Nicole E asked:


I had a delinquency put on my credit report for an unpaid bill 3 yeas ago that i never knew about. They never mailed me a bill, just turned it over to a collection agent who supposedly sent me a letter to an old address, but I never got it. The original company had my cell phone#, but no one ever called.
Anyway, I found out when I applied for a loan and was denied. Contested it with the cred report company, and got a letter about 2 months later saying it had been removed. I have limited credit monitoring through a credit card (WaMu/Providian) that is still showing a delinquency?
They had originally reported to just one company, can the others pick it up from the original report? I am going to wait another month and order another 3 in 1, I am just wondering if I should order one now to check it out, I don’t want to waste $40 if it is just a matter of time.
I have pulled all 3 from Annualcreditreport.com. I can actually see my transunion score for free through my online account at WaMu, but this delinquency has bombed my score down to a 620 and I am really not happy about it.
I had pulled the report before-that is how i fund out who the delinquency was
Aren’t they required to at least mail an invoice or make an attempt to call before filing? I didn’t know you could just stick it on someones report without warning

Carlos

madeline4477 asked:


I owe something. they report it on my credit every week I know this because I have a credit monitoring service. can they just keep re reporting it on my credit every week?

no answers about just pay it..I know that.. I will ignore those answers and that wasnt my question
I dont want to know how long it will be on there! I wish people would read the questions.. I am asking how many times can they re report it. they are reporting it once a week its on there once with re reports every week

Jeffery

ILUVTOFU asked:


All three?
[Equifax, Experian, TransUnion]
I want to know my FICO score, but want to know if every credit bureau has their very own FICO score.

And does MyFico offer monitoring for all 3 bureaus? [for individual credit scores]

Lee

undecided asked:


If you dispute something from a report pulled online from a credit monitoring service is it considered a paid for credit report? The credit report agencies have 30 days to respond, right?

Roy

C o n f u c i a n asked:


….Or does the score vary on which company retrieves the score? For example, on 11/10 I found out my 3 scores through a Transunion service. Experian score was 668.

Then on 12/10 I signed up for a credit monitoring service (free trial) with Bank of America and my Experian score dropped to 645.

Then today I signed up for credit score analyzer with Discover for $8 a month. I am going to stick with this service. They only use Experian but they are the most difficult. And my score today was 659.

Is this type of fluctuation normal? Look at how my score dropped with Transunion from 713 on 11/10 to 672 on 12/10…seems odd.

11/10: http://i106.photobucket.com/albums/m254/nathan_211/Credit/creditscoresnov102009.png

12/10: http://i106.photobucket.com/albums/m254/nathan_211/Credit/663avgcreditscoreswithBAC.png

I did just get a foreclosed home and was low on cash so I opened a Home Depot store card in November with a $5,000 limit and I used up over 50% of my limit ($2800/$5000). This was urgent so I had to do it!! I will be making a $2,000 payment next month…I suppose this could have brought my score from 713 to 672 but that seems like a big drop in a couple weeks!

Tamara

thatblissguy asked:


I know that the calculations used by lenders for a mortgage differ from Fair Isaac (FICO). I have TrueCredit (by TransUnion) triple credit monitoring which gives me unlimited access to all three of my credit reports (TransUnion, Equifax, and Experian) AND my FICO scores. I am preparing myself for a refinance and I want to see how I am scoring with the mortgage calculation, since I have improved my scores significantly over the past year when I got my sub-prime mortgage. My one year prepay penalty is coming up in late December and I want to be fully prepared before I start shopping. Also, what ABSOLUTE MINIMUM credit scores do I need, (FICO) and (Mortgage Lender), to be considered for a Prime rate (<7.5%). Thanks for your help, the people that contribute are greatly appreciated and I'm honored for your time and efforts! Keep up the good work!!!
So I just figured out recently that TransUnion's TrueCredit scoring use FACO and not a true FICO. I went to each bureau seperately and got my FICO and heres what I found, its astounding:
TU EXP EQ
FACO: 637* 596 607
FICO: 637* 660 678

*TransUnion only offers this scoring

I was going off this FACO calculation for over a year! Come to find out I have pretty good credit, and the things I have done to improve it had paid off substantially more than I thought in the past! My Mortgage score was MUCH higher than my FICO when I was applying for my first mortgage. So I now feel that my MORTGAGE SCORE should be in the 700s? Does anyone agree with that? That a middle score of 660 FICO would be at least 700 in Mortgage credit scoring?

Beth

nirvanas_love_01 asked:


a couple weeks ago My husband and i pulled a trimerge at our mortgage lender. My husbands scores were 592 618 644. Today I enrolled in credit monitoring and his scores were 611 627 628. How accurate are these scores if the lender would pul them again? DO the scores vary depending on who pulls them or will the scores he pulls be the same on our credit monitoring report?
a couple weeks ago My husband and i pulled a trimerge at our mortgage lender. My husbands scores were 592 618 644. Today I enrolled in credit monitoring and his scores were 611 627 628. How accurate are these scores if the lender would pul them again? DO the scores vary depending on who pulls them or will the scores he pulls be the same on our credit monitoring report? I know they vary from each reporting bureau I want to know if they vary depending on what type of company pulls the report

Ricky

kao asked:


I have a credit monitoring subscription with true credit. I can see all 3 agencies all the time. I can update the reports every 24 hours. I know their addresses. I know how to report inaccuracies.

The problem is: the person on the other end?? What is it about data entry at these agencies just not getting it right? I send info to them which needs correcting and they either input information incorrectly, have wrong spelling, omissions, additions…it just seems that they can never get the corrections right. And all 3 agencies never have the same info. I find Trans Union to be the best, and easiest to deal with, but WHY do Experian and Equifax even exist? They don’t ever seem to have it together.

Anyone have an intelligent approach that might get their attention to focus on the detail that I am trying to fix? Is there ever going to be any chance at consistency? Thanks.

Tina

idan x asked:


i have just recived a credit card alret
Credit Monitoring – Enhanced New Inquiry
which was recived few days ago
from a place i have used to live in the past
should i be concern
what does Credit Monitoring – Enhanced New Inquiry means ?
if i have not been to the usa during that time should i be concern ?
i have been out of the country during that inquiry what does it mean
thanks

Larry

Tootlebug asked:


Do credit card companies track exactly what you are purchasing? Do they have specific details about what you purchase versus a general total and where something is purchased.

For example when you use a credit card at the grocery do they know exactly what you purchase? I am not doing anything shady. I noticed recently on my online statement there were different codes for groceries versus a pharmacy purchase. It made me wonder how much they monitor what is actually being purchased! Thanks for any answers on this!

Darryl