What does XP TU EF mean on credit report?
What does XP TU EF mean on credit report?
Bureau names are: • XP = Experian. • TU = TransUnion. • EF = Equifax. #4APPLICANT & CO-APPLICANT INFORMATION.
What does F mean on credit report?
F: You’ve endured a bankruptcy, a repossession, a foreclosure, or another personal financial crisis.
What are the codes on a credit report?
Credit Report Rating Codes
| Installment Account (fixed number of payments | Revolving or Option Account (Open-ended) | Meaning |
|---|---|---|
| I5 | R5 | More than 120 days or four payments past due |
| I7 | R7 | Making regular payments under WEP. |
| I8 | R8 | Repossession |
| I9 | R9 | Bad debt; placed for collection |
Why did CREDCO pull my credit?
Lenders may use CoreLogic Credco’s merged reports to help determine whether to approve you for a loan. So a CREDCO inquiry on your credit reports could simply mean that you recently applied for a mortgage with a lender that relies on CoreLogic Credco for its credit-report needs.
Can someone run your credit without you knowing about it?
The Fair Credit Reporting Act (FCRA) has a strict limit on who can check your credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check your credit without written permission.
What is Tu interactive?
TU Interactive stands for TransUnion Interactive. TransUnion is one of the three main national credit bureaus. As their consumer-facing subsidiary, TransUnion Interactive provides credit reports and credit monitoring, identity theft protection, and other personal financial services to consumers.
What does E stand for on credit report?
90 = Number of times 90+ days delinquent. DEROG = Number of times derogatory. (more than 180 days delinquent) Payment amount types. E = Estimated.
What does D mean on credit report?
Default
D represents ‘Default’, which is recorded once the lender believes that the credit agreement has broken down, usually due to a sustained period of arrears. A default is also a form of account closure, meaning that defaulted accounts will be removed from your Credit Report once six years pass from date of default.
What company uses CREDCO?
Mortgage lenders and auto lenders are steady customers of CoreLogic CREDCO. So, if you recently applied for a pre-qual on a mortgage for example, you will likely see the CREDCO on your credit report rather than one or more of the three consumer reporting agencies—Experian, Equifax, and Transunion.
Does Wells Fargo use CoreLogic Credco?
If not provided at the time the Credit Package is submitted for underwriting, Wells Fargo Funding will obtain a credit report from CoreLogic Credco or Equifax prior to underwriting the file. This Loan Score will be used to determine pricing and Loan eligibility. Standard reserves vary depending on transaction details.
Can you sue someone for running your credit without permission?
If you believe that somebody wrongfully pulled your credit report, you might be able to sue them in state or federal court for damages. Your state’s laws may also offer additional relief and remedies.
How do I find out who ran my credit?
All you have to do to verify a company checked your credit report is get a copy. Every time someone, including you, checks your credit history an inquiry is added instantly. Your personal credit report lists all of the inquiries, including some not seen by anyone else.