Separate names with a comma.
Discussion in 'Credit Talk' started by FU - TU, Apr 19, 2001.
I think the CRA's give out different info to the consumer and the lender
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
Green Dot primor® Visa®Classic Secured Credit Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit.
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
Actually I am working on qualifying for a mortgage, and the broker is a good friend of mine. She pulled the reports and the entries on mine, matched exactly with the reports I received from the CRA
Hey Hal, do you think you could have her give you your Beacon score? Then you could compare it to Scorepower and see if it's the same? I think this is a question we'd all like to know the answer to.
I dont understand. The Equifax score is the beacon score right? The score given at powerscore is the the equifax score b/c it is offered at the equifax website right?
When you apply for a mortgage, they give you three scores right? The EQ score would be the Beacon. Right?
The score power is your Beacon score generated from Fair Isaac. And since everyone I spoken to has gotten the same exact score, they are accurate as far as I can tell.
Sorry for double post. I have spoken with Fair Isaac (another matter), but the score power is your Beacon from Equifax, when lenders/creditors pull your score they get the same beacon score you get.
Yeah the Equifax score is the Beacon score Roni. The problem I have is with different scores. My friend is a business subscriber and has had a different score than the Scorepower score all four times we checked, always lower.
Check out this site https://www.eport.equifax.com/ Thats the site my friend subscribes to.
Did he check these immediately from one source to the next?? I have seen scores change in a matter of a few days, depending on what day of the month it's pulled.
He checked them first, then we checked ours the next day. No
activity in between whatsoever.
Thanks for the info
I am quite sure the consumer report may be different than a lender report. If this is the case does the FCRA protect the consumer in these regards?
I have seen a lenders report (probably the cheapest lender's report they can
buy) that matched my personal report line for line. Of course it had a Beacon
score and utilization percentages calculated, etc...
But lenders can buy different "levels" of lenders reports, some simple and
some very sophisticated. It depends on how much money they want to
I have ALWAYS wondered if the really expensive reports show accounts that
were deleted along with other info we don't see.
I know for a fact that Transunion keeps "hard delete" items in their
database for several months even though it doesn't show on the