 I received a check in the mail for $2800. I was just wondering should I have just deposited it into my bank ? |
| I was just curious, because it seemed like a blessing when I received it. I am having financial difficulties right now. I was scared and did a lot of research on it and found out it was a scam. It ... |
|
 How do I get the collection calls to stop? |
| They call my cell phone at least 10 times a day. When I ask them to stop, they say they cannot control the calls. The dialing machine does it. Then I ask them to send me proof of the bill in the mail ... |
|
 My brother has really bad credit..he needs a creditcard and I helped him apply for 2 and he got denied...help? |
| Whats a creditcard out there for bad credit?? AND is it bad to keep applying and getting denied by credit companies??? How do you rebuild your credit score?... |
|
 Who knows if this is a good credit score? |
| So I had my credit checked and they said that my credit score was 630 is that good? But i have not got the whole report in the mail yet but I just wanted to ... |
|
 Can credit card companies call 20 times a day for collection? |
| Is there something I can do to stop these calls from Chase Bank? They call my cell phone 15-20 times everyday. I can't even speak to a person if I answer. It's a ... |
|
 What gives you bad credit??? |
| My boyfriend is trying to get a car on finance. He's current car is on finance also but his mum put it in her name for him to get it. He has not faulted on one payment with his current car, has ... |
|
 Did I get a good mortgage? |
30 yr fixed with a 6.58% Interest 100% Financing.
My PMI is almost $200 a month but I liked the idea of that better than emptying my savings.
Additional Details
For people who are ... |
|
 Bank charges? |
| does anyone know how to reclaim bank charges.ive been charged 11 times in the last three months of 35.00 its ... |
|
 I am worried about what a collection agency is telling me.? |
| I had a car repoed 6 years ago, and just last week i got a call from some realy rude man demanding 12k for the balance, intrest and fees. I told him i dont get it and i am not paying you and hung up ... |
|
 How can i raise my credit score? |
| i had a macys card, but didnt pay it, so they deactivated it. How am i sposed to raise my credit score, if i cant buy anything on credit?... |
|
 This loan is killing us can anyone help? |
| my husband took out a loan "two years" ago for 2000.00 from this loan place call CASH CALL he got the number off t.v. from gary colman! anyways he took the loan out for christmas so he ... |
|
 Which will improve my credit score more? |
| With my tax return money I plan to pay down my debit Which of the following will improve my FICO score the most: (1) Pay off completely ($0 balance) a store credit card (Best Buy) (2) Pay down a Visa ... |
|
 Was $2,200 in debt - Now $1100!!? |
| I was $2,200 in debt but I got a job working full time at $11.50hr. I have paid off half my debts so far, but Was forced to leave my job, due to problems with one of the supervisors and they were ... |
|
 What should happen when you pay over your monthly car payment? |
| When I say what should happen, I mean that shouldn't it come directly off the principle?... |
|
 How do I build credit? |
| I have tried to get a credit card and cant get approved, even for the ones for people with bad credit. I have two chargeoffs from almost 3 years, I know I need to pay back. I am still paying off ... |
|
|  |
darko_d1 | Is Transunion the only credit bureau that matters? |
Seriously, about a little more than 100% of all important business check your credit report from transunion. Whats the point of the other Experian and Equifax? I looked at all 3 reports and all inquiries were on transunion. |
 |
 
Casey C
|
It actually depends on which part of the country you are in. There was a time when these companies were region specific and were independant of each other. In my part of the country, Equifax provides the majority of accurate information when I pull someone's credit. Also, lenders now utilize all 3 bureaus to get a median score for you.
I would guess that you are in the middle of the US somewhere if Transunion seems to get pulled more.
These companies have done business with one bureau for a long time and the cost has remained low so they don't bother to utilize other companies due to cost. |
|
D and G Gifts Etc
|
All three credit reports are important. If you only check one you run the risk of someone opening accounts under your name without you knowing. It is best to monitor all three. It has been my experience that all 3 can contain different information. It has also been my experience that none of them are very accurate. For example Transunion has me working at a place that I have not been employed at for over 10 years. I have submitted corrections to them numerous times but nothing has changed. Experian doesn't show all of my credit and Equifax is simply a mess with personal information. Thankfully I have a credit score of 790 and none of their mistakes are affecting it. |
|
Steveo
 |
They all count. Don't think that they don't |
|
Studly
|
The agency these creditors use depends on accuracy and cost. Transunion doesn't cost that much to pull someone's report, but their information is not as up to date or accurate. Equifax is more accurate but costs a lot more, and they have more restrictions on who can pull their reports.
So by your question..."all important business's".....I would disagree. Major companies will pull all three, especially Equifax's.
Just my opinion on this though...I'm interested in seeing some other comments from people who pull for large companies. |
|
SPIFIMAN1
|
Like the first poster said a lot of it depends on where you are in the Country and where the lenders that you apply to are located.
I use 14-lenders and each one has their own default bureaus, some pull Equifax, some Transunion and a few Experian.
Most lenders go by Zip codes. |
|
aquachick
|
I work for a credit card company...there are accually four credit reporting agencies now..but the top 3 Experian, Equifax, and TransUnion are the main ones...it just depends on the company and who they use...they all say about the same stuff but Equifax and Experian have a lot more info on them...you can always pull all three for free @ www.annualcreditreport.com if at anytime you go to another site and it asks for credit card or banking info...DONT GIVE IT TO THEM ITS NOT FREE. |
|
Danny
|
I recently paid for a credit report that gave me all the information that the "Big Three" had on me.
It seemed to me that TransUnion had more accurate information about me,but Equifax showed more inquiries into my file.
That could be a problem.One credit agency had up-to-date information about me,but most creditors were looking at another agency.
If you have good credit,but can't seem to get a good rate (or even get a loan at all!) then it might be a good idea to pay for a complete credit report that shows everything that the "Big Three" have to say about you.
That way you can give a potential lender a complete picture of your credit history,assuming that said lender is pulling your credit file from only one agency. |
|
Ask M
 |
you forgot about innovis |
|
nebula7693
 |
Trans Union is the smallest of the so called "Big Three" credit reporting agencies. However, it is just as corrupt as the other two and unable to accurately produce your credit information.
NEVER TRUST ANY CREDIT REPORTING AGENCY! 80% of people's credit reports contain serious errors. 40% contain errors so serious it affects a person's ability to obtain decent financing. |
|
Dont_taze_me_bro
|
Find something else for which you can obsess. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 41 minutes(s) ago
| | | |
10 | 2 hour(s) ago
| | | |
10 | 5 hour(s) ago
| | | |
8 | 9 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
10 | 4 day(s) ago
| | | |
10 | 5 day(s) ago
| | | |
10 | 2 week(s) ago
| | | |
10 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
