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goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 4201

1463 Magic Points

Subject: Credit Reporting Agencies

Tue Mar 25, 2008 2:20 am

Does anyone prefer one credit reporting agency over the other, transunion, experian or equifax, which do you prefer and why.

I need one that is easy to understand with complete information, I don't seem to be getting that from experian?????
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Goodnatured,
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swapwap

Joined: 25 Mar 2008
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Posts: 4

367 Magic Points

Tue Mar 25, 2008 11:44 pm

eq seems to be easier to deal with to me.

fireyone

Joined: 26 Feb 2008
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Posts: 4601

10807 Magic Points

Tue Mar 25, 2008 11:47 pm

I would like the answer for that also> Later this year I want to pull mine and make sure things that were suppose to fall off did.

Dann325

Joined: 26 Mar 2008
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Posts: 20

757 Magic Points

Thu Mar 27, 2008 7:21 pm

Many places online will give you all 3 at one time for a monthly fee. But basicly eveyone will have a monthly fee.

shelah

Joined: 12 Feb 2008
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Posts: 10

322 Magic Points

Fri Mar 28, 2008 6:54 am

swapwap, care to tell us about it?

Laura

Joined: 21 Jun 2007
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Posts: 1400

35107 Magic Points

Fri Mar 28, 2008 11:19 am

Its not about preference. The agency that my creditors deal with is my major point of contact. For the rest I do pull the free annual report.
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Regards,
Laura.

Fasfeed

Joined: 06 Feb 2008
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Posts: 87

3270 Magic Points

Mon Mar 31, 2008 4:21 am

I like to know where all of mine stand because you never really know the preference of the creditor , but the easiest to read to me is equifax. They seem to go that extra step to make reading theirs simple.

Dann325

Joined: 26 Mar 2008
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Posts: 20

757 Magic Points

Mon Mar 31, 2008 4:26 pm

When you get a loan banks use all 3, is that correct? Somthing I have been wondering about for a long time. Becouse what im working toward is buying a house, and seems like every report reads different.

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1693

1451 Magic Points

Subject: cra

Mon Mar 31, 2008 10:24 pm

Usually a bank or finance company will use all three. For SOME CA's, they report to one or two CRA's...sometimes not all tree of them. I found that out, by looking at my CR. How strange.

Fasfeed

Joined: 06 Feb 2008
Fasfeed's page
Posts: 87

3270 Magic Points

Wed Apr 02, 2008 2:34 pm

When you are applying for a loan for a house they will pull what is known as a tri merge which is all three. Out of all three they use your middle score for approval.

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1693

1451 Magic Points

Subject: credit

Thu Apr 03, 2008 2:53 am

When I got my vehicle financed, the Finance Company only used 1 CB. I'm wondering..if anyone knows. If you are applying for a loan, can you REQUEST which CB you want the lender to use? I've never HEARD of anyone doing that, but..just wondering if you could.

Fasfeed

Joined: 06 Feb 2008
Fasfeed's page
Posts: 87

3270 Magic Points

Mon Apr 07, 2008 12:22 am

Requesting they pull from your desired agency would probably make them feel you have something to hide with the others being that all companies do not report to all three bureaus. They probably have their own preference .

Fasfeed

Joined: 06 Feb 2008
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Posts: 87

3270 Magic Points

Mon Apr 07, 2008 12:22 am

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1693

1451 Magic Points

Subject: cra

Mon Apr 07, 2008 3:39 am

OIC..yep..makes sense to me. Just..I know there are a few things that are on ONE CR and not on the others.

fireyone

Joined: 26 Feb 2008
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Posts: 4601

10807 Magic Points

Sun Apr 27, 2008 2:49 am

I would be surprised to find all three reports saying the same thing. has anyone had all three credit reporting companies show the same report?

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