Since somebody said they 'missed' me bugging them to add their inquiries ... Ever wonder which Credit Reporting Agency (i.e., Experian, Equifax or Trans Union) that a potential creditor may check when you apply for a credit card or loan? Is one of your credit reports better than the others, and you wish to strengthen your odds of obtaining an approval instead of a denial? Millennium Credit Buildings Strategies is here for you! And it's FREE!!! The millcbs "Ultimate Creditor/CRA List" is an easy to use web resource designed to assist consumers facilitate the inquiry process when applying for credit. Don't waste time applying for credit cards or loans, not knowing which credit report the potential lender may utilize. Check our list to get a better idea of which report may be used for persons in your area. More importantly, this list is not only FOR you, but the information is supplied BY you -- the consumer borrower. If you have a recent credit report, or if you know of your recent inquiries, please add them to the list -- the web site is self-explanatory. This is what helps the list grow and be a useful resource to other consumers. Without your input, the list is useless! We don't ask for ANY personal or confidential information and we do NOT collect, share, distribute or otherwise tranfer any personal or credit information. We're simply here to help the common consumer. Please remember, though, that all data is provided "as is" and without guarantee -- use at your own risk! Millennium CBS is at www.millcbs.com
I think that the site is great, except that no one utilizes it. There are 3800+ members, and if you check the site on a specific company there are only 20 or 30 max inquiries. I know that companies use different CRA's from time to time, but if you look at the # of threads that ask "who pulls what" nobody takes the time to input their info. They may put that they applied for Macy's on 2/2/02, but they don't put a score or go back and put that they were approved or denied. The site is only as good as WE (CREDITNETTERS) make it. Charlie
I forgot to put that I'm a culprit of being lazy myself, and that I don't put all the info in myself. It's easy to bitch about the site not being accurate, but the site is only as good as we make it. Charlie
