EILEEN POWELL of the Associated Press said:
The three major consumer credit reporting agencies announced Tuesday that they have created a new credit scoring system aimed at simplifying the loan process for both lenders and borrowers.
The announcement by Equifax, Experian and TransUnion said the new “VantageScore” was “a direct result of market demand for a more […]
When a consumer disputes credit information on his or her credit report, the three major credit bureaus, Experian, formerly TRW, Equifax, and TransUnion, must notify each other of the reinvestigation. In the past, it was the consumer’s responsibility to notify each bureau. As of 1997, credit bureaus are required to use information supplied by […]
DH in Ohio said “I applied for a car loan with household auto in july of 2001. The inquiry never appeared on my credit report. I believe that they gave me an unfair interest rate. I have called and they told me that they used Equifax. This inquiry is not on any old Equifax reports.”
“Now […]
When Ms. Marshall got a $6,000 home-improvement loan from a credit union in April 2003, she had to pay relatively high interest because of a weak credit score. The credit check had showed a court ruling ordering her to pay overdue rent to a former landlord in a Washington, D.C., suburb. But the judgment […]
Report that you may be the victim of identity theft with at least one of the three major credit bureaus — Equifax (www.equifax.com or 800-685-1111), Experian (www.experian.com or 888-397-3742) or TransUnion (www.transunion.com or 800-888-4213). That bureau is required to notify the other two.
Consumer Watchdog organization Household - HSBC Watch says you can visit their […]
The three largest credit reporting agencies (CRA’s) have a big impact on your personal credit. These agencies, also referred to as credit bureas, are for-profit companies. Trans Union, Equifax, and Experian correction form letters are available on Household - HSBC Watch in their “Credit Bureaus” category seen here.
Millions of Americans are finding credit reporting errors filed by Household International as the new FACT act goes into effect. Covering up problems at Household Finance (HFC) and improper late application of payments (Retail Services) has the credit bureaus working overtime. The Fair Credit Reporting Act protects the consumer.
Monitoring and periodically reviewing […]
Dec. 3, 2004 — A new federal law, entitled the Fair and Accurate Credit Transactions Act, went into effect this week enabling millions of Americans to get a snapshot of their credit history for free. The FACT Act grants consumers one free credit report a year from each of the big three credit reporting bureaus […]
TRANS UNION CONSUMER SOLUTIONS
P.O. BOX 2000
CHESTER, PA 19022-2000
RE: Error on my credit report, case of Household Retail Services
There is an error on my credit report. I am [name] and my social security number is [number.] The error is on my Trans Union credit report as follows:
This is why the account is in error:
Household Retail Services […]
EXPERIAN INFORMATION SVCS
P.O. BOX 2002
ALLEN, TX 75013
RE: Error on my credit report, case of Household Retail Services
There is an error on my credit report. I am and my social security number is The error is on my Experian credit report and is as follows:
This is why the account is in error:
Household Retail Services reports the […]
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An open letter to HSBC, Knight Vinke and Stephen Green
We monitor customer trends for possible violations of Regulation Z and other possible illegal actions.
We use your individual HSBC complaints and merchant complaint reports to perform trend analysis.
We are not associated with HSBC, Household International, or their merchants.
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