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Post by tania7424 on Jul 23, 2014 1:20:23 GMT
No. It's not even reporting on his report to begin with. The only time it reports on both is if the account is Joint.
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Post by tania7424 on Jul 23, 2014 1:26:44 GMT
Then it would disappear. I'm surprised it's even listed. If you want a really good credit report, use Equifax. TransUnion is awful. I have accounts that have been closed over 10 years still on there.
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Deleted
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Oct 5, 2024 13:23:45 GMT
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Post by Deleted on Jul 23, 2014 1:33:45 GMT
I just got an Equifax one for both DH and I and our authorized users show on each others reports. And it also had very old accounts on there. SO I am not sure anyone is truly better than another.
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Deleted
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Oct 5, 2024 13:23:45 GMT
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Post by Deleted on Jul 23, 2014 1:37:32 GMT
MyFICO is the only place you can get a real FICO.
And yes, if you remove him as an authorized user on the account, it will stop reporting on his bureau.
For a mortgage, yes, they will look at all three credit bureaus.
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Post by eebud on Jul 23, 2014 1:50:20 GMT
Like Busypea said, myfico.com is the place to go for your real credit score. You have to pay at this site. You might want to start at creditKarma.com. It is free and will give you an idea of where your score is. I believe they use TransUnion.
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Deleted
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Post by Deleted on Jul 23, 2014 1:52:44 GMT
Thanks. will it still show the past credit history while he was an authorized user? It usually does not, because it was never technically his account, but sometimes... odd things show up. Bottom line, though, even if it does show and with a balance, it should be excluded from his score calculation and his debt-to-income ratio because as an authorized user, he is not legally liable to pay that debt. He should definitely push back if it does show and they use it in any debt calculations. |
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Post by Ryann on Jul 23, 2014 2:56:22 GMT
DH and I are going through the home purchase process right now. Our lender uses a tri-merge credit report and from the way he explained it, it's calculates things differently than the consumer version that you/I can get from the three reporting agencies - sometimes it works in your favor, sometimes not. For our home loan, they take the FICO scores from the tri-merge and use the middle of the three - discarding the lowest and highest of the three scores (for each person).
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Deleted
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Post by Deleted on Jul 23, 2014 4:24:39 GMT
DH and I are going through the home purchase process right now. Our lender uses a tri-merge credit report and from the way he explained it, it's calculates things differently than the consumer version that you/I can get from the three reporting agencies - sometimes it works in your favor, sometimes not. For our home loan, they take the FICO scores from the tri-merge and use the middle of the three - discarding the lowest and highest of the three scores (for each person). Yes, you are right that the FICO we as consumers can access will probably not be *exactly* the same one that mortgage lenders use (FICO has multiple different algorithms it uses to calculate scores - they are all very similar, but not exactly the same). However, it will be close enough for you to have a very good idea what the lender is going to come up with. |
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