[分享]关于credit score的几点补充说明

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[分享]关于credit score的几点补充说明

1306

2006-08-18 16:01:00

本人刚刚拿到transunion的credit report, 发现上面有几点值得注意的地方，特与大家分享。

1。我6月份在citi存过一笔CD，发现居然显示在credit report的regular inquiry里，也就是说，这个是作为hard pull, 存在报告里并且影响分数的，这点令我很意外。"The following companies have received your credit report. Their inquiries remain on your credit report for two years".看来以后存CD也要小心了，不知道大家有没有类似的经验。

The companies listed below received your name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full credit report. These inquiries are not seen by anyone but you and do not affect your credit score. 也就是说，大家平时收到pre-approved的信用卡可以放心大胆的去申请，成功率高而且不影响分数。

3。

The companies listed below obtained information from your consumer report for the purpose of an account review or other business transaction with you. These inquiries are not displayed to anyone but you and will not affect any creditor's decision or any score (except insurance companies may have access to other insurance company inquiries, where permitted by law). 去银行开户是不会影响信用记录的，大家放心。

我是因为申请citi的信用卡悲剧才拿到这个report的，不看不知道一看吓一跳，万恶的citi，说我有一次late payment才句的我，结果报告上根本就没有显示，一切都正常，除了有4个hard inquiry (两个属于citi, ft,尤其是那个CD).算了，我也不想跟citi去argue了，以后大家跟他打交道要千万小心了，服务态度差，开个账户要好长时间，还在credit report上有不好的影响,sigh,。。。。。。。。。。。。。。。。。。。。