Your Questions About Credit Reports

Sandra asks…

Why would my credit report look good on Equifax and not Experian?

My credit reports looks good for one agency.
I have a loan in really good standing that is being reported by Equifax on my credit report but when I look at the other, it has no history of the loan. Should this loan be reported to all three of the agencies?? Or is it up to them?

John answers:

If you are looking for the free credit score usa national site, check out this site

Here you can get your 3-in-1 free credit report and credit score rating

David asks…

How to get the credit report directly from credit companies?

Hi can anyone know how to get the credit reports directly from credit companies. I want my credit report receipt from companies . If I go and ask them they will provide me report or not.

John answers:

If you want to get your credit report for free, check out this site

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score.

Hope this help,

Betty asks…

Which credit report do landlords look at the most?

I recently checked once of my credit reports since I’m thinking of moving to another apartment with a friend of mine. There were quite a few discrepancies. I’ve filed disputes, but knowing how long this process takes, I’m wondering if there’s a specific credit report landlords tend to check more than the other two. Any relevant advice helps. Thanks!

John answers:

Landlords often pull a specialized report that includes a credit report from one of the big three bureaus, plus anything know about your rental history in another database or other public records.

Sandy asks…

How to obtain legitimate credit reports?

I am looking to obtain all 3 of my credit reports and am looking for a reputable company..there are way to many choices on the internet. Any legitimate bureaus that can be recommended?

John answers:

You can contact the main agencies directly – they all have to give you a copy of your credit report (for a small charge). Why bother to go through agencies who are just going to charge you extra for doing it, so they can make a profit.

Richard asks…

How do you remove medical bills from credit report?

I have heard and read things regarding medical bills on credit reports. I have heard they they shouldnt affect credit and things of that nature. My girl has 8 negative things on her credit report, 6 of them are ambulance and medical bills. Can these be removed? As of now they are not paid and are with creditors.

John answers:

Derogatory trade lines stay on your credit report for 7 years. Once they are paid they should be marked as “paid”. However, you may try negotiate “pay for delete” agreement with your creditors. You should have this agreement in writing before you pay them anything though.

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