Just received my equifax cr in the mail, which does not contain my credit score. Is it possible to get your score online without paying for one of their services?
It is possible to get your TU score without paying for it. You need to know an inquiry company and date of that inquiry. You can sign up for the free 30 days with Creditexpert to get your Experian score. I am not familiar with a free source to get your Equifax score online. Mike G.
Not to my knowlege. I sent them an email. I'm a CreditWatch member and asked if there was a way to add the score to and existing or new profile(CR). Since they charge 8.50 for a CR and 12.95 for ScorePower, I thought (my mistake) that they might let me add my score for 4.45. They never responded.
What about making online disputes if you already have reports? Must you join their service to do this?
Start Disputes here: Experian http://www.experian.com/consumer/cac/01_LoginPrivacyPage.jsp Equifax https://www.econsumer.equifax.com/webapp/ConsumerProducts/pgInvestigation TransUnion http://www.transunion.com/Personal/DisputeOnline.asp
I forgot to answer your question, no you don't have to join their service to dispute online. You may need a report # also If you have a local affiliate that services your CR for one of the MORONS, they won't let you dispute online.
Thanks everyone. Would like to ask another question if I could. How would you compare online disputes vs disputes through the mail? Is one more effective than the other?
Since I'm hogging your thread, I'll keep going The biggest difference I noticed, the online disputes, from start to finish, get resolved faster. You don't have to wait for snail mail both ways. As far as effectiveness, I've had items verified and deleted from both methods. So no real difference for me.
Not at all. I am very happy to get responses from you and everyone else. I still need a report from experian. Has anyone had any luck getting them to cough up a free one through the mail?
CreditExpert is still offering the "30 days free" to join. As long as you cancel before the 30 is up, they won't charge your CC. Plus you can check your CR and score (right now) everyday if you want to for the next 27 or so. I also believe I read that someone else had joined the "Free 30 day" deal multiple times.
Does this put an inquiry on your credit report? Also can you get a score for anything other than Experian. Sorry, questions questions. Just curious... GT
Speaking of inquiries, on the report I just received from equifax there is an inquiry from Equifax. it states "Disclosure" next to it. what's that about?
Does this put an inquiry on your credit report? A soft inquiry. Also, the score is Experian's CreditExpert score, not your true FICO score. But it definately gives you something to go by. Also can you get a score for anything other than Experian. Not at CreditExpert, but at www.worthknowing.com you can get a free report with score for TU. Mind you most people call this site "worthnothing". The score is bogus, but you do get your CR, also a soft inquiry. www.privista.com has a "30 day free" membership. You can get your EQ CR there weekly, also a soft inquiry. They have a score of 0 to 100, no real correlation to your FICO score, but a free CR.
Allright, it's making sense. So the "soft" scores are similar to when a credit card company checks out your report to see if you qualify for a pre-approval app. - These hits don't affect the scores, only the "hard" scores. Is this correct or am I way off? GT
You got it. But not hard & soft scores, hard & soft inquiries The pre-approval pull would be considered a "Promotional Inquiry", also soft. You might also see AR's, which is an open CC account Company pulling an Account Review, also soft. There are a bunch more, one of the threads here has them all listed. Some CRA's break it into multiple categories. Others put them all together and let you figure it out by the notation next to the inquiry. There has been some discussion around here that soft inquiries may impact your score somewhat. But I've seen nothing conclusive.
When Equifax send me a copy of my report they place an inquiry on my report? Is this a soft inquiry? I see nothing on the report to indicate which?
It should have some type of notation before or after Equifax letting you know it's for Consumer Disclosure (soft).
Ok, I found the note on report indicating that this records my request for credit report. Sorry, this had me somewhat confused as I could not see why they would record an inquiry from thenselves.
