Reply
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Help - How to find everything on your credit report? There seems to be some hidden negative



Bruiser wrote:
 
Yeah, they showed me the report and I saw the U.S. Bank negative item
...
it has to be that chex system that is showing the U.S. Bank item.


Most likely it's Chexsystems, but there are others out there as well.
 
 
Innovis, Telecheck and Teletrack are the next most likely candidates.
Regular Contributor
Posts: 211
Registered: ‎04-11-2007
0

Re: Help - How to find everything on your credit report? There seems to be some hidden negative



Noah_Bodie wrote:


Bruiser wrote:
 
Yeah, they showed me the report and I saw the U.S. Bank negative item
...
it has to be that chex system that is showing the U.S. Bank item.


Most likely it's Chexsystems, but there are others out there as well.
 
 
Innovis, Telecheck and Teletrack are the next most likely candidates.


It was Chex Systems! I just got a letter back from them stating it showing on my Chex Systems report. That's the only negative item on it. Now I need to contact the bank and see what I can do. Would a GW letter work any magic?
 
Also, to get my report I just called it in and it took about 5 business days.
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Help - How to find everything on your credit report? There seems to be some hidden negative



Bruiser wrote:
 
It was Chex Systems! I just got a letter back from them stating it showing on my Chex Systems report. That's the only negative item on it. Now I need to contact the bank and see what I can do. Would a GW letter work any magic?


Is it legit adverse reporting? If so, you might give GW a try.
 
In the past at least, ChexSystems has been a bear to get things deleted--whether the furnisher deleted or the information was not correct. People have had to sue to get them to investigate and comply with FCRA. Things may have changed after the federal courts smacked 'em around a bit.
 
Regular Contributor
Posts: 211
Registered: ‎04-11-2007
0

Re: Help - How to find everything on your credit report? There seems to be some hidden negative

I'll try the Gw letter, thanks again.
 
Established Member
Posts: 14
Registered: ‎06-23-2007
0

Re: Help - How to find everything on your credit report? There seems to be some hidden negative

In the book Credit Scores & Credit Reports the author makes mention of "raw data in credit reports - regularly scored by FICO scoring models - that are never seen by consumers because these data do not appear on their credit reports.  These raw data show up on machine readable credit reports used by lenders and their scoring models, but not on the more familiar reports disclosed to consumers".  I have not seen any other book talk about or elaborate on what information that secret data contains.
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Help - How to find everything on your credit report? There seems to be some hidden negative

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.