All Questions
Tagged with credit-history credit-report
94
questions
27
votes
4
answers
6k
views
$7300 medical billing error reported to credit agencies
I opened up a Credit Karma account and noticed a collection in the amount of $7368. It was originated from Eisenhower Medical center. So I called Eisenhower to inquire and after 45 minutes on the ...
- 271
21
votes
5
answers
5k
views
Confused: Should I be opening more no annual fee credit cards to improve my score with the intention to not use them?
I was told that having more cards and more open accounts was more of a risk factor since you have more credit to abuse. However, this seems to say otherwise that credit trackers actually encourage you ...
- 1,199
20
votes
4
answers
7k
views
What can I realistically do to raise my credit score?
I have a crappy credit score. My situation in a nutshell:
In the divorce, the ex got the home, which was then foreclosed on. My name was still on the mortgage. That was in 2009 or so.
I attempted ...
- 3,817
12
votes
3
answers
7k
views
Is it common practice for credit card company to demand to see your income tax forms?
I recently applied for a credit card that my wife has. I was responding to a great offer that I believe this credit card company sent me based on my good credit score and so on.
When I applied online, ...
- 355
11
votes
1
answer
479
views
Might it make sense not to look into debt that is in collections?
I happened to glance at my credit report and one of the agencies shows that I have a debt of just over $100 in collections. It appears to be from an emergency room in a previous state (I moved about 6 ...
- 15.1k
10
votes
4
answers
7k
views
How do I fix my credit score when I have bad things in my credit history?
I am trying to improve my credit score and have been looking for companies to take charge of this effort. But I found them to all be shady at best so I have taken the task upon myself.
I have not yet ...
- 417
9
votes
1
answer
327
views
If my identity is stolen, is there another way to authenticate identity to the major credit bureaus other than my credit history?
Supposedly, one is able to monitor their credit rating with the three major credit bureaus to prevent/stop identity theft. However, the yearly report can only be viewed by answering questions about ...
- 193
9
votes
1
answer
175
views
Credit freeze and affect on perception as credit risk
In light of the Equifax hack I keep reading that people should apply a credit freeze on themselves at the 3 main bureaus. However, someone told me that their mortgage consultant said that placing a ...
- 93
8
votes
3
answers
2k
views
Does a balance transfer from a credit card affect our credit score?
If we do balance transfers from our credit card, pay more than the minimum payment within the due date and payoff the entire amount slowly within the specified time-frame, does it improve our credit ...
- 243
8
votes
1
answer
313
views
Why would something vanish from credit report?
I just got my Fico score (myFico.com) and was stunned when it was 67 points higher then 10 months ago (650 to 717).
I noticed it was missing a medical bill I still haven't paid from 2008 for around $...
- 241
7
votes
3
answers
1k
views
Do I not have a credit score?
Today I tried to access my credit report for the first time from the three major agencies using annualcreditreport.com.
When accessed through Experian, it gave me a generic error that my report wasn'...
- 173
7
votes
1
answer
1k
views
How can I escalate a credit dispute when the bureau "confirms" the item?
A while back, I was moving to a new city. At the point when I got around to applying for an apartment, I had never checked my credit before. I was denied the apartment due to credit, and started ...
- 740
6
votes
1
answer
18k
views
Can a company run a credit check on me without my permission?
I understand that sometimes when dealing with companies over the phone or over the counter, they need to run a credit check.
I would have thought that as a courtesy they would at least tell you this ...
- 405
6
votes
1
answer
133
views
Do lenders have a practical obligation for prompt/accurate credit reporting?
Joe had a high-balance loan from Acme Bank and paid it off. Acme reported to the credit bureaus about every 30 days during the loan, up until the day after the scheduled payoff. On that last day, ...
- 2,905
5
votes
2
answers
19k
views
Can I check US credit score from abroad?
I permanently left the US a few years ago and I am no longer permanent resident.
Is there a way to check my own credit score for personal verification purposes (the major credit agencies require a ...
- 319