Help with Credit report?

Question

Hello, hi users of yahoo...

I am wondering, I just checked my credit score with the three different places. With Experian, my score is 675. While with Transunion and Equifax, my score is 565. I am somewhat confused. I am getting deined by most credit card places, and I am wondering if there are any credit card companys out there that check only the Experian credit report?

Thanks...

Answer 1

Many companys will only check only one of the three.
With some companys, it depends on which state you live in. With others, they generally pull one bureau exclusively no matter what state the person lives in.
Some will pull one bureau for one card, and another bureau for a different card.

You might go to the site I've listed. Click on forums then look in the upper right corner for CreditPulls.

You can enter in either your scores, your state, the company or the credit bureau or all of them at once.

When the grid comes up you can click the headers at the top of the grid to sort the results. Like if you wanted to sort by scores, click scores and it will sort them from the highest to lowest.

I would suggest searching by your state and put in you score or just a bit higher score than what you have.

It's a fantastic and informative resource tool.

Answer 2

Most creit companies take your middle score, in your case that would be 565.
I would say pull all the credit reports and see what is different on the 3. You can get 1 free report from each per year.
Seems Experian has different information. There may be some inaccuracies on your report that can be easily fixed. I recently checked mine (all 3) and noticed that there was some incorrect information on 2 of the reports, I fixed the problem and my score jumped 20 points.
I hope this helps. And I will say that Orchard and Capital One are good bets. If you keep a good history with a credit card, then that too will increase your score. But frequent checks on your report will lower your score.

Answer 3

There is something seriously wrong they say there should not be more the 50 points between each of them. Look very close and see what is wrong. Something like double negatives, wrongs accounts there can be so much but there is something.

Ok all of these people telling you that when you check your own credit u r lowing yours scores are so wrong. There is what is called a soft which is when you, your creditors you already have your car insurance company check your credit THEY DO NOT HURT YOUR CREDIT, then there is called a hard which is like when you apply for a credit card, car, house something like that read about it really.

HARD OR SOFT PULLS

:)

Answer 4

Orchard Credit Cards are the best to get your case....whatever you do don't go with First premier...they will suck out your blood with outrages fees

Orchard Credit cards though have an annual fee but believe me they will give you a credit card and they have excellent services...though customer service will give you a hard time trying to sell you credit card insurance...don't get it!!!

then again...most credit card companies do this at first hahahah

hope this helps buddy :)
any questions feel free to contact me @ [e-mail]

Answer 5

umm its too hard to narrow credit card companies like that.. do u have an income?? you should be able to get a credit card online but with like a $300 limit and dont keep trying to get a credit card it lowers your score.... but if u dont show any income its hard to get credit.... try ... www.orchardbank.com or maybe www.capitalone.com i like capital one but i heard orchardbank gives out 300 credit cards for people with low scores

Answer 6

Frist stop checking it every time you do it drops- to get your credit going you might have to get a card you pay to have a yearly fee - after you get one it like every one wants to give you one - when you get a offer for a better card drop the frist one right before your frist year is up so you don't have to pay just to have it - next thing you know you will have to many cards