I just had a one hour discussion with a very knowledgeable person named Daphne who works with a company called (edited by Admin) This company is HIGHLY professional and trustworthy and are extremely patient. Daphne can explain things clearly and even provided insight into ways that they can "add" lines of credit to your report to help heal your credit. I am on this site today because Daphne advised me to pull my credit myself. She explained that this constitutes a "soft pull" in the eyes of the lender. Next I am going to send her a copy of my report and sign on for her services. I will keep you all posted on my progress if anyone is interested. Cheers!
Hvnsent309 wrote:Still can't seem to get a clear answer anywhere as to why there is such discrepancy between the 3... there is nearly a 50 point difference between the three reports and none of them have the all of the same accounts listed. Not only that, but 2 of them say that it is negative that my credit history is too short, yet the other says I have a long credit history which is a positive... It seems so stupid to me that I have to pray that they pull the credit with the highest score or I am screwed..You just answered your own question. Some lenders post to some bureaus and not others. Where you may have had something report to one it may not report to another which could be the explaination for your score. The only way to compare all three bureaus would be if the exact same info was reported on all three. That's why you have three scores. ost lenders comparing all three will likely go with the middle score.Depending on when the first active account reported can result in too shor or long credit history explaination. I wish they all had to communicate, I have a 10k loan that only shows on one bureau as wellas several smaller loans that never made it past equifax as this is the locally reporting bureau here.
HouseHunter wrote:I also have Credit Sync on this site and when disputing a credit report, it suggests that you request any accounts not list on your report to be added by the CB. It suggests that you even request your bank account be added to your report if you have new credit or I assume to rebuild as well.I wrote letters today to have mine added in the hopes that it will give me more positive history since my account is very old, still open/in use and with no issues in the past. If I am still here, which I'm sure I will be since this is my new life's mission, I will keep the forum posted on how my scores have been affected. That is, if any/all of the bureaus actually agree to add it. I assume it will be at least a month or so since the requests are by snail mail.I have several accounts only reporting to equifax even a paid of 10k loan. I have tried without success to have them added. LEt me know if you're successful and just how you went about it.