unbeleivible

baseballmembaseball

Do this. Pull the copies from all the three bureaus and compare each of the accounts reported. You need to sort out the incorrect entries first. Placing fraud alert is also good in case you don't know about an unknown account in your name. Compare the credit copies thoroughly and see what you find there.

Well, that is a strange situation. I would definitely pull your credit report. It is really possible that your identity has been tampered with---have you been receiving collection calls or something?

There may be a more innocent explantion, too. According to a friend who runs a subprime credit reporting agency (the kind used by pdls and rent-to-own shops), more than 50 million Americans have what are known as "thin credit files." That means that they have little or no credit history, which makes it impossible to accurately calculate a FICO score. I wouldn't be surprised if you run a 3-in-1 report and at least one of the bureaus reports no score at all.

Remember, a credit score is intended to evaluate the risk a potential creditor faces of you defaulting on a loan. When you have little or no credit history, it's difficult to determine whether you're a risk or not. And the formula used to score you comes up with either a very low number or no number at all, because there simply isn't enough data to fill all of the variables.

Having said this, you should still pull the report to make sure no identity theft has occurred and that no items have been mistakenly put on your report that actually belong to someone else. Example: I'm a Jr. For years my father's mortgage appeared on my report since we had the same name and even though I moved out at 17, I used his address as my "permanent residence" well into my mid-20's. I'll grant that it was an honest mistake by the credit bureau but it still affected my own score.

I have recieved all the reports and 3 citibank cards have been removed, but I found a judgement on there and I have never had the card or knew that I was suppose to go to court! Is there anything I can do about this? Any clue how much my score will raise?

Thanks for the advice

If you are sure that the judgment posted in your credit file is incorrect, dispute with the CRA. These incorrect negative entries hurt the credit severely. Not sure, how much your scores will rise, but it will definitely make a good impact on your credit ratings. Later, you will concentrate on fixing your credit with the accounts posted negatively with right information.