Comments on: How Your Credit Score Is Calculated

Channel: Comments on: How Your Credit Score Is Calculated

By: Joseph

January 20, 2015, 10:32 am

No Zak, it will not. Different types of inquiries to your credit file have different codes on them. Checking your own credit report and/or credit score will be marked as a “soft pull” not a “hard...

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I’m closing on my first home Mar 2015. I have 2 negative accounts that are due to be dropped sometime in Mar 2015. I would love to have these fall off before we close on the loan. Is there anyway to...

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By: Chris

February 12, 2015, 9:44 am

I find it disturbing that an old debt stay on the credit file for the same amount of time as an unpaid debt. What is the point of paying off an old debt if there is no benefit to it? I pay off a $xxx...

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By: Alberto

May 12, 2015, 8:57 am

Hello, I opened an account back in Nov 2014 through a mattress store to purchase a mattress. I paid the account in full on April 2015, now I’m thinking about applying for a credit line through Dell to...

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By: yoyo

August 7, 2015, 6:53 pm

I need help understanding something about transunion and Equifax. I have read lots of articles about credit cards, and credit score. I thought I had everything under control, since I have perfect...

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By: Mark

March 23, 2016, 3:11 pm

I have been told that paying off debt that is in collection will do absolutely nothing to improve your credit score. The only thing that will happen is that you will be out of the money…. 7 years on...

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By: Broken Budget

April 29, 2016, 5:30 am

Dear Moderator – I had a Judgment that was paid in full through a Wage Garnishment. But times were hard so I filed for Chapter 7 bankruptcy. I’m allowed to get some of the funds back from that wage...

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By: kdf

September 8, 2016, 6:44 am

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By: EFX Moderator

September 12, 2016, 2:23 pm

We’re glad you found the information helpful. Best of luck in your financial future.disabledupes{ce06c20ee59091ba8c43ef6abee98f13}disabledupes

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By: Patrick

June 26, 2016, 4:45 pm

I was recently notified that Equifax calculates my credit score as 728. This is nonsense! I realize that 728 is not considered a low score but based on my multidecade perfect record of always paying...

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