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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Constraints and penalties for freezing and thawing credit report
I live in the U.S. and am interested in learning more about "freezing" one's credit report.
When one freeze's a credit report for a particular bureau, does that prevent new creditors from adding ...
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Can I request a credit item be removed from my report as soon as it is paid in full?
I live in the U.S. and have two scenarios:
On my credit report (doesn't matter which bureau), I have one account that I was never late on, paid on time each month, and is now finally paid off in full ...
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Possible to purchase credit reports more than once a year?
I live in the U.S. and although I am well aware that I am entitled to a free annual credit report once a year, I am open and willing to purchase my credit reports (from each bureau) more frequently ...
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Will Freezing My Credit Score Help Me Hide My Current Address?
I grew up in an abusive household and don't speak to my parents.
Recently they found out where I live - very far away from them - and showed up unannounced at my door.
I understand my credit report ...
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Equifax data breach and correct credit monitoring service for $125
for the Equifax Data Breach , there is $125 being paid for people affected , previously one only needed to choose and the cash portion or the credit monitoring by Equifax. As most of the people has ...
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Difference between credit report issued by a credit reporting agency and credit karma credit report
I use Credit Karma to check my credit score and report. I'm also aware that I can consent for businesses or persons to request a credit report on me from a credit reporting agency (equifax, transunion,...
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When does credit card utilization matter?
I'm learning more about credit before I get a credit card, and I read that it's advised to never use more than 30% of your credit card's limit.
Let's say someone has a $2000 credit line and he spends ...
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Are there negative consequences to having multiple credit monitoring services?
I already have one credit monitoring service that I am not paying for due to a security breach somewhere many years ago. I am not 100% sure but I think it expires/ends in a few years.
My data was ...
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Why are free credit reports available only once per year?
Consumers have access to a free annual credit report from each of Equifax, Transunion, and Experian thanks to the Fair and Accurate Credit Transactions Act passed in 2003. However, this may be too ...
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Inappropriate credit report hard inquries
I'm an international student in the US. Three weeks ago I decided to buy a used car. I found a great option at an official manufacturer dealership. I wanted to buy it fully for cash. After a little ...
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Would Getting (and Paying) an Installment Loan Benefit My Mortgage Rate
I am planning to buy a house (in the US) in about 9-12 months. I've read from different resources that an installment loan may boost my credit score if I make my loan repayments on time, as this is ...
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As authorized user why is the credit utilization of the primary card showing in my report
My wife added me as an authorized user on her credit card account and I received a card with my name.
The credit limit is still the same and is shared.
I have recently started seeing it in my ...
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Can I appeal credit ding if ex-wife is responsible for paying mortgage?
Per the divorce agreement, my name stays (jointly) on the mortgage, but my ex-wife is responsible for making all mortgage payments
She missed two payments this spring, triggering a negative credit ...
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Credit score on credit card application is much lower than reported credit score on Experian
My girlfriend applied for a credit card and was approved. The approval letter included her Experian score, which stated a score of 645 (I don't remember the exact number, but that neighborhood). She ...
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first credit card for H1B worker
I see a question Looking to get my first credit card but that seem to focus on students. I have a friend, who just came on H1B with zero credit history. The bank that has the regular account for him/...
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