When it comes to managing your credit, dealing with credit bureau reporting agencies can be frustrating. The process can be confusing and time-consuming, whether you’re trying to access your credit report, dispute an error, or simply understand how your credit score is calculated. Here are the top 10 complaints people have when dealing with […]
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Credit monitoring is an electronic, subscription-based service for consumers who want to track their credit activity at the “Big 3” U.S. credit reporting agencies — Equifax, Experian and TransUnion. Credit bureaus, credit scoring firms and other companies typically sell credit monitoring services for a fee ranging from about $10 to $20 a month. But some
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Q: Hi Lynnette, I have noticed a difference between my credit reports from Experian, TransUnion, and Equifax. Can you tell me which credit report is the best or more critical to a lender? A: Generally, no credit bureau report is “more important” than the others. In today’s economic environment, they are all vitally critical to
Which Credit Report is More Important: Equifax, Experian or TransUnion? Read More »
Q: I recently filed for bankruptcy and it was discharged in October. But on my credit report one of my student loans was listed as being discharged. Is that possible and can they still come after me for garnishment? A: Student loans are generally not dischargeable in bankruptcy court – regardless of whether they were federal
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You can dispute mistakes with the credit bureaus by mail or telephone, but you’ll get the fastest results if you initiate a dispute online. Here are the websites and phone numbers you should use for the credit bureaus when you contact them to dispute errors: http://www.investigate.equifax.com or 888-800-8859 http://www.Experian.com/disputes or 866-200-6020 http://www.Transunion.com/investigate or 800-916-8800 It’s
What’s The Fastest Way to Get the Credit Bureaus to Fix Mistakes In My Credit Reports? Read More »
If you’ve requested your credit reports recently – or only peeked at them after a bank or another lender pulled your credit files – you may be wondering about some cryptic-looking codes and abbreviations you saw. The three main credit bureaus — Equifax, Experian and TransUnion — each have their own way of describing your
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