Experian Credit Report Terms
2010
Fair credit (student) + Good credit (cosigner)?
I’m looking into private loans and I have about a fair credit score (640-662). I estimate that my mom has good credit (high 600 to low 700) since the last time I checked (about 6 months ago) she had a $100 collection which we paid. Neither of us has ever had a late payment.
I am wondering if anyone who has applied for a loan (or works with a loan company) has had an approval with a similar credit situation.
I am mainly looking at Discover because they seem to have the best terms and offer a rate reduction after graduating. Does anyone know which credit report they check (Transunion, Equifax, Experian)?
Will provide more info if requested.
most credit card companies try to look at Equifax or they will do 3 credit checks to make sure their is nothing wrong with your credit and also to see how responsible you on paying on time.
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