3 Credit Bureau Report – Free Score

Katie asked:


My credit scores differ from each credit burea, and my equifax score is the best of the three. I’m looking into buying a new or slightly used Honda.

Evelyn

Tcabe asked:


I filed bankruptcy in October 2000 and had it discharched in march of 2001. Receintly I got notified thru equifax that each line item that was under bankruptcy was not listed as “included in bankrupty”, and showed delinquincy and high balances, etc… I called each creditor and asked why they changed this and they had not idea what I was talking about. This info was old to them and they did not initiate these changes. I asked for an investgation thru equifax and they instisted right away it was correct. My credit score has just plummeted after working so hard after 6 years to work it back up. How can this be just changed, even with proof of a bankruptcy right there on my credit report?

Lewis

happy asked:


I am facing a situation with a Credit Bureau – Equifax. It is regarding my personal information being updated incorrectly on my credit file they have. After providing them the proof of my correct date of birth, they did change it to the correct one on July 12, 2007. I noticed effective July 24, 2007 it has been changed back to the incorrect one that I disputed earlier. Upon my calling Equifax I was informed that they will change my personal information based on the report they receive form their member creditor(s).

My concern is that they rely more on their member creditors than the proof that was provided to them for my correct date of birth. I wonder if Equifax, and other credit bureaus for that matter, would do the same for any personal information.

I would appreciate any suggestion you can provide on how to handle/deal with this problem.
I have already provided them copy of my DL and they did change it to correct DOB on July 12, 2007. But I was told by Equifax today that based on a member creditor’s report they changed DOB back to the incorrect one. I unsuccessfully tried to have them explain to me that why they rely more on member creditor’s report when they have proof of my DOF in heir files. It was VERY frustrating. They won’t tell me which creditor reported wrong DOB, instead they suggested that I should call ALL the creditors I have/am dealing with.

Timothy

kirkan1@verizon.net asked:


I want to buy a car, but I was wondering which bureau do the dealers get your score? My Equifax score is 620, Experian is 650 and Transunion is 591. I want the best rate and a not so high payment.

Carlos

Tarron Acuff asked:




The three major credit bureaus are Equifax, Experian, and keep information on your credit history. If you don’t have any credit it should say is that the report does not exist because no credit has been established. If they do have credit established, it will tell you what is on your report. If you should ever see something on your report that looks like fraud, Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file.

You may request free credit reports once a year from all three major credit bureaus. Your credit score is a number given to you by the three major credit bureau agencies that reflects your credit profile. At first, it would seem as though your credit score would be the same at all three major credit bureau companies, but in fact all three scores can be different. Credit scores are improved by having the right type of credit, showing responsible use and not having too much credit.

Let’s say, find that some information in your credit report that is incorrect, you may to dispute that information to have it corrected. To file a dispute, you have to attach a copy of your credit report and mark the incorrect items. You most likely will have to prove that the information is false. You should mail the dispute letter as certified mail and always keep copies for yourself. Just like most data you need to have a backup in case you would need to prove what you had sent. Your letter should include your complete name and address, clearly identify each item you dispute, explain why you dispute the information, and request deletion or correction.

Victor