How A Credit Report Is Compiled

Explaination of How A Credit Report Is Compiled And The Score Determined. lexingtonlawcoupons.com Please Call 1-877-375-3165. Or click Call Us Button at the website lexingtonlawcoupons.com .TO make Free call to get FREE credit report consultation.

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    Why does Equifax calculate their scores different than the other two credit bureaus?

    Is there anything you can do about your Equifax score? Shouldn’t it be at least close to the same as Experian and TransUnion? And why do most banks use them to check your credit for auto loans? They are so aggravating. They don’t even show a lot of my credit information, like saying I have no open bank cards when I do. Is there anything I can do to correct this? I need to buy a car, but I keep getting turned down for a loan because of my Equifax score.

    You may also be interested in the following:

      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?

      You may also be interested in the following:

      TransUnion has another persons information on my credit report

      July 11, 2010 · Posted in TransUnion Credit Report · 6 Comments 

      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?

      You may also be interested in the following:

      Is there a credit card company that will only check Transunion credit score?

      June 5, 2010 · Posted in TransUnion Credit Report · 6 Comments 

      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?

      You may also be interested in the following:

      I can’t get my Equifax credit report but I had no problem with TransUnion.

      May 31, 2010 · Posted in TransUnion Credit Report · 6 Comments 

      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?


      You may also be interested in the following:

      Does anyone else have trouble getting a Transunion report?

      May 26, 2010 · Posted in TransUnion Credit Report · 3 Comments 

      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!


      You may also be interested in the following:

      Collection account is not on all three credit reports.

      May 21, 2010 · Posted in TransUnion Credit Report · 2 Comments 

      My Equifax and Experian credit reports show a collection account but it is not on my Transunion credit report. Can I just contact Equifax and Experian and ask them to remove the collection account or do I still have to dispute the account with the collection agency?


      You may also be interested in the following:

      Can I dispute an Equifax and Transunion credit report online?

      May 16, 2010 · Posted in TransUnion Credit Report · 3 Comments 

      I’m a member of Free Credit Report and they let me dispute my Experian report online, but not the other two agencies. Is there a way to dispute the Equifax and Transunion online also?


      You may also be interested in the following:

      Why does Transunion show my Experian score lower than Experian does?

      May 11, 2010 · Posted in TransUnion Credit Report · 2 Comments 

      I understand Transunion is tougher and I expect their version of my credit score to be lower.

      But what I don’t understand is why on Experian’s site, their report gives me one score, then when I get all 3 credit scores from the Transunion site, they report my Experian score as much lower?


      You may also be interested in the following:

      Which lenders use only the Transunion credit score for mortgage refinancing?

      May 6, 2010 · Posted in TransUnion Credit Report · 2 Comments 

      I know most lenders use the mid score of the three popular credit bureaus but I have heard there are some that only use Transunion. I am trying to refinance my mortgage and my Transunion score is higher than the other two, so I would like to know which lenders do this.


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      How to remove a security freeze from equifax and transunion?

      May 2, 2010 · Posted in TransUnion Credit Report · 4 Comments 

      Experian has a website that allows you to print a document which is to be filled out with the requested info, and mailed to a specific address. In doing so, I have managed to have the security freeze removed from Experian. The problem is that Experian has not notified TransUnion, or Equifax about the security freeze being removed from my credit file, so I am still stuck, and of course, there is absolutely no one I can call or speak with to help my situation. Any help is GREATLY appreciated.


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      2010 Mortgage Delinquency Forecast

      April 30, 2010 · Posted in TransUnion Credit Report · 1 Comment 

      TransUnion’s 2010 US Mortgage Delinquency Forecast

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      What happens if you freeze your Transunion?

      April 30, 2010 · Posted in TransUnion Credit Report · 2 Comments 

      If I were to freeze my Transunion, then apply for credit, will they check another score or will it just not work? Most places I’ve applied for credit with have used Transunion, which is my lowest score.


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      What’s the difference between the 3 major credit companies Equifax, Transunion and Experian?

      April 27, 2010 · Posted in TransUnion Credit Report · 7 Comments 

      Do different credit inquires look at a specific credit company or do they look at all three to determine your score. Why are there differences between the three reports? One has my gas company account and the other two don’t.
      Example: 6 years ago I got a car loan, when they checked my credit they told me I had child support which was not true. I checked my credit report from one of the credit companies (because I didn’t know there were three) and it was not there, so I figured it was a mistake since my dad has the same name as I do and he was paying child support. 5 years later I came to realize that it was on my Transunion report so I took the necessary steps to take it out. Why is this?


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      TransUnion: Student Loan Delinquencies Down This Quarter, but Rise Year Over Year

      April 27, 2010 · Posted in TransUnion Credit Report · Comment 

      Student Delinquency Analysis

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      What does my transunion score of 846 mean?

      April 25, 2010 · Posted in TransUnion Credit Report · 4 Comments 

      On transunion it says the scale goes up to 1000 and therefore I’m rated a C… What does this equate to in my fico score?


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      TransUnion SmartMove for landlords to check tenants’ credit reports

      April 24, 2010 · Posted in TransUnion Credit Report · Comment 

      Finally, independent landlords can access the same tenant screening tools as the largest property managers. Learn more about TransUnion SmartMove! Visit TransUnion Smartmove at: www.mysmartmove.com

      Related Postings

      Is Transunion the only credit bureau that matters?

      April 24, 2010 · Posted in TransUnion Credit Report · 15 Comments 

      Seriously, almost 100% of all important businesses check your credit report from transunion. What’s the point of  Experian and Equifax? I looked at all 3 reports and all inquiries were on transunion.


      Related Postings

        How do you get the Transunion report daily from Truecredit ?

        April 21, 2010 · Posted in TransUnion Credit Report · 4 Comments 

        I was told I was supposed to be able to pull Transunion daily, but I don’t see how. I canceled my Truecredit, and they told me that I was not utilizing the daily Transunion pull.


        Related Postings

          Whats the difference between Equifax, Experian and TransUnion? Which one is better for reporting identity theft?

          April 19, 2010 · Posted in TransUnion Credit Report · 2 Comments 

          Equifax, Experian and TransUnion; whats the difference between these 3? Which one is the biggest or the best to contact when you need to report your credit cards stolen or suspect fraud?


          Related Postings

            How accurate is the estimated date for removal on my Transunion report?

            April 17, 2010 · Posted in TransUnion Credit Report · 1 Comment 

            I have two negative items on my credit report. The first is an old hollywood video account, which according to my Transunion report, the estimated date for removal is June , the estimated date for removal on the other account is March. In your experience, how accurate are those removal dates?


            Related Postings

              What credit card company or bank doesn’t check transunion?

              April 15, 2010 · Posted in TransUnion Credit Report · 4 Comments 

              What credit card company or bank does not check transunion, only equifax and experian? My credit it perfect on the 2 but not on transunion. I want to get a loan or a credit card.
              Thanks in advance.


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                Problems with Transunion, Experian, and Equifax credit bureaus

                April 15, 2010 · Posted in TransUnion Credit Report · 9 Comments 

                I was wondering why I was being denied for a credit card! Come to find out my mortgage company is reporting the correct amount each month but the 3 credit bureaus are reporting that my mortgage payment is $4500 a month! Their mistake has caused my credit score to drop!

                Related Postings

                  TransUnion deleted accounts how do I get the other two Bureaus to do the same?

                  April 14, 2010 · Posted in TransUnion Credit Report · 1 Comment 

                  I disputed some accounts on my credit through TransUnion, I’ve also disputed the same ones with the other two Bureas but Experian and equifax won’t delete the accounts that TransUnion has! What do I do?


                  Related Blogs

                  How do I get a Transunion credit report?

                  April 12, 2010 · Posted in TransUnion Credit Report · 1 Comment 

                  I am trying to go onto Transunion and get my credit report and credit score, but when I log onto it, it is also adding  Experian and Equifax. I don’t need them because I already got them from the other sites. I only want Transunion..can anybody help?

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