majax79 asked:


Are the credit scores that I buy from the 3 main reporting agencies the same scored that would be reported to a company?

How can reporting agencies use different scoring systems and report different stuff in different places…or not at all?

How is this fair to the consumer?
Wow, the “life isn’t fair” answer.
I expect a better answer from someone at level 6.

RALPH

Sye S asked:


I have been in touch with a company who said they can add seasoned tradelines to my credit report to boost my score over time. However, in doing some research online, I fopund that a lot of lenders are trying to combat against this practice by ignoring “authorized user” accounts and the points they add to your credit score. I believe this practice began some time last year.

Is there anyone who has had seasoned tradelines added since then in the recent past who has seen some form of improvement to their score AND been able to get a loan (i.e. home, car, etc) with the improved score and tradelines completely considered? I would like to know if this is still a beneficial practice before I spend 800 to add one to my report.

Please, only consumers, not companies trying boost their services. Preferably someone who got through with a loan after adding seasoned tradeleines. Thanks!

ANDREA

Gene Pimentel asked:


So many people are worried about identity theft and the status of their credit report these days. But with so many companies claiming to offer you a free report, it is no wonder consumers are confused and overwhelmed about how to get the information they need. The truth is many companies are not entirely interested in giving you a free credit report, as they are in making money off of you with their other products and services. How does a consumer know where to turn for the information they need?

The Federal Trade Commission is Your Friend

The Federal Trade Commission, a Federal agency set up to protect consumers, is the only place online that offers a truly free credit report through Experian, Equifax, and TransUnion. You can receive reports on your credit every 12 months with no strings attached. Consumers often times are not even aware that they are entitled to review reports on their credit at least once a year, much less get it from a government agency.

Pitfalls to Getting Your Credit Report

Other companies will entice you to their website by stating you will receive a free credit report. Once at the website, you will often times find that you have to buy other products or services before your report will be issued to you. That’s great, if you are interested in the other products and services, but most times consumers just want to see their credit records only.

You may see ads on television or the Internet, or hear ads on the radio from companies offering free credit reports. Be alert to the fact that when you visit the website you might be obligated to buy additional products or services before receiving a report on your credit status. The FTC receives many complaints from consumers who have fallen into this credit report trap. In fact, they encourage you to report any spam websites that you come across.

How to Get Your Free Credit Report

The FTC advises consumers that you cannot get your free credit report directly through Equifax, TransUnion, and Experian. You must contact these companies directly through the FTC website. Simply type in “annual credit report” and look for the official website in your search engine. There are many websites that will have a similar name to this one, so be sure you are on the correct website by typing your search carefully. The site will guide you through the appropriate steps to receive a free report on your credit status.

Consumers typically type in search phrases such as “free credit score,” “free credit history,” and other similar phrases only to land in a website that wants to sell you something you don’t need. Avoid using these searches in the future to avoid spam websites.

You can get your annual report on your credit status for free. You can keep a watchful eye on your credit history in these days of high identity theft rates. You just have to know where to go to get the information you need.



ISIDRO

GEORGE J asked:


I have 2 old accounts sold off to a collector who sold it off again now I have 3 hits on my credit report for the same account? How do you fix this problem?

RAPHAEL

surfacecc asked:


I’m trying to get copies of my credit reports by all 3 agencies. I’ve been told that the address is incorrect and that I don’t qualify for a free credit report. Anyone know what to do? Or have the number to speak to a LIVE representative?

MOHAMMAD

Ken asked:


I recently became interested in buying my first house. Unfortunately, I have derogatory credit. I am working with a lending specialist and she had pulled a credit report on me. When we were going over it, there was surprising MUCH less than I had been used to seeing on my credit reports that I have gotten online at places like freecreditreport.com. It wasn’t a great score nonetheless but there was in fact only about ¼ of bad credit reported on this report than the ones I was getting online. The lending specialist that had pulled the report said that there is a huge difference between a CONSUMER credit report and a MORTGAGE credit report. Can anyone shed some light on this and either confirm what I was told or else otherwise? Thanks!
I shoudl have added that this specialist was a relative of mine so I am sure she was rather thourogh. She has been doingh this for 23+ years now. Also, this report had shown both bad AND good credit.

SONNY

lectric lady asked:


on my credit report I have several hospital bills that are over 7 yrs old but the collection service only reported them 5 yrs ago. so do i have to wait 2 more years or can I get them removed now?

TIMOTHY

tina4545 asked:


I mean come on they will not hire you because of your credit report but how can you pay off the debt with no job?

ANDREW

Lyn93 asked:


I am overwhelmed with loans, Credit Cards, and bills. The thing is I have decided to go through Consumer Credit Counseling to have my interests on my loans lowered and pay off my loans, and the Credit Cards which are now in collections. I cannot handle this debt on what I make, because my job has cut hours, and cut completely out overtime. I was told by someone who went through Credit Counseling, and she sent them the money that they were suppose to send the different bill collectors to pay their debt, but the Credit Counseling took too long sending out those payments, and she received numerous of calls from her debtors. Eventually the money was sent to her debtors, but it caused her credit to look worsier on her Credit Report, than if she would of handle it herself, because they took too long sending the payments. My question is, Is getting help from Credit Counselors the way to go?

NICOLAS

Fine Fine asked:


I had few credit cards since 2000. I did not make any payment on thouse cards but my credit report shows charge offs. Is there anyway i can fix it or what can i do ?? please help me.

THURMAN