Morgan Hamilton asked: So you are interested in a pre approved credit card are you? Let us first examine exactly what constitutes a pre-approved offer. It must be said that unsecured credit cards are in fact not preapproved.If you should ever find a solicitation where a claim is made that an unsecured card is guaranteed [...]
Milos Pesic asked: In the United States, there are four credit reporting bureaus; Equifax, Experian, TransUnion, and Innovis. You’ve likely never heard of Innovis, and that is because that bureau doesn’t currently have any effect when credit worthiness is being calculated.Your credit report, as issued by the three main credit reporting bureaus, is the main [...]
china asked: I’ve got a negative credit item that is preventing me from obtaining new credit but it’s only showing up on my experian credit report. My equifax report is pretty clean. Is there any particular credit card companies that use equifax not experian (i’ve found that credit card companies consistently use just one of [...]
Terry asked: I believe that employers should be forbidden to fire/hire based on a person’s credit history, credit report, or credit worthiness. Frankly, I hate all the credit rating agencies (Equifax, Experian, Transunion, Moody’s, Standard & Poor). There is no transparency. There should be a law where we know exactly how it’s calculated. What do [...]
bigdoublem08 asked: Is it true that businesses are rated by Dun & Bradstreet for there credit worthiness as opposed to being rated by the three personal credit rating companies ( Transunion, Equifax, Experian). If so how do you bolster whatever factors they use to judge your score. How do you get rated by Dun & [...]