Questions tagged [credit-report]
A credit report provides an individual's credit history, including their credit score. This tag is to be used for questions related to overall credit report, of which credit score is just one part. Related tags are credit-history.
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Does payment in the UK with UK billing address by using an EU debit card influence your UK credit score?
As per the title; additional clarification: the payment is in GBP and my debit card is registered at an EU address. I'm paying by using a paper payment slip, and I don't think that mismatch between ...
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What is the effect of filing a CCPA deletion request to the the credit reporting agencies?
Credit reporting agencies are required to comply with consumer privacy laws. Some of them, like TransUnion, do so transparently. They report they had 275 deletion requests, of which all 275 they ...
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Debt collector refuses to send a bill or any info in writing to show debt is mine and it is hurting my credit report. It is not my debt. What to do?
I received a call from a debt collector asking for hospital bills. They said they sent a bill, which they could not tell me what for, the date of service, or when they sent it. Someone is always ...
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Will paying off a defaulted loan from 20 years ago affect my credit?
I defaulted on a loan 20+ years ago, which has since fallen off my credit report. My credit score today is excellent. If I were to pay the balance being asked for by the current debt owner/collector (...
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How to maintain high credit score while opening too many credit cards?
Multiple credit cards have new user promo offers ($100 off first payment or similar).
I wish to take full advantage of these offers, and open about 4 new credit cards within the next year.
However, I ...
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Should I put my mortgage in deferment?
Times have been rough! I lost my job and despite interviewing I have only been ghosted by recruiters and companies. I have started offering tech/software consulting services but given I am new to the ...
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Why can't you see your credit score at all times?
I've just seen over the years that you can check your credit score now and then and sometimes it might lower it a small amount just to check.
Why isn't credit some transparent function of various ...
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What is effect of full settlement on credit report
Suppose one has delinquency on credit cards that show R9 on the credit report. If he settles the credit card company with full payment, the credit report will show the status of settlement of full ...
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F1 visa and credit card debt
I am currently in the US on an F1 visa and I have over 4000$ credit card debt (4 maxed out credit cards). I make on time payments each month and should pay it all within a year. Can I leave the US and ...
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Does a late mortgage payments hurt credit score if it was made within the grace period?
I'm a first time homeowner (USA) and just started making mortgage payments. My loan was sold to a different servicer within the first month of the loan, so I only made one payment to the first ...
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How credit score is improved after debts are paid off
Here is a scenario for the credit score improvement I am interested in. Suppose a person can not pay the credit card debts for over 6 months. This is very bad for his credit score because unpaid cards ...
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Which is worse for credit score: requesting the closure of a retail card or letting it close due to inactivity?
I applied and was approved for a TD Retail Card Services store credit card about two weeks ago but ultimately did not use it for my purchase. The card is currently sitting at $0 balance, and I do not ...
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Is it worth paying Experian to remove personal information?
I hit the "Scan the dark web" button on the Experian web site.
I got:
Is this really an issue and if so is this worth upgrading my account?
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Can debt collections show up on my credit report if the collectors haven't contacted me first?
Can debt collectors report to credit bureaus when they haven't contacted me yet?
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My credit utilization went down from 19% to 2%. Why did my credit score go down?
According to multiple different credit score trackers, between last month and this month, the only change on my credit report was a significant decrease in my credit utilization (from 19% to 2%), ...
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