Cris H asked:


Where do I start and how do I go about getting old stuff ( over 7 years ) removed from my credit report? I disputed it with the Trans UNion, Equifax and Experian but they claimed they verfied them and said they were due to come off back in Decemember of 07 but they are still there… How do I get them off?

Betty

wantsshy asked:


Where do I start and how do I go about getting old stuff ( over 7 years ) removed from my credit report? I disputed it with the Trans UNion, Equifax and Experian but they claimed they verfied them and said they were due to come off back in Decemember of 07 but they are still there… How do I get them off?

Ramon

Brian M asked:


According to my Experian/Equifax credit report, there is a charge from December 2002 for a mortgage loan that was taken out in my name. This is completely incorrect, as I was living in an apartment at the time this happened. I need to debate this with Experian so that I can have this deleted from my record. Any ideas as to how I can expedite this process? I don’t want this to affect my ability to find new work …

Thanks.

Dora

Vianey M asked:


Without having to do it online (I don’t want to give credit card info).
Main credit bureaus: Experian, Equifax, Trans Union.

Leslie

Jordin K asked:


I want a free copy of my credit report, so which site should I get it from? If I request my credit report, will it contain all the information from all three nationwide consumer reporting companies including Equifax, Experian, and Transunion? Do I have to request one individually from the three companies or do I just have to order one and everything will be included? How does this work? I’m new at this.

Marjorie

Chane Steiner asked:


Having a credit score that is less than perfect is quite common these days. A single late or missed payment can drop your credit score by up to 100 points! There are techniques to bad credit report repair that you can learn to fix your bad credit. While it’s easy to see it slip, it is just as simple to raise it up - if you follow the advice given here.

Tip 1: You need to pay down your credit card balances.

The algorithm that dictates your credit score weighs the difference between your available credit and your credit in use very heavily. If you have credit cards that are maxed or near maxed, then you need to do more than pay the interest on them each month. Make some sacrifices and start reducing the principal amount on them. The most that you should have on any one card at any time is bout 30% of the maximum limit allowed. When you have credit that is available to you that you are not using, it makes you look like you practice restraint and shows responsibility. Credit score algorithms like that.

Tip 2: Break out some of those older credit cards and use them.

The longer that a credit account is in good shape for, the better it weighs on your credit score. If you have older credit cards that are still valid, but you haven’t used them in a while, use them. Charge up to 30% of the maximum limit and then pay it off promptly and in full. This way, these actions get reported to your credit bureaus and make you look like a well-established credit champion!

Tip 3: Dispute negative items on your credit report.

You are entitled to a free copy of your credit report from each of the three major credit reporting agencies once every year. They are: Experian, TransUnion, and Equifax. So, once every four months, request a copy from one of them. This way, you are always in the know about your credit situation.

Go through them each time you get one and dispute every the negative items on them. It is your legal right to dispute any negative claim against you. By disputing an item, you are exercising your right to have the claim verified. This is the responsibility of the credit reporting agency since they are the organization selling your information for profit. It is their responsibility to verify the information that they are selling.

They must verify each claim disputed in a reasonable time frame of 30 to 45 days or they have to strike it from your report. Now, about 40% of these disputed claims do not get verified in time. This is the single most powerful method of bad credit report repair. Use it to your advantage and use it often. Make sure to submit your dispute forms via certified mail at the busiest business times of the year.

These are just a few of the ways that you can engage in bad credit report repair. All it takes is attention, diligence and then some patience. Bad credit report repair is your legal right and something that you should do regularly!



Caffeinated Content

a4n2g0e asked:


It’s my first time to aquire about my credit report and I’m doing it online. I was asked which nationwide consumer credit reporting company I wanted to request my report from and I was wondering which I should choose. My options are Experian, Equifax, and Transunion. I could really use some input. Thanks!

Caffeinated Content

Sophie Wilson asked:


What is a credit report? A credit report contains all the financial details of a borrower along with his personal details. It includes the detail account of debts taken, defaults and unpaid dues etc. in short it reflects the credit worthiness and financial soundness of a borrower. It is considered as a reliable and acceptable source. Also creditors decide terms and conditions on the basis of this credit report.

Transunion, Equifax and Experian are three credit agencies that issue credit reports. It is quite possible that information provided by these agencies will differ from one another. To make it transparent and free from errors 3 in 1 credit report is prepared.

This report plays an important role in approval of your loan amount. As before approving your loan application this report is analyzed and taken into consideration. And on the basis of the credit scores your application is approved or rejected by the creditors.

The positive aspect of this report is that it shows if borrower falters payments. All the records and credit like defaults, late payments, missed payments, arrears; CCJs and IVA are incorporated in the 3 in 1 credit report. Such defaults show up negative in your credit report and affect it. You can compare all the three reports and check for the missing information. This will enable you to keep up your records good. On the basis of your credit history and records you are categorized as a good or bad creditor.

You can easily apply for 3 in 1 credit report online and know your financial standing too. No matter where you are you can easily register by filling up a simple online form and get it for free. There are various companies that provide you with credit report but before applying do check the credibility of the company well.



Website content

Tom Justice asked:


r Credit Report (the Boring Part)

  Your online credit report is a collection of files and records pertaining to your credit history. It is often referenced for hiring, renting, mortgages, loans, background checks and many other situations which may require an involvement of a larger sum of your income or a need for your personal services. Your online credit report contains the good the bad and yes, the ugly, within its pages. There are 3 major credit report bureaus from which the information comes from: TransUnion, Equifax and Experian. For the most they are similar, but between the three bureaus there may be some different items listed.

What If!?
  What if your online credit report was only full of positive, correct and up to date items? This would be like a fantasy credit report. You could use it like a tool for certain things like getting a low interest loan or the mortgage you actually wanted. You could use it as a weapon against those creditors who automatically assume that your credit ***** and turn the whole finance game around on them. This fantasy credit report would be like a report card with all A’s (something most of us have never experienced right?). Imagine not having to worry about what the results are going to be when the phone rings from the bank because you have total peace of mind that your credit report is not only clean but also free of errors and mishaps. The anxiety of waiting for the results of your credit standing concerning a major purchase can cause equal or more mental tension than a doctor walking in the room with his results for a major medical test.

Making the Fantasy a Reality
  Okay, so this whole fantasy credit report thing is exactly just that right? A fantasy. Well… not necessarily. See, you are the only one that can ultimately control what happens to your credit report. Yes, of course there are those ‘unknown factors’ - BUT, the good news is there is a big first step you can take to help start achieving your own personal fantasy credit report. You can obtain a free copy of your credit report and see what negative items are sitting on your file. More than 70% of all U.S. citizens with credit reports have false or out of date items on their credit file. By spotting these items early and taking the appropriate steps to remove them you can improve your credit rating. What else can you do? Develop a personalized budget. It will take a couple months of re-adjusting but will help you to see where your money is going and begin to mature your spending habits. Also, think about your major purchases before you make them. Too often in our society, consumers buy things without a second thought and “paint themselves into a corner” financially. When you take on more payments than you can afford you have set up your credit report for long term damage. Here is a saying to think about regarding this type of situation: “If your outgo exceeds your income, eventually your upkeep will become your downfall.” Remember that the fantasy credit report is waiting to evolve before your very eyes - you just have to make it happen.

To read more about how you can get your online credit report free with no obligations, see what is on your file and find out how to fix your credit report go to http://www.cleancreditonline.com/

Douglas

Anna Josephs asked:


Free annual credit report is a report of all your yearly financial transaction and its help you to know where do you actual stand at the year end.

If anyone is looking for large purchasing like automobile, furniture or home this credit report will help you in easy transaction of anything. It’s totally depended on what is there listed on your credit report.

Equifax, Trans Union and Experian are three major finance agencies which is most commonly used by the merchant to report you yearly payment history. To get more information about these sites you can visit their website.

You may need to have some information about your yearly transaction or about your loan accounts you can refer three sites of finance bureau. You may get frustrated to refer three sites for few questions.

Earlier no one was entitle to receive even a single copy of their own credit report, but now law has made it enable to receive a copy of your credit report. You have fill their online form with all your correct information and with in few minutes you can see your credit report.

Make sure that you fill all the details correct as some people gives false information about their credit account number and all if its so then your form will get rejected and you wont be possible to get your credit report, so try to avoid all such things and save your time. And if you have any problem you can directly contact their customer service by calling.

Anna Josephs is a freelance journalist having experience of many years writing articles and news releases on various topics such as pet health, automobile and social issues. She also has great interest in poetry and paintings, hence she likes to write on these subjects as well. Currently writing for this website Free Yearly Credit Report . For more details please contact at annajosephs@gmail.com



Marion