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April 30, 2011

What are some credit card companies that go off of my trans union credit score?

Filed under: Trans Union — Tags: , , , , , , — admin @ 7:18 pm


Question by Scott M: What are some credit card companies that go off of my trans union credit score?
I don’t need credit advice of any kind about my scores so please don’t give any.. I just need to know if anyone knows of any credit companies that use our trans union or experian credit scores… NOT EQUIFAX.Trans union 608Experian 602Equifax 444

Best answer:

Answer by Ryan M
Generally, all impute companies will look at all three for the very reason why you don’t desire them to look at Equifax! They will use all III to make sure that one companioning is not missing something that the others have recorded into their score.



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April 28, 2011

Recently I disputed a negative item on Experian CR and they deleted? How to get it deleted from Equifax & TRAN

Filed under: Experian — Tags: , , , , , , , , , — admin @ 7:37 pm


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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April 26, 2011

Centrro and TransUnion Sign Memorandum of Understanding

Filed under: Trans Union — Tags: , , , , — admin @ 7:31 pm


Centrro and TransUnion Sign Memorandum of Understanding

Oakland, CA (PRWEB) October 6, 2006

Centrro Inc. announced the signing of a Memorandum of Understanding with TransUnion, a global leader in credit and information management. The companies will explore opportunities to integrate TransUnion’s credit information products with Centrro’s personal financial search engine and open lending marketplace.

“TransUnion provides credit management tools and educational information to millions of consumers,” told Centrro founder and CEO, Ike Eze. “They are also an invaluable resource to thousands of banks and brokers, providing information services crucial to the lending caring. We look ship to exploring integration opportunities with TransUnion.”

One of the first implementations will be the replacement of Centrro’s current consumer credit report provider with TransUnion’s TrueCredit.com. Centrro consumers will now have access to the full suite of TrueCredit.com products. These range from a single bureau credit report and score to a comprehensive 3-Bureau Credit Monitoring serving which gives consumers unlimited access to their credit report and score from all three major credit bureaus.

About Centrro Inc.        

Centrro is a vertical search engine designed to help consumers find personal financial products that trump fit their alone needs. Our transparent marketplace permit consumers to anonymously shop for products that fit their specific credit profile, before ever apply. This means consumers get exactly what they want and lenders get higher approval rates from their applicants. For more information on Centrro, please visit http://www.centrro.com.

About TransUnion    

TransUnion is a leading global information solutions company that customers trust as a business intelligence partner and commerce facilitator. TransUnion offers a broad range of financial services that enable customers to manage risk and capitalize on offer opportunities. The companion uses advanced technology coupled with extensive analytical capabilities to battled fraud and facilitate credit transactions between businesses and consumers across multiple markets. Founded in 1968, Chicago-based TransUnion employs 4,100 associates that support clients in more than 30 countries. Visit us at http://www.TransUnion.com/business.

Contact Information    

Public Relations

Centrro, Inc.

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April 24, 2011

Q&A: How different is the Experian Credit Score from your actually FICO?

Filed under: Experian — Tags: , , , , , , — admin @ 7:17 pm

Question by JP: How different is the Experian Credit Score from your actually FICO?
Last year I did my annual free credit score, which takes your score from all 3 bureaus.. and did one of those free 30 day trials to get my credit score like 6 months ago and it was 517. I havent made any payments to my only negative account, but now my score is like 624 on a free experian one i did today. how different are the two scores?

Best answer:

Answer by Ryan M
It is calculated on a completely different scale, using different weights, factors, and criteria. The Experion score is generally 100-150 points HIGHER than your actual FICO score….that is due mostly to the Experian score having a higher ceiling.

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April 22, 2011

Why do the Equifax and Experian show different credit scores?

Filed under: Experian — Tags: , , , , , — admin @ 7:19 pm


Question by TJB: Why do the Equifax and Experian show different credit scores?
For example on the Equifax website it says: Experian-750, Transunion-710, Experian-761. On the Experian website says: Experian-690, Transunion-683, Experian-701This is a huge difference. Which website is more accurate Equifax or Experian? Why do the websites differ so much?Dave – thank you for your advice and your are probably right, I am obsessing over my credit scores.Cold – thank you for the website suggestions. I will look into them.

Best answer:

Answer by Dave
Because they all use different scoring systems. It’s a scam – don’t obsess over scores; just make sure the information on your reports is correct.



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April 20, 2011

Why is Equifax credit score the most important?

Filed under: Equifax — Tags: , , , , — admin @ 7:35 pm


Question by sweet_jemise: Why is Equifax credit score the most important?
Everytime i see anything about credit scores, they involve first equifax, like the others dont matter. Why is equifax so important than the others, i have a lower equifax score than the other 2 bureaus, why is that? is equifax more inportant than the other?

Best answer:

Answer by tsisul
Each of the three credit bureaus – Equifax, Experian, and TransUnion – are equally important. My guess is that Equifax is always listed first, since it comes foremost alphabetically.As for the lower Equifax score, it could be a number of things. However, what I tin say is that Equifax is reporting something negative that is missing from your Experian and TransUnion reports…or…Experian and TransUnion are reporting something positive that is missing from your Equifax report.My initial recommendation would be to – compare the reports side-by-side to see whether there are any differences in the number of creditors and/or payment history. Unfortunately, I’m not able to tell you anything more without seeing the reports firsthand. Hope this helps,-Ted



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April 18, 2011

Equifax Announces $1 Million Identity Theft Insurance Coverage Upgrade

Filed under: Equifax — Tags: , , , , , , , — admin @ 7:24 pm

Equifax Announces $ 1 Million Identity Theft Insurance Coverage Upgrade












Atlanta, GA (Vocus) May 5, 2009

Equifax Inc. (NYSE:EFX) announced today an enhancement to its existing identity protection and credit monitoring products to include up to $ 1 million of identity theft insurance coverage*. The coverage provides reimbursement for certain out-of-pocket expenses related to identity theft for Equifax consumers.

All Equifax 3-in-1 monitoring products with insurance components (e.g. Equifax ID Patrol™, Equifax Credit Watch™ Gold with 3-in-1 Monitoring and FICO® Score) were automatically upgraded to up to $ 1,000,000 of identity theft insurance with no deductible; single bureau monitoring products with insurance components were upgraded to up to $ 25,000 of identity theft insurance with no deductible. Existing Equifax customers were also automatically upgraded to the new coverage applicable to their current product.

The enhanced identity theft insurance coverage included with Equifax’s products provides for direct reimbursement to consumers for out-of-pocket expenses, including lost wages, loan application fees, notary and certified mailing costs, long distance calls, and attorney fees. The identity theft insurance that is included with Equifax’s 3-in-1 monitoring products also provides reimbursement for losses resulting from unauthorized electronic funds transfers above those covered by one’s financial institution. Service guarantees, like those included with some identity theft protection products, are not insurance. Generally, these guarantees are applicable to incidences of identity theft related to defects in the product’s service or performance and do not provide direct reimbursement for actual expenses incurred by the customer.

“Identity theft is a real threat and consumers need real protection,” said Steve Ely, President, Equifax Personal Information Solutions. “Consumers may mistakenly believe that service guarantees are comparable to insurance and that they provide the same protection. The identity theft insurance coverage that is included with Equifax’s credit monitoring products is real insurance, not a service guarantee, and provides consumers with direct reimbursement for covered losses.”

Equifax’s suite of identity protection and credit monitoring products are designed to help consumers protect the power of their identity, take control of their credit and maximize their financial well being. For more information about Equifax and its credit monitoring products visit http://www.equifax.com .

About Equifax, Inc. (http://www.equifax.com )

Equifax empowers businesses and consumers with information they can trust. A global leader in information solutions, we leverage one of the largest sources of consumer and commercial data, along with advanced analytics and proprietary technology, to create customized insights that enrich both the performance of businesses and the lives of consumers.

Customers have trusted Equifax for over 100 years to deliver innovative solutions with the highest integrity and reliability. Businesses – large and small – rely on us for consumer and business credit intelligence, portfolio management, fraud detection, decisioning technology, marketing tools, and much more. We empower individual consumers to understand their personal credit information, protect their identity, and maximize their financial well-being.

Headquartered in Atlanta, Georgia, Equifax Inc. employs approximately 7,000 people in 15 countries throughout North America, Latin America and Europe. Equifax is a member of Standard & Poor’s (S&P) 500® Index. Our common stock is traded on the New York Stock Exchange under the symbol EFX. Equifax is a registered trademark of Equifax, Inc.

*Insurance underwritten by insurance company subsidiaries of AIU Holdings, Inc. For additional information, please visit http://www.aiuholdings.com . The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions and is subject to actual policy language.

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April 16, 2011

Hi guys I just started a blog and i would like to know hot to generate traffic?

Filed under: Credit Report Blog — Tags: , , , , , , , , — admin @ 7:16 pm

Question by Kel R: Hi guys I just started a blog and i would like to know hot to generate traffic?
heres my blog http://cashwithablog2008.blogspot.com/ i only have three articles but my goal is to make articles about everything that can help people in every aspect of life like how to lose weight,where to check you credit report in a legit place,how to build a computer I think you get the idea thanks to all.

Best answer:

Answer by ♥Life Lover♥©
well eventually you’ll earn the crowd.

Just keep doing your work and make the blog interesting..&&^^

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April 14, 2011

I want a credit report with out having to use a credit card or my phone number. How can I do?

Filed under: Free Credit Report — Tags: , , , , , , — admin @ 7:32 pm

Question of Grace : I want a credit report with out having to use a credit card or my phone number. How can I do? Everywhere I went to get a credit report that they ask for my credit card number and my phone number. I do not have a credit card or a phone so I was wondering if I could get a free report without that. Best answer:

Answer given by Ms
annualcreditreport.com is where you can get a free annual report. You may have to put in your phone amounted, but I used them for 3 years and never received a call from them. No credit card necessitate unless you want to buy your credit score from all three impute bureaus.

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April 12, 2011

Experian Launches Business Information Widget

Filed under: Experian — Tags: , , , , — admin @ 7:27 pm


Experian Launches Business Information Widget

Experian logo

Costa Mesa, Calif. (Vocus) June 2, 2008

Experian®, a global information services company, today announced the launch of a new widget that includes business information from Experian’s robust commercial database, BizSource(SM). Designed by JS-Kit for directory or local search Web sites, this embeddable graphical user interface (GUI) known as a widget provides an immediate, real-time display of Experian’s business information in a viewer-friendly interface.

“This groundbreaking tool is the first of its kind to link Web searching to a major business database, like BizSource, in real clocked,” said Alan Edgett, director of Strategy and Innovation for Experian’s Business Information Services. “By leveraging this technology, we are able to provide our valuable business information to the worldwide public at no being, enabling them to conduct more effective Web searches.”

The information displayed in the widget is the same that is included in Experian’s BizCheck(SM) reports. These reports provide a quick summary of the business information and include a simple credit rating system to assist quickly identify if a business “checks out,” if questioned were identified or if any problem areas exist.

BizCheck accounting include the following:

    An easy-to-understand rat system: A green check tag indicates that the business checks out, a yellow question mark means questions were identified, and a red X shows that problem areas were discovered.     Key facts about the company, including its years in business and address history.     Essential background information on potential problem areas such as liens, judgments or bankruptcies.     Links to more detailed Experian business credit report information.

To see this widget in action, or for more information on how to put it on your Web site, please visit http://www.js-kit.com/experian.

For more information about Experian’s advanced business-to-business Internet services, please visit http://www.businesscreditfacts.com or call an Experian sales representative at 1-800-509-5493.

About Experian
Experian® is a global leader in providing information, analytical and marketing services to organizations and consumers to help manage the risk and reward of commercial and financial decisions.

Combining its unique information tools and deep understanding of individuals, markets and economies, Experian partners with organizations around the world to establish and strengthen customer relationships and provide their businesses with competitive advantage.

For consumers, Experian delivers critical information that enables them to make financial and purchasing decisions with greater control and confidence. Clients include organizations from financial services, retail and catalog, telecommunications, utilities, media, insurance, automotive, leisure, e-commerce, manufacturing, property and government sectors.

Experian Group Limited is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. It has corporate headquarters in Dublin, Ireland, and operational headquarters in Costa Mesa, Calif., and Nottingham, UK. Experian employs approximately 15,500 people in 38 countries worldwide, supporting clients in more than 65 countries around the world. Continuing sales for the year ended March 31, 2008, were in excess of $ 4 billion.

For more information, visit the Group’s Web site at http://www.experiangroup.com.

Contact:    
Roslyn Whitehurst
Experian Public Relations
1-714-830-5578
roslyn.whitehurst@experian.com

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