The statement “Your credit file indicates you may have a mortgage loan” is presented as a question when you request a free credit report online at annualcreditreport.com, in order to verify your identity. It is one of a series of…
The statement “too many consumer finance company accounts” that appears on your credit report means you have accounts creditors see as high-risk, overly expensive, or otherwise detrimental. Having as little as one consumer finance account can hurt your score, even…
Some banks will allow you to open an account even if you’re not a resident of that state, but many will not. Online banks that have no physical branches are often the easiest places to open an account, and larger…
Receiving the message “Unable to verify credit references” usually occurs when application of credit is denied. It is required by federal law when the applicant is issued an adverse action notice which states the specific reason for the denial. Typically,…
You may receive the adverse notice reason of “credit card denied, unable to verify identity of applicant”, when you have not been approved for credit. This message is likely due to a mismatch in information between what you have provided…
If you receive an error that prevents Experian from being able to accept your request for a credit report, it may be due to some type of ad blocking software you are using with your Internet browser. This error typically…
If you see ‘WUVISAAFT’ appear as a charge in your bank statement transaction history, it is typically the result of a transfer of funds that you made with your credit or debit card using Western Union money transfer services. The…
If you see ‘FID BKG SVC LLC’ appear on your bank account transaction history, it is typically the result of a transfer of funds you made into a Fidelity Brokerage Services account. The label ‘FID BKG SVC LLC’ can be…
If you see ‘ONLINE PAYMENT WEST DES MOIN’ payment transaction in your bank statement, it is simply the result of paying off your outstanding Wells Fargo credit card balance, either partly or in full. A screenshot of the Wells Fargo…
Chase will typically report to credit bureaus between 3 to 5 days after the payment due date specified on your credit card statement. The date on which Chase will report to the credit bureaus can be referred to by any…