Three Credit Reports

Three Credit Reports questions and answers

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Q: Do collection accounts show up on all three Credit Bureau reports?
So when someone checks their credit report, if they have an account in collections will it show up on all three reports? Thanks.

A: It depends on the creditor.. Lori O is right, some report to all 3 and some report to 1 or 2, I work at a collection agency and we reoprt to only 2 agencies, experian and equifax, and up until abouta year ago only reported to experian.. if you go to www.annualcreditreport.com you can view all 3 of your credit reportss for free once a year and you'll know for sure what is on there and can also submit disputes and consumer statements.. . All of the other "free" credit report sites are kind of a scam and end up putting you on a monthly billing, this is the site set up thru the us govt.. hope this helps

Q: Can a credit card debt that is unpaid not appear on all three credit reports?
I have had a collection agency call me about a credit card debt where the first delinquency date was supposed to be September of 2004. I don't remember the debt and it doesn't appear on any of my three credit reports as I have just requested and reviewed all three. Is it possible to have a delinquent credit card debt from a major bank that doesn't appear on all three of your credit reports?

A: Ask lenders for agreement to delete this items from your credit report when paying them. I recommend to get such agreement thru credit repair agency, for example this one - credit-report-free.totalh.com

Q: Were can i get all three of my credit reports for a low price?
i want to see all three of my credit reports,i searched online for places but they charge almost 100 bucks just to see all three.i'm not gonna pay that because that's alot.i already saw one of my credit reports on a website were they offer you to see one of your credit reports for free. does anyone know a good place online were i could get my all three credit reports for a low price?

A: Credit reports have always been free annualcreditreport.com Print them out and review them line by line. I have had credit for over 10 years and have never known my score. Every year, I get my reports and review them. Common sense tells me how to keep top scores. /

Q: where can i get my three credit reports?
where can i get all three credit reports WITHOUT using a credit card to sign up? i have NO credit cards i got rid of all of them also i got rid of all my bank debit cards where can i get my credit reports?

A: annualcreditreport.com

Q: what's a good place to get all three credit reports at once without being at risk of giving your personal ?
Hello I need to check my credit report and I need to get all three major, but I'm afraid when i do somebody else will get my info.Where do I go to be safe and to get my report?Thanks

A: credit-report-free.totalh.com - try this site. I use it to monitor my credit and also cleaned off some bad items from my credit report. You can apply for free initial plan and get your scores and reports for free.

Q: Where can I obtain free credit reports from all three companies on a once annual basis?
I know there is a government sponsored program that will provide free credit reports from all three reporting agencies once a year. Does anyone know the specific web site to obtain these or a phone number to call?

A: if you are looking for the free credit report and score national site, check out this site http://free-credit-report-national-usa.blogspot.com/ Here you can see your 3-in-1 Report from all three credit reporting agencies and your credit score.

Q: What's the best site online to view all three credit reports and score?
I want to review my credit report and make sure everything is in order. I also want to see where my score is at right now. I heard there are several sites out there that offer this. I want to know from experience what is the best site, great service and price etc. Thanks all

A: www.myfico.com is one of the best sites for reviewing your credit file and fico score.

Q: what is the number for the three credit reports which i can contact a PERSON to speak with?
i have the three numbers but none of them are helpfull as they are all automated...i need to speak to a representative/a live human person who can answer my questions...? any help? i have been to the sites as well and i found nothing that i wanted to know.... i don't really think i have a dispute i just need to know why the credit score hasn't changed even when i payed the companies??? it has been almost 6 months now since the payment...

A: TransUnion 1-800-916-8800 Equifax 1-800-685-1111 Experian 1 888 397 3742 You can reach each individual credit bureau by their website addresses: TransUnion.com Equifax.com Experian.com Most phone# are listed in the contact us section If you get an automated....hit 0 and it'll bring you to an operator and tell them what you are calling about...

Q: Reporting deliquent accounts to the three credit reports??
I work for a psychotherapst in a private practice. We have several accounts (the patients of course no longer come for sessions) with past due balances in the thousands of dollars. I am interested to know how, or even if, small businesses can report pass due accounts to the three companies that provide credit scores and reports? I am aware that there may be some issues of breech of confidentiality by releasing the info, so will not proceed until I have addressed them, but would like to know if reporting them to the agencies is even possible for small companies. Thanks so much.

A: WEll to my knowledge . Yes you can you have to look into it more contact the agencies. I worked for a small practice as well and it wouldnt be that long before I would send the account to collections. Def, the owner didnt play at all. Like she wouldnt allow the acount to go to thousands of dollars before sending the account out. Im not particularly sure about the details but for the software accounitng books I used it was just a matter of sending them to collections. Which there account would not be in my active patients anymore the whole account would go to a select group and then id say she would turn those accounts over the the credit bureau and what not. Id suggest contacting the credit companies. http://www.transunion.com/corporate/business/business.page http://www.equifax.com/biz/index.shtml http://www.experian.com/business_services/index.html Good Luck

Q: all three credit reports all three credit reports?
Where can I obtain free credit reports from all three companies on a once annual basis?

A: Well, there are a bunch of sites that will do it for you for a "small" fee. But each of the credit companies is required by law to provide you (at least) one report per year at no cost. You can look up their number and request the report.

Q: How do I go about obtaining the three credit reports offered?


A: Before you do it, keep in mind that they are only your REPORTS. They do not include your credit SCORE. They're still useful, as I closed some old specialty store credit accounts using the information provided. That said, there are a number of ways to obtain them; freecreditreport.com being one of them. I went to each site individually and got the information. I didn't want to get on anyone else's list.

Q: were can i get all three of my credit reports plus scores for cheap?
most websites they charge me close to 100 bucks to get all three of my reports & scores and that's a lot.were can i get all three of my credit reports plus scores for cheap?

A: Way to go BART. I have bought 3 homes and never known my scores. These people are obsessed. What is important is knowing how to keep your reports in pristine condition. Knowing how to make top scores and doing it. Considering major mortgage companies do not even go by the scores, this seems like an insane waste of money. Mortgage companies look at your reports in detail and make their own decisions. /

Q: Is there a central location to view and print all three of your credit reports?
From Transunion, Equifax and Experian? I need copies of all three, but each you must pay 14 to 30 dollars EACH for. Is there one place I can pay One fee and get all of the TRUE reports. I need to dispute a few things on my credit, but I already viewed my free credit reports around 6 months ago, and I am not eligible to view for free. Yes, I already went to annualcreditreport.com and got my reports around 6 months ago, so they no longer let me in. Should I wait until I am eligible again to view for free, and then do my disputes? I just don't understand my I have to pay for my reports and send them in to the company I got the report from in order to file a dispute.

A: Yes, you can get all three from one company and pay one fee. To bad you used up your free one already. I know for a fact that this company will issue you all three credit reports for one fee, but I'm not sure of their price. It should be less than paying for them separately though. MF is very reputable and has been around for quite some time. http://www.moneyscrounger.com/myfico

Q: If you dispute an item on a particular credit report, will it come off of all three credit reports or just the?
one you disputed?

A: Only the one you disputed with.

Q: How do I get all three of my credit reports free? Everything I've tried that says that its free....?
eventually asks for money before it shows or gives me a report. Also, how do I get phone numbers and addresses so I can communicate with all three credit bureaus?

A: Write the companies and request your annual free credit report. They are required to give it to you once a year by law. Good luck. Equifax, Inc. P.O. Box 740241 Atlanta, GA 30374 1-800-685-1111 http://www.equifax.com Experian P.O. Box 2104 Allen, Texas 75013-2104 1-888-397-3742 http://www.experian.com Trans Union Corporation Consumer Disclosure Center 2 Baldwin Place P.O. Box 1000 Chester, PA 19022 1-800-888-4213 http://www.transunion.com All of the other "free" sites are scams and should not be used.