three bureau credit report » Equifax http://three-bureau-credit-report.com answers to how credit bureau reports work Fri, 03 Feb 2012 15:51:10 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Q&A: Recently I disputed a negative item on Experian CR and they deleted? How to get it deleted from Equifax & TRAN http://three-bureau-credit-report.com/experian/qa-recently-i-disputed-a-negative-item-on-experian-cr-and-they-deleted-how-to-get-it-deleted-from-equifax-tran/ http://three-bureau-credit-report.com/experian/qa-recently-i-disputed-a-negative-item-on-experian-cr-and-they-deleted-how-to-get-it-deleted-from-equifax-tran/#comments Fri, 03 Feb 2012 15:51:10 +0000 admin http://three-bureau-credit-report.com/experian/qa-recently-i-disputed-a-negative-item-on-experian-cr-and-they-deleted-how-to-get-it-deleted-from-equifax-tran/
Question by sap: Recently I disputed a negative item on Experian CR and they deleted? How to get it deleted from Equifax & TRAN
I have heard that if credit buero dont delete the account then the dispute becomes active and the accounts remains on the CR for next 10 years.Since experian already deleted it? Is there a way I can get it deleted from other credit reports by sending them the experian corrected report?Thanks in advance.

Best answer:

Answer by Beverly S
No you need to dispute it just like you did on Experian. The dispute does not stay for 10 years- its 7.5 years after last activity. However keep in mind if Experian deleted just because the creditor did not respond within 30 days- the item may show back up if the creditor proves its owed. I kind of get the impression that you don’t think it really should have been deleted? If it is really something you don’t owe, just write to TransUnion & Equifax & dispute.



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]]> http://three-bureau-credit-report.com/experian/qa-recently-i-disputed-a-negative-item-on-experian-cr-and-they-deleted-how-to-get-it-deleted-from-equifax-tran/feed/ 0 How is the “Average Account Age” in the Equifax credit report calculated? http://three-bureau-credit-report.com/equifax/how-is-the-average-account-age-in-the-equifax-credit-report-calculated/ http://three-bureau-credit-report.com/equifax/how-is-the-average-account-age-in-the-equifax-credit-report-calculated/#comments Tue, 31 Jan 2012 22:53:52 +0000 admin http://three-bureau-credit-report.com/equifax/how-is-the-average-account-age-in-the-equifax-credit-report-calculated/
Question by chesspl: How is the “Average Account Age” in the Equifax credit report calculated?
I have a combination of Open, Closed, Revolving, consolidated and unconsolidated student loans, and a couple credit cards I have never used. I have averaged these in many different ways but have not yet arrived at the “Average Account Age” that is reported in the Equifax credit report. For those who haven’t purchased their report, a “average account age” is given, and the longer it is, the better for one’s credit score. Hopefully someone who has a simpler credit history can shed some light on how it is calculated. Thanks!

Best answer:

Answer by RantingLover
Have you calculated the developed without your closed accounts? If you haven’t I would try that as the credit bureaus worn’t count closed accounts in the average age of your credit file.



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]]> http://three-bureau-credit-report.com/equifax/how-is-the-average-account-age-in-the-equifax-credit-report-calculated/feed/ 0 Equifax credit report – Kimberly http://three-bureau-credit-report.com/equifax/equifax-credit-report-kimberly/ http://three-bureau-credit-report.com/equifax/equifax-credit-report-kimberly/#comments Mon, 23 Jan 2012 19:49:52 +0000 admin http://three-bureau-credit-report.com/equifax/equifax-credit-report-kimberly/

Equifax credit reports can help you build up your credit score and help you keep an eye on your finances.
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improveyourscore.org Equifax Credit Dispute – this includes mailing a garnering to the Equifax credit reporting company or using their online form for filing disputes. The fcra gives 30 days for xxx to look into the Equifax dispute claim and come to a conclusion on the situation. You will next receive the written results and a free edition of your credit report if any changes have been made.

]]> http://three-bureau-credit-report.com/equifax/equifax-credit-report-kimberly/feed/ 0 What are the mailing addresses of Experian, Equifax, and Trans Union to dispute a negative on my credit report http://three-bureau-credit-report.com/trans-union/what-are-the-mailing-addresses-of-experian-equifax-and-trans-union-to-dispute-a-negative-on-my-credit-report/ http://three-bureau-credit-report.com/trans-union/what-are-the-mailing-addresses-of-experian-equifax-and-trans-union-to-dispute-a-negative-on-my-credit-report/#comments Tue, 27 Dec 2011 17:49:11 +0000 admin http://three-bureau-credit-report.com/trans-union/what-are-the-mailing-addresses-of-experian-equifax-and-trans-union-to-dispute-a-negative-on-my-credit-report/
Question by VintageDressGal: What are the mailing addresses of Experian, Equifax, and Trans Union to dispute a negative on my credit report
Should my letter be addresses to anyone in particular, and what are the exact mailing addresses?Thanks!

Best answer:

Answer by Anjell
Don’t try and address it to anyone in particular….they’ll end up looking for a dept/person that doesn’t exist.ExperianP.O. Box 2002Allen, TX 750131 888 397 3742EquifaxP.O. Box 740241Atlanta, GA 303741-800-685-1111TransUnionP.O. Box 1000Chester, PA 190221-800-888-4213



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]]> http://three-bureau-credit-report.com/trans-union/what-are-the-mailing-addresses-of-experian-equifax-and-trans-union-to-dispute-a-negative-on-my-credit-report/feed/ 0 what is the fastest way to remove a collection from equifax credit report? http://three-bureau-credit-report.com/equifax/what-is-the-fastest-way-to-remove-a-collection-from-equifax-credit-report/ http://three-bureau-credit-report.com/equifax/what-is-the-fastest-way-to-remove-a-collection-from-equifax-credit-report/#comments Sun, 11 Dec 2011 11:53:10 +0000 admin http://three-bureau-credit-report.com/equifax/what-is-the-fastest-way-to-remove-a-collection-from-equifax-credit-report/
Question by jawsnu7: what is the fastest way to remove a collection from equifax credit report?
Im in the process of getting a mortgage and all of a sudden this(collections) pop up on my Equifax credit file. I know it will hurt my score already. I need to know the best way to go about getting it removed. I heard even if you pay it off it will remain as a negative. Any good advice?

Best answer:

Answer by askme
dispute it. Tell them you have no knowledge of the creditor



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]]> http://three-bureau-credit-report.com/equifax/what-is-the-fastest-way-to-remove-a-collection-from-equifax-credit-report/feed/ 0 What’s the difference between the Equifax Risk Score and the FICO score? http://three-bureau-credit-report.com/equifax/whats-the-difference-between-the-equifax-risk-score-and-the-fico-score/ http://three-bureau-credit-report.com/equifax/whats-the-difference-between-the-equifax-risk-score-and-the-fico-score/#comments Fri, 11 Nov 2011 16:52:43 +0000 admin http://three-bureau-credit-report.com/equifax/whats-the-difference-between-the-equifax-risk-score-and-the-fico-score/
Question by DJC: What’s the difference between the Equifax Risk Score and the FICO score?
I just got my credit report from Equifax. Is that number the like, similar, or completely different from the FICO score. All I know about this is that Equifax goes from 280-850 and FICO goes from 300-850.

Best answer:

Answer by skr
it’s one of the 3 companies that provide your credit score, I have not seen all three be the same. you can count on the other 2 scores to be =or – 15 or so points on the average



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]]> http://three-bureau-credit-report.com/equifax/whats-the-difference-between-the-equifax-risk-score-and-the-fico-score/feed/ 0 Company Profile: Equifax Inc. (NYSE:EFX) http://three-bureau-credit-report.com/equifax/company-profile-equifax-inc-nyseefx/ http://three-bureau-credit-report.com/equifax/company-profile-equifax-inc-nyseefx/#comments Thu, 03 Nov 2011 13:55:44 +0000 admin http://three-bureau-credit-report.com/equifax/company-profile-equifax-inc-nyseefx/

One of the US’s largest credit reporting agencies (alongside Experian andTransUnion), the company has information on more than Cd million worldwide credit holders. In addition to credit reports, Equifax provides attributing card marketing and fraud detection services and offers database marketing, imputing risk consulting, and such products as credit scoring software through a host of subsidiaries. Through subsidiary TALX, the company provides human resources and payroll outsourcing. Equifax’s customers include financial institutions, retailers, automotive dealers, and mortgage companies. Equifax has operations in North America, South America, and Europe.


]]> http://three-bureau-credit-report.com/equifax/company-profile-equifax-inc-nyseefx/feed/ 0 What banks use Equifax? My score is better with Equifax what banks use Trans union? I don’t want them? http://three-bureau-credit-report.com/trans-union/what-banks-use-equifax-my-score-is-better-with-equifax-what-banks-use-trans-union-i-dont-want-them/ http://three-bureau-credit-report.com/trans-union/what-banks-use-equifax-my-score-is-better-with-equifax-what-banks-use-trans-union-i-dont-want-them/#comments Wed, 26 Oct 2011 10:55:45 +0000 admin http://three-bureau-credit-report.com/trans-union/what-banks-use-equifax-my-score-is-better-with-equifax-what-banks-use-trans-union-i-dont-want-them/
Question by Cb1818c: What banks use Equifax? My score is better with Equifax what banks use Trans union? I don’t want them?
My score is better with Equifax, which banks use Equifax? What banks use Trans Union? I don’t want them, I went though my credit union for snowmobile and I got a high interest rate because they use Trans union and for some reason my scores 41 points lower then Equifax.

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]]> http://three-bureau-credit-report.com/trans-union/what-banks-use-equifax-my-score-is-better-with-equifax-what-banks-use-trans-union-i-dont-want-them/feed/ 0 Why Equifax Prefers ILOG http://three-bureau-credit-report.com/equifax/why-equifax-prefers-ilog/ http://three-bureau-credit-report.com/equifax/why-equifax-prefers-ilog/#comments Tue, 04 Oct 2011 18:50:50 +0000 admin http://three-bureau-credit-report.com/equifax/why-equifax-prefers-ilog/

Why Equifax Prefers ILOG
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]]> http://three-bureau-credit-report.com/equifax/why-equifax-prefers-ilog/feed/ 0 what is the mailing or correpondence adresses ofthe three credit bureau, Equifax, Experian and Trans Union? http://three-bureau-credit-report.com/trans-union/what-is-the-mailing-or-correpondence-adresses-ofthe-three-credit-bureau-equifax-experian-and-trans-union/ http://three-bureau-credit-report.com/trans-union/what-is-the-mailing-or-correpondence-adresses-ofthe-three-credit-bureau-equifax-experian-and-trans-union/#comments Thu, 29 Sep 2011 08:50:05 +0000 admin http://three-bureau-credit-report.com/trans-union/what-is-the-mailing-or-correpondence-adresses-ofthe-three-credit-bureau-equifax-experian-and-trans-union/
Question by Samuel A: what is the mailing or correpondence adresses ofthe three credit bureau, Equifax, Experian and Trans Union?
What is the mailing address of Equifax, Experian and Trans Union credit companies?

Best answer:

Answer by Mark H
Trans Union2 Baldwin PlaceBox 2000Chester, PA 19022EquifaxBox 740241Atlanta, GA 30374-0241Don’t know Experian



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