Equifax Q&A
Equifax Q&A
Equifax Q&A
Free Online Articles Directory
Why Submit Articles?
Top Authors
Top Articles
FAQ
AB Answers
0 && $.browser.msie ) {
var ie_version = parseInt($.browser.version);
if(ie_version Hello Guest
Login
Register
Hello
My Home
Sign Out
Email
Password
Remember me?
Lost Password?
Home Page > Finance > Credit > Equifax Q&A
Equifax Q&A
Posted: Dec 09, 2009 |Comments: 0
|
]]>
Equifax Q&A
By: creditfaq
About the Author
Credit12345.com
(ArticlesBase SC #1558439)
Article Source: http://www.articlesbase.com/ – Equifax Q&A
Question in connection with my Credit Report…?
When I check my credit report on Equifax, (the 3-in-1 report) and then I stir to “Collections” it says I don’t own collection accounts on record. Why is that? I know I do enjoy 2 accounts on collection, and one I recently compensated off. They’re not recent any. They’ve been around for 1 or 2 years presently. Why don’t they show?
Trying to repair credit…hold a request for information or two?
I am in the process of reading and following “Credit Repair for Dummies” and I enjoy 2 questions if anyone know..1. I have a student loan thru OSLA and I own previously slow-paid on it, but I have 2 entries showing up as NELNET LOAN SERVICE that are both on my Equifax report. In the comments portion it says STUDENT LOAN…they both own 0 balance, 0 credit aim, 0 scheduled donation amount, 0 past due amount and the current status states ACCOUNT IS INACTIVE. What is this and is it hurting me?2. My mother died surrounded by 2003 and apparently had added me to one of her credit cards as an authorized user for emergency. I never knew this or never have a card. When she died there be a balance of 3600 that be placed and charged off on MY credit report…is in that anything I can do to get this removed, or am I stuck near it?
What apposite is getting the “free credit report” if they don’t bequeath you your FICO win?
I got the “free credit report” from Equifax but what they give me doesn’t tell me my win – for that I have to wage a fee. And let’s frontage it, that 3-digit number is the only piece you really want to know! That’s hardly “free,” wouldn’t you speak?
What are some pious things to put surrounded by a epistle to write to Equifax and TransUnion to obtain disputed items removed?
I disputed the items on my Equifax and they were taken past its sell-by date. but they weren’t taken off the other two reports. The single way to dispute next to those is to write a letter to them…Am I gonna hold to write a million letters to return with anything done? I’m just wanting to know the steps I should give somebody a lift to ensure an expediant outcome.
What credit reporting agency is used the most?
Experian? Equifax? Transunion?Which credit reporting agency is used the most to determine APR etc trade lines?
What does it tight-fisted if my credit report Date of Last Activity column read NOT REPORTED?
Will this charge off never decline off my credit report? Im trying to repair my credit to buy a house. I enjoy a 498 w/TransUnion, 527 w/ Equifax and a 600 w/ Experian.
What is the best style to dispute errors on my credit report that are made to look approaching bright delinquencies?
I have some items that are from around 2002 and 2003 when I made some credit mistakes and have some major delinquencies and consequently some charge-offs on a couple of credit cards. These have gone to collections lower than a different creditor name and acct # and these agencies are making it look approaching these are current delinquencies. I have a home loan, sports car loan, student loans and new credit cards that are adjectives current… but these old items are lowering my credit rack up. I disputed one thru Credit Watch with Equifax, but the company denied the error and they kept it on. What do I do? Is it possible for these to be reported correctly as debt explicitly really several years old and not currently delinquent as they show?
What is the quickest mode to dispute beside equifax? And, how do I insure they are promt on my dispute?
Trying to get a home loan and something on my credit have put everything to a stop. The claim is inaccurate and is currently underneath dispute with Equifax…
What is your credit win?
My Equifax is 685
What make your credit condense?
Does checking my own credit bring my scores down? Like if I run and check my credit at experian, TransUnion and Equifax … or check my credit score at MyCreditReport.com. If not .. what are the factor that can lower my credit?
What’s a well-mannered credit mark?
I just received my credit report and am baffled.Equifax say 669, Experian says 683, TransUnion say 662.Can somebody please clarify what a ‘good’ credit score is, numerically speaking? In other words, is my credit honest, bad, average, outrageous?? How long does it take to add to credit scores? (Weeks? Months?)Thanks!
Why does credit mark differ form site to site?
Can some one educate me to this mystery. TrueCredit.com(TransUnion) give me 3 sets of scores. Equifax.com give me a WHOLE new set of 3 score, and FreeCreditReport.com (Experian) gave me ANOTHER bright set of 3 scores. All of these websites claim to afford you access to your other 2 scores for a allowance, I had to clear money to learn that these score are not in sync next to the actual agency’s data. In other words, Trans Union may state that my Experian mark is 655, Experian may actually hold me at 670 and vice versa.
Why is child support showing up on my Equifax credit report as a ‘collection account’?!?
This has to be bloodshed my score..and whats worse is the reality that I am timely on all payments.It even have a notation that Im past due 32, when I a short time ago called the department Friday and they said I was current..Is at hand anything I can do to get this bad of here?
Why is my Experian gain roughly speaking 30 points lower than my Equifax or TransUnion?
It’s been this track for a few years. The only difference i see from glance at the accounts is that the Equifax has more inquires within the last 2 years (5) than the other two (they enjoy 3 and 2). Would that knock it down by 30 points? Or does Equifax just win lower?The scores list from 770 to 803 so I’m not worried about one denied credit — I am just curious. Thanks contained by advance.
Will this scenario help out or hurt my credit?
I wanted to know if my mark will drop if I had some of my rewarded student loans added to my Equifax file. I own 8 loans that are not being reported to EQU but are individual reported to TU and EXP so there is a colossal difference in the number of total accounts on my reports. They length in amounts from 00 – 00 adjectives paid. I be wondering should I have the loans inserted near EQU since they are all salaried and were never deferred. I was also thinking that they will attach to the age of my credit history since they date back to 1999 and 2000. Any warning on if this will help or hurt my mark.
Anyone comfortable near Equifax’s products?
I am trying to choose between Equifax Credit Watch Gold (/mo) and Equifax Credit Watch Gold with 3-in-1 Monitoring (/mo). Is the /mo package worth it? What nearly the more expensive one, is it worth the additional / month. The “best answer” award will go to the answerer who tell me something I cannot learn from the Equifax web site. Thanks.
Are old-fashioned credit agreements (unused credit/store cards, long-gone mobile phone contracts) affecting my credit rating?
I looked up my credit report on Equifax after being declined for a mobile phone contract. I own always kept up payments on credit cards and don’t appear to have any gloomy credit history. The only thing I could see be that I have 7 open credit agreements set up- 2 within use (bank & credit card, all paid up to date), 5 others (unused credit cards, store card, 2 antediluvian mobile phone contracts no longer used).Are these affecting my credit rating, and how do I get rid of them as they are no longer in use?
Credit monitoring discrepancy?
I have been a long-time applicant of myfico.com credit monitoring (sponsored by equifax). They monitor my Equifax score, and report it as being 626. For giggle I joined truecredit.com (sponsored by TransUnion), and got their 3-1 mark monitoring service. They show my TransUnion score and Experian score as 636 and 633 respectively, but show my Equifax chalk up as 559. I was wondering if anyone can explain the vast discrepancy between what truecredit.com reports my Equifax mark being (559), and what myfico (sponsored by equifax) reports my Equifax score as mortal (626)?
Credit Score Dilemma?
I stay on top of all 3 of my credit report score monthly. Equifax is constantly 80 pts less than Trans Union and Experian. Looking at the credit reports I see no real difference on the 3 of them. Does anybody know why this would be the crust? Why does Equifax suck. I’d like some info or atleast a contact number or email address where I can ask them.
Credit Score In Toilet But No Negative Information?
Just got new mortgage on house. Credit ranking in May was large 680 (not great ut not horrible). Went online to check score last week and immediately at 560!! No negative credit information whatsoever. No late pays or collections. I do convey high balances on credit cards and that is to say why I have never been over 700 but I don’t figure out this. I talked with customer service rep at Equifax and she looked at my credit report and couldn’t explain it any. What do I do?
does anyone own any conception where on earth i can find a company that would distribute me a loan through Equifax?
in other words, my score is apt with equifax, any company out there would approve me for a credit card near low credit to start off or maybe a home loan ?
does your Fico credit win come from adjectives 3 agencies?
or just Equifax report?
Equifax grill?
I was just wondering why everything from July to present is not person reported to Equifax. Like clockwork, monthly listings to Experian are listed. Transunion seems to be a month astern. Equifax though shows up nothing. I have three lines of credit(2 guard CC’s and a GMAC auto loan) and all report in impossible to tell apart fashion. Am I missing something? Any help would be greatly appreciated, gratefulness ahead of time for your responses.
Equifax…. how to fleece the public?
I have a bad credit ranking with equifax.256 points (very poor) that it is because i only hold one active account (mobile phone) and that for 1.5 years did not put myself on the electoral roll. I own never been in debt of more than lb500 and do not in general need credit cards etc. I need one very soon for my wedding but my low score have meant that i cannot get one. I spoke to the most rude human being in the world at Equifax who stated that there is nil i can do but wait until the electoral roll increases to make up for the lost 1.5 years. can anyone minister to with advice?
FICO Score. Different criteria?
I usually answer these questions, but now I’m puzzled. I purely purchased my score from Equifax and Experian through the MyFICO.com site. Equifax came rear legs as 813 listing a handful of positive factors and stating that because it’s so dignified there are no negative factor. Experian gave me 819, no positive factors, and two denial factors (recent credit and a high balance) that appear to indicate that if they had used the same method to arrive at the evaluation as Equifax, it would be even higher. I thought everyone used the same factor, just gave them slightly different point values. Why would one voice everything is way cool, and the other slap my hand for buying a different car and getting a Kohl’s charge? (They have really great sale for cardholders! I had to. 
Free credit check from Equifax?
I want to know what my credit check score is from Equifax
More Equifax questions please visit : Credit12345.com
Retrieved from “http://www.articlesbase.com/credit-articles/equifax-qa-1558439.html”
(ArticlesBase SC #1558439)
creditfaq -
About the Author:
Credit12345.com
]]>
Rate this Article
vote(s)
0 vote(s)
Feedback
RSS
Print
Email
Re-Publish
Source: http://www.articlesbase.com/credit-articles/equifax-qa-1558439.html
Article Tags:
equifax
Latest Credit Articles
More from creditfaq
When creditors err, and even when they’re fair, here are our tips for credit repair. (01:59)
It’s becoming easier than ever to find yourself a victim of credit card scams – especially at restaurants. Ken and Daria Dolan don’t want this to happen to you! Here are their best tips for protecting your identity and avoiding common tricks. (04:17)
How to Read your Credit Report
In this finance video learn how to read and correct your credit report. (02:02)
How to Receive a Free Credit Report
Tips and advice for personal finance from the Dolans. This video focus’ on how to receive a free credit report. (01:27)
Understanding Your Credit Report
Credit reports can definitely be confusing and not fun to try to figure out. Once you know what’s supposed to be in the report you’ll better be able to understand it and use it to your advantage. This video shows you how. (02:09)
I enjoy a liquidation from 2001 on my credit report.?
I disputed with Equifax and Transunion. Equifax removed it but Transunion didn’t. Is true that if 1 bureau removes it from your file so does the other bureaus.
By:
creditfaql
Can I request my credit card company to report grant history to adjectives 3 credit bureaus?
One of my credit cards only reports to TransUnion, and my student loan lender merely reports to Equifax and Experian. Can I request each of them to report to adjectives 3 bureaus or do they only follow their company’s policy?Specifically, can I require them to do so?
By:
creditfaql
Finance>
Creditl
Nov 09, 2009
lViews: 202
Do loan underwriters hold the right to contact your creditors directly ?
Or, are they required to rely on credit reporting such as Transunion, Equifax, or Experian score reporting? I would also similar to to know if an underwriter contacts your creditor directly must s/he notify you verbally or contained by writing? Thanks!
By:
creditfaql
Finance>
Creditl
Sep 21, 2009
lViews: 285
Incorrect info on my credit report.?
I paid off a doomed to failure debt in december. Exp and TUC shows collection or reposeesion account closed stability.However Equifax shows that I am currently 120 days late with a dollar be a foil for reported 4/2008. I called the agency reporting it and they said they would change it to closed, will it still show that i be 120 days late? Do i need to report a dispute with Equifax….
By:
creditfaql
Finance>
Creditl
Mar 30, 2010
lViews: 202
Can i donate prehistoric accounts to my credit report? I reviewed all three credit reports and found that there are a few out-of-date, and paid in full accounts that are not on my Equifax and Experian credit report, but are on transunions. Can I request that said rationalization be added to Equifax and Experian, and will it help my score….
By:
creditfaql
Odd vocabulary on credit report?
I was looking at my credit report from Equifax and timetabled under collections be two different companies. The report says the accounts be opened lately, about 4 months ago but, the status on both of them is down as CLOSEDWhat does that mean?
By:
creditfaql
Finance>
Creditl
Nov 26, 2009
lViews: 251
Where Can I Get Equifax.com Coupons? How Can I Use Equifax.com Coupon Codes?
About Equifax.com
3-in-1 Monitoring with Score, 3-in-1 Monitoring Equifax Credit Watch™ Gold, 3-in-1 Credit Report, Score Power®, Equifax Credit Report™, Equifax Credit Rankings™ are available at Equifax, Offers complete report of your credit history. Equifax provides easy-to-read report that can help you negotiate with lenders.
Equifax Discount Coupons and Coupon Codes
Equifax Credit Management: Deals365.us is the best source for the Equifax.com coupons promotion coupon codes, online discount
By:
vijayal
Beauty>
Cosmeticsl
Sep 06, 2008
Top 5 Money Mistakes in a Bad Economy
Everyone craves financial independence, but it is considered unattainable by many. On the contrary, financial independence is a possibility if and only if we refrain from making some of the most common mistakes with money, especially considering the state of the economy today.
By:
ajaxl
How The Average Consumer Can Save Money
Having a budget lets you know, at all times, where you are financially. This is only one of the key things that you can do to help you save money.
By:
Susanna Berlatskyl
Watch Out With Your Zero-Percent Credit Card
If you are able to use card responsibly, the zero-percent credit card is a super deal for your convenient without extra cost that need to be paid on interest. But, you have to be careful – very careful when using the card. One misstep can cause the interest-free period to be terminated. Watch out the potential risks explained in this article if you have been offered and accepted to use these cards.
By:
Cornie Herringl
Toronto Car Loans – Types of Auto Financing for Different Credit Situations
Find the right type of auto financing for your situation and save money.
By:
Simon Gatterl
How to Have More Chances of Getting Approval for Mortgage Modifications
Do you find it hard to repay your mortgage loan? If yes, then you can ask your lender for modifications. Once your loan is modified, it will be easier for you to handle your repayments.
By:
Herschel Bentleyl
Making Mortgage Loans and Some Tips for Assessment
Having a home is quite synonymous to being independent. Most people work their entire lives just to earn a lot of money so that they can pay for mortgage and taxes. However, after a couple of years of paying for their homes, they would be surprised by various problems that might occur.
By:
Herschel Bentleyl
Effectiveness of Mortgage and Lending Programs
Mortgage is a very reliable lending program established by banks in order to reduce the financial burden in the part of the consumer. This is very useful for people who want to buy a house or property but do not have all the money needed for a full payment.
By:
Herschel Bentleyl
How to Save Yourself from Credit by Hiring a Legal Credit Repair Company
Bad credit made in the past can sneak up on you and you may find yourself in a deep financial hole all of the sudden. Like some individuals, you might be tempted to find a legal credit repair company so that they can help you get out of the situation you are now in.
By:
Herschel Bentleyl
Incorrect info on my credit report.?
I paid off a doomed to failure debt in december. Exp and TUC shows collection or reposeesion account closed stability.However Equifax shows that I am currently 120 days late with a dollar be a foil for reported 4/2008. I called the agency reporting it and they said they would change it to closed, will it still show that i be 120 days late? Do i need to report a dispute with Equifax….
By:
creditfaql
Finance>
Creditl
Mar 30, 2010
lViews: 202
Credit Score Questions And Answers
Does paying my insurance within full oblige build my Credit History?
Im just starting to build my credit history here within the US..Im about to seize an auto insurance and planning to pay 6 months contained by full to avail of a discount.But I also want to build my credit history thru this.. Does paying in full join me credit score?Or do I call for to make monthly installments to abet build my credit history…….
By:
creditfaql
Can i wallet liquidation presently ?
hi,i owe around ,000 credit card debts , can i file collapse now?i don’t own a house now and already sold out the vehicle longg time ago.1-what will happen to mine credit card debt after record bankruptcy?2-how much i want to pay to do this beside lawyer?3-what will arise to mine credit file?appreciation…..
By:
creditfaql
Credit Report Questions & Answers
Credit Report?
I have a bunch of distrustful items on my credit report, they are from when I was going through my divorce and it be eat or reimburse bills. If I pay these balance off will they be removed from my credit report or will they remain and lately show paid?If they remain should I lately leave them on my report and how long will they remain? Please facilitate………..
By:
creditfaql
Am i doing the right article for my credit?
my credit score is really bleak from my college years. about six months ago, i get a credit card with orchard edge and set up automatic payment so i’m never deferred and only engender small purchases. i have set up alike thing for my student loans. do you suppose this is enough to advance my credit….
By:
creditfaql
Finacing A Motorcycle, Buyer have no Credit, Co-Signer have unpromising credit?
SO im looking to buy a Ninja 250r as my first bike.But I need a Co-Signer,the olny co-signer I can carry is my Dad and his credit is bad.whould I still be capable of get the loan next to his bad credit ? P.S. I hold no credit,I want to get this loan to start my credit.
By:
creditfaql
Can i use a debit card on ebay?? im 17 years old and i dont own a mastercard or card obviously grounds im too young. my parents wont allow me to use here credit card to make purchases on ebay lone a few times they did. is there anyway i canuse my presedents choice debit card beside no master card or logo on it to make purchases? pple own said yes and no i want the real buy and sell here lol. thanks alot for ur input!!
By:
creditfaql
How easier said than done is it to grasp approved for a credit card? I don’t have any credit. I’m one and only 24 and have never have a credit card. My credit is not bad, I a short time ago don’t have any. I’m a student. I applied for this super cool National Geographic Chase Mastercard w/no annual charge and a 0% introductory apr. Will I get approved? I don’t want to capture a dumpy student credit card.Thanks, everyone!
By:
creditfaql
Add new Comment
Your Name: *
Your Email:
Comment Body: *
Verification code:*
* Required fields
Submit
Your Articles Here
It’s Free and easy
Sign Up Today
Author Navigation
My Home
Publish Article
View/Edit Articles
View/Edit Q&A
Edit your Account
Manage Authors
Statistics Page
Personal RSS Builder
My Home
Edit your Account
Update Profile
View/Edit Q&A
Publish Article
Author Box
creditfaq has 91 articles online
Articles Categories
All Categories
Advertising
Arts & Entertainment
Automotive
Beauty
Business
Careers
Computers
Education
Finance
Food and Beverage
Health
Hobbies
Home and Family
Home Improvement
Internet
Judaism
Law
Marketing
News and Society
Relationships
Self Improvement
Shopping
Spirituality
Sports and Fitness
Technology
Travel
Writing
Accounting
Banking
Credit
Currency Trading
Day Trading
Debt Consolidation
Insurance
Investing
Loans
Mortgage
Personal Finance
Real Estate
Taxes
Wealth Building
]]>
Need Help?
Contact Us
FAQ
Submit Articles
Editorial Guidelines
Blog
Site Links
Recent Articles
Top Authors
Top Articles
Find Articles
Site Map
Webmasters
RSS Builder
RSS
Link to Us
Business Info
Advertising
Use of this web site constitutes acceptance of the Terms Of Use and Privacy Policy | User published content is licensed under a Creative Commons License.
Copyright © 2005-2010 Free Articles by ArticlesBase.com, All rights reserved.
Category: Mortgage application
