Yes especially if that's not the case, you'll need to call the fraud dept. of one of the CRA's to have corrected a front line CSR can't help you with that.
The scores we provide are real credit scores pulled from a major credit bureau, not just estimates of your credit rating.
Credit scores are calculated primarily on "Credit". After closing a card............do you have "credit"? No. You HAD credit......now you don't. It certainly won't help your scores.
One has to purchase their credit score which is different from a credit rating. The credit score is purchased from FICO which is the only place to buy if from so you do not get two different scores.
You can obtain additional information about credit score rating and possible solutions at the following websites: www.bankrate.com/brm/news/credit-scoring/20031104a1.asp.
You can get a credit rating history by checking your credit scores. Most states allow you to get a copy of your credit report once per year. You can visit www.equfax.com, www.experian.com, and www.transunion.com to apply for those reports.
There is no such thing as a joint credit rating or joint credit score. Even when two people apply for credit together, their credit is pulled and scores are provided separately. These two separate reports can be merged into one single credit report, but look closely; you will still see separate scores on each bureau for them.
A credit score rating is not hereditary. If your parents have bad scores, it doesn't affect you, unless they are deadbeats and applied for a loan under your social. You build your own credit score, which under 650 is generally considered poor.
Transunion does not have a storefront in New York City. It is a credit rating agency that deals with credit scores and credit requests from mortgage companies and credit card companies.
Below is a link for how to fix your credit score if it is too low to apply for a home loan. http://money.msn.com/credit-rating/9-fast-fixes-for-your-credit-scores-weston.aspx
== == There are four or even five factors that affect your scores: Payment History Balance Mixture of Credit Late Payments
yes,especially if it is unpaid!
A bad credit rating will make it difficult for you to get a home loan. Lenders don't want to lend money to people with low credit scores.