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Regular Contributor
Posts: 230
Registered: ‎04-11-2007
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Help - How to find everything on your credit report? There seems to be some hidden negative items.

Ok, I need help on where I can pull my credit report and see exactly what the people at the bank or broker see. Because I've pulled my credit report from all 3 places and don't see a few things that are showing up. I don't like being surprised and it has happened before when I went to get a car loan. A mysterious negative item popped up to them that I owed $65 to U.S. Bank. Which they never tried to contact me about, but that's not the point.
 
What system do they use to see these things I can't? And how can I get a full report with everything like that? It doesn't seem fair that they can hide these things untill you're ready to get a loan and then you've wasted your time because of the negative item denies you a loan.
 
Thanks ahead of time.
 
 
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Frequent Contributor
Posts: 328
Registered: ‎05-18-2007
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Re: Help - How to find everything on your credit report?

There shouldn't be anything "hidden."  You just have to make sure you have credit reports from all three CR's.  There are often things that only report to one agency and not the other.  If you have all three reports you should know everything they have.
Regular Contributor
Posts: 230
Registered: ‎04-11-2007
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Re: Help - How to find everything on your credit report?

hmm, but I've printed all 3 reports from all 3 CR's and they show everything is good
 
but when i went down to the place to get a car loan, it shows that i owe money
not from any credit cards or loans, but it shows i owe money to U.S. Bank for a ridiculous overdraft charge I assume.
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
0

Re: Help - How to find everything on your credit report?

[ Edited ]


Bruiser wrote:
hmm, but I've printed all 3 reports from all 3 CR's and they show everything is good
 
but when i went down to the place to get a car loan, it shows that i owe money
not from any credit cards or loans, but it shows i owe money to U.S. Bank for a ridiculous overdraft charge I assume.


First, pull all 3 of your reports from this website and they will comes with scores.  These are your FICO scores and are the only ones that matter.
 
Second, click the link below, credit 101, courtesy of Tuscani
 


Message Edited by fused111 on 06-08-2007 02:13 PM
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Regular Contributor
Posts: 230
Registered: ‎04-11-2007
0

Re: Help - How to find everything on your credit report?

I have my 3 scores and everything printed out.
 
The scores don't help much if I have negative items preventing me from getting a loan though.
 
Is this a different system that they pull from to get certain info like what is showing up. It's not just one place pulling that negative item either, it's many.
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
0

Re: Help - How to find everything on your credit report?



Bruiser wrote:
I have my 3 scores and everything printed out.
 
The scores don't help much if I have negative items preventing me from getting a loan though.
 
Is this a different system that they pull from to get certain info like what is showing up. It's not just one place pulling that negative item either, it's many.


What are your scores and what are the negatives?  Are there late payments, collections, judgments, charge offs, maybe high util on your cc's.  Believe me if I cannot help you others at this forum can.  We do want to help, just try and be specific about the negatives and please give dates.
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Regular Contributor
Posts: 230
Registered: ‎04-11-2007
0

Re: Help - How to find everything on your credit report?

transunion: 625
experian: 621
equifax: 642
 
i filed for bankruptcy 2 years ago
i have since cleaned up all items that needed to be taken off
 
my only concern is that there is a negative item showing up when i go to a car dealer or a mortgage broker that does not show up on any of my credit reports
 
the negative item is from U.S. Bank that I owe them $65 from 3/2004
i assume this is from an overdraft charge, but they never contacted me about, this bank account has been closed for years
this is not a credit card or loan from them
 
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Regular Contributor
Posts: 119
Registered: ‎04-23-2007
0

Re: Help - How to find everything on your credit report?

1.  Just contact the places that are getting this info and ask what credit record they are getting this info from 
2.  Contact them and explain.  See if they will remove it.  
3.  If not and it is worth it to you pay for it and get a PFD (Pay for Delete) or not (not everyone will consider it) but get a letter stating you have paid in full and send it to the places that the car company or morgage company are getting the info from. 
Valued Member
Posts: 48
Registered: ‎06-02-2007
0

Re: Help - How to find everything on your credit report?

Us Bank report to Chex Systems not to the credit bureaus.  I have all my accts with them and I noticed I had a balance due when trying to open a business acct. with them. 
Regular Contributor
Posts: 230
Registered: ‎04-11-2007
0

Re: Help - How to find everything on your credit report?

thank you ncyjse
 
know why they would pull from chex systems when trying to get a car/house? or is that normal?
 
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)

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