Zero2Cool
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
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?
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wpr
  • 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:
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Trippster
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
14 years ago
I don't have any idea what ours is.....all i know is, it's bad.
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rabidgopher04
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
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.

"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.
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rabidgopher04
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
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 
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wpr
  • wpr
  • Preferred Member
14 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.


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Fan Shout
Zero2Cool (5h) : Seems some are flocking to BlueSky and leaving Tweeter. I wonder if BlueSky allows embeded lists
beast (12-Nov) : He's a review guy
Zero2Cool (12-Nov) : Jordy Nelson is still in the NFL.
Zero2Cool (11-Nov) : Ok, will do.
wpr (11-Nov) : Kevin, donate it to a local food pantry or whatever she wants to do with it. Thanks
wpr (11-Nov) : Kevin,
Zero2Cool (11-Nov) : Wayne, got your girl scout order.
dfosterf (11-Nov) : I believe Zero was being sarcastic
dfosterf (11-Nov) : Due to that rookie kicker Jake Bates that Zero said "he didn't want anyway". 58 yarder to tie the game, 52 yarder to win it. In fairness,
Mucky Tundra (11-Nov) : Lions escape with a win
Mucky Tundra (11-Nov) : and now Goff looking better
Mucky Tundra (11-Nov) : Goff with ANOTHER INT
Mucky Tundra (11-Nov) : and now Stroud throwing INTs
Mucky Tundra (11-Nov) : Goff having an ATROCIOUS game
wpr (11-Nov) : Happy birthday Corps. Ever faithful. Thanks dfosterf.
Mucky Tundra (10-Nov) : stiff armed by Baker Mayfield for about 5-7 yards and still managed to get a pass off
Mucky Tundra (10-Nov) : Nick Bosa
wpr (8-Nov) : Jets are Packers (L)East
Zero2Cool (8-Nov) : Jets released K Riley Patterson and signed K Anders Carlson to the practice squad.
wpr (8-Nov) : Thanks guys
Mucky Tundra (7-Nov) : Happy Birthday wpr!
Zero2Cool (7-Nov) : Anders Carlson ... released by 49ers
dfosterf (7-Nov) : Happy Birthday!😊😊😊
wpr (7-Nov) : Thanks Kevin.
Zero2Cool (7-Nov) : Happy Birthday, Wayne! πŸŽ‰πŸŽ‚πŸ₯³
beast (7-Nov) : Edge Rushers is the same... it's not the 4-3 vs 3-4 change, it's the Hafley's version of the 4-3... as all 32 teams are actually 4-2
Zero2Cool (6-Nov) : OLB to DE and player requests trade. Yet folks say they are same.
beast (5-Nov) : In other news, the Green Bay Packers have signed Zero2Cool to update their website πŸ˜‹ jk
beast (5-Nov) : Might just re-sign the kicker we got
beast (5-Nov) : Are there any kickers worth drafting next year?
Zero2Cool (5-Nov) : Preston Smith for Malik Willis
Mucky Tundra (5-Nov) : Getting a 7th rounder from the Stillers
Zero2Cool (5-Nov) : At least we get 7th round pick now!! HELLO NEW KICKER
Mucky Tundra (5-Nov) : Steelers getting a premier lockdown corner!
Zero2Cool (5-Nov) : Packers are trading edge rusher Preston Smith to the Pittsburgh Steelers, per sources.
Mucky Tundra (5-Nov) : Preston Smith traded to the Steelers!!!!
Zero2Cool (5-Nov) : CB Marshon Lattimore to Commanders
Zero2Cool (5-Nov) : Bears are sending RB Khalil Herbert to the Bengals, per sources.
Zero2Cool (5-Nov) : ZaDarius Smith continues his "north" tour.
Zero2Cool (5-Nov) : Let the Chiefs trade a 5th for him
Zero2Cool (5-Nov) : Nearing 30, large contract, nope.
Martha Careful (5-Nov) : any interest in Marshon Lattimore?
Zero2Cool (4-Nov) : What does NFL do if they're over cap?
Mucky Tundra (4-Nov) : They've been able to constantly push it out through extensions, void years etc but they're in the hole by 72 million next year I believe
hardrocker950 (4-Nov) : Seems the Saints are always in cap hell
Mucky Tundra (4-Nov) : Saints HC job is not an envious one; gonna be in cap hell for 3 years
Mucky Tundra (4-Nov) : Dennis Allen has now been fired twice mid-season with Derek Carr as his starting QB
Zero2Cool (4-Nov) : Kuhn let go
beast (4-Nov) : I wonder if the Packers would have any interest in Z. Smith, probably not
Zero2Cool (4-Nov) : Shefter says Browns and Lions will figure out how to get a deal done for Za'Darius Smith..
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