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

October 15, 2011 · Posted in Equifax Credit Report, Experian Credit Report, TransUnion Credit Report · 4 Comments 

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.

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    Are there any drawbacks for placing an alert with the credit bureaus?

    May 25, 2011 · Posted in Identity Theft · 5 Comments 

    There are a few credit inquiries on my credit reports that I don’t know anything about. I suspect that I might be a victim of identity theft even though no negative items have showed up yet. I am considering placing an alert with the credit bureaus, but I’m not sure if this will have a negative effect on my credit score. If you have experience with this, could you please let me know? Thanks.

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      Is it safe to get credit reports and scores from annualcreditreport.com and myfico.com?

      August 30, 2010 · Posted in Free Credit Report · 8 Comments 

      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?

        August 26, 2010 · Posted in Experian Credit Report · 4 Comments 

        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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        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 can I get my free annual credit report?

        June 1, 2010 · Posted in Free Credit Report · 2 Comments 

        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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        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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        Where can I get my credit score without using a credit card?

        April 27, 2010 · Posted in Credit Repair · 5 Comments 

        I want to find out my credit score, but in order to do it on “freecreditreport.com” or similar sites I need a credit/debit card to get the report! I thought maybe I could from one of the credit bureaus but no luck yet! PLEASE if you know of any way that I can find out without using any sort of account that would help! (I canceled my bank account and all my credit cards is the reason why)


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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!

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