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w********3
发帖数: 141 | 3 最近我Experian FICO莫名其妙掉了60分，请教大家是否正常. 之前FICO稳定保持在790
+, 数年未开新卡. 4月和5月初新开3张新卡, 5月的FICO掉了40分，但6月初分数半个月
内又涨了10分. 到此为止FICO还算正常。
诡异的是, 6月中下旬FICO又在两周内暴跌近30分, 而我一切消费还款均正常.
Experian系统给的理由是"Too few accounts currently paid as agreed"，官方解释
是"账户太少或太新, 没有足够的还款记录"。
我查了credit report, 发现有2张主力老卡(chase的)在信用报告中显示为"Status
Unknown",而它们在5月份还显示为正常. 这导致我信用报告中的总credit limit降为原
先的三分之一, credit history降为原先的一半. 请问这会是FICO两周内掉30分的原因
么?
更诡异的是, Chase表示这两张卡完全正常，也一直被正常上报给信用局.而Experian的
客服表示，他们在系统中可以看到我那两张卡的完整记录. 至于为何我在信用报告中看
到"unkn... 阅读全帖 |
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W***n
发帖数: 11530 | 4 6 Muscle Cars That Everyone Wants No Matter the Cost
Eric McWhinnie Google+ Twitter MORE ARTICLES
January 15, 2017
several muscle cars race outside of town
Nothing ignites the adrenal glands while sitting in the driver’s seat like
an American muscle car. Powerful engines. Masculine body designs. High-
performance driving. Plenty of enjoyment waits to be had on the open road.
Muscle cars have gained popularity in recent years, but how are cash-
strapped Americans affording them?
According to a ... 阅读全帖 |
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b**********i
发帖数: 1059 | 5 仔细看了一下experian跟其他两家bureau比起来credit report很不同。experian上
balance确实是0，其他两家有80.
credit limit也不一样，trans union 和equifax 有50K， experian只有16K。
分数 733 736 722（experian）。这是因为大家报告的内容不一样，还是有错误可以要
求experian根正。 |
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s***0
发帖数: 1106 | 6 56
Your AutoCheck Vehicle History Report
2002 Toyota Corolla CE / LE / S
Report Run Date: 2010-11-02 21:11:53.284 EDT
VIN: 2T1BR12E32C525009
Year: 2002
Make: Toyota
Model: Corolla CE / LE / S
Style/Body: Sedan 4D
Class: Small Car - Economy
Engine: 1.8L I4 EFI
Country of Assembly: Canada
Vehicle Age: 8 year(s)
Calculated Owners: 3
Calculated Accidents: 0
Last Reported
Odometer Reading: 48,660
This vehicle's AutoCheck Score
The AutoCheck Score is a summary of your vehicle's histor... 阅读全帖 |
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p********g
发帖数: 8855 | 7 http://52internet.net/autocheck/vin/1FMYU02132KD26553
Your AutoCheck Vehicle History Report
2002 Ford Escape XLS
Report Run Date: 2010-11-11 22:55:55.197 EST
VIN: 1FMYU02132KD26553
Year: 2002
Make: Ford
Model: Escape XLS
Style/Body: SUV 4D
Class: CUV - Entry Level
Engine: 3.0L V6 SFI
Country of Assembly: United States
Vehicle Age: 8 year(s)
Calculated Owners: 2
Calculated Accidents: 1
Last Reported
Odometer Reading: 88,534
This vehicle's AutoCheck Score
The AutoCheck Score is a ... 阅读全帖 |
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t****o
发帖数: 856 | 8 AutoCheck.com
AutoCheck Vehicle History Report
2008 Chevrolet Cobalt LS
Report Run Date: 2010-12-28 19:21:40.276 EST
Report Summary
* Class: Small Car - Economy
* Engine: 2.2L I4 MPI
* Country of Assembly: United States
* Vehicle Age: 2 year(s)
* Calculated Owners: 2
* VIN: 1G1AK58F687190709
* Year : 2008
* Make : Chevrolet
* Model: Cobalt LS
* Style/Body: Sedan 4D
This Vehicle's AutoCheck Score
The AutoCheck Score i... 阅读全帖 |
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t****o
发帖数: 856 | 9 AutoCheck.com
AutoCheck Vehicle History Report
2008 Chevrolet Cobalt LS
Report Run Date: 2010-12-28 19:21:40.276 EST
Report Summary
* Class: Small Car - Economy
* Engine: 2.2L I4 MPI
* Country of Assembly: United States
* Vehicle Age: 2 year(s)
* Calculated Owners: 2
* VIN: 1G1AK58F687190709
* Year : 2008
* Make : Chevrolet
* Model: Cobalt LS
* Style/Body: Sedan 4D
This Vehicle's AutoCheck Score
The AutoCheck Score i... 阅读全帖 |
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s***0
发帖数: 1106 | 10 did you check your mail?
Your AutoCheck Vehicle History Report
2002 Ford Focus ZTS
Report Summary
Class: Small Car - Economy
Engine: 2.0L I4 SFI
Country of Assembly: United States
Vehicle Age: 9 year(s)
Calculated Owners: 4
VIN: 1FAFP38382W307119
Year: 2002
Make: Ford
Model: Focus ZTS
Style/Body: Sedan 4D
This vehicle's AutoCheck Score
56
The AutoCheck Score is a summary of your vehicle's history. It lets you
compare similar vehicles with ease.
About the AutoCheck Score
This vehicle does not qua... 阅读全帖 |
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s****t
发帖数: 117 | 11 <
Class: Small Car - Economy
Engine: 1.6L I4 SFI
Country of Assembly: United States
Vehicle Age: 14 year(s)
Calculated Owners: 3
This vehicle's AutoCheck Score
The AutoCheck Score
is a summary of your
vehicle's history. It lets
you compare similar
vehicles with ease.
This vehicle does not qualify for Buyback Protection
Unfortunately, this vehicle does not qualify
for our Buyback Protection program.
About Buyback Protection
1997 Geo Prizm Base / LSi
Report Run Date: 2011-01-15 00:43:05.281 EST
VI... 阅读全帖 |
|
U********d
发帖数: 577 | 12 Your AutoCheck Vehicle History Report
2003 Honda Accord LX
Report Summary
Class: Mid Range Car - Standard
Engine: 2.4L I4 MPI
Country of Assembly: Japan
Vehicle Age: 8 year(s)
Calculated Owners: 1
VIN: JHMCM56333C020132
Year: 2003
Make: Honda
Model: Accord LX
Style/Body: Sedan 4D
This vehicle's AutoCheck Score
64
The AutoCheck Score is a summary of your vehicle's history. It lets you
compare similar vehicles with ease.
About the AutoCheck Score
This vehicle does not qualify for Buyba... 阅读全帖 |
|
s***0
发帖数: 1106 | 13 Your AutoCheck Vehicle History Report
2008 Toyota Matrix Base / XR
Report Summary
Class: Small Car - Economy
Engine: 1.8L I4 EFI
Country of Assembly: Canada
Vehicle Age: 3 year(s)
Calculated Owners: 3
VIN: 2T1KR32E48C688644
Year: 2008
Make: Toyota
Model: Matrix Base / XR
Style/Body: Hatchback 4D
This vehicle's AutoCheck Score
42
The AutoCheck Score is a summary of your vehicle's history. It lets you
compare similar vehicles with ease.
About the AutoCheck Score
This vehicle does not q... 阅读全帖 |
|
s***0
发帖数: 1106 | 14 Your AutoCheck Vehicle History Report
2004 Toyota Corolla CE / LE / S
Report Summary
Class: Small Car - Economy
Engine: 1.8L I4 EFI
Country of Assembly: United States
Vehicle Age: 7 year(s)
Calculated Owners: 2
VIN: 1NXBR32E64Z225865
Year: 2004
Make: Toyota
Model: Corolla CE / LE / S
Style/Body: Sedan 4D
This vehicle's AutoCheck Score
87
The AutoCheck Score is a summary of your vehicle's history. It lets you
compare similar vehicles with ease.
About the AutoCheck Score
This vehicle d... 阅读全帖 |
|
i*****t
发帖数: 24265 | 15 AutoCheck.com
Your AutoCheck Vehicle History Report
2000 Acura TL
Report Run Date: 2011-02-04 20:58:48.802 EST
Report Summary
* Class: Upscale - Near Luxury
* Engine: 3.2L V6 EFI
* Country of Assembly: United States
* Vehicle Age: 11 year(s)
* Calculated Owners: 1
* VIN: 19UUA5666YA017321
* Year: 2000
* Make: Acura
* Model: TL
* Style/Body: Sedan 4D
This vehicle's AutoCheck Score
The AutoCheck Score is a summary of y... 阅读全帖 |
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f********h
发帖数: 18 | 16 Autocheck:
Class: Mid Range Car - Standard
Engine: 2.5L I4 MPI
Country of Assembly: United States
Vehicle Age: 3 year(s)
Calculated Owners: 1
This vehicle's AutoCheck Score
The AutoCheck Score
is a summary of your
vehicle's history. It lets
you compare similar
vehicles with ease.
This vehicle does not qualify for Buyback Protection
Unfortunately, this vehicle does not qualify
for our Buyback Protection program.
About Buyback Protection
2008 Nissan Altima S
Report Run Date: 2011-02-21 19:22:17.15... 阅读全帖 |
|
q**3
发帖数: 114 | 17 What does the "transmission serviced" mean? 是否说transmission坏过，换的新的？
Full History
Below are the historical events for this vehicle listed in chronological
order. Any discrepancies will be in bold text.
Report Run Date 2011-12-12 11:26:54.535 EST
Vehicle: 2000 Cadillac DeVille (1G6KD54Y2YU346911)
Event dateLocationOdometer readingData SourceDetails
02/08/2001 FL 16,743 Motor Vehicle Dept. ODOMETER READING FROM DMV
02/08/2001 TAMPA, FL Independent Source VEHICLE IN DEALER INVENTORY
03/01/2001 NAPLE... 阅读全帖 |
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b***3
发帖数: 1482 | 18 Your AutoCheck Vehicle History Report
2002 Infiniti I35
Report Run Date: 2011-12-29 17:26:25.822 EST
Report Summary
Class: Mid Range Car - Premium
Engine: 3.5L V6 MPI
Country of Assembly: Japan
Vehicle Age: 9 year(s)
Calculated Owners: 2
VIN: JNKDA31A42T023630
Year: 2002
Make: Infiniti
Model: I35
Style/Body: Sedan 4D
AccidentCheck
Reported accidents: 2
Title and ProblemCheck
Major title or other problem(s) reported
OdometerCheck
Your vehicle checks out!
Last Reported Odometer Reading... 阅读全帖 |
|
b***3
发帖数: 1482 | 19 Your AutoCheck Vehicle History Report
1997 Nissan Altima GLE / GXE / SE / XE
Report Run Date: 2011-12-30 23:23:34.043 EST
Report Summary
Class: Mid Range Car - Standard
Engine: 2.4L I4 EFI
Country of Assembly: United States
Vehicle Age: 14 year(s)
Calculated Owners: 5
VIN: 1N4BU31D0VC264847
Year: 1997
Make: Nissan
Model: Altima GLE / GXE / SE / XE
Style/Body: Sedan 4D
AccidentCheck
Reported accidents: 0
Title and ProblemCheck
Major title or other problem(s) reported
OdometerCheck
You... 阅读全帖 |
|
d****n
发帖数: 397 | 20 AutoCheck.com
Your AutoCheck Vehicle History Report
2005 Acura TL
Report Run Date: 2012-01-13 16:34:48.362 EST
Report Summary
Class: Upscale - Near Luxury
Engine: 3.2L V6 EFI
Country of Assembly: United States
Vehicle Age: 7 year(s)
Calculated Owners: 1
VIN: 19UUA66275A001000
Year: 2005
Make: Acura
Model: TL
Style/Body: Sedan 4D
This vehicle's AutoCheck Score
The AutoCheck Score is a summary of your vehicle's history... 阅读全帖 |
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s******s
发帖数: 1602 | 21 Welcome to AutoCheck Page 1 of 6 Page 1 of 6
Your AutoCheck Vehicle History Report
2004 Toyota Sienna Limited / XLE
Report Run Date: 2012-01-16 21:17:32.870 EST
Report Summary
VIN: 5TDZA22C64S064716 Class: Van -Mini
Year: 2004 Engine: 3.3L V6 MPI
Make: Toyota Country of Assembly: United States
Model: Sienna Limited / XLE Vehicle Age: 8 year(s)
Style/Body: Wagon 5D Calculated Owners: 3
AccidentCheck
Reported accidents: 2
Title and ProblemCheck
Major title or other problem(s)
reported
OdometerChec... 阅读全帖 |
|
g********d
发帖数: 19244 | 22 竟然还是salvage title
Welcome to AutoCheck Page 1 of 6 Page 1 of 6
Your AutoCheck Vehicle History Report
2004 Toyota Sienna Limited / XLE
Report Run Date: 2012-01-16 21:17:32.870 EST
Report Summary
VIN: 5TDZA22C64S064716 Class: Van -Mini
Year: 2004 Engine: 3.3L V6 MPI
Make: Toyota Country of Assembly: United States
Model: Sienna Limited / XLE Vehicle Age: 8 year(s)
Style/Body: Wagon 5D Calculated Owners: 3
AccidentCheck
Reported accidents: 2
Title and ProblemCheck
Major title or other problem(s)
re... 阅读全帖 |
|
g********d
发帖数: 19244 | 23 AutoCheck Vehicle History Report
2015 Volkswagen GTI S
Report Run Date: 2014-08-20 13:49:40.521 EDT
Report Summary
Class: Sport Car - Touring
Engine: 2.0L L4 Unleaded Gas
Country of Assembly: Mexico
Vehicle Age: N/A
Calculated Owners: N/A
VIN: 3VW4T7AU3FM008681
Year : 2015
Make : Volkswagen
Model: GTI S
Style/Body: Hatchback 2D
This vehicle qualifies for Buyback Protection
This vehicle has no Score.
There is no AutoCheck Score available for this vehicle.
This vehicle does not qualify for Buyback... 阅读全帖 |
|
s*******n
发帖数: 4605 | 24 我几年前为了认证paypal的身份不得不提供Experian的SSN证明，可是Experian偏偏说
我的SSN没有issued，然后我跑了好几趟SSA，等了几个月，把新的证明寄过去Experian
那里。结果我的SSN状态变成了SSN was used before it was used.我当时彻底无语了
，后来发现用一张信用卡就可以在paypal那儿验证身份，就没有再搭理Experian了。至
今我都没有搞明白这是怎么回事。 |
|
d***o
发帖数: 7006 | 25 今天查Experian的credit report，发现上面有个account显示我从去年9月份开始欠了
191刀没还，根据上面的显示，这个账户最早是属于一家叫Direct Brands Inc Music
Service的公司，现在转到一家叫National Credit Solutions的collector那。我从来
不知道这个有这个帐号存在也从没这家公司买过任何东西，而且这个帐号也只在
Experian的report上，其他report上没有。
Experian的信用分数大受影响，已经马上在Experian上dispute这个账户了。
请各位大侠指教一下，现在还有什么可以做的，万一dispute输了是不是就要把这帐给
背了？这个帐根本就不是我的，背了不甘心啊 |
|
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x*********n
发帖数: 28013 | 27 The Top 10 Credit Mistakes
By John Ulzheimer for Credit.com
1. Closing Credit Cards Accounts
Some of you may wonder why Closing Credit Cards is number one on this list
as the biggest credit mistake even above Missing Payments. In fact, closing
credit cards is almost as bad of an idea to increase your credit scores as
missing payments, but it is also a clear number one on the list of credit
myths. It is perhaps the most common piece of advice that consumers are
given when they ask,” How can I inc... 阅读全帖 |
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x*******g
发帖数: 523 | 29 一般各人的三大信用报告上hard pull的数量不尽相同, 有时某个信用报告被hard pull
的比例原大于其他两家. 如何平衡三大信用报告上的hard pull???
抽空研究了 credit security freeze 及其对平衡三大信用局hard pull数量的作用.
总结如下:
1) security freeze的含义及其作用?
通俗地讲，"secruity freeze"是你主动给你的credit report "上锁" 以对其进行保护
. 从而, 任何第三方机构（如银行: AMEX, Chase）需要得到你的授权才能"hard pull"
你的credit report.
注1: 通过第三方（如银行）的网络链接或者邀请信申请信用卡或者贷款时，第三方并
未(以默认的方式)得到你的授权，也无法hard pull被security freeze的credit
report.
注2: sercurity freeze 无法阻止你现有信用账号的提供者(your existing creditor,
如AMEX, Chase)对你credit report进行soft pull... 阅读全帖 |
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s**n
发帖数: 425 | 30 Sharing experience and tips here
Background: I did not apply for any credit card in 2012 due to refinance and
applied 9 cards in Jan 13, now it's time for another round of churn.
My thought process:
1) All banks except barclay (citi, amex, us bank, chase, Boa) pull experian
in my state. My strategy is to force them to pull other bureas using
freezing technique so that the credit impact is minimum.
2) I will also limit # of inquiries by having multiple applications with the
same bank during the s... 阅读全帖 |
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l*****w
发帖数: 7 | 31 上月底申请citi hilton被秒据，reconsider又被拒，说是Experian上近期Inquiries太
多。去看了一下，发现了几个问题，请教各位。
1. Experian上这两年有11个inquiries，但最近6个月只有3个，能argue吗？如何argue？
2. 据说chase同一天申请多卡只有一个Hard Pull。我2月同一天申请了UA和SW Plus，
结果Experian上出现一个，Equifax也出现了一个。3月只申请了SW Premier，结果
Equifax和Experian各出现了一个。请问各位知道这是什么情况吗？ |
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d****n
发帖数: 30 | 32 昨天申请了一下blue sky from american express，结果被拒了，被拒的理由居然是We
have been unable to obtain your consumer credit bureau score from the
agency(ies) identified below.
The consumer credit reporting agency provided the following information
regarding your credit file:
The Profile report does not contain any tradelines that have been open for
at least six (6) months.(Experian)
但是我有其他的信用卡，只是开卡时间不到六个月，也上网付费查过credit score（大
众值），难道american express要其他卡开了六个月后才能申请，他家就这么变态难申
吗？或者还是experian的记录有问题？不过我查了experian direct的，... 阅读全帖 |
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h*******n
发帖数: 4 | 33 我在印第安纳普渡大学读书，拿到SSN一年多了，有一点想更换我的手机，所以跑去ATT
签合同。店员告诉我，我的CREDIT REPORT有个discrapency。要我跟EXPERIAN联系，我
试图联系EXPERIAN，但每次他的客服都要我提供一份CREDIT REPORT NUMBER。我试图订
购这个CREDIT REPORT，然后EXPERIAN又告诉我我的record有个mismatch，所以不给我
report。
我跑去IRS，想查查时不时有人和我同名搞错了，IRS给我一份证明，说什么都没问题。
我在联系EXPERIAN，他就是不给我report。
MAN~MY LIFE SUCKS。
各位高人能不能给我支个招，我到底该找谁work through这个问题？现在的情况有点死
循环，想解决问题需要CREDIT REPORT，想要report必须没有mismatch，想弄明白
mismatch有需要report......
HELP~~~~~~~~ |
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w*********r
发帖数: 42116 | 34 八千还好了，一个月的工资，和美国差不多。
The Average Credit Card Limit
https://smartasset.com/credit-cards/the-average-credit-card-limit
The Average Credit Card Limit
According to Experian data, the average credit card limit as of December
2016 was $8,071. That’s relatively unchanged from December 2015, when the
average credit card limit was $8,042. As you’ll see below, there is a wide
range in credit card limits because consumers with low credit scores can’t
access high limits.
The Average Credit Limit by Credit S... 阅读全帖 |
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s******t
发帖数: 1956 | 35 信用报告发现了错误之后
Broker：
I left another voicemail for the Underwriter and waiting to hear back
from her. I will follow up with her every hour until I reach her. I also
contacted the credit agency and explained your situation. In order to
resolve the issue, you have two options:
1. I can order a rapid update. The cost is $120 and it will take 48-
72 hours. I will need a copy of your social security card in order to file
this. I will send you a PayPal if you’d like to proceed with this o... 阅读全帖 |
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s********n
发帖数: 442 | 36 我昨天收到discover邮件，说我最近申请查experian的credit report and score，实
际上我好像根本没有申请查，但是
discover又说他们查不到，因为experian没有我的信息或者信息不符合，我就打电话去
discover问，他们说如果是信息不
符合的缘故，那这样我用这张卡还会增加credit score么？需不需要打电话跟experian
核实一下？ |
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e******g
发帖数: 7 | 37 今天刚收到Experian的credit report.
我只有一张信用卡，但是SSN下确有6个account，有的closed，有的still active，甚
至能看到
recent balance。更不可思议的是其他五个account都是在我拿到SSN的一、两年前开的。
Personal information里面还看到一个不是自己的名字和若干与自己不相干的地址。
Experian提醒说your SSN was issued after the established credit.
我已经给SSA打了电话，他们说只能帮我查这个SSN是不是属于我，结果是positive的。
请问大家这是怎么回事儿？
我需要一项一项跟Experian dispute吗？那另外两家的report会不会出现同样的问题？
还是需要
跟什么其他机构report this problem?
新手上路，问题颇多，还请版上达人帮忙。 |
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j******n
发帖数: 2644 | 38 The same experience on the Experian.
I also found my information was combined with several people recently, but
Equifax and Transunion are correct.
I gave the call to Experian and finally they deleted the other information
and only left mine. Although I have received the confirmation letter for the
dispute, I still not sure if my credit report has been really corrected.
Anyway, Experian is the worst no doubtly.
For you, I think you give them call for dispute one by one and remember to
provide th |
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n*********e
发帖数: 2289 | 39 The reasons you did not score well were:
Your debt with other creditors relative to the available credit as indicated
by Experian.To better understand the information in their files please
contact Experian at Box 2002, Allen, TX 75013 or 888-397-3742.
The average of your payments in relation to the balance on your American
Express account(s)
Our assessment of your monthly payments in relation to outstanding debt on
credit card accounts, as indicated by Experian.To better understand the
informa |
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j****c
发帖数: 19908 | 40 我可以打电话给Experian要credit report吗？
Experian
P.O. Box 2002
Allen, TX 75013-0036
1-888-EXPERIAN (1-888-397-3742) |
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i*********e
发帖数: 5295 | 41 三大信用机构差很远么？
前几天AMEX给出免费查信用分的衔接，查了下，是 EXPERIAN的，
里面只有信用卡的账号及消费BALANCE等等，显示一年之内ENQUIRY
一共5次，可是我光被CHASE拒过的信用卡就有3到4次！里面一次也没记录！
有一次被CAPITAL ONE拒的记录有，SPG个人卡申请成功的记录有，但是SPG BIZ
卡被拒的记录没有。2周前申AA 35000被拒记录也没 电费的credit check
CSV很清楚说是soft pull的，不过却有记录是hard pull.......
EXPERIAN显示我有718分，诡异的是我CHASE三四次被拒时都是check EQUIFAX的记录！
我目前手头有的三张卡申请成功的时候都是 check 的 experian的记录！
难道EQUIFAX里面我信用记录没有？或者被毁了？ 达人指点下我改怎做 |
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b******a
发帖数: 437 | 42 http://www.experian.com/
Experian现在有这个活动，可以1刀看自己的report和score
可以看到experian一家的分数
不过记得要7天内取消所谓的membership啊
要不然以后每个月收15刀！
切记切记！ |
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l****n
发帖数: 711 | 43 补充一个Experian的bug
Experian的credit report看过之后，有个报告的号，到它网站点那个review credit
report again（3个月之内有效）是可以再下新的报告的。然后用这个新的报告号又有3
个月有效期可以免费看下一份。。。只要登陆间隔不超过3个月，这个Experian的
report想看多少看多少 |
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w****n
发帖数: 50 | 44 我发现Experian的信用报告里有两个DTE（电力公司）的账户，并且个人信息里还多了一个曾用名。我去核实过，那个额外的DTE账户就是那个名字开的。然而这个名字和我自己的名字很像，并且我曾经和那人住过同一个地址的（同一building但是不同的楼层不同房间），所以应该是谁搞错了。我在那个地址只住过2个月时间，是sublease的房间，我本身没在那个地址开过DTE的账户，但是有开过银行账户。大家知道怎么去掉这个信息吗？
因为这个账户去年曾经晚交过账单，所以我现在信用分降了好多，车保险也长了不少。我在Experian的网上提交过一个申诉，说那个账户不是我的，但是最后处理结果是没改。我打了无数电话去DTE让他们帮我改回来，因为是他们公司报上去才有的吧。他们自己也确定那个账户确实不是我的，他们自己系统里没问题，但是就是不能帮我改我信用记录。他们说要改必须让我提交一个什么信用信息被盗的申诉表，说明信息被盗，还有警局报告。但是，我本身信息没有被盗，警局说要证明材料才能立案，不给开报告。所以我不可能拿到报告。
请问大家我到底该找谁？是再去Experian的网上提交申诉，还是只有再找DTE去改？
谢了... 阅读全帖 |
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w****n
发帖数: 50 | 45 Experian网上找不到电话啊。之前网上dispute没用。所以只能联系
DTE。有谁知道Experian dispute 电话号码吗？
主要现在也搞不清到底谁能负责，有人好像说那个信息是
DTE报上去的，所以他们才能要求Experian改。但是我也不清楚那个才对 |
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y***m
发帖数: 7027 | 46 thanks! 刚又细看了，从 https://www.credit.com 上到了一份
creditkarma和credit。com上不大一样，credit.com更好，虽然分数更低了只有 654(
karma是675),告诉了原因:
Helping Your Score Equifax Experian TransUnion
Your payment history is excellent. Helps Your Score Not
Applicable Not Applicable
Hurting Your Score Equifax Experian TransUnion
There is insufficient information about mortgage accounts. Hurts Your
Score Not Applicable Not Applicable
The outstanding balance on your... 阅读全帖 |
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g**n
发帖数: 25142 | 47 版上TX看看，有问题吗？
1. 谁保存我的信用记录？
在美国有三家credit bureau。它们是Equifax, Experian和TransUnion。
Equifax
P.O. Box 105873
Atlanta, GA 30348
http://www.equifax.com
(800) 685-1111
Experian (formerly TRW)
P.O. Box 2104
Allen, TX 75013-2104
http://www.experian.com
(888) 397-3742
Trans Union
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
http://www.transunion.com
(800) 916-8800 or (800) 888-4213
2. 信用报告里有什么？
个人信息：
姓名、社会安全号、生日、现住址、以前的住址、雇主信息等。
信用卡、房屋贷款、分期贷款：
帐号、状态、开户日期、余额(balance)、
信用额(Credit Line or Cre... 阅读全帖 |
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e****u
发帖数: 1435 | 48 前一阵申请了freedom卡。结果悲剧了。然后就接着申请了citi divend，结果又悲剧。
今天打电话给chase reconsider，我告诉她experian有详细记录（他们查的transunion，貌似我
就只有experian比较全），很nice的rep直接就给批了。
然后接着就受到了citi divendend悲剧的消息。打电话过去要他reconsider，他说他们
查的equifax，记录很少。
那有没有必要要他们再pull一下experian，然后reconsider？有人说citi reconsider成功很少，
如果要再pull的话我不知道值得否？
来美一年，最近pull了fia amex，chase freedom都成功了。有没有必要再pull一下
ciit的这样，主要不知道用处大不大，貌似他也有5%的quarterly shopping，尽管我shopping的
也不多？反正打算接下来就安心养卡了。
好建议的，给包子。谢谢~ |
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m*******e
发帖数: 297 | 49 谢谢，刚注册看了下，三家分数差别好大啊，Experian只有600多分。。。。里面只有
一个账户，但是却有十几个inquiries
好像申请的信用卡几乎全是从Experian pull的，Experian里面却没有这些卡的历史，
总的credit limit也特别低，太郁闷了:( |
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l*****a
发帖数: 180 | 50 第一次申请信用卡被拒。其实前几天也收到了AMEX的mail的offer code，但是没有想到
还是杯具了...
从mitbbs上面的网页的链接进去的。 刚才打了电话，agent说的原因也都是网页上的那
几个：
1. Amount of credit available on accounts (Experian)
2. High utilization of credit lines or insufficient utilization
information
(Experian)
3. In our estimation, the amount you have paid on your bank and retail
credit card accounts over the last twelve months is too low. (Experian)
4. Your FICO? score
但是怎么感觉说的跟自己的情况都不太对啊。 刚才要求reconsider也不行。 以前申过
信用卡3次，从来没有被拒过。接线员说他们有自己一套评估标准，跟其他信用卡公司
不一样....... 阅读全帖 |
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