Tag Archives: Equifax

CoreLogic Consumer Finance Solutions

CoreLogic Consumer Finance Solutions Provides Different Credit Data Consumers with a real interest in the credit scoring system are aware of the kinds of data contained in their Equifax, Experian and Trans Union credit reports.  They know that timeliness of payments on their monthly bills is meticulously recorded along with negative information such as judgments

Debt Collector Legal Registration

  Debt Collector Legal Registration Requirement Did you know that a debt collector must register with your State Department of Business Regulation in order to report, confirm, verify or try to collect an alleged debt?  Do you know why debt collector legal registration may be of critical importance to you?  Let me tell you a

Credit Report Personal Information: A Deep Dive

Credit Report Personal Information Category Your credit reports from Equifax, Experian or Trans Union each have five different categories: Personal Information, also referred to as Personal Identification Information by Equifax Historical Account Information Inquiries Public Records This Essay will deal with the basics of the Credit Report Personal Information category.  My purpose is to help

Credit File Fraud Alert Before Security Freeze

Credit File Fraud Alert Less Drastic than Credit File Security Freeze Many consumers are confused about the pros and cons of a credit file fraud alert versus a credit file security freeze.  Let’s take a look at what is similar and what is different about these two avenues of self protection against identity theft and

Educational Credit Scores Examination

  Educational Credit Scores Confuse Many FICO rules the credit scoring world.  Despite the best efforts of competitors it is used by over 90 percent of lenders. Educational credit scores are those scores produced by credit reporting agencies and others that are little used by banks and credit card companies.  FICO still commands over 90

Debt Collection Letter Action Plan

Debt Collection Letter May be Fake That debt collection letter that has you so upset may or may not be real.  Don’t let your fear of having a collection wind up on your credit reports make you pay first and ask questions later.  There are a lot of creative scammers out there dreaming up ways

Equifax Loses Court Judgment Numbering $18.6 Million Dollars

Equifax Loses Court Judgment Numbering $18.6 Million Dollars Equifax loses Court judgment numbering $18.6 Million Dollars awarded by a Federal Court Jury in Oregon.  Evidence showed that plaintiff Julie Miller spent 2 years trying unsuccessfully to get Equifax to fix mistakes on her credit report. Ms Miller first realized that something was amiss in 2009

Debt Collector Skip Tracing Techniques

Skipping Town on Debts is not Easy Debt collector skip tracing involves finding people who want to avoid their debts by “getting lost.” These debtors are referred to as “Skips” in the debt collection industry.  This comes from the age old expression “to skip town” as used to refer to those who think that if

Equifax-Experian-TransUnion: Compare major credit bureaus

Equifax-Experian-TransUnion: Compare Major Credit Bureaus If you are nervous about examining your credit reports you are not alone.  Many people shy away from actually pulling credit reports and looking for fear of what they will find.  This is just as irrational as not going to the doctor or getting a medical test because if you

30 days late can equal 100 off FICO

  30 Days Late Can Equal 100 off FICO 30 days late can result in 100 points dropping off your FICO.  Why is the penalty so severe for one slip up?  That one late payment screams trouble to the computer.  You either can’t keep your promise of payment or it was not important enough to