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w******3
发帖数: 1335 | 2 是啊，那些credit karma之类还有记录和分数
之前试用过FICO，也什么都查不到，这次我再用用看freescore |
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i*********b
发帖数: 97 | 3 这个确实让人沮丧，credit karma能pull到，为什么其他的pull不到？
lz用过annualcreditreport试试pull记录，这里面虽然没有分数，但能pull到记录吧。 |
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w******3
发帖数: 1335 | 4 下午试了下，有两家能看到记录
我现在尝试跟他们三家要分数，付费的那种，然后都会出现问题，打了电话，他们要我
给传真ID和bank statement |
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s**********g
发帖数: 14942 | 5 传真过去好了。
估计太新还没ready。
纪录很短和没有纪录，对于房贷很可能是一样的，因为也许会一样不肯贷款。。 |
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w******3
发帖数: 1335 | 6 我估计应该得有记录的，我怀疑HSBC哪里搞错了
换一家大家都推荐的再试一次看看 |
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i*********b
发帖数: 97 | 7 local bank，credit union或者broker可能会松一些，利率可能会高一些，lz可以尝试
一下。
希望楼主常更新申请状态哦，短记录申请贷款确实好麻烦。 |
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w******3
发帖数: 1335 | 8 现在发现之前银行根本没有pull我的credit，不知道他们家搞什么，事实上我是有
credit
score的
现在试试Stanford federal credit union,他们家说能做 |
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s******1
发帖数: 4987 | 10 call your credit card companies and ask them to send your info to credit
bureau |
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z*****0
发帖数: 633 | 11 How much does My Credit Score & Report cost?
My Credit Score & Report is a complimentary benefit offered exclusively to
American Express® Cardmembers. You pay absolutely nothing. Simply sign
up to gain access to your Credit Score and Report.
How long will I be enrolled in My Credit Score & Report?
Your enrollment in My Credit Score & Report will last 30 days. After 30 days
, you will no longer have access to your complimentary Credit Score and
Report. If you wish to continue enjoying access... 阅读全帖 |
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m*****a
发帖数: 2609 | 12 最近在买房，还在进行中，不过请citibank写了pre-approvel letter，这个过程pull
了我的credit，而且被告知，如果我90天内proceed，他们不会再pull我的credit了，
所以我应该算看到creidt的所有影响了。
1。首先，只要你高过740，再高没有任何意义。
(words from my Citibank loan specialist) as long as your score is higher
than 740, you will get the excellent level rate. Once you reach that level,
it doesn't help further even if you are higher, say, 800. It only means the
credit score won't be the bottleneck of your mortgage loan. The lender will
look into other factors that affect your mortgag... 阅读全帖 |
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l*****1
发帖数: 540 | 13 I've been using creditsecure from amex. $15 per month. Two credit reports
from each of three bureaus per month. Plus monitoring. |
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d**********n
发帖数: 3634 | 14
they want to verify because the address you have on file with the credit
bureaus do not match up with the address you put in the card application,你
刚搬家了还是怎地 |
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d**********n
发帖数: 3634 | 15
in order to change the address at the credit bureaus you have to change all
your current credit card and bank account address to the new one and wait a
few weeks.
The post office address change does not come in to play, AT ALL.
if you need to apply now use the old address. |
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s**n
发帖数: 425 | 16 Cap One will pull on all 3 bureaus. Not sure $500 is a good enough for 3
pulls |
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A******7
发帖数: 1920 | 17 一直不明白pull 3 bureaus 有什么负面影响，请扫盲...
★ 发自iPhone App: ChineseWeb 8.2.2 |
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k*****6
发帖数: 71 | 18 From Slickdeals link
Cap 1 pulls from 3 bureaus ( Equifax, Experian and TransUnion). That
translates into 3 hard inquiries ( 1 at each bureau ). Having said that,
people who understands the credit knows that it will have the same impact on
credit score as other bank pulling a single bureau. from FICO lens, all
hard pulls generated from same lender on the same day for same product
results into a single inquiry/hard hit. Each bureau counts FICO individually
using their data. |
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d**********n
发帖数: 3634 | 19 But seriously though, it's an inquiry sent to one of your credit bureaus
that lowers your credit score by a little. If you apply for too many credit
cards you could have a lot of hard pulls on your file and it definitely
doesn't look good. Soft pull is exactly as it sounds, it's soft, it doesn't
hurt. No damage against your credit score. |
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y****i
发帖数: 17878 | 20 it depends
for all of our Chase recons (>12 times) there were no additional hard pulls,
except my most recent UA Biz card, which cost me an extra TU pull on top of
the usual EXP
on the other hand, a hard pull on each of the three bureaus for one card
application may sound very bad, but in fact it may not matter that much. |
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s**********g
发帖数: 14942 | 21 no impact
free scores are fake or relatively useless. U can use creditkarma/
creditsesame/discover IT card
paid scores, go to MyFICO or the three credit bureaus. Not that cheap,
though. |
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s*********t
发帖数: 16647 | 22 regardless of the application method (actually it was available for online
app b4) and the eggache bureaus they pull and speechless auto downgrade, the
two CCs from USB r pretty good |
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q*********3
发帖数: 470 | 23 听说他家要pull all three bureaus，那一般一个hard pull要损失多少信用分数那？
最近想贷款买车，怕损失太多credit score的话贷款的rate会很高，现在很犹豫要不要
申，有了解这方面信息的朋友吗？
谢谢！ |
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y****i
发帖数: 17878 | 24 that's because car loan and mortgage usually pull all three bureaus
at least for CA residents (OP is a fellow San Diegan, hehe), experian is the
most pulled bureau
so if you can only sign up one, choose experian, but two are highly
recommended |
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s******k
发帖数: 6659 | 25 creditboards.com has a credit pull database
Plus US bank checks two minor bureaus. You can freeze them before applying
for it. |
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y****i
发帖数: 17878 | 28 my experience - don't bother |
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w*********w
发帖数: 1497 | 30 贡献个data point 去年12月同一天申了us airway和flex perk 申前ARS IDA都冻了 2
个都没秒过 us airway打电话recon3次无效说new account太多 flex perk没管后来过
了 给了27000 us bank有checking 150的时候撸的没关
两家都pull了tu 感觉冻了至少没坏处 |
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d***y
发帖数: 1850 | 31 如果近期申卡比较多，credit history 不够长，资历不够深，还是冻了吧，至少没坏
处 |
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w****r
发帖数: 15252 | 32 你还知道冻结，我今天才知道可以冻结，那你知道US Bank Pull的是哪家
2 |
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h****s
发帖数: 16779 | 34 不一定，我申2次US Bank的，一次pull TU，另外一次pull EX。 |
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f********i
发帖数: 8412 | 36 I applied the for club carlson personal and biz cards at the same time after
fre
ezing my credit at the two samll bureaus, did not get instant approval for t
hem, but got both cards without doing anything but waiting (biz card came la
ter). I did get only one hard pull for both cards. |
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m**2
发帖数: 3374 | 37 In fact I believe your landlord or the collection agency he hired should sue
you in the small claim court and win before they can report you to the
credit bureaus. |
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x********3
发帖数: 6 | 38 discover最近被关了，实在不知道什么原因啊。cb也就300多点，bill pay半年前有过
一次。打电话客服也不知道。大家觉得可能是什么原因啊？会对自己信用分数有很大影
响吗？需要打电话联系credit bureaus? |
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g*******w
发帖数: 679 | 39 Member since date is no longer relevant. Even though MSD now still appears
to be backdated, AMEX now reports the actual approval date to credit bureaus
as "open date". |
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D*****D
发帖数: 472 | 40 There are many companies that can provide you with a tenant credit check.
You can go directly to one of the 3 big credit bureaus Experian, Transunion
and Equifax for a credit report. However, I do not just check a potential
tenant's credit. I like to do a complete background check on them including
a national criminal and eviction check and a SSN trace to make sure the
person is who they say they are. It is better to do the research upfront to
prevent expensive problems later! quote from zillow... 阅读全帖 |
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c**2
发帖数: 8496 | 41 When my mom first got SSN in 2011, her secured credit card application also
got denied and the credit bureaus report showed SSN owner dead in the early
2000s. |
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y****i
发帖数: 17878 | 42 my understanding is that it is not actually the credit card issuer combining
multiple pulls, it is the credit bureaus who does this in the same fashion
as multiple mortgage or car loan inquiries |
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a****r
发帖数: 4965 | 43 http://smallbusiness.chron.com/pay-collection-agency-before-aff
两点：
According to the Federal Trade Commission, credit reporting does not
constitute “collection activity.” Because a collection agency can opt to
report your debt at any time after purchasing the account, it is imperative
that you act quickly to pay your debt and avoid credit consequences.
A paid collection is just as detrimental to your credit scores as an unpaid
collection. Before you submit your payment, ask that the collection a... 阅读全帖 |
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y****i
发帖数: 17878 | 44 chase does not look at the hard pulls
they check the accounts opened in the past 2 years, which show up at all
three bureaus |
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y****i
发帖数: 17878 | 45 got Gold AMEX and visa biz
numerous pulls in the past 2 years, did not freeze two small bureaus
approved within 3 biz days, did not need to call
scored two BofA Alaska cards on the same day |
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y****i
发帖数: 17878 | 46 no, just in terms of the hard pull
new account will appear on the reports of all three bureaus |
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y****i
发帖数: 17878 | 47 no, just in terms of the hard pull
new account will appear on the reports of all three bureaus |
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d*******3
发帖数: 6550 | 48 找credit bureau 去dispute
"What if the creditor can't provide proof or just plain doesn't answer you?
"Generally, they have 30 days to respond under the Fair Credit Reporting Act
," Bourne says. If they don't make that deadline, it's time to dispute the
inquiry with the credit bureau, he advises. "Let them know you sent a letter
to the creditor requesting confirmation of the inquiry and they ignored you
."
The credit bureau is then required to follow up with the creditor. "If the
credit bureau doe... 阅读全帖 |
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发帖数: 1 | 50 当发现信用分突然下降很多，并且有DEROGATORY PUBLIC RECORD OR COLLECTION FILED
的时候，首先去索取完整的信用报告。
一定要去3个信用局拿报告，因为有时候DEROGATORY PUBLIC RECORD OR COLLECTION
FILED只会出现在某个信用局的报告上。
有DEROGATORY PUBLIC RECORD OR COLLECTION FILED也别慌，下面是我的经历。
大概在15年6月左右我discover的FICO显示我分数一下从740以上掉到了640左右。显示
的原因是DEROGATORY PUBLIC RECORD OR COLLECTION FILED。于是我就去了这个众所周
知的地方 www.annualcreditreport.com
虽然免费但是这个对于地址更换频繁的人来说不一定好用。我最后仅从EXP拿到了报告
，其他2家不能verify地址。。。
下面是我从EXP报告中看到了
说我欠了ATT钱没有还，于是给我file了collection
当初来美国上学办了family plan，我是holder，大家都没SSN... 阅读全帖 |
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