Comments on: Four Myths About Your Credit History

By: EFX Moderator, EM

EFX Moderator, EM — Thu, 11 Apr 2013 16:51:55 +0000

Debbie, I'm sorry to hear about the troubles you're having with your credit accounts. The issues you're having are why it can be helpful to check your credit report regularly. Inaccuracies can have a negative impact on your score. Here are tips on how to check your credit report. I hope this helps.

By: EFX Moderator, EM

EFX Moderator, EM — Thu, 11 Apr 2013 16:50:08 +0000

Bob, I'm sorry to hear that. There are other factors to consider though. Has your credit limit decreased? Has your balance increased? Did you close any credit cards, which would change your average credit length? Click here for more information on how your credit score is calculated. I hope it helps.

By: debbie tomko

debbie tomko — Fri, 05 Apr 2013 07:38:50 +0000

Not only that…if you file Bankruptcy…no matter how long ago, some banks hold it against you for the rest of your life…whether you were never late with them or not and whether you paid off your entire loan or not…per Chase

By: Debbie tomko

Debbie tomko — Fri, 05 Apr 2013 07:37:07 +0000

oops, typo…$19.99 per month x three credit bureaus…

By: Debbie Tomko

Debbie Tomko — Fri, 05 Apr 2013 07:36:01 +0000

Good Luck Bob Lizana…The banks use different scoring methods…When I refinanced my home mortgage, my score dropped around 100 points…I have never been late on my mortgage, car loan, or credit…However due to inaccurate billing with medical facilities, it appears that I was late on these…in which 100 percent is covered my OWCP….I encourage all military personal, government employees to check their credit…It has been a nightmare for me….

By: debbie Tomko

debbie Tomko — Fri, 05 Apr 2013 07:31:50 +0000

I have been paying approximately 419.99 a month to each credit bureau to monitor my credit and get my credit scores…I just found out that these credit scores are not my FICO scores….Why can’t I get my FICO scores since I am paying this?? All banks look at your FICO scores for lending, not any other score….HELP…I just want my FICO scores…

By: Bob Lizana

Bob Lizana — Thu, 04 Apr 2013 12:59:23 +0000

I just joined equifax to understand credit better because i got a 805 score from my bank.My credit paying is perfect and i couldn’t believe it was so low.
last year it was 835.I only had 1 hard inquiry (by MY BANK ) since so it still doesn’t make sense.No bad credit issues to report (or contest) ………..how can you dispute a score.

By: EFX Moderator, EM

EFX Moderator, EM — Thu, 10 Jan 2013 21:59:14 +0000

Jon, It's important to start establishing a new positive credit history. It'll take some time, but it's well worth the effort to be seen as creditworthy to lenders. Click here for tips on how to improve both your credit score and creditworthiness. Please come back and let us know what worked for you. Thanks for posting.

By: jon

jon — Wed, 09 Jan 2013 17:30:01 +0000

Even after you pay off your creditors your credit score is still bad and it’s not updated to a good standing account which I think it should be. I’ve paid a few bills and there still in a negative state.

By: Paula

Paula — Tue, 26 Jun 2012 15:43:41 +0000

My husband insist that if a credit card has a balance of $20,000 and you use $19,000 and pay it off each month that helps your credit report. I just did that and mine dropped 20 points???