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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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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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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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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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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What lender currently offers the 100% cash out VA Loan option – and only reviews Experian?
I currently have a VA loan, and would like to refinance and get 100% cash out. The home will be rented out, and the cash out will be used for the down payment of my new home. Only one of my credit scores is over 620 (Experian), as I have been working for the past month to get a lot of incorrect items fixed. I have even provided letters to the agencies, but nothing has updated just yet . Any help appreciated.
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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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Is FreeCreditReport.com a scam?
Info found at: www.knowzy.com in a post titled “Credit Monitoring Services are a Rip Off!” Better Business Bureau complaint : www.labbb.org BEWARE! DANGER!
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Why does Transunion show my Experian score lower than Experian does?
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?
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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 contact Experian to correct an error.
I viewed my credit report about 3 months ago and found an error that still is on my report from about 3 years back that the creditor agreed to correct, but to date has not. At that time, I submitted a dispute online with Experian and still have not received a response from them either.
It seems the only way to dispute an error with Experian is online. I have a number for them but it is all automated and directs you to info regarding how to obtain a report.
In other words, I have not been able to find a way to contact them to correct this.
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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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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 Experian keep old addresses and wrong addresses on your credit report?
I had called Experian to have addresses removed that I haven’t lived at in years and addresses that weren’t even mine! Experian says that the addresses were given to them by creditors and if I want the addresses removed that I would have to call the creditor! Is this even legal?
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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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Why is Experian telling me to file a dispute with the debt collector after I mailed a dispute letter to them?
I filed a dispute with Experian online and it came back verified. Now they won’t let me dispute it online anymore, unlike Transuion. So then I submitted a dispute letter and the reply was “Experian recommends contacting the debt collector”. What is this? Am I not able to ever ask them to verify the debt again because it came back verified once?
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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 of disputing Experian for wrong information without buying their report?
I have a monitoring system with Citibank and they informed me that Experian has a wrong address for me. I already have the report, but in order to dispute it, Experian says I need to buy their own report. Does anyone know how to file a dispute without buying their report.
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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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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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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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Whats the difference between Equifax, Experian and TransUnion? Which one is better for reporting identity theft?
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?
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Does a free credit report show everything or do you have to pay to see it all?
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 it’s going to show is what I have already seen on the free report.
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What’s the best way to make sure Equifax and Experian remove the same inaccurate accounts I had on TransUnion?
I recently had two inaccurate accounts removed from my TransUnion credit report. Since TransUnion has already verified their inaccuracy and removed them, what’s the best way to make sure Equifax and Experian do the same?
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I disputed a negative item on my Experian credit report and they deleted it. How can I get it deleted from Equifax & Transunion?
I have heard that if a credit bureau wont delete the account then the dispute becomes active and the account remains on the credit report for next 10 years.
Since experian already deleted it? Is there a way I can get it deleted from other credit reports by sending them the experian corrected report?
Thanks in advance.
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