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Author Topic: Credit reports  (Read 4506 times)

Offline Emkay

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Credit reports
« on: December 04, 2014, 02:17:16 PM »
Every time my wife applies for any cards it says pending, When she calls up the Bank tells her that Its because the last name in the account is a different name (her maiden name). Is there a way ti change that?
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Offline coralsnake

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Re: Credit reports
« Reply #1 on: December 04, 2014, 02:18:45 PM »
Upsate her last name on every open account and when those report, it should iron itself out.
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Offline @Yehuda

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Re: Credit reports
« Reply #2 on: December 08, 2014, 08:06:52 PM »
Looking at my TU CR. There are 3 types of inquiries. Can anyone explain which ones are hard pulls?

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Offline Novo

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Re: Credit reports
« Reply #3 on: December 08, 2014, 08:11:24 PM »
Quote from: @Yehuda on December 08, 2014, 08:06:52 PM
Looking at my TU CR. There are 3 types of inquiries. Can anyone explain which ones are hard pulls?


The "regular inquiries" are the hard pulls.
The 2 others are soft inquiries.
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Offline TimT

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Re: Credit reports
« Reply #4 on: December 08, 2014, 08:12:13 PM »
Quote from: @Yehuda on December 08, 2014, 08:06:52 PM
Looking at my TU CR. There are 3 types of inquiries. Can anyone explain which ones are hard pulls?


1st one is the hard pull
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Offline @Yehuda

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Re: Credit reports
« Reply #5 on: December 08, 2014, 08:19:42 PM »
Thanks guys. Well then...
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Offline Super Speed

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Re: Credit reports
« Reply #6 on: December 08, 2014, 08:31:39 PM »
Quote from: @Yehuda on December 08, 2014, 08:06:52 PM
Looking at my TU CR. There are 3 types of inquiries. Can anyone explain which ones are hard pulls?


Did you bother to read it?
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Offline @Yehuda

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Re: Credit reports
« Reply #7 on: December 08, 2014, 08:34:24 PM »
Quote from: Super Speed on December 08, 2014, 08:31:39 PM
Did you bother to read it?
Of course. But I had a bunch under Account Review Inquiries that were from real banks on the dates that I applied for cards/called recon. And I wanted to confirm that those were soft pulls and not hard pulls.
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Offline Super Speed

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Re: Credit reports
« Reply #8 on: December 08, 2014, 08:35:01 PM »
Quote from: @Yehuda on December 08, 2014, 08:34:24 PM
Of course. But I had a bunch under Account Review Inquiries that were from real banks on the dates that I applied for cards/called recon. And I wanted to confirm that those were soft pulls and not hard pulls.
It said it pretty clear
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Offline TimT

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Re: Credit reports
« Reply #9 on: December 08, 2014, 08:35:33 PM »
Quote from: Super Speed on December 08, 2014, 08:35:01 PM
It said it pretty clear
Hey, he came to the pro's
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Offline Super Speed

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Re: Credit reports
« Reply #10 on: December 08, 2014, 08:36:25 PM »
Quote from: TimT on December 08, 2014, 08:35:33 PM
Hey, he came to the pro's
Ok apology accepted
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Offline @Yehuda

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Re: Credit reports
« Reply #11 on: December 08, 2014, 08:37:19 PM »
Quote from: TimT on December 08, 2014, 08:35:33 PM
Hey, he came to the pro's
Yeah! C'mon! Cut him some slack! He's a pretty cool guy!
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Offline TimT

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Re: Credit reports
« Reply #12 on: December 08, 2014, 08:37:50 PM »
Quote from: @Yehuda on December 08, 2014, 08:37:19 PM
He's a pretty cool guy!
One of the best
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Offline Emkay

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Re: Credit reports
« Reply #13 on: January 26, 2015, 06:29:39 AM »
Equifax now available with credit karma
https://beta.creditkarma.com/
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Offline D93

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Re: Credit reports
« Reply #14 on: January 26, 2015, 06:34:34 PM »
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Offline ChaimMoskowitz

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Re: Credit reports
« Reply #15 on: January 26, 2015, 07:33:55 PM »
Quote from: TimT on December 08, 2014, 08:35:33 PM
Hey, he came to the pro's
Now I know where to go with my credit questions.
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Offline TimT

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Re: Credit reports
« Reply #16 on: January 26, 2015, 07:40:01 PM »
Quote from: ChaimMoskowitz on January 26, 2015, 07:33:55 PM
Now I know where to go with my credit questions.
You should stick with Daraius
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Offline Nitantnel

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Re: Credit reports
« Reply #17 on: January 26, 2015, 07:45:02 PM »
Quote from: Emkay on January 26, 2015, 06:29:39 AM
Equifax now available with credit karma
https://beta.creditkarma.com/
Credit score =/= credit report.
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Offline Boruch999

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Re: Credit reports
« Reply #18 on: January 27, 2015, 08:29:03 AM »
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Offline tjak

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Re: Credit reports
« Reply #19 on: January 27, 2015, 01:05:52 PM »
I was looking at my Tu report on credit karma and noticed that chase is reporting one of my cards as an au. Is it important to try and switch that or that's not a big deal?
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