General Credit Topics

myFICO® Forums

Strange Remark on Equifax

by on Latest post on by

3 Replies 408 Views

3 Replies

408 Views

Delay between Report Date & Score Update?

by on Latest post on by

4 Replies 581 Views

4 Replies

581 Views

2 Part Question - Credit Validation & CRA removal

by on Latest post on by

12 Replies 769 Views

12 Replies

769 Views

Will an "attorney fee" civil judgment go on my cre...

by on Latest post on by

13 Replies 1913 Views

13 Replies

1913 Views

How hard does TU try???

by on Latest post on by

1 Reply 791 Views

1 Reply

791 Views

Is this reporting correctly?

by on Latest post on by

1 Reply 1532 Views

1 Reply

1532 Views

Labels

0 1
1037 1
1099-C 1
18 2
180 day grace period 1
19 1
19 year old 1
30 day 1
30 day late 1
524 Rule 1
700 club 3
800 4
850 FICO 1
AAFES 1
AAOA 10
Aaron's 1
access checks 1
Account 1
account clouser 1
Account Number 1
account review 1
address 2
address change 2
adverse accounts 1
Advice 5
advice needed 1
affirm 1
age 2
age Credit closing card 2
Alaska airlines Bank of America 1
alert 1
alerts 6
Alias 1
alien 1
Alliant 3
amazon 2
Amazon Net 55 1
amazon store card 2
Amazon Synchrony 1
American Express 11
american express platinum 1
amex 11
Amex 3xCLI 2
amex affecting fico score 1
AMEX BCE 1
Amex Blue Cash Everyday 2
Amex Blue Cash Preferred 1
Amex Cash Magnet 1
Amex Cli 1
Amex credit increase revolvers 1
Amex Delta sky miles 1
Amex Gold 3
amex platinum 2
amount you owe 1
and etc 1
Angry and Frustrated Scores dropped 1
annual credit report 2
annual fee 1
AOD FCU 1
apartment 1
Apartment Renting 6
app 2
App Spree 46
App spree Approvals Gardening 2
Apple 2
Application 3
Application approval 2
Application Help 1
application rules 1
Applications 1
applying 2
approval 5
Approval odds 6
Approvals 2
Approved 2
approved cli 1
APR 5
APR CLI 1
APR PLOC 1
arbitration 1
Arrival 1
assessed fees 1
AT&T 1
att 2
AU 5
Authorized User 33
Authorized user is filing for BK 1
Auto CLI 1
Auto lease 2
Auto Lending 1
Auto Loan 14
auto loans 4
Auto purchase 2
Auto refinance 5
Auto repo 1
Auto-generated applications 1
automotive 1
Autopay 1
AZEO 7
Backdoor 1
Backdoor number for Recon 1
bad credit 2
balance 6
balance tracking 1
Balance Transfer 37
Bank of America 9
bank trust 1
Bankcrupties Credit 1
Banking 12
Bankruptcy 20
Bankruptcy and Credit Cards 2
Bankruptcy Chapter 7 4
Bankruptcy. Fico score 1
banks 2
banrupcty 1
Barclay Card 1
barclaycard 1
Barclays 2
BBVA Compass 1
BCA FINANCIAL SERVICES 1
best buy visa 1
Best Buy Visa Citi 1
Best Egg 2
BEST LINES OF CREDIT 1
bill 3
bill pay 1
billing cycle 1
billing error 1
bk 2
Bk 13 1
Black Market Surveillance 1
BMW 1
BOA 6
BOA Travel Rewards Approved 2
BofA 4
boost 1
Brokerage Account 1
Budgeting 3
build credit 1
Building 2
building credit 9
bureau 1
Bureau reporting 3
Bureaus not reporting credit lines 4
business credit 1
Business Credit Approval 1
business line of credit 1
Calculation 1
cancel credit check total 1
Cap 1 1
Cap One 4
cap1 2
Capital One 21
Capital One CLI 1
Capital one QS 1
capone 1
car 4
Car buying 1
Car Insurance 1
Car Loan 8
car note 1
Card 3
Card Acquisition Risk Score 1
cards 3
Care Credit 2
Care Credit CLI 1
Carrying high balance 1
CARS 2
cashback 1
CB reporting 1
CBIS 1
CBR 1
cc 2
Cc charge off 1
CC Utilization 3
Cct 9
Certified mail 1
CFA 3
cfpb 3
chapter 7 1
charge card 1
charge cards 1
charge off 13
Charge offs 6
Charge-off 3
Charges 2
Chase 23
Chase Amazon 1
Chase Approval 1
Chase bank 1
Chase card help needed!!! 1
chase freedom 2
Chase Freedom Unlimited 1
Chase Sapphire Preferred 1
Chase Sapphire Preferred 30 day Message 1
Chase Sapphire Reserve 1
Checking 2
checking accounts 1
checking plus 1
Chexsystem EWS Credit 1
child support 1
Child Support Score Reporting 2
citi 3
Citi AAdvantage 1
Citi Best Buy 1
Citi Diamond 1
Citi Website 1
Citibank 4
Citizens bank 1
citizens one 1
Civil Judgement 1
cli 2
CLI Capital One 2
CLI increase 2
CLIs 3
Close 1
closed 1
closed account 1
closed accounts 5
closed credit card 6
Closing 1
closing accounts 1
closing cards 2
closing credit accounts 1
CO 2
CO account 1
Co-sign 2
Collecting 3
collection 9
collection account 6
Collection Agency 20
collection falsely reported 2
Collection Letter 3
collection removal 1
Collection reported in error 3
collections 31
Collections HELP 16
Collector verify debt letter 1
collectors 1
college 1
comcast 1
Comcast collection 1
Comenity 3
comparison 1
Complaint 5
consolidation loan 3
consumer complaint 1
consumer finance 4
Consumer statement 2
Contacting current creditors 1
convenience checks 1
Convergent 1
Corrections 1
cosign 1
Costco Anywhere Visa 1
Court 1
COVID-19 1
Cra 6
cra reporting 2
CRA's 2
credit 44
Credit & loan qualification 173
Credit age 2
credit alert 2
Credit application 1
Credit Approval 27
credit approvals 1
credit builder loan 2
credit building 6
Credit bureau 33
Credit Bureau Policy Changes 8
Credit bureau reporting 5
Credit bureaus 7
Credit Card 81
Credit card applications 4
Credit card applications credit cards 4
credit card approval 1
credit card approvals 1
Credit card car 1
Credit card closed 2
Credit Card Consolidation 6
credit card debt 5
Credit Card Dec 2
credit card offers 2
credit card payment 1
credit card payments 5
Credit Card Payments to CR 2
credit card reporting 1
credit card reporting collections close account 1
Credit Card Rewards 1
credit card utilization 3
credit cards 24
Credit Check 3
credit check total 8
credit check total reviews 1
credit check total scam 1
credit checks 3
credit counseling 2
credit denials 2
credit disputes 5
credit diversity 1
credit drop 2
Credit education 92
credit file 3
Credit Fraud 9
Credit freeze 6
credit help 1
credit history 4
Credit improvement 2
credit improvements 1
Credit in the News 3
credit increase 1
credit increase request 1
Credit inquiries 3
credit journey 1
credit karma 10
credit knowledge 1
Credit Limit 14
Credit limit increase 27
credit line increase 1
Credit Line Increase. 2
Credit Line Increase. Upgrade 1
Credit Lock 1
credit management 1
credit managing 4
Credit Mistakes 1
credit mix 3
Credit monitoring 68
Credit one 1
credit one bank 1
credit one closed 1
credit plateau 1
credit problems 2
credit pull 1
Credit rebuild 17
credit rebuilding 4
Credit Repair 12
credit repair help 7
credit report 52
Credit Report investigation 9
Credit reporting 61
credit reporting and lowering credit line for no reason that i can understand 1
credit reporting error 4
credit reports 18
Credit reports collections 6
credit repot 1
Credit requirement 1
credit score 54
Credit score decrease 1
Credit score fluctuations 7
credit score increase 1
credit scores 16
credit scores dropping 6
credit scoring 5
credit scrub 1
Credit sesame 2
Credit simulator 1
Credit Tanked 2
Credit Tracker 2
credit union 8
Credit Union Eligibility 1
credit unions 5
credit usage 1
credit utilization 3
creditcard 1
creditcards 2
CreditKarma 2
Creditor 4
creditt 1
creditwise 2
CSP 1
CUs 1
Customer Service 6
customer trust vs. lender trust 1
Dark web 1
Dark web monitoring 1
Data Breach 1
data furnisher 1
data point 1
dates 2
dcu 2
DCU Credit 1
dealership 1
debit card 2
debt 14
debt collection 7
debt collector 3
debt consolidation 4
debt free 2
Debt management 266
Debt Paydown 5
debt repayment 2
Debt to Income 4
debt validation 1
decrease 1
default 1
defaults 2
Deferral 1
delete 1
Deleting court records 1
delinquency 4
Deliquent payments 3
Denial 2
denied due to many inquiries 1
Dept Credit Consolidating 1
DEROG with UTIL% 1
Derogatory 6
derogatory mark 4
Derogs 1
digital wallet 1
Dillards 1
discharge 1
discoer 1
Discover 10
Discover balance transfer 1
DISCOVER CLI 3
Discover IT 3
Discover IT Approval 1
Discover secured 2
discrepancy 2
dispute 15
dispute process 6
Dispute threshold 1
Disputes 43
Disputing late payment 2
diversified consultants 1
Diversity 1
divorce 1
document 1
DOFD 6
Dog Sitting 1
Dog Walking 1
Drivetime 1
drop in experian score 1
Dropped Scores 3
DTI 5
DTI ratio 2
due date 1
due dates 1
early exclusion 5
education 1
EE 2
employer 1
Employer credit pull 1
employment 1
Enhanced Recovery 1
EQ: 761 EX: 709 1
equifax 47
equifax credit freeze 2
equifax dispute 3
Equifax Fraud dispute 5
Equifax free credit freeze 2
Equifax Updating File Recycled Social Security Number 1
errors 3
estimate 1
Etc... 1
eviction 2
EX VS3 1
Excel 1
Exeprian dispute online block 1
Experian 50
Experian app score 1
experian FICO 2
experian phone number 1
Experian. Dispute. 8
Extra Income 1
Failed to Pay 1
failure to pay 1
fair collection 1
FAKO 9
Family 1
family financing 1
FCDPA 1
fco 1
FCRA 11
FCRA violation 4
FDCPA 2
fdcpa lawsuit federal collection agency 1
FED loan 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 21
fico 2 1
fico 4 1
FICO 5 4 and2 2
fico 8 8
FICO announcement 33
FICO announcements 4
fico definitions 1
FICO Essentials 1B 2
FICO July 2020: Eq-626 Trans-631 Exp-614 1
fico mortgage 1
FICO Score 334
FICO Score 3B Report 5
FICO Score 9 28
FICO Score changes 586
FICO Score versions 204
FICO scores 4
FICO Scoring 15
FICO Ultimate 3B 4
Fico versions 1
FICO2 1
FICO8 Bankcard 1
finance 3
Financial Review 1
financial trouble 1
financing 2
First card 1
First Mortgage 1
first premier 1
First-time home buyer 4
fix 1
fixing my credit 2
flagged account 1
foreclosure 3
Foreclosure & Short sell 1
forums 1
Fraud 77
Fraud alert 10
fraud attempt 2
fraud dispute 3
Fraud protection 1
fraudulent 3
fraudulent account 1
free 1
free credit score 2
free FICO score 1
free score 4
free trials 1
Freeze 7
freeze credit 4
Frontline 1
Frozen and fraud alerts 3
full credit history 1
Full File Disclosure 1
Fun 1
furniture 1
Garden 1
Gardening 5
garnishment 1
GC Collections services 1
General credit 15
General Question 6
good credit 1
good will 1
Good Will Letter 2
goodwill letter 1
Goodwill removal 2
Google pay 1
graduate loans 1
great sports 1
Green Card 1
growing 1
GW letter 1
h 1
Hacked 1
hard 1
Hard inquiries 7
hard inquiry 5
hard money 1
Hard Pull 6
Hard pull inquiry 3
hard pulls 1
hardpull 1
HELOC 5
help 13
Help Boost my Credit 2
Help ME!!! 2
help with collections 3
Help! 5
high credit utilization 1
high interest 1
history 5
HOA 2
home 1
home depot 1
Home improvement 1
Home Mortgage 1
housing 2
how many cc's 1
HP 6
Hunter Warfield 1
Hutton chase 1
I hate closing points 1
identity 3
Identity fraud 11
identity guard 3
identity theft 27
idk 1
illegal 2
immigrant 1
Impact 1
impersonation 1
improve 1
improving credit 4
Inaccurate info on report 3
income 1
Income Verification 1
incompetency 1
incorrect 1
incorrect reporting 3
Increase 5
Increases 1
initial limits credit union usaa 1
Innovis 2
Inquiries 17
Inquiries FICO score 4
Inquiries Summary 3
inquiry 11
installment 1
installment loan 9
insurance 6
intent to sue 1
interest 3
interest fee 1
interest rates 3
internet 1
invalid debt 1
investigation 1
Investing 1
iphone loan 1
IRS 3
IRS Scams 2
Item remains 1
ITIN 1
joint account 2
joint borrowers 1
joint credit card 1
joint mortgage 1
journey 2
JP Morgan 1
judgement 4
Judgements 1
judgment 2
junk debt 1
Kohls 1
L 1
landlord 1
Large usage 1
Last Four 4 social security debt collector call verification 1
late 1
late alerts 1
late fee drop off 1
late payment 10
late payments 11
late reporting 3
Late to the Credit Party 1
Law 1
Law suit 1
lawsuit 4
learning curve 1
lease 5
legal 4
legal action 2
legal advice 1
legal fees 1
Legal timeline to a collection agency 1
lender 2
lending club 4
Length of time account have been established 2
Lexis Nexis 1
LexisNexis 6
lien removal 3
liens 1
LightStream 1
limit 1
Limit increase 1
Limited credit history 2
Line of Credit 7
lines of credit 3
LN 1
loan 7
loan and credits 4
loan applications 1
Loan approval 9
Loan company sold 1
loan payoff 2
Loancare 1
Loans 24
LOC 1
low income 1
Low Scores 3
Macy's Website 1
mailers 1
manufactured spending 1
many inquiries 1
Maryland 1
mastercard 2
maxed out 1
maximum 1
medical 5
medical bill 1
medical bills 4
Medical Collection 4
Medical debt 3
Medical debt collection 4
medical debts 1
Members 1
Membership 3
method of validation 1
mf 1
Mid cycle update 2
midcycle 1
Midland 1
Military Star Card Collections 1
Missed Payment. 1
mistake 1
mix 1
money management 1
money managing 1
monitoring 3
Mortage loan 3
mortgage 19
mortgage credit 5
mortgage credit raise score 1
mortgage default 1
Mortgage History 2
mortgage loan 10
Mortgage Transfer 2
Multi-charge off 1
Multiple reportings 1
My Story 1
myfico 11
MyFico 3Bplus credit report experience 2
Myfico account 2
Name Change 1
name variations 1
NASDAQ 1
national consumer assistance act 1
nationwide acceptance 1
Navient 1
Navy 1
navy federal 1
Navy Federal approval 1
Navy Federal Credit Union 1
Navy Federal Membership 1
ndc 1
need help 1
Need loan fast 1
Negative items or DEROG 152
Negative Remarks 3
negative reporting 1
nelnet 1
Net 30 account 1
Net 55 account 1
never late 1
new 1
New Account 1
new accounts 1
New approvals 1
New car loan while old shows balance 1
New CLI 1
new credit 3
New credit & loan 217
New credit & loans 2
New credit card 4
new home 1
New inquiry 1
new line of credit 1
new ssn 1
new to credit 3
newbie 3
Newegg 1
next steps 1
NFCU 10
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
NFCU CLOC 2
NFCU navy federal navy fed 1
Nfcu visa platinum 2
NMAC 1
no credit 2
no credit history 2
no credit while paying family for home loan 1
No dv letter response 1
no explanation 1
no ftf 1
no hard inquiry 1
no hard pull 1
non-FICO credit scores 119
Non-FICO Scores 1
Nordstrom Visa 1
Not more than 2 payments past due 1
nyc 1
NYSE 1
Of 1
off 1
off cycle update 2
Off-cycle update reporting Fico score improvement 2
old accounts 2
old debt 3
Old late payments 2
on record until 1
Online banking 2
only soft inquiry 1
Onsale 1
open 1
open credit 1
opt in 1
opt out 1
Opt-out 3
OptOut 1
Other 739
p2p loans 2
paid 1
paid as agreed 1
paid medical debt 1
Paragraphs added.. For human consumption. 1
past due 3
past due bills 1
pay for delete 1
Pay-for-delete 1
paydown 2
Paying off debt 5
payment 2
payment history 5
payment method 1
payments 3
payoff 2
Paypal 5
PayPal Cashback MasterCard 1
paypal collection 2
Paypal Credit 8
peer to peer lender 1
Pen Fed 4
Pen Fed approval 1
Pending 1
penfed 7
PenFed Auto Loan 1
PenFed Offers 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Perfect Score 1
persona loan 1
personal 1
personal finance 1
Personal finance apps 11
personal lines of credit 2
Personal loan 30
personal loans 9
pfd 1
Phone 3
Planning 1
Platinum Credit Card 2
Please Help 1
PLOC 3
PLOC APR REDUCTION 1
poor credit 1
portfolio 1
Pre Approval 5
pre-qualified 3
Premier Financial Credit Union 1
PRG 1
Primary card holder deceased 1
Privacy 1
private loans 1
problems 1
profiles 1
Propel. 1
prosper 3
Prosper Loan 1
public records 4
Question 18
questions 1
QuickSilver 1
quicksilver one 1
quizzle vantage 1
raise score 1
raising credit score up fast 1
Ratio 1
Rausch sturm israel enerson & hornik 1
Reaffrimation 1
rebuild credit 2
Rebuilding 18
Rebuilding and application advice 1
Rebuilding credit 14
Rebuilding Credit after Bankruptcy 3
Recon 1
recovery time 1
Redcard 2
refinance 4
Refinance of Rental Property 1
refunds 2
reinsert collection 1
relationship 1
relationship terminated 1
Remarks 1
remodel 1
Removal 4
Removal dates 1
removal from credit report 5
removal letter 1
removal of lates due to forebearance 1
remove 2
Remove State Liens 1
removed 1
removed collection 2
removing credit accounts 1
rent 5
rental 3
renting 2
repair 1
Repay 2
Report 1
report discrepancy 6
Report freeze 2
reporting 25
reporting dates 2
Reports 9
repossession 2
resident 1
restaurants 1
Retail cards 190
Revenue group 1
revolving credit utilization 1
revolving line of credit 2
reward cards 1
Rewards 5
Rewards cards 217
REWARDS CREDIT CARDS 1
roommate 1
Rosenthal 1
Rover 1
run 1
RV loan 2
saferwholsale 1
Santander auto 1
Saving 2
savings 2
savings account 2
Scam 5
scams 2
sccu 1
scheduled payment 1
score 16
Score and bankruptcy 1
score boost 1
score damage 3
score drop 6
score impact 3
Score improvement 449
Score Improvement. 4
score increase 3
Score ingredients 65
score late 1
Score updates 3
scores 8
Scores increase 3
scrores 2
SCT 1
SCT - easy come...easy go!!! 1
sd 1
secure credit card 1
secured 2
secured cards 2
SECURED CREDIT CARD 7
secured loan 4
security 1
security freeze 2
security-lapse 1
see 1
self 1
Self Lender 1
selflender 1
set to be deleted 1
settlement 2
Share lender credit builder credit loans 1
Shellpoint 1
shopping cart 1
Shopping Cart Trick 1
Shopping Cart Trick 2018 1
simulator 5
Sleepys 1
slow to report 1
small claims 1
Small claims court 1
sms 1
sms alertts 1
social security 1
sofi 3
Sofi personal loan 3
soft inquiries 5
Soft pull 7
soft pulls 3
SOL 1
split file 2
split files 2
spreadsheet 1
SSI 1
SSL 3
SSN 5
SSN Trace report 1
Star Card 2
State Tax Lien 1
statement 5
Statement close date 1
Statements 1
statue of limitations 3
statute of limitations 1
Stock Market 1
store card 1
store cards 1
Story 1
student 1
student loan 7
Student loan age of credit history 3
Student Loan Simulator 1
student loans 11
subprime cards 1
subscription 1
subscriptions 1
success 1
sue 2
sued 1
Sueing 1
Suggestions for BT card 1
sunrise credit services 1
superior rental purchase 1
SYNCB 1
Synchrony 4
synchrony bank 1
synthetic identity fraud 1
T mobile 2
target 2
Target Card 2
tax 2
tax lien 2
TCPA 1
Tequila Shots 1
Texas 1
Texas Debt Verification 1
Texas Guarentee 1
Thin 1
Thin File 1
third party debt collectors 1
Time since most recent account opening is too short 1
timeline 1
Timing 1
Too many credit cards 1
too many inquiries 1
too much available credit 1
tradelines 3
trades 1
traffic ticket 1
Trans-union TU score jumping 1
transunion 25
transunion dispute 6
Transworld Systems 2
tranunion dispute 1
Travel cards 73
Travel rewards 2
TSI 1
tu 6
TU: 777 1
Tuition 1
TX 1
types of loans to keep 1
U.S. Bank 2
Ultimate 3B 1
Ultra FICO 1
unusual behavior 2
update 2
updates 5
upside down 2
upstart 1
us bank 2
US Bank Premier Line of Credit 1
usage 2
utility 1
utilization 21
Uverse 1
VA 1
va loan 4
vantage 3
Vantage Score 6
VantageScore 5
Variance between OC & collections dates 1
vehicle repossession 1
Verification 3
verizon 2
Verizon Fios 1
victim 1
Victoria's secret 1
visa 2
VISA cards 2
visa signature 1
Volvo 1
Volvo Financial Services 1
WagWalking 1
Walmart 1
Walmart Synchrony 1
wayfair 1
Wells Fargo 3
wells fargo dealer services 1
Wells Fargo Propel 1
when is it 30 days past due 1
Which first for least impact on credit 1
Why did my Scores Drop 1
without hard inquiry 1
without hard pull 1
Wondering 1
Worried on getting denied 1
worth card to apply 1
Wrong address 1
You Can Get to 850 1
young 1
zero 1
zero balance 1
zombie debt 1

Topics with Label: Cra

Strange Remark on Equifax

Delay between Report Date & Score Update?

2 Part Question - Credit Validation & CRA removal

Will an "attorney fee" civil judgment go on my cre...

How hard does TU try???

Is this reporting correctly?