Zero2Cool
15 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!!!
UserPostedImage
Zero2Cool
15 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?
UserPostedImage
wpr
  • wpr
  • Preferred Member
15 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:
UserPostedImage
Trippster
15 years ago
request the credit report companies to verfy your items. that will probably get rid of anything wrong.
"Let Your Light Shine!"
Cheesey
15 years ago
I don't have any idea what ours is.....all i know is, it's bad.
UserPostedImage
rabidgopher04
15 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.
Amazing Bacon Delivery  Service! Never be without good bacon again.
Zero2Cool
15 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.

"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.
UserPostedImage
rabidgopher04
15 years ago

What's FICO?

"Zero2Cool" wrote:



They created the algorithm which takes your credit report(s) and turns it into a score.
Amazing Bacon Delivery  Service! Never be without good bacon again.
Zero2Cool
15 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 
UserPostedImage
wpr
  • wpr
  • Preferred Member
15 years ago
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.

Order your free score today! Just try our credit monitoring service for 7 days free with no obligation. You can cancel at any time. We are confident youll find it to be a valuable tool for protecting your credit, as millions of others have.


UserPostedImage
Fan Shout
Zero2Cool (2h) : The menu you expanded to log in, it's the first icon under "PackersHome" .. maybe i should add text to it
dfosterf (2h) : Feelin' pfowish can't find the sun. No big deal, will drag a laptop out when the time comes
Zero2Cool (2h) : if you're on mobile, open the menu and its the "sun" icon
dfosterf (2h) : Can't find the toggle, lol
dfosterf (2h) : I can find that the Microsoft lady rep for Titletown Tech is the philanthropy boss for the entire Microsoft corporation, but. .
Zero2Cool (2h) : There's a toggle for light/dark theme. Super easy.
dfosterf (3h) : The white background beta was hard to read, especially the quotes
dfosterf (3h) : Hopefully the color scheme remains the same
dfosterf (3h) : *Friday*
dfosterf (3h) : 100 million would be 539 million as of Fridsy
dfosterf (3h) : Heck, they could have taken a hundred milliion and invested in DAVE inc. last year (semi random, humor, but real)
dfosterf (3h) : Beer brat and ticket is where the money comes from
dfosterf (3h) : The 40th is Titletown Tech itself. This is a pet project of both Ed Policy and Mark Murphy
Zero2Cool (3h) : New site coming along nicely. The editor is better than what we have here. Oh yeah!
dfosterf (3h) : No profit that I know of. 0 for 40
dfosterf (3h) : The woke reference has to do with the makeup and oftentimes objectives of the companies they invested in
packerfanoutwest (4h) : beer and brats woke? say whom?
beast (4h) : I don't want to get into politics, but how is, beers and brats considered to be "woke"? Food is food...
beast (4h) : That being said, I'm not saying all 100% should be that way, but not surprised if majority are Wisconsin based
beast (4h) : And if everyone has heard of them, then it it probably has less growth potential and less community based
beast (4h) : Well isn't the investing person supposed to invest the money?
dfosterf (4h) : I swear if I were to discover that one of them has invented a virtue signalling transmitter I will not be surprised, lol
dfosterf (4h) : 39 companies so far that I bet no one has ever heard of.
dfosterf (4h) : -Not saying woke, but should- borderline philanthopist venture capital excercise
dfosterf (4h) : Well for one, they are pouring resources into Title Town Tech. Investing beer, brat, hot dog, ticket money into what is pretty much...
beast (11h) : Wow, 95% drop in investment revenue? Would be interesting to hear the details of why...
dfosterf (25-Jul) : It's my one day deal complaint dept. on shareholder meeting day
dfosterf (25-Jul) : Probably a homer access credential intimidation kinda thing
dfosterf (25-Jul) : Meathead "journalists" skip this, concentrating on operational revenue when convenient. They switch when net revenue is more favorable.
dfosterf (25-Jul) : Resulting in an actual drop of net revenue of 12.5%. She is from Minnesota. Just sayin'
dfosterf (25-Jul) : Any plans to hold Maureen Smith (CFO) accountable for a 95% drop in investment revenue?
Mucky Tundra (25-Jul) : In your face, HBO!
Mucky Tundra (25-Jul) : @ByRyanWood Mark Murphy: ā€œA great source of pride of mine is that we were never on Hard Knocks.ā€
Mucky Tundra (25-Jul) : *years
Mucky Tundra (25-Jul) : @mattschneidman Mark Murphy says he anticipates ā€œmany Packers gamesā€ being played in Germany, Ireland and/or the U.K. over the next 5-10 yea
dfosterf (25-Jul) : *cafeteria* I have hit my head also, so I sympathize
dfosterf (25-Jul) : Possibly hit his head leaning into the glass protecting the food in the cafateria
dfosterf (25-Jul) : Maybe a low flying drone
dfosterf (25-Jul) : Did Savion Williams run into a goalpost or something?
Mucky Tundra (25-Jul) : also, no bueno when a guy starts getting concussions right off the bat in his career
Zero2Cool (25-Jul) : Concussion is worse. Banks probably vet off day via back booboo claim
Mucky Tundra (25-Jul) : @AndyHermanNFL Jordy Nelson out at camp today. No word if he’s in play for one of the two open roster spots ; )
dfosterf (25-Jul) : Is that better or worse than Banks bad back?
Zero2Cool (25-Jul) : Savion concussion ... not good.
packerfanoutwest (24-Jul) : Aaron Rodgers’s first pass of first team period was picked off
Mucky Tundra (24-Jul) : tbh I didn't hear of his passing
Zero2Cool (24-Jul) : Cosby Show. Malcom Jamal Warner I think is real name
Mucky Tundra (24-Jul) : I was thinking of Ozzy and Hulk
Mucky Tundra (24-Jul) : Who's Theo?
Zero2Cool (24-Jul) : How is Theo alliteration?
Please sign in to use Fan Shout
2025 Packers Schedule
Sunday, Sep 7 @ 3:25 PM
LIONS
Thursday, Sep 11 @ 7:15 PM
COMMANDERS
Sunday, Sep 21 @ 12:00 PM
Browns
Sunday, Sep 28 @ 7:20 PM
Cowboys
Sunday, Oct 12 @ 3:25 PM
BENGALS
Sunday, Oct 19 @ 3:25 PM
Cardinals
Sunday, Oct 26 @ 7:20 PM
Steelers
Sunday, Nov 2 @ 12:00 PM
PANTHERS
Monday, Nov 10 @ 7:15 PM
EAGLES
Sunday, Nov 16 @ 12:00 PM
Giants
Sunday, Nov 23 @ 12:00 PM
VIKINGS
Thursday, Nov 27 @ 12:00 PM
Lions
Sunday, Dec 7 @ 12:00 PM
BEARS
Sunday, Dec 14 @ 3:25 PM
Broncos
Friday, Dec 19 @ 11:00 PM
Bears
Friday, Dec 26 @ 11:00 PM
RAVENS
Saturday, Jan 3 @ 11:00 PM
Vikings
Recent Topics
2h / Feedback, Suggestions and Issues / Zero2Cool

4h / Green Bay Packers Talk / beast

11h / Green Bay Packers Talk / beast

25-Jul / Around The NFL / Mucky Tundra

25-Jul / Green Bay Packers Talk / Mucky Tundra

25-Jul / Green Bay Packers Talk / TheKanataThrilla

25-Jul / Green Bay Packers Talk / dfosterf

25-Jul / Around The NFL / beast

24-Jul / Green Bay Packers Talk / Martha Careful

24-Jul / Around The NFL / beast

24-Jul / Green Bay Packers Talk / Mucky Tundra

23-Jul / Green Bay Packers Talk / beast

23-Jul / Green Bay Packers Talk / wpr

22-Jul / Random Babble / Zero2Cool

22-Jul / Green Bay Packers Talk / Zero2Cool

Headlines
Copyright Ā© 2006 - 2025 PackersHome.comā„¢. All Rights Reserved.