identity theft is and how devastating it can be for the victims.
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TransUnion has another persons information on my credit report
I got my free credit reports from all three credit reporting agencies today. I didn’t find any errors on Experian or Equifax but TransUnion has an additional name on my credit record with them. I don’t understand why they would have all her crap on my report! I have already contacted TransUnion to dispute this and I’m waiting for their response. Although I just discovered this today, this has probably been on my report for some time. I definitely intend to keep following up but I’d like to know if anyone else has ever had this happen to them and what and was the outcome. Also, will TransUnion just remove all of this or is this going to be a long drawn out process?
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Are the free annual credit reports based on a calendar year?
I know you can get free credit reports from the three credit bureaus every year, but is this based on a calendar year or does it depend on the date which you requested them?
For example, if I ordered all three on June 22nd, 2010, would I be able to order all three again on January 1st, 2011, or would I have to wait until June 22nd, 2011?
Thanks for the help.
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How do I improve my credit score?
Three years ago I went crazy and opened five store credit cards to save money with the initial discount on my purchases. This must have hurt my credit score because I don’t have any late payments or anything else that would have lowered it. I would like to improve my credit scores so I’m looking for answers to these questions:
1) How long will it take before those inquiries fall off my credit report?
2) Would closing any of these store credit cards increase my credit score?
3) I owe over $50,000 in student loans that will hopefully be discharged soon due to my disability. Will the student loans being discharged increase my credit score?
Thank you for your answers.
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Does it hurt your credit score when you use AnnualCreditReport.com?
I would like to see what my credit score is. I understand that AnnualCreditReport.com allows you to view a copy of your credit report every 12 months for free. Would doing this hurt my credit in any way? Also, is it truly free or are you required to sign up for a subscription?
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Can credit repair companies really do what they claim?
There are so many credit repair companies and they all claim that they can practically perform miracles. Do they really do what they advertise? Which ones have good credentials? Does anybody have any good or bad experiences with their services?
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What information should be included in a dispute letter to the credit bureaus?
I disputed a few items on my Equifax credit report and they were taken off. These same items are on the other two reports but the only way to file a dispute with TransUnion and Experian is to write a letter to them. What information should I include in the letters? I just want to know the steps I should take to ensure an expedient outcome without having to write multiple letters to each one.
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Mortgage companies that also do credit repair
I would like to refinance my home but I have a few negative items on my credit report. Are there any good mortgage companies that will do both refinancing and credit repair?
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I need the web address for the free annual credit report
I want to repair my credit, but I need to know exactly what is on my credit report. I was told that once a year everyone is suppose to be able to get a free credit report. However, I cant seem to find the web site in any search engine. All the ones I found ask for a credit card or debit card number, which I don’t have due to my bad credit.
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Is there a credit card company that will only check Transunion credit score?
I would like to get a credit card to help build my credit. My Transunion credit score is much higher than Experian and Equifax so I am looking for a credit card company that only checks Transunion. Does anyone know of such a card or where I can find this information?
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What can I do about this type of identity theft?
I have had several accounts opened in my name due to identity theft. I think a corrupt mortgage broker took my information and did this. Anyway, I paid on two accounts for at least six months, which was really stupid. In December I decided that enough was enough so I stopped paying and started to take action. My lawyer says that these can still be proven, but it seems hopeless. Could somebody that works in this field or has experience with this give me some advice?
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Looking for a legit credit repair company
My husband and I are looking to buy a house in about 6 months so we would like to fix our credit fast . So many credit repair companies claim that they can remove bad items from your credit report. Has this worked for anyone? If so, which company and how much did your credit score increase? How long did it take?Also, how much did it cost to have this done?
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How can I get my free annual credit report?
I know that new regulations require the “big three” credit bureaus to provide a free credit report once a year to everyone, but how do I get it?
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How do I cancel my account on annualcreditreport.com?
I got my credit reports from www.annualcreditreport.com and they didn’t charge me anything but I would like to cancel my account with them so they won’t charge me for anything in the future. I know it was the real government website and it’s supposed to be totally free but I would just like to make sure. I can’t find a phone number to speak with anybody other than 877-322-8228, but that is only for requesting credit reports over the phone.
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Getting Equifax Dispute Results
I just checked the status of my Equifax credit dispute and the status says “Mailed as of the 11th”, but I never received an email notification or link to my results as others have mentioned. Are they just sending this information by mail or do I need to contact them?
Also, would it show up on the free credit report that I am now viewing if they made any changes or would I not see it until I get my next free report next year?
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I can’t get my Equifax credit report but I had no problem with TransUnion.
I went to annualcreditreport.com and got my credit report from TransUnion without a problem.
I then tried Equifax but the website stated that there is a “security freeze” on my report. I have never used Equifax before and I have never requested a security freeze. Why would there be a problem with one credit report while the other is ok?
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Is it necessary to dispute items with all three credit bureaus?
I contacted Experian and disputed a few items on my credit report. Do I need to contact Transunion and Equifax to dispute the same items?
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How to get a free credit report from the TransUnion web site
I went to annualcreditreport.com and I had no problem getting my credit reports from Equifax and Experian, but when I was transferred to the TransUnion web site, all I see are offers for their paid credit reporting products and the option to order them. I don’t see any way to get the free annual credit report. How can I get the free credit report from this web site?
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Can credit repair be done in less than one year?
I would like to repair my credit rather quickly. Would it be possible to improve my credit scores and get everything cleaned up within six to twelve months? How likely is it to do this?
Thanks.
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Is opening four accounts bad for my credit score?
I just opened four accounts at four different jewelery stores. I had to do this in order to know how much I would be approved for. Anyway, do those accounts get factored into your credit score? I haven’t bought anything with any of the accounts though.
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Does anyone else have trouble getting a Transunion report?
I can get my credit reports but my husband has had trouble getting his free annual report from Transunion (he did get the other two). Then he tried to buy his report from Transunion’s website but they said they couldn’t verify his identity. So then he called and kept answering questions and apparently they have some address where he has never lived! He gave them every address he has ever had and they said none of them matched the one they have. It has been a real pain in our butts. We just want to keep track of our credit score!
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