Consumer Credit Reports – equifax experian score

richcu asked:


OK WE ALL KNOW THE CREDIT REPORT CRAP. WE GET A CREDIT SCORE IF ITS LOW,THINGS COST MORE IF ITS HIGH, THEY COST LESS. THE PROBLEM I HAVE IS WHERE DOES THIS INFORMATION COME FROM AND IF ITS WRONG AND BELIEVE ME YOURS WILL BE TOO, WHY DO I HAVE TO CORRECT IT. SHOULD NOT THE SUPPLIER OF THE INFORMATION AND THE CONVEYER OF THE INFORMATION BE LIABLE FOR THE INFORMATION IT PUTS OUT THAT AFFECTS EVERY ASPECT OF PEOPLES FINANCIAL LIFE.

MOHAMMED

KLLMLL22 asked:


I am about 30k+ in debt and all are delinquent (laid off). Is it better to deal directly with creditors or go through an agency? I have funds to pay most of it off, but I am concerned with my credit report and how new creditors may look at my credit. In the long run is it better to say settled on my credit report or credit counseling?

CONRAD

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!

ABEL

honhill asked:


I am in the process of divorcing and I recently found out that my husband hired a private investigator to obtain personal info about me. I accept the fact that much information is publicly available to anyone with the time, knowledge and/or money to find it, but is it really legal for someone other than myself to obtain my credit report? I don’t owe my husband any money and I have not hidden any assets, and he never even asked me for it, he simply had a PI gather my credit report along with other info: checking to see if I had ever been married, etc. I just feel that it is a big privacy violation and I am wondering if I can complain about it to any agency. I did not think that consumer credit reports were considered public information, but please correct me if I am wrong.

HERBERT

mac asked:


If so, why? and how else would I check if my credit is correctly reported, because it wasn’t 2 out of 3 are right- the last is wrong and they are the ones that stated my request is a detriment to my score, doesn’t make sense to me, how about the experts out there? Anyone have the answers?

CHASE

Victoria M asked:


I had a credit card that was delinquent and was from 2000 and has been removed from my credit report now a collection agency is calling me for payment is that legal?

COREY

Casey asked:


I applied for a credit card a while back, and I was declined. This was rather surprising to me, because I’ve got good credit. Anyway, I got an email from the cc company today stating the reason for my rejection:
” The amount of your purchase required a credit bureau report. We were unable to retrieve a report from a consumer reporting agency.”

Now, what? I retrieved my credit score just the other day and it was in the low 700s–so I know that I’ve *got* a credit score. I applied and got approved for a different credit card just a few weeks before I applied for this one, however–could that have been what went wrong? In any case, should I be worried that they couldn’t retrieve my credit report? That just seems awfully strange, and I’m not sure if I need to talk to someone at a credit bureau, or something. . .any help/advice would be greatly appreciated! Thanks.

MARLIN

Philip Augustus asked:


is there a credit card or bank account that allows unlimited free access to your credit reports?
I know wamu used to have one. which is gone now.
wamu still says they do

https://www.wamu.com/personal/credit_card/default.asp

just wondering if anyone else does.

CAREY

Kaybee asked:


Our mortgage company has reported our payments as late even though the payments were made on time to the State Bankruptcy Court. These payments to the court included our monthIy mortgage. Is this legal?

ELIAS

prangkitty asked:


I want to know who and where would I address a letter to if I had complaints about my Chase Credit Card and needed to reach some one other than the customer service reps. Thanks.

DELBERT