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.
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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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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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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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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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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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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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Which lenders only check the Equifax credit score?
My Equifax score is 704 but my Transunion score is only 620. I want to get a loan for a car and I know in order to get a good interest rate my score should be high. Are there any lenders that will only look at one credit report?
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Collection account is not on all three credit reports.
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?
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How do I speak to a REAL person at Equifax regarding a dispute?
My old bank that has been bought out by another bank had reported to Equifax that I owed them money. I disputed it with the old bank but it’s still on my report. The new bank says they cannot help me. All I get is the run-around from everyone I’ve spoken to. If anyone knows how to resolve this PLEASE answer back.
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Can I dispute an Equifax and Transunion credit report online?
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?
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Why is my Experian score lower than the other two?
My Experian credit score is about 30 points lower than the Transunion and Equifax scores and it’s been this way for a few years. The only difference I see from glancing at the accounts is that Equifax shows more inquires in the last 2 years (5) than Transunion and Experian (they have 3 and 2). Would that knock it down by 30 points or does Equifax always score lower?
My credit scores range from 770 to 803 so I am not too worried about being denied credit, I’m just curious.
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Why do two of my credit scores go up but not the other?
Thanks to keeping my balances low and making good payments, both my Transunion and Equifax credit scores have been going up (IT CAN BE DONE!). Experian, though, has been moving MUCH slower (if at all). The only difference I see between the Experian and Transunion report is the number of credit checks that have been done, but that number is virtually the same between Experian and Equifax.
Any insight would be much appreciated!
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Why is Equifax not reporting my credit history?
I got my first credit card in June of 2006. My payments have never been late. Every 30 days the credit card company reports account status to all 3 major credit reporting agencies. Transunion and Experian both are showing my account correctly, but Equifax is not showing it at all! I had to pay Equifax for my credit report just to try to dispute it and now I get a bunch of crap from their customer service center. I know my credit card company is reporting my info. In fact just yesterday they did another report to Equifax and Equifax is still saying they have no record of the account. I’m really upset over this mess and I want an investigation by FTC and possibly the Attorney General for the state for the Equifax corporate office. What would you do? What is the best way to get immediate action?
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How to remove a security freeze from equifax and transunion?
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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If I get all three credit reports from annualcreditreport.com at same time will it hurt my credit score?
I found out that Equifax had my single mortgage listed twice, thus doubling my mortgage liability. Should I get my other two reports to see if they have the same error or will it lower my credit score?
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How much would the removal of one collection item on my credit report raise my score?
I’ve got one collection item on my report, in the amount of 186 bucks. Up till now, I’ve simply ignored it, as I have qualms with its legitimacy. But I’m wondering now if, by paying this item, I would enjoy a substantial increase in my credit score. My Equifax score is a 661 right now. What sort of increase would I realize from the deletion of this one little item?
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Why does my credit report look good on Equifax but not on Experian?
My credit reports looks good for one agency.
I have a loan in really good standing that is being reported by Equifax on my credit report but when I look at the other, it has no history of the loan. Should this loan be reported to all three of the agencies or is it up to them?
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Why does Equifax occasionally withdraw $1 from my bank account?
I did the 3-in-1 score report thing recently and sometimes when I check my bank account it says that Equifax and Experian withdrew $1.00. Why is that? Do they deposit it back after?
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Does a free credit report show everything or do you have to pay to see everything?
I got my free credit reports (from experian, transunion and equifax’s website) and was wondering if it is a full report or partial report. Do you have to actually buy your credit report to see everything that’s on it? I don’t want to have to buy it if all its going to show is what I have already seen on the free report.
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Is there a way to get a hold of a live representative at Equifax?
I am trying to call Equifax and I have called numerous toll free numbers. Can anyone give me a phone number and an extension number (their menu, for example press #1 then #3, etc.). I already tried pressing #0 but it doesn’t work!
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Is Transunion the only credit bureau that matters?
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.
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How is the "Average Account Age" in the Equifax credit report calculated?
I have a combination of Open, Closed, Revolving, consolidated and unconsolidated student loans, and a couple credit cards I have never used. I have averaged these in many different ways but have not yet arrived at the “Average Account Age” that is reported in the Equifax credit report. For those who haven’t purchased their report, an “average account age” is given, and the longer it is, the better for one’s credit score. Hopefully someone who has a simpler credit history can shed some light on how it is calculated. Thanks!
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Why can't I receive my credit score?
So I have tried to use Equifax and Experian to obtain my credit score online, but upon receiving my results I was told that my identity could not be proven with the information I provided. I made sure I provided correct information, so I do not understand why I am getting these results.
Additionally, I am 18 and I do not own a credit card nor have I ever owned one, but I own a debit card. Any help would be appreciated.
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what is the fastest way to remove a collection from equifax credit report?
Im in the process of getting a mortgage and all of a sudden this(collections) pops up on my Equifax credit file. I know it will hurt my score already. I need to know the best way to go about getting it removed. I heard even if you pay it off it will remain as a negative. Any good advice?
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My score with Experian is 0, but with the other 2 they are good.How can I get a score with Experian?
My credit scores are, Transunion-659, Equifax-710, and Experian-0…Experian said they do not have enough information on me to set a score. My question is does it matter if I have a o score with Experian and if so why? How can i get a score with Experian.
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