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how much, if at all, does a credit score go up if a disputed item is removed?

April 11th, 2012 by admin | 6 Comments | Filed in Free Experian Credit Score

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I’ve gotten my free annual credit report from each of the three reporting agencies, and found some inaccurate items. I’ve disputed the items with each agency and Trans-Union has since removed them. I’m still waiting to hear back from Experian and Equifax. My question is, how much does a credit score go up, if at all, when the disputed items are removed?

Technorati Tags: annual credit report, credit score, equifax, experian, free annual credit report, trans union

Tags: annual credit report, credit score, equifax, experian, free annual credit report, trans union

What are your free credit scores ?

July 12th, 2011 by admin | 2 Comments | Filed in Free Experian Credit Score

Im interested in seeing how others free credit scores vary compared to mine.

I use Credit Karma, Quizzle and Credit Sesame.

My scores are :
CK-Transrisk =692 (59%)
CK Auto Insurance score =870 (66%)
CK Vantage = 874 (78%)
Credit Sesame= 702 (Experian)
Quizzle= 686

Whats interesting to me is the wide range in % scores between my transrisk and my Vantage score. 59% to 78% is pretty large.

I have never PAID for my credit score and doubt I ever will.

I anticipate my scores increasing soon as I work to remove a "released" tax lien.
My CK score was 773 prior to the tax lien. When they released the tax lien, I only increased from 681 to 692 so Im hoping that when it gets withdrawn my score will increase back to the 770 range.

If you know your scores, please post them for comparison purposes.
I wouldn’t pay even for my real fico score.

Im sure these fake ones are close enough for me.

Especially since I have no need or desire for more debt except maybe another rewards credit card if a good one came along.

I already get 5% back on gas year round & many other purchases which vary quarter by quarter.

And Im not at all worried or nervous about the scores. Just interested in the variances and how they change over time.

In the last month, my Auto Insurance score dropped about 10 points and my Vantage score went up about 12 points. for no obvious reason.
Ones score is NOT on the credit report that consumers see/

Technorati Tags: 686, amp, auto insurance, comparison purposes, consumers, credit card, credit report, credit score, desire, fico score, free credit scores, insurance, quizzle, quot, rewards, tax lien, vantage score, variances

Tags: 686, amp, auto insurance, comparison purposes, consumers, credit card, credit report, credit score, desire, fico score, free credit scores, insurance, quizzle, quot, rewards, tax lien, vantage score, variances

What is Yahoo Beta Lottery Prize ?

June 30th, 2011 by admin | 4 Comments | Filed in Free Experian Credit Score

From:"YAHOO INTERNATIONAL LOTTERY INC" <l_a_u_6@hotmail.com> Add to Address BookAdd to Address Book Add Mobile Alert
Subject:CONGRATULATIONS, YOUR EMAIL WON!!!
Date:Sat, 17 Feb 2007 17:04:02 +0000
YAHOO! MAIL
My Yahoo!AWARD

This is to inform you that you have won prize money of ONE MILLION US DOLLARS (,000,000.00) for the YEAR 2007 Lottery promotion, which is organized by YAHOO LOTTERY INC for the introduction of the new YAHOO BETA MAIL, which all YAHOO users are required to switch onto.

YAHOO! & MICROSOFT WINDOWS, arranged and gathered all the e-mail addresses of the people that are active online, among the millions that subscribed to All email Addresses, and others we only select Nine (9) candidates annually as our winners through Electronic Balloting System (EBS) without the candidates applying, we congratulate you for being one of the people selected.

PAYMENT OF PRIZE AND CLAIM

Your Payment Approval File was sent to African and European continent only due to the fact that more winners emerged from their .You are to contact our Location Claim Agent on or before your date of Claim.

Yahoo Beta Lottery Prize must be claimed not later than 21 days from date of Draw Notification after the Draw date in which Prize has won unless otherwise.

Note: Any prize not claimed within this period (21days) will be forfeited unless where necessary.

These are your identification numbers:

Batch number…………………YBM-EBS-360AF
Ref number……………………YBM-EBS-710AF
Winning number……………YBM-EBS-718AF

These numbers above fall within the agent’s Location file, you are requested to contact your Agent and send your Identification Numbers and Personal Information to him.

REV. FR.ROBERT DONALD at his email:

E-mail: rev_d_r_2006@yahoo.co.uk
TEL: +447045709082

You are therefore advised to send the following information to him to enable him facilitate the process of transfer of your fund with the appointed paying bank.

Send your Identification Numbers/Your Personal Information to him immediately:

Personal Information
1. Full name…………….………………….
2. Country………………………………….
3. Contact Address…………………….
4. Telephone Number…….………………
5. Marital Status………………………..
6. Occupation…………….………………
7. Age…………………..………………
8. Sex…………………..…………………..

9. Means For Transfer of Prize Payment to winners.

(a) International Certified Bank Draft.
(b) Account Transfer.

If Account Transfer writes provide all your banking details to the paying bank or your agent

Congratulations once again.
Yours in service,

Yahoo! UK & Ireland
We hope you’re enjoying your new Yahoo! Mail account.
Now take the next step and claim your money and say thanks to Yahoo!.
You select how to transfer the prize money to you:
Cheque Delivery To Your Address
Bank Account Transfer
Diplomatic Means
NOTE: NOBODY WILL TOUCH YOUR PRIZE FOR ANY REASON AND AN AFFIDAVIT OF FACT AND CLAIM WILL BE PRESENTED TO THE BANK BY THE COURT BEFORE THE BANK CAN RELEASE YOUR PRIZE.
See what’s happening on Yahoo.com today. Do you Yahoo!?
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If you have questions or wish to claim your prize money kindly contact this email,
rev_d_r_2006@yahoo.co.uk see the instructions at the body of this message.
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The average US Credit Score is 675. The cost to see yours: {content} by Experian.

Technorati Tags: 17 feb, balloting system, batch number, e mail addresses, ebs, email addresses, european continent, international lottery, lottery prize, payment approval, prize money, ref number, rev fr, uk tel, winning number, yahoo beta, yahoo co uk, yahoo international, yahoo mail, yahoo users

Tags: 17 feb, balloting system, batch number, e mail addresses, ebs, email addresses, european continent, international lottery, lottery prize, payment approval, prize money, ref number, rev fr, uk tel, winning number, yahoo beta, yahoo co uk, yahoo international, yahoo mail, yahoo users

Please review this and let me know what you think? :)?

June 26th, 2011 by admin | 4 Comments | Filed in Free Experian Credit Score

I am applying for my first Studio, its a low income housing complex that has a very intense screening process. They pull your credit report and it has to be at 650 or higher (Im at like 653 w/ Experian- but I dont know what bureau they use that might make my score a little lower. A coworker has suggested turning in a friendly statement of facts along w/ a copy of my experian report explaining any points they may possibly view as negative.

Please read the below and let me know if you think its too much? Its okay? Any advice much appreciated!

********************************************************

This is my personal statement regarding any possible negative points of my credit report in further detail.

Possible Negative Point 1- Large amount of money owed in total:
This is for one reason only and that is my student loan amount. I attend a private nursing school and have needed to take out a US Dept of Education loan on the tuition cost. I have been paying back interest that may be building up here and there, but the large amount of money I owe is due entirely to student loans. These are government funded loans and I am not scheduled to begin paying these back until 6 months after my graduation date.

My auto loan remaing balance is under 00, and per my credit report you can see that it will be paid off in full with 3 more months of regular payments.

Possible Negative Point 2- Low Credit Limit on Revolving Credit Card, and amount owed closer to the total limit:
I recently had a emergency large ticket item on my vehicle and had to turn to my credit card to help pay for the repair. Per my credit report you should see that I have only been over the limit once by error but have maintained this credit card in good standing and most often with very low balances since I received it when I turned 18 in 2006.

Things I would like to be considered:
I am 22 years old and am currently bulding my credit. I have never taken on a financial responsibility I wasn’t able to handle and my credit report should reflect that as well. I had a ,000 car loan that I obtained in May 2008 set to last for 4 years. Through timely payments and extra payments I will be done with this loan much ahead of schedule by the end of 2010.

I have also attached a copy of my Experian Credit Report in full detail as I obtain those free with a monthly subscription in case your source of credit reports don’t provide enough detail to support my facts above.

I appreciate you taking time reviewing my statement. I would very much like to be approved for this apartment and therefore felt the need to point out the reasons for any possible negative point of my credit report in further detail.

"My Name"

Technorati Tags: 22 years, amount of money, auto loan, coworker, credit report, dept of education, experian, financial responsibility, graduation, intense screening, low income housing, personal statement, private nursing school, revolving credit, score, student loan, student loans, tuition cost, us dept of education, us dept of education loan

Tags: 22 years, amount of money, auto loan, coworker, credit report, dept of education, experian, financial responsibility, graduation, intense screening, low income housing, personal statement, private nursing school, revolving credit, score, student loan, student loans, tuition cost, us dept of education, us dept of education loan

Freecreditreport.com vs truecredit.com?

June 22nd, 2011 by admin | 4 Comments | Filed in Free Experian Credit Score

Hi, I am an 19 year old college student and I don’t know much about credit lol. I had a credit card for a year now and i havent missed a payment but my balance is higher than it should be considering my limit. I never went over my limit but again, my balance could be lower. Last month my experian score was 694. Enough about me…I have been a member of freecreditreport.com for just about a month now. I got an offer to get the 3 credit reports from truecredit.com for free for 30 days. I plan on canceling it soon but I have encountered an issue of sorts. I got the 3 scores and accoring to truecredit.com my Experian score is 638. Interestingly enough, I just re-ordered/refreshed my credit report at freecreditreport.com and its showing that I have a score of 704(=D). So can someone tell me why is this so? I really hope my score is 704 and not 638 but I don’t know which score/website is more accurate. Can someone please clear this up for me? Thank you for helping me with my credit ignorance!
Just in case anyone was wondering my exquifax and transunion scores were both 649 according to truecredit.com.

Technorati Tags: credit card, credit report, credit reports, exquifax, score, sorts, transunion

Tags: credit card, credit report, credit reports, exquifax, score, sorts, transunion

Where can I get a REAL credit score that's not a scam?

June 18th, 2011 by admin | 5 Comments | Filed in Free Experian Credit Score

I ran my credit score on free credit report.com and it gave me a 421, which I know is true. However, all of these bad marks came before I was even 18 from my parents. I’ve gotten them taken off of my Experian credit report, but as I’m told you have THREE credit scores, so maybe I have to get that stuff taken off of all three of them. Now, I’ve done a little research and the general consensus is that freecreditreport.com and freecreditscore.com seem to both be scams. Is there anywhere where I can ACTUALLY get my credit scores without being scammed out of a bunch of money??

Technorati Tags: consensus, credit report com, credit score, credit scores, experian credit report, free credit report, free credit report.com, money, parents, scams

Tags: consensus, credit report com, credit score, credit scores, experian credit report, free credit report, free credit report.com, money, parents, scams

Why was I denied and American Express Blue Cash card?

June 14th, 2011 by admin | 2 Comments | Filed in Free Experian Credit Score

Thank you for your recent application for the Blue Cash SM from American Express. After reviewing your request, regrettably, we are unable to open an account for you at this time for the following reason(s):

Your American Express Acquisition Risk Score is too high (See below)

Your application was processed using our American Express Proprietary Acquisition Risk Scoring System which assigns a numerical value to the various items of information we consider in evaluating an application. Your application’s total score exceeded our threshold for approval at this time. Listed below are the reasons that you did not score well compared with other applicants. (For reasons based on information in a credit report, the name of the consumer reporting agency is identified.)

Number of trades (Experian)

Amount of credit available on accounts (Experian)

Ratio of your card account balances to your income is too high, or cannot be determined(Experian)

Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency(ies) listed in this letter. Please understand that the reporting agency(ies) played no part in our decision and cannot supply you with specific reasons why we denied credit to you. You have a right under the Fair Credit Reporting Act to obtain a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. If you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.

An important notice concerning your rights is included. The creditor is American Express Centurion Bank.

It has been our experience that applicants who do not meet our basic requirements at one time may qualify later on. We invite you to submit a new application at a later date when your circumstances have changed.

Thank you for your interest in our service.

Sincerely,

Robert Garinger

Business Leader New Accounts

Now anyone who can tell me why I was denied? It clearly states it but I want to know MORE about it. And Im going to send a copy of it to experian so I can get a report from them. I know my credit is good. No bad marks whatsoever. I’m blaming it on the credit crisis! =D lol oh well. I’ll live.

Technorati Tags: account balances, acquisition, american express, american express centurion, american express centurion bank, consumer reporting agency, credit decision, credit report, credit reporting act, creditor, fair credit reporting act, ies, important notice, new application, numerical value, risk score, scoring system, sm, threshold, trades

Tags: account balances, acquisition, american express, american express centurion, american express centurion bank, consumer reporting agency, credit decision, credit report, credit reporting act, creditor, fair credit reporting act, ies, important notice, new application, numerical value, risk score, scoring system, sm, threshold, trades

Experian charged me $14?! How do I get a refund?

June 11th, 2011 by admin | 6 Comments | Filed in Free Experian Credit Score

I pulled my credit report and score a few weeks ago from Experian because I was going to buy a new vehicle. All I saw was being charged to view my report (which I think is complete bull, people should be able to view their credit report and score and monitor it as often as they want FOR FREE) and somehow those jerks charged me and some change. I don’t remember seeing anything about a charge, and didn’t notice it until a week ago because I don’t use my checking account very often, so I don’t look at it every day. I finally had time to call them today to get that charge refunded and the guy in India was a complete prick and said I agreed to this charge and that because I didn’t request a refund in 9 days, I can’t get a refund now.

I think this is BULL. It’s a sneaky way to get money from people, I bet tons of people are duped by this. I don’t care what I supposedly agreed to, I feel I should be able to get that back. I know it’s only but it’s the principal of the fact now.

Has anyone had this experience and how did you get them to give you your money back?

Technorati Tags: checking account, credit report, experian, i don t care, india, jerks, money, prick

Tags: checking account, credit report, experian, i don t care, india, jerks, money, prick

can somebody edit my formal letter?

June 6th, 2011 by admin | 1 Comment | Filed in Free Experian Credit Score

I3 8.13 BA-205

November 9, 2008

Becky Peniccia
1402 Olive Avenue
Mesa, AZ 85301

Dear Ms. Pennicia,

Thank you for choosing Gold’s Gym and your genuine interest towards fitness and a healthful lifestyle. Because of your desire to get Extended Membership, I reviewed what I could do to meet your best satisfaction.

For Extended Membership, they are qualified to get involved in multi service program. But this program is expensive for our club to maintain because of the huge staff require. For us to maintain, we require all the applicants have a solid credit rating to join. I have researched your credit score and found out it did not meet our requirement.

Even though you are not qualifying for Extended Membership, I would like to offer you a Drop In and Work Out plan. It offers use of available facilities on a cash basis and enables a member to reserve space on the racquetball and handball courts. You can also sign up for yoga and exercise classes, space permitting.

For other suggestions, I would like to suggest making an inquiry to the credit reporting company Experian because you are eligible to get a free credit report.

Please contact me if you are interested in our program and have any other questions. I appreciate your business.

Thank you,

Technorati Tags: ba, cash basis, credit rating, credit score, desire, exercise classes, experian, fitness, free credit report, genuine interest, gold, handball courts, healthful lifestyle, mesa az, racquetball, satisfaction, yoga

Tags: ba, cash basis, credit rating, credit score, desire, exercise classes, experian, fitness, free credit report, genuine interest, gold, handball courts, healthful lifestyle, mesa az, racquetball, satisfaction, yoga

how to get my credit history report for free?

June 3rd, 2011 by admin | 7 Comments | Filed in Free Experian Credit Score

I have bad credit and need to know everyone whom turned me into collections so I can restore my credit.I went to experian,Equifax,and transunion but they told me that they couldn’t give me any info.How do i find out who all the creditors i owe money to. also how do i get my credit score for free.without having to sign up for something.help

Technorati Tags: bad credit, collections, creditors, equifax, experian, how do i get my credit score, money, transunion

Tags: bad credit, collections, creditors, equifax, experian, how do i get my credit score, money, transunion

Archive for the ‘Free Experian Credit Score’ Category

how much, if at all, does a credit score go up if a disputed item is removed?

What are your free credit scores ?

What is Yahoo Beta Lottery Prize ?

Please review this and let me know what you think? :)?

Freecreditreport.com vs truecredit.com?

Where can I get a REAL credit score that's not a scam?

Why was I denied and American Express Blue Cash card?

Experian charged me $14?! How do I get a refund?

can somebody edit my formal letter?

how to get my credit history report for free?

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