In the United States, there are three major credit bureaus: Equifax, Experian, and TransUnion. Each bureau has its own way of scoring, which can be a bit confusing but is important to manage correctly. Here's a brief history of each bureau: 1. Equifax: It is the oldest of the three and was started in 1899 in Atlanta, Georgia. Initially, it provided credit reports to businesses. 2. Experian: It began in California and went through several mergers. Initially known as CCN Systems, it later became Experian in 1992. 3. TransUnion: Founded in 1968, TransUnion initially served the transportation industry. Over time, it expanded its services to include general consumer credit reporting. While all three bureaus consider similar factors like credit utilization and payment history, they weigh these factors differently. This can lead to variations in your credit scores across the bureaus. It is important to care about these differences because overlooking them can have real consequences. For example, if you never check your Experian report and it contains an error that drops your score by 50 points, a lender who checks only this score might offer you high interest rates or even deny you a loan. So, it's crucial to stay on top of your credit reports from all three bureaus.

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En Estados Unidos, existen tres principales agencias de crédito: Equifax, Experian y TransUnion. Cada agencia tiene su propio método de calificación, lo cual puede resultar un poco confuso pero es importante gestionar correctamente. Aquí tienes un breve historial de cada agencia: 1. Equifax: Es la más antigua de las tres y se fundó en 1899 en Atlanta, Georgia. Inicialmente, proporcionaba informes de crédito a empresas. 2. Experian: Comenzó en California y pasó por varias fusiones. Inicialmente conocida como CCN Systems, luego se convirtió en Experian en 1992. 3. TransUnion: Fundada en 1968, TransUnion inicialmente brindaba servicios a la industria del transporte. Con el tiempo, expandió sus servicios para incluir informes de crédito al consumidor en general. Si bien las tres agencias consideran factores similares, como la utilización del crédito y el historial de pagos, cada una les da un peso diferente. Esto puede llevar a variaciones en tus puntajes de crédito en cada una de las agencias. Es importante prestar atención a estas diferencias, ya que pasar por alto estos aspectos puede tener consecuencias reales. Por ejemplo, si nunca verificas tu informe de Experian y contiene un error que reduce tu puntaje en 50 puntos, un prestamista que solo verifique ese puntaje podría ofrecerte tasas de interés elevadas o incluso negarte un préstamo. Por lo tanto, es crucial estar al tanto de tus informes de crédito de las tres agencias.

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- If you have been denied multiple times on reconsideration calls immediately after applying and a few days later, it is advisable to wait until you receive the denial letter by mail. Then, try again with a well-prepared case explaining your response to the denial reasons. - It is essential to work on improving those denial reasons as well. Information on Reconsideration Lines: - Reconsideration agents are primarily concerned with your credit file, derogatory marks, and recent inquiries. They do not take into account your past card applications unless specifically requested. - Systematic declines are real and different from declines based on factors that can be overturned. Some applications are automatically rejected if they do not comply with the bank's rules. - Only bankers, often with the presentation of documents, can override these bank rules. A reconsideration agent may not be able to help you overturn a systematic decline. Thus, it is best to consider using a banker and opting for a more personalized application process. - These application systems are often poorly designed, which is why it is crucial to input all information correctly and precisely. During the Reconsideration Call: - Take the lead during the call and avoid being bounced around by the agent. Address the denial reasons and articulate your arguments politely. - "The Credit Card Accountability Responsibility and Disclosures Act (CARD Act) of 2009 requires issuers to explain in writing the reason your application was rejected. It is crucial to have this information before calling the reconsideration line so that you can explain politely to the agent why the bank's concerns are not relevant and how you would make an excellent customer." - Remember, the purpose of this call is to counter the reasons for denial. Stay focused on addressing those concerns since the only way to turn a denial into an approval is by alleviating the bank's concerns that led to the denial. Ensure you have a sound argument and avoid simply expressing your desire for the card.