Ensuring An Accurate Credit Report
Your credit reports are the official place to confirm your credit score and complete history of credit activity, but even then, errors may abound both when youre requesting your reports, and afterward.
Double check your personal information. A misspelled word;or an inverted number in your address or Social Security number could prevent you from accessing your report. Make sure all your personal information is correct before sending out your application.
Manage trick questions. There may be some deliberate trick questions during the verification process used by AnnualCreditReport to verify that you are actually you. They may ask if youve lived at any of the three listed addresses or had a car or student loan through a list of lenders. If none apply, remember to click none of the above. If youre unsure, its best to go back and confirm your own personal history, like where youve lived, if youve rented/owned, where youve worked, and whom youve had credit with, especially if the information is several years old and hard to remember.
Dont worry if you cant get copies of all three credit reports just yet. But if youre looking for credit through a certain bank, request the credit report from the reporting agency they tend to use most often.
Heres what to look for:
Follow these links to each credit bureaus credit report dispute/investigation process:
If You’re Approved But Your Credit Limit Isn’t Enough To Buy A Device With Apple Card Installments
You can;apply for Apple Card;when you buy a new iPhone, iPad, Mac, or other eligible Apple product with Apple Card Installments.;If your application is approved with insufficient credit to cover the cost of the device;you want to buy, you can choose a different device that’s covered by your credit limit. You can also choose a different payment method or;use Apple’s Trade-in program.
What Need To Include Things Like In What Credit Cards Pull Equifax Only
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Utilize Your Highest Credit Score
- Sometimes your credit score can vary dramatically between the bureaus in which case youd obviously want to go for banks who might use your higher score.
Remember that just because one or two credit bureaus are pulled, your new account will still likely show up on all three of the major credit bureaus. This is great because if you only have one good credit report like TransUnion, you can leverage that one to get new cards which will eventually boost the score of your other credit reports!
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Who Can Access My Equifax Credit Report
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Those with permissible purpose can access your Equifax credit report;to help them make certain types of decisions about you
You must provide consent for lenders and creditors or employers to access your Equifax credit report
You can see which;companies have accessed your Equifax credit report
Financial institutions, other lenders, and companies with what’s called “permissible purpose” can access your Equifax credit report;to help in making certain types of decisions about you.
For example, when you apply for a loan or credit card, a lender may use the information in your Equifax credit report to help determine whether to lend you money and at what terms.
No one can access your Equifax credit report unless they have a permissible purpose.
What is permissible purpose?
Under the law, permissible purposes are the purposes established by law for which someone is permitted to access your Equifax credit report.
Your Equifax credit report can only be accessed for specific reasons. Some examples:
- Lenders and creditors you are applying for credit with
- Existing creditors you have a relationship with, to review an existing account to determine whether you continue to meet the account terms
- Debt collection companies, to use in collecting payment
- Insurance companies, to underwrite insurance involving you
- Employers or prospective employers, to offer you a job or promotion
- Rental companies/landlords, phone and utility companies, to provide a service
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Negative Information In A Credit Report
Negative information in a can include public records–tax liens, judgments, bankruptcies–that provide insight into your financial status and obligations. A credit reporting company generally can report most negative information for seven years.
Information about a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Bankruptcies can be kept on your report for up to 10 years, and unpaid tax liens for 15 years.
How Do I Get My Free Credit Report
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- You’re entitled to a free copy of your credit report every 12 months from the three nationwide credit bureaus by visiting annualcreditreport.com
- You can request these free annual credit reports online, by phone or by mail
- You can also create a myEquifax account and enroll in Equifax Core Credit for a free monthly Equifax credit report
If you want to check your credit reports from the three nationwide credit bureaus — Equifax, Experian and TransUnion –;there are several ways.;You may already know that you’re entitled to a free credit report from each of the three credit bureaus every 12 months.
In addition, you can sign up to receive additional free monthly credit reports from Equifax.
By law, you are allowed to get one free copy of your credit report every 12 months from each of the three nationwide credit bureaus by visiting www.annualcreditreport.com. These reports do not include .
You can also contact the annual credit report service:
If youre sending your request by mail, please be sure to include your name, Social Security number, current and previous addresses, date of birth, and telephone number. Or you can fill out the Annual Credit Report Request form;on the Federal Trade Commissions website.
For your protection, you will also need to verify your identity with an acceptable form of identification. Find out more about acceptable forms of identification.;
Meeting certain requirements
Which Credit Cards Only Pull From Equifax
I made the mistake by relying on other topics and current internet advice in determining which credit card to apply for that would only use;Equifax .; So I chose to apply for a Chase Card . . . and they pulled my report from Experian which had a lower score – but still approved the card after some followup.
Therefore, I am back to the forum asking for more reliable advice on which credit cards ONLY pull from Equifax?;;
How Can I Check Credit Scores
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You may be able to get a credit score from your credit card company, financial institution or loan statement
You can also use a credit score service or free credit scoring site
Many people think if you check your credit reports from the three nationwide credit bureaus, youll see credit scores as well. But thats not the case: credit reports from the three nationwide credit bureaus do not usually contain credit scores. Before we talk about where you can get credit scores, there are a few things to know about credit scores, themselves.
One of the first things to know is that you dont have only one credit score. Credit scores are designed to represent your credit risk, or the likelihood you will pay your bills on time. Credit scores are calculated based on a method using the content of your credit reports.
Score providers, such as the three nationwide credit bureaus — Equifax, Experian and TransUnion — and companies like FICO use different types of credit scoring models and may use different information to calculate credit scores. Credit scores provided by the three nationwide credit bureaus will also vary because some lenders may report information to all three, two or one, or none at all. ;And lenders and creditors may use additional information, other than credit scores, to decide whether to grant you credit.;
So how can you get;credit scores? Here are a few ways:
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What Is A Credit Pull
A credit pull or inquiry is a request by a retailer, financial institution or any other individual to view your credit report. Third parties can pull your credit report to review your creditworthiness and other details before extending credit. There are two types of credit pulls, hard inquiries and soft inquiries. Only you can see your soft inquiries, but hard inquiries are visible to anyone who looks at your report.
Anytime a potential lender looks at your credit report, a hard credit inquiry occurs. An example of a hard inquiry is when you apply for a mortgage and the lender pulls your credit report to determine your worthiness for extension of credit.
On the other hand, a soft inquiry occurs when a routine check is performed on your report without your permission. Soft inquiries happen when a creditor youre currently working with checks your credit to ensure youre still creditworthy or when you check your report yourself.
Check out this infographic to learn how bad credit can affect your daily life.
Escalate The Issue If Required
If you feel that a credit bureau has not treated you properly, you may file a complaint. This complaint can be made in writing to your provincial or territorial consumer affairs office. The federal government does not regulate credit bureaus.
In Quebec, these complaints must be directed to the Commission d’accès à l’information du Québec .
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How Do You Check Your Credit Report
On AnnualCreditReport.com you are entitled to a free annual credit report from each of the three credit reporting agencies. These agencies include Equifax, Experian, and TransUnion.
Due to the COVID-19 pandemic, many people are experiencing financial hardships. To remain in control of your finances, you can get free credit reports every week through April 2022.
Request all three reports at once or one at a time. Learn about other situations when you can request a free credit report.;
Request Your Free Credit Report:;
By Mail: Complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
If Your Request for a Free Credit Report is Denied:;
Contact the CRA directly to try to resolve the issue. The CRA should tell you the reason they denied your request and explain what to do next. Often, you will only need to provide information that was missing or incorrect on your application for a free credit report.
If you can’t resolve your dispute with the CRA, contact the Consumer Financial Protection Bureau .
Forming A Credit Card Application Strategy
For me, most banks pull Experian. This leaves my Equifax and TransUnion reports relatively inquiry free. Heres where the strategy comes into play. If I know that I might get denied by a bank like Citi who also pulls Experian then I can start applying for credit cards at banks that pull one of the other two. For example, Barclays tends to pull TransUnion. Theyre known for being sensitive to a lot of recent inquiries. While I may have opened a lot of credit cards recently, my list of inquiries on TransUnion remains short. This may increase my likelihood of being approved by Barclays. Another example of this is applying for business cards through Bank of America. While Bank of America pulls Experian for personal cards, they pull Equifax when I apply for a business card. They are the only bank that has pulled Equifax for me, so its easy to keep this report clean. Timing is also important with applications since some recently opened credit cards may not show up on your report immediately.
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Fico Vs Experian Vs Equifax: An Overview
Three major compile information about consumers’ borrowing habits and use that information to create detailed credit reports for lenders. Another organization, Fair Isaac Corporation , developed a proprietary algorithm that scores borrowers numerically from 300 to 850 on their creditworthiness. Some lenders make credit decisions strictly based on a borrower’s FICO score, while others examine the data contained in one or more of the borrower’s credit bureau reports.
When seeking a loan, it is helpful for borrowers to know their FICO score, as well as what is on their credit bureau reports, such as those from Experian, Equifax, and TransUnion.;A borrower who appears stronger under a particular scoring or reporting model should seek out lenders that use that model. Given the crucial role a good credit score and credit reports play in securing a loan, one of the best credit monitoring services could be a worthy investment to ensure this information stays safe.
Using The Credit Pull Database
The Credit Pull Database is extremely easy to use.
Just and youll be able to search by the following criteria:
- Consumer State
- Date applied
You do not have to select all of the details. I selected Texas and Equifax and found credit pulls data points for the following banks:
- Random comments
The comments can be really helpful because you can find out if people were approved with things like bankruptcies on their credit report. Also, if there were multiple credit bureaus pulled sometimes people will report them in the comments.
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