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Equifax Questions and Answers
Article by creditfaq
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Best route to increase Auto Beacon evaluation?OK, so I’m upside down in my minivan and looking for an escape vector (It’s 10 years old, have 8K still on it, and 140K miles… all three at once is not good word.)I’ve just been told that my Auto Beacon from Equifax is “too low” for the leasing company I be looking at. (Despite the fact that they give you no notion what “too low” is…) I’m trying to decide on the best route to specifically increase my Auto Beacon score.Currently I hold 4 credit cards with high balance (due to college. I wish they were glorious because I own lots of cool things).I have two installment loans (Car, College Loan).Which would be better:1) Actively pursue more credit cards and spread the balances?2) Get a personal loan next to a credit union to lump all the credit card revolving debt into an installment debt?I’m looking for the fastest route to move about.Buying a tentative coup?I am a 20 year old college student surrounded by Texas. I am looking to buy a new motor. But I have looked at my credit and the just thing unenthusiastic at all is a couple hospital bills that get reported. Other than that my credit is good and solid. For example my experian credit rack up is a 721 but this is without the doctor bills individual counted. The TransUnion and Equifax my score is a 605 solitary because of the doctor bills. How do car companies look at your credit and how bleak will the doctor bills hurt me when trying to get a untried car. Thank you for your serve.Can a credit card charge rotten that be salaried surrounded by full save reporting “CO” status? It wasn’t sent to collections.I have a HSBC Best Buy credit card that was closed within June 2002 due to several late payments; I was 30 days slow at that time. The account was never turned over to an outside collection agency and I continued paying Best Buy monthly until I be able to pay stale the entire balance in Dec 2007. After June 2002 I be never late on a payment.I just now disputed the late payments on my credit report and all the slow payments were deleted. However, Equifax updated their accounts, changing the status to “charge off” from “pays as agreed”.I disputed the status and they re-verified that it was correct and made no change.Can they change the status to charge-off now? If they justifiably have that right, is there any path I can have the status changed back to “paid” since my Equifax credit report shows no unpaid payments on this account? If I can’t have the status changed, does this parsimonious that I have to live with a “charge off” on my credit report until Dec. 2014 (7 years after my final pymt)?Can i donate prehistoric accounts to my credit report?I reviewed all three credit reports and found that there are a few out-of-date, and paid in full accounts that are not on my Equifax and Experian credit report, but are on transunions. Can I request that said rationalization be added to Equifax and Experian, and will it help my score?Can I request that the loan company evolution my interest rate after finding out my credit win be imprecise?Equifax is reporting an unpaid civil acumen when surrounded by certainty it be salaried over seven years ago. It is also deceitfully reporting a federal levy lien. I am disputing this info next to proof and after these two items are taken stale, my credit gain will be greater. The loan company one and only uses Equifax. Do you conjecture that the loan company will contribute me a better rate after it is discovered that my credit win at the time the loan be made be approximate?What do you guess? I am requesting to the loan company in my missive to them today that my interest rate be subsequent changed to parallel the true credit chalk up since their interest rate is “podium upon” that chalk up. Thank you.Conflicting credit information on my CR?I am have difficulty getting credit near anyone because some of my history is underneath another personage near my term, different SS# and DOB. So it looks similar to I don’t hold the credit I in fact do because it showing up beneath this other folks SS#. Equifax will singular confer to me if I distribute within a copy of my SS card and other ID. I’m remarkably insecure to do that. What can I do to find this problem resolved?Could someone help out me find out why my Equifax win dropped 15 points?I have be without work and i finally have money to start paying my credit card bills. I started paying then adjectives of a sudden my score dropped 15 points. I remunerated down both of my credit cards which were opening over the limit and Chase took away adjectives my overlimit and finance charges after a huge brawl. Now both my cards are at 50% usage rather than 144%. What could enjoy caused my rack up to drop so much. I didnt apply for any credit or anything.ThanksCredit Scored Dropped?I subscribe to TrueCredit and noticed yesterday that my “score” dropped 24 points within one month. Three accounts be removed from the credit report; however, these were negative listings. The solitary other thing that has changed is that I presently owe less on all my other debts. Also, because of these accounts person removed, on my Equifax report it went up 14 points and Experian stayed the same. Is this average for entries over seven years? (is it just me or is anyone else beginning to believe that these credit reporting agencies are a bunch of scam artists too.)For all my effort within trying to clean up my credit report, it seems that the more I repay off, or have denial items deleted, the worse my credit score is becomming.Is here anything else I should be doing to improve my credit score that would increase it instead of making it ease?Debt Validation & Statute of Limitation Help!?I have a couple debts I am disputing. Of course, after combat with Equifax and going through their eternal circle of BS, I got nowhere. Now I am going to ask the collectors to corroborate the debt. My question to you lawyer or experienced folks out there is, one of the accounts is for power service. These are speaking contracts entered over the phone. Can they endorse these? There is no written contract to prove I entered it. Also, that statute of shortening here in FLorida for debt collection is 5 years. Can I attempt to substantiate past debts that are over 5 years aged and then emergency the stop and remove from credit record since it have been over 5 years?Demand for valadate memo?I wrote a question and you answered, thank you, is in attendance anyway to comment on the questions and answers withour typing a latest question?If the collection agency can not demonstrate with a communiqu?, how does not paying the debt take it bad my credit report from Equifax?Did you donate TransUnion, Experian, and Equifax the authority to preserve information on you?My credit started in 1988 when Mobil or Exxon reported that I open a credit card.No big concordat. I’m ok next to that even short my authority and consent.What I’m not ok next to is how much bee-ess I’m have to turn through to bring back my stupid credit reports from these jamokes.Mobil, Exxon, and any other Tom, Dick, and Harry can utter anything they want give or take a few me at the drop of a head covering. However, try to bring back a copy and what do they utter?”The information you provided as proof of your identity does not game your information currently on database.”I’m trying to guide these credit bureaus a short time bit of math:If A = B, and B = C, after A = C.A is meB is the creditorsC is the credit bureausA can have a chat to B.B can chat to CBut C won’t collaborate to A. What exactly is it the credit bureaus don’t receive something like that?Does anyone own the number to contact an actual character at Equifax Canada?I’ve ordered my Equifax Canada report and have not received it. This be almost a month and a half ago. I’ve tried adjectives the numbers I could find online and nothing get me to a real soul. HELP!!Does the “average” vehicle buyer know this?Because I sure didn’t and well-read the “hard” track…Please consent to me know if you know this or not. I am impression kinda stupid right in the order of presently, because I didn’t. (Article quote attached.)”As a FYI to reader, most auto dealer & auto loan lenders use what’s call an “auto industry option” of the mundane credit chalk up. For Equifax, their most modern model is call the Beacon 5.0 Auto. The auto credit score remuneration fussy attention to olden credit ceremony on auto loans, supposedly next to a better freight given to installment loans. That is why, for example, if you hold a poor revolving (credit card) history, but you hold never be in arrears on an installment loan (auto loan, mortgage, student loan), your Beacon 5.0 Auto chalk up may be considerably high than a common Beacon. As far as I know, the auto score are not available to the public. That may be why, when car/truck shopping, your evaluation is different than what you may own pulled up on the internet. Hope that help.”How did I grasp my repo removed?I disputed a repo that happen 3 years ago. (I know I be wrong and I did owe Toyota money) Anyway, it be removed from my Experian credit report!! My examine is how and why did they do this and how can I achieve it removed form Equifax and Transunion? (after the repo be removed my Experian gain is 70 points complex than Equifax and Transunion)How do bank report credit history to Credit Agencies..TRW, Transunion Equifax?What is the process/method that they use to send information to the bureaus? I’m guessing at hand is a software that each lender/bank have and at the end of the night/month..at load file is transmitted to the CRA…??Any clues??How do I dance going on for on the way my Auto Beacon 5.0 chalk up?Recently found out that this is completely different that the “normal” Beacon provided by Equifax. Is Equifax the solely reporting agency considered next to the 5.0, or does Experian and TransUnion digit into it somehow? As much info as you can provide would be appreciated since this is not researchable on the internet. Thank you!!How do I draw from a hold of a live representative through Equifax?I am trying to call Equifax and I have call numerous toll free numbers. Can anyone give me a number and then dial instructions for example press #1 consequently #3, etc. I already tried pressing #0 it does not work!How long does a credit card co. own to report deliquent pmt on credit report?I have a card I haven’t used since 1999.My Equifax report shows it delinqent,(the other two do not show it at all) and the report say “first report of delinquency 2-2005?How can they wait that long to put it on my report? The SOL within my state is 3 years.It is a reasonably small amount that be turned over to a collection agency.How smooth it is to capture a retail credit card?Hi,I heard that it’s reasonably easy to obtain a retail card, even for those people who are trying to promote their credit. I have 617 FICO mark with Equifax and still be denied SEARS card. How many points i must own before even thinking applying for such card? ThanksHow to digit out my credit gain?I bought a report from the 3 bureaus and this is what it says:Equifax – 659 (fair) Experian – 699 (good) Transunion – 716 – (good)So when someone looks at my credit what do they see? I want to try to lease a saloon in may will my credit rack up slightly increase if I make adjectives of my payments by then? Also, I just now got some brand new furniture and applied for financing but I was denied, I thought my gain was okay be it because I only started building my credit approaching 8 months or so ago? ThanksI call Equifax to dispute distrustful information?found on my credit report stating that I am deceased, the female that I spoke with told me that it would run 30-45 days to to investigate the information, but yesterday I recieved a dispute form in the letters form Experian which is weird because it’s not Experain that’s reporting that I am departed it’s Equifax, this is confusing do I need to ring Equifax back or only just wait out the 30-45 days?I enjoy a judgement that be settled until that time going to court…how can I bring it past its sell-by date?I have a credit card which I lost track of after moving around every semester…near a 0 stability. 6 years after graduate, I bring back a knock on the door from a guy serving me near a lawsuit for 00, I hadn’t hear a article almost it the integral time. I settled near the attorney formerly going to court, and as I hold be told 3 times immediately by the firm that sued me, that it should not appear as a judgement on my credit report. However it does show up on my Equifax, not the other, and have absolutley kill my ranking. They investigated and claim its correct…any suggestions? Can I dispute a second time? Should I check next to the county first to see what status they hold?I Have Inquiries On My Credit Report That Are Not Mine.?Do I Have To Write Transunion, And Equifax Or Will Experian Tell The Other Two The 40 Inquiries Are Not Mine.I hold a examine almost getting a free copy of credit report?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 adjectives the information from all three state consumer reporting companies including Equifax, Experian, and Transunion? Do I have to request one individually from the three companies or do I only just have to proclaim one and everything will be included? How does this work? I’m new at this.
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Can i donate prehistoric accounts to my credit report?I reviewed all three credit reports and found that there are a few out-of-date, and paid in full accounts that are not on my Equifax and Experian credit report, but are on transunions. Can I request that said rationalization be added to Equifax and Experian, and will it help my score…
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