need help understanding credit report

[HybridSquirrel]

I tried to apply for a wells fargo college credit card...and got denied. She couldn't tell me why but told me to look at my credit report, so i am looking at it on selectidtheftprotection.com and it says i have been sent to collections 2 times on Experian, once on Transunion. But it doesn't let me view what i was taken to collections for. Do i have to call experian/transunion to find out? Does anyone else use that website? Only reason i'm using it is because it is free through wellsfargo. Should I be looking on a different sight?


edit: this is my first time ever using anything that required getting my credit checked...never had a credit card or cell phone in my name...

 

[FoBoT]

get your full free credit report from all 3 agencies from

http://annualcreditreport.com

it explains how to dispute items

basically go through all 3 reports and dispute all the items that are wrong. then after about 1-2 months, check it again and you shouldn't have any errors on your reports

 

[HybridSquirrel]

get your full free credit report from all 3 agencies from

http://annualcreditreport.com

it explains how to dispute items

basically go through all 3 reports and dispute all the items that are wrong. then after about 1-2 months, check it again and you shouldn't have any errors on your reports

the one im looking at has it frmo all 3....but i dont have anything from equifax to report...like they have no info of mine.

 

[FoBoT]

ok
dispute incorrect items
they'll take them off
your score will go up
...
profit!

 

[rcpratt]

If you've never had a credit card or a loan or a mortgage...they might have denied you because of your lack of credit.

 

[Xcobra]

annualcreditreport.com ftw!

 

[HybridSquirrel]

If you've never had a credit card or a loan or a mortgage...they might have denied you because of your lack of credit.

its a college card, all college kids are pre-qualified, doesnt matter what your credit is like. at least thats what she said


@Fobot....there is no way for me to tell what the infractions are for...it just says they are there


edit: fuck, ok i finally figured this shit out. experian says the 2 things against me were from medical bills 2yrs ago that i already paid off and are closed but transunion wont let me view unless i pay them. wtf

 

[FoBoT]

just dispute the medical things, they have to remove it once you dispute it unless they can prove it is correct, if you paid the bill , it can't be correct, so it'll be removed

99.999% of wrong stuff will get removed just by you disputing it

 

[HybridSquirrel]

just dispute the medical things, they have to remove it once you dispute it unless they can prove it is correct, if you paid the bill , it can't be correct, so it'll be removed

99.999% of wrong stuff will get removed just by you disputing it

alright im disputing those right now, but transunion wont let me view what they have against me....arent they required too?

 

[HybridSquirrel]

fuck this im going to get drunk.

 

[SunSamurai]

Pure winner right there.

 

[nerp]

Even if you paid debts that went to collections, they'll stay on your report for some time. They may be marked as paid, but they're not going away instantly. It takes time.

 

[Muadib]

its a college card, all college kids are pre-qualified, doesnt matter what your credit is like. at least thats what she said


@Fobot....there is no way for me to tell what the infractions are for...it just says they are there


edit: fuck, ok i finally figured this shit out. experian says the 2 things against me were from medical bills 2yrs ago that i already paid off and are closed but transunion wont let me view unless i pay them. wtf

You are in a state where they have to provide you with your report for free. You may have to call, or write them to get it. I think you now know the cause, but I would call all 3 of the credit bureaus, to make sure they all have the same info. It may be 7 years from the time you paid off your medical bills, before it is removed from your history.

You can call and dispute it, but if it's true, and your medical account was sent to a collections agency, you are screwed.

 

[HybridSquirrel]

You are in a state where they have to provide you with your report for free. You may have to call, or write them to get it. I think you now know the cause, but I would call all 3 of the credit bureaus, to make sure they all have the same info. It may be 7 years from the time you paid off your medical bills, before it is removed from your history.

You can call and dispute it, but if it's true, and your medical account was sent to a collections agency, you are screwed.

Transunion wanted me to provide them with a utility bill in my name...and cell phone bills don't count. I don't pay utility bills, so I can't prove my identity. Its so retarded.

 

[Zstream]

This is why you need to go to https://creditcheck.experiandirect.com/PREMIUM/Default.aspx and signup. You can do online disputes once you order the 29.99$ credit report.

I removed three negatives this way. Just be aware of the 8$ a month charge, you can cancel at anytime. It requires a phone call.

 

[Muadib]

Transunion wanted me to provide them with a utility bill in my name...and cell phone bills don't count. I don't pay utility bills, so I can't prove my identity. Its so retarded.

You should write them & explain it all to them then. As the letter will be from the address they have on file for you, you should be good. How old were you when you got that medical bill? Were you a minor?

 

[jlee]

Transunion wanted me to provide them with a utility bill in my name...and cell phone bills don't count. I don't pay utility bills, so I can't prove my identity. Its so retarded.

Will they take a vehicle registration?

 

[HybridSquirrel]

Will they take a vehicle registration?

no they told me it had to be a utility, cable...home phone...water...power ect....\

@muadib, 1 was when i had just turned 18..the other 2 were when i was 19

 

[Muadib]

I would put in a dispute then. It can't hurt especially if you were still in school.

 

[HybridSquirrel]

I would put in a dispute then. It can't hurt especially if you were still in school.

ill call them and dispute it tomorrow.

 

[DaWhim]

pay your bills, deadbeat!

 

[HybridSquirrel]

pay your bills, deadbeat!

i didnt have a job and had to get surgery thats what the medical bills were from. they have all been paid off for 3 years now.