How can I stop companies from checking my credit report in order to see if they want to solicit me for their credit cards? In other words, credit inquiries I did not initiate?
They are most likely soft inquiries which do not adversely impact your credit score. If you see hard inquiries (for credit applications) that you did not authorize, you can dispute them.
Payment history: 35%
Amount of debt owed: 30%
Age of credit history: 15%
New lines of credit: 10%
Credit mix: 10%
Hope that helps!
Actually, I have less on my credit cards etc and my score went down with TransUnion. Less debt etc . Clean report and TransUnion is so negative compared to the other credit companies. My credit score is like 59 points higher than TransUnion.
Something is not right the way they decide.☹️
@Wondering 1 wrote:
I looked at my credit score and I wonder why TransUnion is always so much lower than the other credit companies.
The three majors compile their own reports and there are several scoring models. Obviously, that accounts for the variation.
What do I do to remove bad credit history from closed accounts. Had mortgage change hand 3 times and with each I had late payments. The final holder of account foreclosed and is now closed but late payment history still shows. What can I do to have these removed to help my score.
What can I do to have these removed to help my score.
You really can't do much of anything beyond maintaining a good record going forward and allowing the passage of time to take effect.
On the other hand, you can and should report errors on your credit report.
Please reminds me of the reason of your email if you email me.
Jose a Rivera
Very usefull information. Great. Thanx this community!
I went to experian on June 15 and they said my credit score was 798. They sent me an email on June 20 saying my credit score was 765. This whole credit score thing is crap. Within 5 days I dropped 33 points? None of my bills were even due at this period. And I always pay all of my bills on time. What ever happened to no more 3 credit scores when they all were supposed to merge? This is a garbage system of credit reporting. The 3 credit reporting agency's are probably getting a kick back from financial institutions to under value peoples credit score so they can charge higher interest rates!
Credit scores are not included with credit reports. Additionally, credit scores are not stored as part of your credit history. Your credit score is calculated only when your credit score is requested. Your credit score can change over time, based on your credit history—including late payments, amount of available debt, and more. By the way https://www.boostcredit101.com/ nice guys who can boost your credit score.