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It is because there are others with same name, initials, etc and they only pull by name most of the time. There are those who don’t do their jobs but on the surface for a paycheck. They never learned customer service because a lot of them treat you as if you are wrong and they are always right. Sometimes supervisors are no different. Legal action may be the only way to resolve. It is your life they are messing with and you must protect yourself.
Most of them will eventually make it to your credit reports if you refuse to or cannot make your payments. It goes without saying that most of your traditional credit goes on your credit reports; auto loans, mortgages, credit cards, student loans and retail store cards. The following are some “non traditional” types of credit that don’t make it to your credit reports: utilities, cellular phone service and doctor’s bills. These credit items generally won’t show up on your credit reports unless you stop paying them. Once you stop paying them they’ll likely be sold off to third party collection agencies that will most definitely report them on your credit files. It may take a while, but eventually most will end up on your credit reports.
In India, there are four credit information companies licensed by Reserve Bank of India. The Credit Information Bureau (India) Limited (CIBIL) has functioned as a Credit Information Company from January 2001.[13] Subsequently, in 2010, Experian,[13] Equifax[14] and Highmark[15] were given licenses by Reserve Bank of India to operate as Credit Information Companies in India.
Inquiries note when someone has obtained your credit information. There is nothing that indicates whether you were approved or rejected for credit at that time. Some inquiries can affect your credit scores, but not all of them do. Soft inquiries generally aren’t seen by anyone except the consumer and usually won’t affect your credit scores. Here are some examples.
New credit scores have been developed in the last decade by companies such as Scorelogix, PRBC, L2C, Innovis etc. which do not use bureau data to predict creditworthiness. Scorelogix's JSS Credit Score uses a different set of risk factors, such as the borrower's job stability, income, income sufficiency, and impact of economy, in predicting credit risk, and the use of such alternative credit scores is on the rise. These new types of credit scores are often combined with FICO or bureau scores to improve the accuracy of predictions. Most lenders today use some combination of bureau scores and alternative credit scores to develop better understanding of a borrower's ability to pay. It is widely recognized that FICO is a measure of past ability to pay. New credit scores that focus more on future ability to pay are being deployed to enhance credit risk models. L2C offers an alternative credit score that uses utility payment histories to determine creditworthiness, and many lenders use this score in addition to bureau scores to make lending decisions. Many lenders use Scorelogix's JSS score in addition to bureau scores, given that the JSS score incorporates job and income stability to determine whether the borrower will have the ability to repay debt in the future. It is thought that the FICO score will remain the dominant score, but it will likely be used in conjunction with other alternative credit scores that offer other pictures of risk.
Placing a credit freeze allows you to restrict access to your credit report. This is important after a data breach or identity theft when someone could use your personal information to apply for new credit accounts. Most creditors look at your credit report before opening a new account. But if you've frozen your credit report, creditors can't access it, and probably won't approve fraudulent applications.

If I shop around for a balance transfer credit card, my score will get crushed: FALSE! If your score does decline, it probably will not decline by much. You can expect 10-20 points per credit application. But, remember: you apply for a balance transfer to help reduce your balance faster. When you open a new credit card and transfer your balance, then you will be able to:


Credit Scoring in the United Kingdom is very different to that of the United States and other nations. There is no such thing as a universal credit score or credit rating in the UK. Each lender will assess potential borrowers on their own criteria, and these algorithms are effectively trade secrets. "Credit scores" which are available for individuals to see and provided from Credit Reference Agencies such as Call Credit, Equifax and Experian are the result of marketing departments at credit agencies realising they could sell a product to consumers and are not used by lenders. Lenders instead use their own internal scoring mechanism.
When the investigation is complete, the credit reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report.) If an item is changed or deleted, the credit reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

In Norway, credit scoring services are provided by three credit scoring agencies: Dun & Bradstreet, Experian and Lindorff Decision. Credit scoring is based on publicly available information such as demographic data, tax returns, taxable income and any Betalingsanmerkning (non-payment records) that might be registered on the credit-scored individual. Upon being scored, an individual will receive a notice (written or by e-mail) from the scoring agency stating who performed the credit score as well as any information provided in the score. In addition, many credit institutions use custom scorecards based on any number of parameters. Credit scores range between 300 and 900.


AnnualCreditReport.com is the only federally mandated and authorized source for obtaining a free credit report. The Federal Trade Commission cautions consumers to be aware of "impostor" websites that have similar names or are deliberate misspellings of the real name.[2] Such impostor websites include websites with titles like FreeCreditScore.com.[5]
There are, however, some key differences. One is that, unlike in the United States, where a consumer is allowed only one free copy of their credit report a year, in Canada, the consumer may order a free copy of their credit report any number of times in a year, as long as the request is made in writing, and as long as the consumer asks for a printed copy to be delivered by mail.[10][11] This request by the consumer is noted in the credit report as a 'soft inquiry', so it has no effect on their credit score. According to Equifax's ScorePower Report, Equifax Beacon scores range from 300 to 900. Trans Union Emperica scores also range from 300 and 900.
If your teen is ready for their own card, a secured credit card is a good place to start.  A secured card is similar to a traditional “unsecured” card, except it requires a security deposit to access credit. Your teen can build credit by charging a small amount each month to their secured card and paying it off in full and on time each month. They can eventually upgrade to an unsecured card, and we’ll explain how below.

The amount of credit you owe also affects your credit score in a big way. If your credit-to- debt ratio (how much you owe compared to your available credit) is low, your credit score will benefit, since it illustrates that you don’t rely too much on credit. You can figure out your utilization rate by dividing your total credit balances by your total credit limits.

Developing your credit score comes naturally as a result of building your credit history. You’ve heard the saying “if you build it they will come?” It applies to credit scoring as well. If you build your credit history then your score will come shortly after followed by more creditors that will want your business. The credit scoring models are looking for two things before they will “score” your credit files: age and activity. For some credit score models, you must have at least one account that is greater than 3 to 6 months old and at least one account that has been reported to the credit bureaus within the last 6 to 12 months. The same account can qualify you for a score. So, a credit report with one account open for 9 months that has reported to the credit bureaus within the past 30 days will qualify for a score. Once you’ve built a score, the challenge is to maximize it.

You’ve decided to take the plunge and review your credit reports. (Good call. Credit impacts so many aspects of our lives. It’s important to know where you stand.) The first part — getting your free credit report — should be easy. Just hop over to AnnualCreditReport.com and request them online, by telephone or by mail. Once you have them, the fun begins. You get to read and try to understand all the information the three major credit bureaus have compiled about you. That may seem daunting at first. After all, most reports consist of pages and pages of information. But there are ways to keep your eyes from crossing.
Having fair credit means that you have some work to do in order to get yourself back into good financial shape. It is imperative to take steps now to prevent any additional damage to your credit report, and get back on the road to good financial health. By reducing credit card debt, ensuring that you get your bills paid on time every month, and paying off any open collections, your credit score will move enough during the next three to six months to get you back into the realm of a good credit rating.
The Capital One® Secured Mastercard® offers qualifying cardholders a lower security deposit compared to other secured cards. You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness. Typical secured cards require you to deposit an amount equal to your credit limit, so this card has added perks for people who qualify for the lower deposits.You can also receive a credit limit increase without making an additional deposit after making your first five monthly payments on time. This is beneficial for people who need a higher credit limit and don’t want to (or can’t) tie up their money in a deposit. Also, this card comes with a credit resource center — which is available to everyone — and Platinum Mastercard® benefits that include travel accident insurance and price protection.
Secured cards are a great way to build or improve credit. When you open a secured card, you submit a security deposit that typically becomes your credit limit. This deposit acts as collateral if you default on your account, but you can get it back if you close your account after paying off your balance. As long as you use a secured card responsibly — for example, make on-time payments and use little of your available credit — you may see improvements in your credit score. Unfortunately, in addition to the upfront deposit, this credit-building tool can have extra costs, like an annual fee.
When you know the kinds of activities in your credit that can affect your scores, you can work to take better care of your credit, too. Things like late payments, liens or bankruptcies all have varying levels of impact in your credit scores since they're reflected on your credit report, too. Getting familiar with your credit report can help you see the impact these kind of events can have in your credit.
One common source of confusion is the names of companies found in the accounts and/or inquiries sections. This happens because the name of the business checking or reporting credit may be different from the name of the business you think you’re dealing with. (Your airline rewards credit card, for example, isn’t likely to be listed under the airline’s name; it will appear under the issuer’s name.)
Credit scores can change once a week for some and not at all for months (or even longer) for others. It usually takes specific changes to your credit information for your score to move, and once these changes occur, it could take some time for your credit report to reflect your new status. Due to this fact, you may want to consider tracking your credit score over longer periods of time. While the fact that your credit score hasn’t moved in a few months might seem concerning, it will likely seem less so in the context of a sixty-point improvement over an entire year.
If your credit score is between 750 and 800, you have a long and distinguished credit history that shows a responsible payment history and the ability to handle multiple types of credit responsibly. As a matter of fact, for the most part, you are regarded in the same standard as borrowers with excellent credit history, with the exception that you may have a higher debt-to-income ratio.
A: If an investigation doesn’t resolve your dispute with the credit reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the credit reporting company to provide your state­ment to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.
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