Credit Report BS! · PACKERSHOME

Zero2Cool
Elite Member Topic Starter

14 years ago

So, I paid $15 for my three credit reports in good detail with my score. 563 is a bad score, but expected.

I've long been trying to remove items on my report that are not my responsibility. Good news is, it's down to one item, FINALLY.

$974.00 for Bayfield Financial LLC, who?? What?

I called them up and they have two cases for 'Kevin Dugan', I said great that's not me, fix it. They took my last four of my social and say 'we cant discuss this further as its not related to you'.

She was helpful and polite, not rude. She advised me to call Transunion (the only bureau that has it listed on mine) and tell them to investigate it and fix it.

The thing that gets me, my report claims I'm 48k in debt! That's a crock. I only owe just around 30k for my student loans and that's all I have on my report.

ARGHHH!!!

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Zero2Cool
Elite Member Topic Starter

14 years ago

How can Experian, Equifax and TransUnion give different score's for your credit?

Experian and Equifax are almost identical, but TransUnion is way different. I wonder if they check the status more often or less?

wpr
Preferred Member

14 years ago

It is my understanding that they weigh the info differently. Open accounts, revolving credit accounts, home loans, available credit and so on.

If they did it all the same there is no need for three of them. Their scoring systems are proprietary so lenders tend to use all three.

I went to free credit score . com and got the info but not my score. I saw that Transunion had stuff that the others didn't have.

My daughter got a parking ticket about 5 years ago and didn't pay it so it went to collection. I called her when the collection notice came to me and I scolded her. (The car is in my name.) That shows up on Transunion but not on the others. It ticked me off again when I saw it. 😳 I am sure that is why I don't have an 800. :facepalm:

Trippster
Registered

14 years ago

request the credit report companies to verfy your items. that will probably get rid of anything wrong.

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Cheesey
Preferred Member

14 years ago

I don't have any idea what ours is.....all i know is, it's bad.

rabidgopher04
Member

14 years ago

The only score that matters is FICO. You can obtain that score for free from myFICO.com. Just sign up for their 30 day free trial and cancel before the 30 days. Also, you can get a free detailed credit report from each of the 3 bureaus once per year from annualcreditreport.com (federal law).

Also, I just found out recently that if you file a fraud alert with the credit bureaus (I lost my wallet and I wanted to protect myself in case someone else found it before I did) that they will provide you with a detailed credit report.

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Zero2Cool
Elite Member Topic Starter

14 years ago

"rabidgopher04" wrote:

What's FICO?

request the credit report companies to verfy your items. that will probably get rid of anything wrong.

"Trippster" wrote:

That's what I did with TransUnion, I explained this is a battle I've been attacking since '04 and I was done picking this and that one and I wanted them all re-checked. There's 22 items listed on mine. I only know for sure that one of them is not mine, but if they drop a few others, I won't complain.

rabidgopher04
Member

14 years ago

What's FICO?

"Zero2Cool" wrote:

They created the algorithm which takes your credit report(s) and turns it into a score.

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Zero2Cool
Elite Member Topic Starter

14 years ago

Anyone ever used this site? It's supposed to give you your score, for free.

https://secure.creditreport.com/rt/index0322.aspx?src=vcck&cid=546&tid=122914277&kwd=eml

wpr
Preferred Member

14 years ago

#10

I have not. I thought it was "free" if you signed up for the monthly program. But it has been a year or so since I looked at it. And maybe that was some other site.

edit-
yep you have to subscribe to their service which is free for 7 days not 30.

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Mucky Tundra (17h) : Yeah where did it go?

packerfanoutwest (23h) : or did you resctrict access to that topic?

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Zero2Cool (10-Feb) : Tua’s old DC won a Super Bowl Year 1 with Tua’s former backup

Mucky Tundra (10-Feb) : *winning MVP

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Zero2Cool (10-Feb) : NFL thought it would get more attention week preceding Super Bowl.

Zero2Cool (10-Feb) : Yes, the Pro Bowl. It was played Sunday before Super Bowl from 2010-2022

packerfanoutwest (10-Feb) : pro bowl

Zero2Cool (10-Feb) : From 2010 to 2022, it was played on the Sunday before the Super Bowl

Zero2Cool (10-Feb) : They moved it to the BYE week before Super Bowl several years ago.

packerfanoutwest (10-Feb) : it was always after the SB.....

beast (10-Feb) : Though I stop following pro bowl years ago

beast (10-Feb) : I thought the pro game was before the Super Bowl?

packerfanoutwest (10-Feb) : ok now for the Pro Bowl Game in Hawaii

TheKanataThrilla (10-Feb) : If I was Philly I would try to end it instead of punting it

Mucky Tundra (10-Feb) : VICTORY! We have (moral) victory!

TheKanataThrilla (10-Feb) : Hey they mentioned that we 3-peted

Mucky Tundra (10-Feb) : seems to me the 49ers should have traded Aiyuk when they had the chance

Mucky Tundra (10-Feb) : if the Eagles get it down to the 1, do they Tush Push or give it to Barkley?

TheKanataThrilla (10-Feb) : 49ers have a money problem if they want to sign their QB

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Zero2Cool (10-Feb) : 49ers gonna trade Deebo. Interesting

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TheKanataThrilla (10-Feb) : Great throw by Hurts

Mucky Tundra (10-Feb) : Where Carter falls prey to bad off the field influences (to be clear, not saying he'd clip someone though)

Mucky Tundra (10-Feb) : Had Carter not gone to Philly were they already had a lot of old college friends, he ends up in a similar spot to Aaron Hernandez

Mucky Tundra (10-Feb) : I think some of his coaches told scouts to stay away

Mucky Tundra (10-Feb) : the street racing incident+conditioning and motivation problems

beast (10-Feb) : Then Carter was street racing, where the other car crashed and people died... and other teams were scared to pick Carter for some reason

beast (10-Feb) : I think the Saints traded up, giving their next year 1st to the Eagles, and then they sucked and Eagles got the 10th overall pick

packerfanoutwest (10-Feb) : wtf Barkley?

TheKanataThrilla (10-Feb) : Getting Carter and Nolan Smith in the first round in 2023 was pretty darn good

Mucky Tundra (10-Feb) : for some reason i'm thinking of a draft where the Eagles where in the mid 20s and a top player fell all the way to them

TheKanataThrilla (10-Feb) : I think so. I would need to look it up. Think it may have been Carolina's pick.

Mucky Tundra (10-Feb) : i'm not sure who i'm thinking of now

Mucky Tundra (10-Feb) : oh fuck me i messed that up

Zero2Cool (10-Feb) : Jordan Davis was 13th overall

Zero2Cool (10-Feb) : Carter was 9th overall

Zero2Cool (10-Feb) : Eagles had 15th and 10th selections, moved to 13 and 9 to get Davis and Carter back to back

Zero2Cool (10-Feb) : Eagles traded up for Carter, didn't they?

Mucky Tundra (10-Feb) : Obviously he was a huge risk but getting a top 5 talent on the dline in the mid 20s is fortuitous

Mucky Tundra (10-Feb) : Jalen Carter falling into their lap certainly helps

TheKanataThrilla (10-Feb) : And we could only wish to have this type of D

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packerfanoutwest (10-Feb) : another crap halftime show

TheKanataThrilla (10-Feb) : I think it is over, but then I think of Atlanta and want Philly to go in with the same intensity in the second half

Mucky Tundra (10-Feb) : And with a Pass Rush that might as well be on a milk cartoon and no Jaire

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