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According to eHow, the three credit report bureaus (Equifax, Experian, and TransUnion) can all provide Tri-Merge credit reports. Individual reports can also be collected from their respective bureaus and pooled together to emulate a Tri-Merge report.
What else can I help you with?
Why do creditors receive a different fico score than the ones we can personally obtain ourselves from various credit monitoring websites?
There are three diffent scores reported it depends on what one they use. All so it the scores can change daily depending on your balances and late payments. If you want a complete credit report look for a Tri-Merge credit report it will run you $20-30
Which credit bureau's FICO score is used by lenders most frequently?
In the case of a major credit application such as a mortgage, all three bureau's are pulled in what is known as a Tri-Merge Report. Of all three FICO scores. the high score as well as the low score is disregarded. The middle score, regardless of the bureau it happens to be from is the one that is considered.
If you have a judgment in New York that does not show on any of your credit reports and want to get a mortgage in Florida is there any way they can find out about the judgment?
Sure. There are methods of invesitgating individuals which may show all public records, no matter where they are filed. The typical procedure during the loan process, however, is pull a tri-merge credit report showing all three bureaus. The only public records which are typically addressed are those showing on the report.
Does home HELOC show on your credit report and does it affect your revolving debt?
A HELOC usually shows on your credit report as a mortgage, although sometimes it can report as revolving. Sometimes the same loan can appear differentl for each of the three different credit bureau companies. Generally it will affect your revolving debt on your credit report just the same as it would a credit card if it appears as revolving to a particular bureau. If it appears as a mortgage, then it will of course affect your score as a mortgage. The differences are not too great, but can widen the range of a tri-merge report. It is impossible to say exactly how much any one thing will affect your score as the formulae used to determine your scores are kept as closely held trade screts by these companies. It is extremely complex mathematics though and it is unlikely that any one type of loan would significantly effect your score more than another since the bureaus look at the overall credit profile.
665-721-728 fico score are these good credit scores?
Yes, these are good scores! The way a mortgage lender (like me) or other creditor looks at a "tri-merged" credit report (a composite report adding info from three credit bureaus) is to drop the high and low score and use the mid score as the basis for lending and pricing decisions so if these 3 scores are all yours from the same report, your mid score would be 721.
Where can one check his Equifax credit reports?
Equifax credit reports are available directly from the Equifax website, via the link "Get my free annual credit report." It is also possible to purchase a tri-merge credit report from Equifax or other bureaus; this report consolidates data from multiple credit reports (including Equifax's).
How long do inquiries stay on your credit report example shopping for a vehicle and car insurance?
For a tri-merge credit report pulled from a credit bureau, inquires for only the last 90 days are reported. This shows potential creditors how much shopping for credit you've done over this period. Extensive inquiries can affect FICO scores (Fair Isaac & CO) know as credit scores. TaxMan/MortgageMan
Why do creditors receive a different fico score than the ones we can personally obtain ourselves from various credit monitoring websites?
There are three diffent scores reported it depends on what one they use. All so it the scores can change daily depending on your balances and late payments. If you want a complete credit report look for a Tri-Merge credit report it will run you $20-30
Can you use a copy of a credit report from just one CRA to correct information in all three CRAs?
Simply put, no, you can not. They will require you to have a copy of their own credit report. The exception is if you have a tri-merged credit report (all three bureaus on one credit report). This is acceptable to dispute to all three bureaus with.
Which credit bureau's FICO score is used by lenders most frequently?
In the case of a major credit application such as a mortgage, all three bureau's are pulled in what is known as a Tri-Merge Report. Of all three FICO scores. the high score as well as the low score is disregarded. The middle score, regardless of the bureau it happens to be from is the one that is considered.
If you have a judgment in New York that does not show on any of your credit reports and want to get a mortgage in Florida is there any way they can find out about the judgment?
Sure. There are methods of invesitgating individuals which may show all public records, no matter where they are filed. The typical procedure during the loan process, however, is pull a tri-merge credit report showing all three bureaus. The only public records which are typically addressed are those showing on the report.
Does home HELOC show on your credit report and does it affect your revolving debt?
A HELOC usually shows on your credit report as a mortgage, although sometimes it can report as revolving. Sometimes the same loan can appear differentl for each of the three different credit bureau companies. Generally it will affect your revolving debt on your credit report just the same as it would a credit card if it appears as revolving to a particular bureau. If it appears as a mortgage, then it will of course affect your score as a mortgage. The differences are not too great, but can widen the range of a tri-merge report. It is impossible to say exactly how much any one thing will affect your score as the formulae used to determine your scores are kept as closely held trade screts by these companies. It is extremely complex mathematics though and it is unlikely that any one type of loan would significantly effect your score more than another since the bureaus look at the overall credit profile.
665-721-728 fico score are these good credit scores?
Yes, these are good scores! The way a mortgage lender (like me) or other creditor looks at a "tri-merged" credit report (a composite report adding info from three credit bureaus) is to drop the high and low score and use the mid score as the basis for lending and pricing decisions so if these 3 scores are all yours from the same report, your mid score would be 721.
Can you apple for a Home Equity Line of Credit at Tri Counties bank?
Yes you can apply for a Home Equity Line of Credit at a Tri County Bank. You can apply for a Home Equity Line of Credit at any bank of your choosing. Hopefully you have a bank near you.
Wiil paying 111k in bills raise fico up fast or stretch out over a 4 month period?
Dispute the negative credit you have over the next 4 months. If it is payed off and still showing on your credit report dispute it and say it is paid. They will probably remove the negative paid off collections. Pull your own credit report at experian.com (get a tri-merged report) and then do on line disputes for everything you feel might be negative and might be in error in any way. Your credit score is low because of collections and late pays not because of lacking history most likely. I would suggest using the 11k to pay off any corrections or judgements. Both kill your score. Disputes have to be answered by the parties that placed the negative report on your credit - many do not bother answering the disputes.
Can you use a tri-axle dump truck in Georgia?
Yes, although I can't tell you what you would gain from it in that state, if the air pressure adjustment has to be outside of the cab or can be in-cab, etc. There's a "bulk, tanker, and dump" sub-forum at the forums over on The Truckers Report forums where that info can be obtained.
If you have a creditor for a car like Ford Credit that you included in a bankruptcy but is still on your credit report how do you get it off?
I am by no means a legal expert, just simply going through a Chapt 13 myself. We had the same question and sought the answer from our personal lawyer. We were told by our lawyer that the credit company has the right to leave their history on your report but should be made to list it as "Included in Chapter 13 Debt" or something to that affect. Ours included debtors are still listed under "Potentially Negative" Credit Items and we just recently finished disputing a few more to get them listed as under Chapter 13,as well. This doesn't make it better for your credit rating, but at least future creditors will see that this is not still an ongoing tardy debt. Good luck! Check your tri-credit report for free once a year at http://www.annualcreditreport.com Be ready to provide this site with old account numbers and personal information. You can dispute incorrect items through this site. This is by no means any professional legal advice and should not be acted upon as such. I am not responsible for any actions taken or not taken due to the advice in the above post.
