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Yes, there is more credit bureaus than just the IRS. Equifax, Experian, and TransUnion are just a few examples of credit bureaus other than the IRS from around the world.
Major well known credit report bureaus are Compuscan, Credit Info, TransUnion, Schufa, Creditreform, Equifax, Veda Advantage, Experian, BIK or Experian.
Fingerhut reports your payment activity to the major credit card bureaus, but it won't report if you are just 2-3 days late. You can read more information about this topic at the related link.
There is no resolution to this issue. The credit bureaus are three separate businesses. You have to work with each one independantly to correct your credit files. The answer to this question has changed as of December 1, 2004. New changes to the FCRA went into effect on that date which encourage communication between the credit bureaus with the goals of making the 3 separate reports more closely agree.
Yes a judgement can be reported to more than one credit bureau and is usually reported to the three major credit bureaus (equifax, tranunion & experian)
Charge offs will drastically lower your credit score, just like any negative item similar to collections, judgments, and liens. They will stay on your credit report for 7 years unless removed. The more money owed and the more recent the charge off the more it will lower your credit score. You can remove charge offs by disputing them to the credit bureaus. The credit bureaus have 30 days to verify the charge off or it must be removed from your credit report.
The major credit report bureaus, Equifax, Experian, and TransUnion use information from Fair Isaac Corporation to make up your credit score. FICO uses several factors to figure your credit score. They include payment history, your credit responsibility, length of credit history, whether you have new accounts or not, and the types of credit that you have. The major credit bureaus now use a credit score model call VantageScore that ranges from 501 to 990. The scoring also includes A, B,C, F as letter grades. The bureaus seek more consistency in reporting your credit history.
The three major credit reporting agencies in the United States are Equifax, Experian, and TransUnion. These companies collect and maintain credit information on individuals, which is used to calculate credit scores. Lenders use these credit scores to assess an individual's creditworthiness when applying for loans or credit cards.
You can find information about credit file's which holds the details of every credit agreement like credit cards, catalogue's, etc. you can obtain your credit file from places like equifax, experian, privacy guard and call credit, but they will make a small charge for there services.
Unless it says it, they most likely won't, because they act like debit cards. There are a few prepaid credit cards out there that report to the credit bureaus. See related link for more information.
If a credit bureau does not have a credit score for you, it is usually because they do not have enough credit information about you on file to give you a score. This usually occurs when you have not had traditional credit accounts such as credit cards or mortgages with banks that report to the credit bureaus. For more information about credit scores and credit reports, see the link below.
The process of repairing credit is slow and takes time and more than a little effort. Successful restoration of good credit requires a full understanding of how credit bureaus and individual creditors interpret your credit profile. Credit bureaus tell you that you have the right to dispute, and perhaps remove, individual items on your credit report. The reality is that most people just do not have the time, patience, nor inclination to fight a protracted credit repair battle with multinational banks and other credit providers. For those who would prefer, you can have a professional, such as an attorney, to handle these tasks.