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You have two different credit reports with the exact same informaton so why is your credit score have a 100 point difference?
Wiki User
∙ 16y ago
ANSWER: There are many variables. # What is the time difference between the two credit reports? Hours, days, or weeks? Creditors report to the bureaus on different days. That is why when you pull your credit report it will show a balance on one of your credit cards and you say to yourself "wait a minute I payed that card down to zero". The reason is the creditor you paid down didn't report the balance to the "Credit Reporting Agency" yet. # Did you pull the credit report yourself or did a company pull it? I have found credit report scores differ when pulled by the consumer or by a company. Credit ReportAgencys recognize social security numbers first, name spelling second, primary address of consumer last. If any of those items are changed, misspelled by one letter, etc., credit scores will differ.
Wiki User
∙ 16y ago
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How many types of credit reports?
There are three different credit reports. Experian, Equifax, TransUnion
Why would you need three free credit reports?
The three different free credit reports can give you different aspects on your credit based on a bunch of different factors. Also, all people that will check your credit will check all three companies.
What services does the website Credit Bureau Reports offer to individuals?
The websites called Credit Bureau Reports offers all kinds of different services to individuals. These services include, but are not limited to, credit reports and locations of bank near ones location.
Where can one get free credit reports?
There are many different websites like Transunion and Equifax that offers free credit reports. There are also other websites that are not as well-known that also claim to offer free credit reports, but one wants to be very careful when handling information to companies that do credit reports, so check out the ones that are well-known and have a good reputation.
Are credit reports online reliable?
Credit reports online are reliable. These reports are taken from the same three major credit bureaus that lenders will pull their own reports from.
What are the names of two online sites that offer free credit reports and there is no credit card needed to get the credit report?
There are many different places one might go to receive a free credit report. The Annual Credit Report does not require a credit card and allows you to get reports from up to three credit reporting agencies.
What is the government site for free credit reports?
There IS no government site for free credit reports, since credit reports are provided by private firms, NOT by the government.
How many free credit reports are you entitled to in a year?
Each person is eligible for three free credit reports a year. These reports are available from the following credit reports bureaus: Equifax, Experian, and TransUnion.
Where can one get all 3 credit reports at once?
It is possible to obtain all 3 credit reports at once through Equifax. Your three credit bureau reports will include reports from Equifax, Experian, and TransUnion.
What does a d next to my credit score mean?
There are many variations of credit reports, and different companies use different codes throughout their reports. There should be a legend explaining what those letters represent. If not, try contacting the company who produced the report, and ask them what the letters mean.
Are the online free credit reports reliable?
Yes, free online credit reports are usually pulled from the 3 major credit bureaus Experian, Equifax and Trans Union. These are the same credit reports your lenders will pull if they pull your credit.
If you get married how will your credit reports and bankruptcy affect your future spouse's perfect credit?
Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.
