How is it Possible to have a Credit Score of 877?

July 31, 2010 · Posted in Equifax Credit Report · 7 Comments 

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

    July 27, 2010 · Posted in Identity Theft · 7 Comments 

    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?

      July 24, 2010 · Posted in Free Credit Report · 5 Comments 

      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?

      July 18, 2010 · Posted in Equifax Credit Report, Experian Credit Report, TransUnion Credit Report · 6 Comments 

      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

      July 15, 2010 · Posted in Identity Theft · 4 Comments 

      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

      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?

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      Are the free annual credit reports based on a calendar year?

      July 6, 2010 · Posted in Free Credit Report · 4 Comments 

      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?

      July 2, 2010 · Posted in Credit Repair · 5 Comments 

      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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