 I have $6,000 in credit card debt, what's the best thing to do? |
| I can't get a loan because I don't have any collateral. What' the best thing I can do? Should I get a balance transfer or is there any way I could get my credit card company to lower ... |
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 Credit history? can i pay a company to fix it? |
| Is it possible to pay a company to remove bad credit listings on my credit rating?... |
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 How can you get a checking account when your credit information says checking account abuse? |
| Okay this wasn't my fault but we had a joint account and we where hurting financially and my husband NOT me wrote some bad checks. We payed off the account and all the fees but now when I tried ... |
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 Is it Illegal? |
| I have heard that you can contact creditors and make "pay to remove" arrangements with them by a lot of different sources but when I went to contact the creditor at first the acted as if ... |
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 Why file for bankruptcy when your credit rating is already bad by not paying up in the first place? |
| Example: am in debt of £6,000 for about 6 years now, i keep getting letters saying i must pay for 6 years now, but i know my credit rating is bad so what difference wud filing for bankruptcy make, ... |
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 What should i do get a loan or a credit card? |
I need about 800-1200 ASAP to pay off college buy books and other things.
what can i do to get the money fast with less fees ect.
what do you ... |
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 I am very frustrated, I cannot purchase a home because of my credit scores.? |
| My credit score is in the low 500s. Everybody is telling me I have to have a 620 before they will even consider me for a loan to purchase a house. I pulled my credit report and I have starting ... |
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 Credit cards for poor credit unsecured? |
My husband and I are looking for a credit card for poor credit. We want to use it to rebuild our credit and were told the best way to do it was to get a credit card...
Thank you for real leads, ... |
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 What is the best credit card option for college students? |
| I'm very concerned about my building my credit and I was interested in applying for a credit card with a great rate and a very low spending limit. (I'm intending on just using it for gas or ... |
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 My bank manager has requested to see me? |
| No doubt he wants to borrow some more money. When I last loaned him money, I told him that it was not 'normal' and he said the bank do it all the time - they lend money to people who can... |
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 Which credit card is the best for transferring over balances ? |
| I was looking to change my credit card so I could be interest free for a year, however I was wondering if there was a limit to how much money you can transfer and any costs?... |
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 How is everyone coping with the credit crunch? |
| I am finding that as a college student that prices of food is really expensive and travelling costs are rising so i do tend to walk more these days as i need the money. I find that shopping for ... |
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| Will it be difficult to buy a home if i have excellent credit and not have a job.? |
| i hate my job and i like to quit. but i also want o buy a home in the next six months . need ideas on how to make this work for me.... |
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 Can someone buy a house without owning a credit card? |
I heard that in order to get a mortgage, you need to have a credit card (not for buying, but for the credit). Is it true?
Additional Details
but that's what i mean, is it possible ... |
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 Old Debt collection? |
| I received a letter from a debt collector about an old debt... from about 1999-2000. I believe it should be dropped from my credit report by now but the letter says they have just purchased the debt ... |
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CC | Will different FICO scores be reported from the 3 different credit bureaus? |
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 |
 
phillipus_rex
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You will find three different FICO scores. Some here have mentioned that lenders usually take an average of the scores or have one institution that they prefer to take scores from. However, if you are trying to get a loan and you fear that your credit may be a bit sketchy, than you may find out which of the bureaus has your most favorable FICO score and then request that they consider that agency when calculating your ability to repay the loan. |
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paly33
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Yes, the different agencies will report different numbers. While they all use basically the same information, they calculate the data differently. |
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Diane D
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Yes, I just applied for a mortgage and got 3 different numbers. The mortgage company used the middle number. |
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Daniel R
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Yes, each has their own FICO "score", but all are basically the same product tailored for them by FairIsaac. They even have different names for their products. |
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Me and my shadow
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Yes. |
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Robert J
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Yes if the agency pulling the credit report asks for them. Some creditors favor one credit service over another. Does that help. You can also get one free credit report per year from the three agencies as part of the Fair Credit Reporting Act. |
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retard
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absolutely- actually having the same fico on all three is almost never the case, since they all have slightly different ways of calculating it and some businesses only report to one or two of them. |
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Kipper
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All three of the major credit bureaus will come up with a different FICO score, for any given individual. This is because all three of the major credit bureaus, use different formulas, to come up with your FICO score. If two of the three credit bureaus, should come up with the same exact FICO score, for a given individual, it would be a coincidence. |
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James H
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Yes, the three credit bureaus are equifax, transunion and experian. All three have variables that determine your credit score. Rarely are the numbers the same. Most financial institutions take an average score or the middle score to determine your credit eligibility. |
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Ingrid
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the usually take them from experian, but if U wanna get a free one go to www.eloan.com to to the top menu pull down menu..free fico score...sign up and try you're whole family..its the only one for free on the Internet... |
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john.janney
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Yes. Each credit bureau has its own version of the FICO formula for calculating scores. But this is not the only reason FICO scores differ between bureaus. The other reason is that not all creditors report to all bureaus. For example:
Imagine that you have overdue books from your local library, and fail to pay the overdue fees. Your library has a policy of reporting non-payment of overdue fees to Experian, but not to Equifax or TransUnion. In this scenario, your score may be lower with Experian because of the negative item reported by your library while your score with Equifax and TransUnion may be higher because your library did not report your non-payent to these two bureaus. |
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