b**l
发帖数: 374 | 1 原来有760，现在只有700了
说是
Your FICO® Credit Score is affected by the Key Factor(s) below:
1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED:
Your credit report shows a derogatory public record (such as a
bankruptcy, foreclosure, civil judgement or tax lien) or collection which is
generally more risky to lenders. Note: A satisfied public record or paid
collection will remain on your credit report for 7-10 years.
2. LACK OF RECENT INSTALLMENT LOAN INFORMATION:
There is either no recent activity or insufficient information abour
your installment loans. Having a loan along with other types of credit
demonstrates that you are able to manage a variety of credit types.
这是什么意思，我没有loan，最近有医疗帐单，可是也付了啊，怎么回事儿？哪里能查
到具体原因？ |
m*****p
发帖数: 325 | 2 原因就是欠钱了 DEROGATORY PUBLIC RECORD OR COLLECTION FILED
去要一份信用报告来看吧 |
l*********t
发帖数: 577 | 3 第一条 collection，这个很严重。有些银行不管你分数多少，只要有collection就直
接拒你。赶紧搞清楚是怎么回事。
is
【在 b**l 的大作中提到】
: 原来有760，现在只有700了
: 说是
: Your FICO® Credit Score is affected by the Key Factor(s) below:
: 1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED:
: Your credit report shows a derogatory public record (such as a
: bankruptcy, foreclosure, civil judgement or tax lien) or collection which is
: generally more risky to lenders. Note: A satisfied public record or paid
: collection will remain on your credit report for 7-10 years.
: 2. LACK OF RECENT INSTALLMENT LOAN INFORMATION:
: There is either no recent activity or insufficient information abour
|
s**********g
发帖数: 14942 | 4 annualcreditreport.com
第一条是主要的
有了破产或者讨债记录
可能不是你的被加到了你的头上
也可能是账单没付，例如医院账单，被卖给了讨债公司
is
【在 b**l 的大作中提到】
: 原来有760，现在只有700了
: 说是
: Your FICO® Credit Score is affected by the Key Factor(s) below:
: 1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED:
: Your credit report shows a derogatory public record (such as a
: bankruptcy, foreclosure, civil judgement or tax lien) or collection which is
: generally more risky to lenders. Note: A satisfied public record or paid
: collection will remain on your credit report for 7-10 years.
: 2. LACK OF RECENT INSTALLMENT LOAN INFORMATION:
: There is either no recent activity or insufficient information abour
|
d****y
发帖数: 312 | |
N***1
发帖数: 698 | 6 同问，怎么才能搞清楚？
【在 l*********t 的大作中提到】
: 第一条 collection，这个很严重。有些银行不管你分数多少，只要有collection就直
: 接拒你。赶紧搞清楚是怎么回事。
:
: is
|
l*******e
发帖数: 4009 | 7 大家都怎么查自己信用分数的，付费吗
Credit Karma怎么样，靠谱不 |
W****r
发帖数: 835 | 8 annualcreditreport.com
【在 l*******e 的大作中提到】
: 大家都怎么查自己信用分数的，付费吗
: Credit Karma怎么样，靠谱不
|
m******n
发帖数: 15691 | 9 http://www.identityguard.com/
三个分数和报告，可以模拟如何增加分数
大家都怎么查自己信用分数的，付费吗
Credit Karma怎么样，靠谱不
【在 l*******e 的大作中提到】
: 大家都怎么查自己信用分数的，付费吗
: Credit Karma怎么样，靠谱不
|
l****5
发帖数: 5865 | |
|
|
X*******8
发帖数: 3895 | 11 这个不是你真正的信用分数。FICO有用的。但贷款等觉大多数用那个三家的。
is
【在 b**l 的大作中提到】
: 原来有760，现在只有700了
: 说是
: Your FICO® Credit Score is affected by the Key Factor(s) below:
: 1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED:
: Your credit report shows a derogatory public record (such as a
: bankruptcy, foreclosure, civil judgement or tax lien) or collection which is
: generally more risky to lenders. Note: A satisfied public record or paid
: collection will remain on your credit report for 7-10 years.
: 2. LACK OF RECENT INSTALLMENT LOAN INFORMATION:
: There is either no recent activity or insufficient information abour
|
m*******r
发帖数: 20 | 12 你可以从annualcreditreport.com网站上要三个信用评级公司的信用报告。看里面的对
你信用产生负面影响信息，如果信息不属实，你可以向三个信用评级公司报告，让他们
去调查， 或者你可以自己打电话直接联系给你造成负面影响的公司，让他们调查，然
后再向信用评级公司报告。
is
【在 b**l 的大作中提到】
: 原来有760，现在只有700了
: 说是
: Your FICO® Credit Score is affected by the Key Factor(s) below:
: 1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED:
: Your credit report shows a derogatory public record (such as a
: bankruptcy, foreclosure, civil judgement or tax lien) or collection which is
: generally more risky to lenders. Note: A satisfied public record or paid
: collection will remain on your credit report for 7-10 years.
: 2. LACK OF RECENT INSTALLMENT LOAN INFORMATION:
: There is either no recent activity or insufficient information abour
|
m******n
发帖数: 15691 | 13 FICO难道不是从三家里面挑一家的分数显示嘛？
Discover 挑exp， Citi 挑T
这个不是你真正的信用分数。FICO有用的。但贷款等觉大多数用那个三家的。
is
【在 X*******8 的大作中提到】
: 这个不是你真正的信用分数。FICO有用的。但贷款等觉大多数用那个三家的。
:
: is
|
X*******8
发帖数: 3895 | 14 不完全吻合。甚至差别很大。
【在 m******n 的大作中提到】
: FICO难道不是从三家里面挑一家的分数显示嘛？
: Discover 挑exp， Citi 挑T
:
: 这个不是你真正的信用分数。FICO有用的。但贷款等觉大多数用那个三家的。
: is
|
T******o
发帖数: 136 | 15 go to http://www.consumerfinance.gov/
and submit a complaint. They will investigate and take care of it for you. |
