From Credit Report

Nice Credit Report photos

A few nice Credit Report images I found:

Wildlife at Penn State 5
Credit Report
Image by pennstatelive
Gail Hossler submitted this photo of a bluebird at the Penn State Harrisburg campus. Hossler reports that the bluebird population has been expanding at the campus over the last few years thanks to alumnus Andrew Ohrman who revived the campus’ bluebird trail by repairing old boxes, putting up more and giving lectures on campus and in neighboring communities. He and his wife Cindy monitor the boxes regularly. Almost every box across the campus this year was occupied and has fledged either bluebirds, tree swallows, chickadees or wrens.

President Obama Visit 14
Credit Report
Image by pennstatelive
Allison Hedges, a senior broadcast communications major, and Bill Gardner, a multimedia production specialist, set up a camera for the Centre County Report at 5 a.m. in Rec Hall for President Barack Obama’s speech on Thursday, Feb. 3. Photo and video pre-set took place from 5 to 6 a.m., just before the Secret Service’s final security sweep of the building before the president’s visit.

How can you get your credit report without joining a club and give out your credit card number?

Question by June Baby: How can you get your credit report without joining a club and give out your credit card number?
All of these free credit report on the internet require your credit card info and want oyu to join a club which is totally crazy to me. If I need to join a club I would have asked for membership info. So there is no such thing as free credit reoprt at all?

Best answer:

Answer by bdancer222 is the site mandated by the FTC to allow you online access to your free annual credit reports from each of the three credit bureaus. Reports are free; scores are not. offers a free score estimator based on your TransUnion credit report. It’s not FICO (the score creditors use). But it’s kinda, sorta like FICO, give or take 50 points or so. Good enough if you are just curious about your score.

What do you think? Answer below!

Is there a difference between the credit report a creditor sees and your full report on file with the 3 CRAs?

Question by G-M-B-A: Is there a difference between the credit report a creditor sees and your full report on file with the 3 CRAs?
Correct me if I’m wrong but when you “pay for deletion” you are paying for any record of the debt to be 100% removed from the report that a potential creditor would see (like when you buy a car or credit card) .

–BUT the debt is never actually deleted from the credit report that you and the CRA have access to.

So, there are actually 2 forms of credit report: one that potential creditors see, and one which only you and the CRA see.

Is this correct??

I am asking because in previous answers to my “pay for deletion” questions, alot of people are saying that debts are never 100% deleted from credit reports.
So that makes me wonder what the phrase “pay for deletion” means exactly?

Best answer:

Answer by echo
When you request pay for delete, you are requesting full deletion. That means the tradeline will be deleted to where even “you” cannot see it. But, the CRA’s will still hold onto the information.
Yes in a way there would be 2 forms of credit report. One with all of the regular information on it that you and a creditor would see and another that “only” the CRA’s see……..unless…..hold on, I’m gonna confuse you some more lol…..

The only time that old or deleted items may possibly be seen is if a full factual report is pulled. You cannot pull a full factual and the general creditor or collection agency cannot pull a full factual. Generally it is only a mortgage company that can pull a full factual. And, (as far as I know) it is not done often.

If you apply for a mortgage that is 150k or more, then a full factual “may” be pulled.

Way back when it was rare for the average person to apply for a 150k mortgage, when a person “did” apply for that high of a mortgage the mortgage company had probably pulled a full factual report.

Now 150k mortgages are common and full factuals are not pulled as much as they had been.

Full factuals can contain information that is old and outdated and past the reporting SOL and may also contain newer information that had been removed for some reason before the reporting SOL had expired.

Know better? Leave your own answer in the comments!