Battle the Credit Bureaus ... and Win
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- vnatale
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Battle the Credit Bureaus ... and Win
Battle the Credit Bureaus ... and Win
Whether you’re contesting an error or combating fraud, use our guide to give yourself the best shot at success.
https://www.kiplinger.com/article/credi ... d-win.html
An excellent, highly comprehensive article.
A few nights ago I did go to annualcreditreport.com. I was puzzled that for all its identifying questions each of them had NOTHING to do with me and I therefore had to keep answering "None of the Above". At the end of the process I was told it could not supply me with online reports. I could not tell if I AM going to be receiving these in the mail.
Reading this in the article surprised me:
"(accounts in good standing continue to appear on your reports for about 10 years after they’re shut down)"
I cannot tell from this if the closed accounts do show up on the report as "closed".
That was my primary motivation for requesting the reports: To find out how many active credit cards that I have.
Over the last five decades I've had so many credit cards. Many of them have been closed because of inactivity but I've not created any system for keeping track of those. Therefore as I write this I have zero idea how many open credit cards I have. 10? 20? More?
Vinny
Whether you’re contesting an error or combating fraud, use our guide to give yourself the best shot at success.
https://www.kiplinger.com/article/credi ... d-win.html
An excellent, highly comprehensive article.
A few nights ago I did go to annualcreditreport.com. I was puzzled that for all its identifying questions each of them had NOTHING to do with me and I therefore had to keep answering "None of the Above". At the end of the process I was told it could not supply me with online reports. I could not tell if I AM going to be receiving these in the mail.
Reading this in the article surprised me:
"(accounts in good standing continue to appear on your reports for about 10 years after they’re shut down)"
I cannot tell from this if the closed accounts do show up on the report as "closed".
That was my primary motivation for requesting the reports: To find out how many active credit cards that I have.
Over the last five decades I've had so many credit cards. Many of them have been closed because of inactivity but I've not created any system for keeping track of those. Therefore as I write this I have zero idea how many open credit cards I have. 10? 20? More?
Vinny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
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Re: Battle the Credit Bureaus ... and Win
why so many
- vnatale
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Re: Battle the Credit Bureaus ... and Win
Usually better rewards. Also, many have given a bonus for charging so much on the card within the first three months.
Vinny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
Re: Battle the Credit Bureaus ... and Win
Same here. When I've occasionally been asked a series of challenge questions on the credit bureau web sites, the correct answer to 90+% of the questions (sometimes all of them) is "none of the above." Not sure why they designed it that way.
You must receive an obscene amount of junk mail.vnatale wrote: ↑Thu Sep 03, 2020 5:01 pm Over the last five decades I've had so many credit cards. Many of them have been closed because of inactivity but I've not created any system for keeping track of those. Therefore as I write this I have zero idea how many open credit cards I have. 10? 20? More?
- vnatale
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Re: Battle the Credit Bureaus ... and Win
I seek it out!Tortoise wrote: ↑Fri Sep 04, 2020 1:00 pmSame here. When I've occasionally been asked a series of challenge questions on the credit bureau web sites, the correct answer to 90+% of the questions (sometimes all of them) is "none of the above." Not sure why they designed it that way.
You must receive an obscene amount of junk mail.vnatale wrote: ↑Thu Sep 03, 2020 5:01 pm Over the last five decades I've had so many credit cards. Many of them have been closed because of inactivity but I've not created any system for keeping track of those. Therefore as I write this I have zero idea how many open credit cards I have. 10? 20? More?
Vinny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
Re: Battle the Credit Bureaus ... and Win
Everybody seems to be providing free credit reports nowadays including Turbo Tax and Credit Karma so why is it so hard to get? Even the credit bureaus are required to provide one free report per year plus anytime you get declined due to information on the report. At least that used to be the law when I was in the business.
- vnatale
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Re: Battle the Credit Bureaus ... and Win
Do they provide them online or via the mail?pp4me wrote: ↑Fri Sep 04, 2020 1:10 pm Everybody seems to be providing free credit reports nowadays including Turbo Tax and Credit Karma so why is it so hard to get? Even the credit bureaus are required to provide one free report per year plus anytime you get declined due to information on the report. At least that used to be the law when I was in the business.
Vinny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
Re: Battle the Credit Bureaus ... and Win
Turbo Tax and Credit Karma are online. The bureaus used to be through the mail but I suspect theirs are online too nowadays.vnatale wrote: ↑Fri Sep 04, 2020 6:43 pmDo they provide them online or via the mail?pp4me wrote: ↑Fri Sep 04, 2020 1:10 pm Everybody seems to be providing free credit reports nowadays including Turbo Tax and Credit Karma so why is it so hard to get? Even the credit bureaus are required to provide one free report per year plus anytime you get declined due to information on the report. At least that used to be the law when I was in the business.
Vinny
Both Turbo Tax and Credit Karma will tell you what factors are affecting your score the most so that can be very useful.
Having a lot of open accounts with zero balance might not be having as much of an impact as you think. Actually, in calculating the percentage of available credit that you are using it would have a positive effect.
- vnatale
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Re: Battle the Credit Bureaus ... and Win
I am regularly getting my credit card score via a few of my credit cards. It's the whole credit report that I'm after just to make sure there is no activity on any cards I'm no longer using or never used.pp4me wrote: ↑Sat Sep 05, 2020 11:01 amTurbo Tax and Credit Karma are online. The bureaus used to be through the mail but I suspect theirs are online too nowadays.vnatale wrote: ↑Fri Sep 04, 2020 6:43 pmDo they provide them online or via the mail?pp4me wrote: ↑Fri Sep 04, 2020 1:10 pm Everybody seems to be providing free credit reports nowadays including Turbo Tax and Credit Karma so why is it so hard to get? Even the credit bureaus are required to provide one free report per year plus anytime you get declined due to information on the report. At least that used to be the law when I was in the business.
Vinny
Both Turbo Tax and Credit Karma will tell you what factors are affecting your score the most so that can be very useful.
Having a lot of open accounts with zero balance might not be having as much of an impact as you think. Actually, in calculating the percentage of available credit that you are using it would have a positive effect.
VInny
Above provided by: Vinny, who always says: "I only regret that I have but one lap to give to my cats." AND "I'm a more-is-more person."
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Re: Battle the Credit Bureaus ... and Win
Experian allows you to make an account and check online for free. Credit Karma is your Vantage score, similar but not exactly as FICO, it's supposed to be more modern and you can check your credit report weekly.vnatale wrote: ↑Sat Sep 05, 2020 2:37 pmI am regularly getting my credit card score via a few of my credit cards. It's the whole credit report that I'm after just to make sure there is no activity on any cards I'm no longer using or never used.pp4me wrote: ↑Sat Sep 05, 2020 11:01 amTurbo Tax and Credit Karma are online. The bureaus used to be through the mail but I suspect theirs are online too nowadays.vnatale wrote: ↑Fri Sep 04, 2020 6:43 pmDo they provide them online or via the mail?pp4me wrote: ↑Fri Sep 04, 2020 1:10 pm Everybody seems to be providing free credit reports nowadays including Turbo Tax and Credit Karma so why is it so hard to get? Even the credit bureaus are required to provide one free report per year plus anytime you get declined due to information on the report. At least that used to be the law when I was in the business.
Vinny
Both Turbo Tax and Credit Karma will tell you what factors are affecting your score the most so that can be very useful.
Having a lot of open accounts with zero balance might not be having as much of an impact as you think. Actually, in calculating the percentage of available credit that you are using it would have a positive effect.
VInny