How do you get a credit report if you don't qualify for a credit card?

My friend has been getting calls from a car insurance company saying her ins. is about to expire. She don%26#039;t have a car or insurance! She%26#039;s started getting letters from credit card companies for cards, when she%26#039;s always been rejected before. She%26#039;s never had a credit card and doesn%26#039;t qualify for one. She%26#039;s on disability and can%26#039;t work. Nothing has changed in years. Think her identy has been stolen? What steps should she take to check things out?

How do you get a credit report if you don%26#039;t qualify for a credit card?

Go to annualcreditreport.com - that%26#039;s the government site for free reports. She can actually print out all three tonight if she wants. She can only get one free per year from each agency. Freecreditreport.com makes you pay for a monthly service if you want the free reports (go figure).

Fraud FAQ%26#039;s.

http://www.experian.com/consumer/fraud_f...

She should also be able to get free credit reports from all three credit reporting agencies if fraud is expected, but she needs to contact them all if fraud is expected to place a fraud alert. This will prevent anyone from signing up for credit in her name.

www.experian.com

www.transunion.com

www.equifax.com

Good luck.

How do you get a credit report if you don%26#039;t qualify for a credit card?

freecreditreport.com will give you a free report once a year no matter what. I think there is another one called truecredit.com that will give you all 3 reports for free.

How do you get a credit report if you don%26#039;t qualify for a credit card?

freecreditreport.com

Everyone has credit, even if they haven%26#039;t had an account.

Below post state that you will be charged at freecreditreport.

You will be charged, but only if you don%26#039;t cancel within the first 15 days or so. You are automatically enrolled in %26quot;triple advantage%26quot; to get the %26quot;free%26quot; report, you just need to cancel triple advantage right after you get the report.

It is free, as long as you aren%26#039;t a moron about it.

**It seems that people still have a hard time with this. Go to freecreditreport, and CANCEL your enrollment in triple advantage within the first MONTH. It is free if you do this. Geez**

How do you get a credit report if you don%26#039;t qualify for a credit card?

These are scams...if she does not have the things they are calling about then she just needs to hang up on these people. Tell her NEVER to give out her personal information. They are trying to commit identity theft!

How do you get a credit report if you don%26#039;t qualify for a credit card?

don%26#039;t go to freecreditreport.com, that%26#039;s a scam site run by Experian (a credit reporting agency!!!) lol.. go to experian.com and ask for a LEGIT TRULY FREE credit report there... if someone checks your credit and u get denied then you have 30 days or something to get a free one each time... good luck!

How do you get a credit report if you don%26#039;t qualify for a credit card?

Go to experian.com and get a free report. They will ask name, address, social security #, etc so she can see if somenone else is using her info

How do you get a credit report if you don%26#039;t qualify for a credit card?

Don%26#039;t go to freecreditreport.com like that other person said, they charge you, it is not free. However, she can go to annualcreditreport.com and get a free copy of her credit report from all three credit bureaus. She definitely needs to look into this to see whats going on. Could be a mistake or it could be identity theft.

How do you get a credit report if you don%26#039;t qualify for a credit card?

there is a free credit report from the us gov website that she can get, she is permitted one a year. You%26#039;ll have to poke around online to find it, it%26#039;s in the US gov site. query free credit report, totally free by government or something.

How do you get a credit report if you don%26#039;t qualify for a credit card?

A Credit Card Report is another way that the Federal Government can control your life and your real lifestyle; not just your %26quot;political lifestyle%26quot; . . . Thus, it IS another step toward Socialism . . . Do we need a Revolution or what??

How do you get a credit report if you don%26#039;t qualify for a credit card?

freecreditreport.com is not FREE.

You need to go to http://www.annualcreditreport.com and are allowed one free per year from each of the big 3(TransUnion, Experian, Equifax). This is the offical government required site and the only one that she can get the free one from.

Since she has no history they may require her to have it sent by mail rather than viewing it on-line. However, the site will let her know if it can or can%26#039;t be done on line.

How do you get a credit report if you don%26#039;t qualify for a credit card?

You don%26#039;t have to have a credit card or even any debts to have a credit file. If you subscribe to a magazine that publisher may report you as a good payer to a credit reporting agency and a credit file is then created in your name. That%26#039;s why credit card companies sometimes solicit cats and dogs when their owners subscribe to magazines in their pet%26#039;s name as a joke.

However the insurance issue is very suspicious. She should get a copy of her credit file to see exactly what is on it.

How do you get a credit report if you don%26#039;t qualify for a credit card?

She needs to contact the credit bureaus there are 3 of them....then she needs to let them know her identity has been stolen. Once she does that they will send her, her credit report. She can look through it and decide what actually belongs to her and what does not. She can dispute any charges that appear on her credit report that are not hers!!! It might take a while......

She also needs to talk to the car insurance company. Don%26#039;t bother with the customer service people...they are there only to take care of the mass majority of people.... not people with special cases like your friend. Tell her ask for the supervior%26#039;s supervisor.......or someone who can actually help her an not pass her off. I always use the line %26quot;your not telling me what I want to hear, so pass me to the next person who can help me%26quot; That always gets their attention. Hopefully they will take care it properly.

How do you get a credit report if you don%26#039;t qualify for a credit card?

No, no, no! Its NOT Freecreditreport.com. Don%26#039;t use that site! It belongs to Experian, and consumers are commonly tricked into signing up for a credit monitoring service for $12 a month which is totally unnecessary, and NOT required to get your free credit report. But they make it seem like you are getting a %26#039;free%26#039; service, and don%26#039;t explain it well. You would have to visit that site to see what I mean. And if you go to that site, the fact that you are signing up for the $12 a month service is NOT clearly indicated. You have to look very close for the details on it. You actually have to look pretty hard to find the link for the actual, no strings attached free credit report. It is there, but you really have to search pretty hard to find it. Its rather sleazy if you ask me, and a LOT of people are tricked into unknowingly buying this service. Its %26#039;free%26#039; for the first 30 days, and then your credit card is charged every month after that. Just do a google search of something like %26quot;freecreditreport.com rip off%26quot; and tons of pages come up!

You are entitled to one free credit report each year. And the ONLY place to do that officially is www.annualcreditreport.com. This site has been setup by the three major credit reporting companies - Equifax, Experian, and Transunion. It is the ONE, AND ONLY site which is authorized by all three of the companies to deliver free annual credit reports to consumers. You can get all three reports totally free using this one site - no strings attached!Follow this link to the FTC%26#039;s web site regarding this issue, and for more information:

http://www.ftc.gov/bcp/conline/pubs/cred...

Hope this helps.

BTW, in my opinion, her identity was not stolen. I say that because if she cannot get credit cards because she was always turned down, then what good is her identity to thieves? If she had a good, solid credit history, then it would be a different story. But I really doubt that it was stolen. Just my opinion...

How do you get a credit report if you don%26#039;t qualify for a credit card?

did you know that by law you are able to get a free credit report once a year to see where you stand...you dont have to apply for credit cards to get a copy of your report..i wasnt aware of this until a few years ago. this site is free to use and is very helpful in understanding whats on your report and then you can contact the creditors and settle with them...good luck.

How do you get a credit report if you don%26#039;t qualify for a credit card?

%26quot; In the United States, a person is entitled to a free credit report once every 12 months, this administered by the three nationwide consumer free credit report companies:

Equifax, Experian and TransUnion. The three companies will provide this free credit report jointly,the subject is walked through the process of getting their Free credit report when applying, which is via the internet. The subject is asked to imput their social security number, free credit report is then made available to be printed out.%26quot;

Go to: http://www.insightempire.com/freecreditr... you%26#039;ll be able to find further information pertaining free credit checks.

hope that helps

How do you get a credit report if you don%26#039;t qualify for a credit card?

you can go to freecreditreport.com

Company put false information on my credit report!?

My old apartments has turned over FALSE late charges to a collection agency and in turn they have put it on my credit. I moved out June 1st, they say I moved out June 8th, the woman from the collection agency called me on June 20th (under 30 days). I did not receive anything in writing just annoying phone calls. She stated the apt should have sent an invoice. They did not. I called the apts and the woman said they did not have address for me, however the collection agent said they have an address (which is correct) that they got from the apt. I was reading where u can contact each credit bureau and tell them about fraudulent charges, but looking more into it...the credit bureaus are talking about identity theft. I still think my situation would fall under fraudulent because the charges are incorrect and the woman @ the collection agency told me that it doesn%26#039;t matter if I dispute, they are only going to send it to them and they still mark it as unpaid and it stays on my credit. help

Company put false information on my credit report!?

dispute it

Company put false information on my credit report!?

All inaccurate information on your credit report should be reported to the credit bureaus. Check the website below on how to do it.

Company put false information on my credit report!?

When you moved out of the apartment did you actually turn in your keys? Alot of times people fail to turn in keys and they (the offoce) don%26#039;t know if it is actually vacant until someone checks it. Tenants assume the office knew the apartment was vacant because they were on notice to move out, but no one is psychic This may have been the case for you. You would be charged for those days if you did not turn in the keys. As far as getting an invoice, most apartment communites will send it to the address you lived at and count on you to forward your mail so that you get your bill. If you did not forward your address, then it would have returned to the apartment office. That may be why you did not get a bill. I would contact the apartment complex first and get all the details and your final statement from them. If the information is incorrect, they will be responsible for contacting the CA and getting it removed.

Company put false information on my credit report!?

apartments are full of losers that power trip because they have positions of authority. maintenance men are a dirty cops best friend, they have the keys and can make copies. got evicted once when maintenance b***** falsely complained about noise and other bogus complaints, him and his trash friends. got hit for 2800 on report when in fact him and his stalker buddies were harassing and stalking my family. the little punks think they are secret service agents. they use to steal the water bill so i would get late fees. they are losers and liars. contest it. they should pass laws which prohibit bogus complaints by liars like them. wish i could have called the feds to deport half of the employees there,but we know they are too busy with steroids or dog fighting.complain in writing to apartment association in your town. if that doesn%26#039;t work, try the media it%26#039;s commonplace b.s.

Is there anyway to get your credit report without having to have a credit card?

I can go through ,y bank to get it, but I would like to just use the internet

however I don%26#039;t have a credit card and most of the sites require it even freecreditreport.com

Is there anyway to get your credit report without having to have a credit card?

if you dont have a credit card .. what makes you think you have credit to begin with? am i missing something here?

Is there anyway to get your credit report without having to have a credit card?

The site you want to visit is:

http://www.annualcreditreport.com

That site will give you your credit report from each of the three major credit bureaus (Experian, Equifax and TransUnion) once per 12-month period. You don%26#039;t need to pay for anything (or enter debit/credit card information) unless you want to also see your credit score. The credit score is proprietary information each of the credit bureaus determines based on the information in their database, and the algorithms they use to determine the score.

Is there anyway to get your credit report without having to have a credit card?

You can request an annual free credit report from all three major reporting companies. You do not need a credit card but you do not get the fico score without a small fee. fyi - you don%26#039;t need a credit card to have a credit rating.

Is there anyway to get your credit report without having to have a credit card?

Or you could call them toll free @ 1-877-322-8228 for all 3 credit agencies.

Is there anyway to get your credit report without having to have a credit card?

Hi, you do not have to pay for your credit report. If you are asked to on a free site then don%26#039;t..... Everyone is allowed one free report once a year. There are three reporting agencies and you can get one free from each one, my advice is to get one from one agency and then a few months get the other one and then a few months get the third one. This way you can see if there is any differences in reporting and keep on top of any problems. Just go to experian.com or transunion.com and equifax.com

Good Luck

Is there anyway to get your credit report without having to have a credit card?

Maybe You should try to google it first ,nonetheless, if you prefer some direct resource ,here might be helpful.http://creditreport.online-helper.info/f...

Does a judgement fall off your credit report after seven years?

My nephew has a judgement against him for credit car debt. He is paying a monthly installment on it and will have it paid off in less than three years. He asked me how long it would stay on his record? I honestly do not know if it works like other credit debt and falls off? Any info would be appreciated

Does a judgement fall off your credit report after seven years?

Judgments normally show for 7 years or until the statute of limitations runs out whichever is longer.

Does a judgement fall off your credit report after seven years?

No, judgements do not work like the rest. The laws vary from state to state....in South Dakota a judgement is good for 20 years!

Does a judgement fall off your credit report after seven years?

as long as he%26#039;s making those payments it shows up on his report that he has a judgement an that he%26#039;s on a payment plan but when the debt is payed it should fall off but if he stops paying it would stay on his credit for 7 to 10 years

Does a judgement fall off your credit report after seven years?

Here is the facts about your credit history.....it all stays.

your credit score is generally calculated based upon the most recent 7 year history.

your creditworthiness is in the Eye of the Business thinking about giving you credit. In some circles, you may have a great credit score but they will use any means (your history) to charge you a higher rate. so they may look further back.

Dont look at your credit history as a collection of single events. look at the entire package , thats what creditors do.

you need to create habits and a credit pattern that shows you know how to handle money.

1. they say a debt/equity ratio of %26lt;.39 is good... guess what, you need to have one about .25

2. regardless of the D/E ratio. you need a budget that is based on what you take home......not what you can afford to make in minimum monthly payments.

3. Most of what you buy is Crap.....stop it. and stop listening to your friends and the TV about what it is you need.

4. your credit troubles are the result of marketing and peer pressure to have a life that is unsustainable for most people. Stop being Cool and start thinking about your future.

j

Does a judgement fall off your credit report after seven years?

You need to actively work to ensure marks against your credit come off when they are supposed to regardless of what it is.

Does a judgement fall off your credit report after seven years?

The judgement will stay on for 7 years. It wont matter if he pays the debt off sooner. It will still show up as a bad mark for his credit. even though its paid.

Does a judgement fall off your credit report after seven years?

I%26#039;ve seen some pretty old judgements on credit reports. They hang around for a long time, and IRS or state tax liens will never go away unless they%26#039;re paid...and even then you may have to fuss a bit to get them marked paid.

Does a judgement fall off your credit report after seven years?

Judgments, like most public records items, can stay on your credit report for 10 years, even if it is paid in full.

Does a judgement fall off your credit report after seven years?

based upon your situation,I think you should find something useful here.http://creditreport.online-helper.info/a...

Is it better for your credit report to close credit cards or leave open (& not use them)?

My son has a few credit cards that he doesn%26#039;t use and wants to close them out. I was told that closing them will affect your credit rating (in a negetive way). True or false?

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

Wow some people here give horrible advice. I gave a thumbs up to like, one person here.

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

It%26#039;s better to have available credit lines with balances under 30% of the limits. Make sure they are paid monthly and notice your scores increase. I%26#039;m in finance and do this for a living.

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

Yes, he just keep them open, unless the apr is really high

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

Closing a credit line will adversely affect your score.

I had several cards and had not used some in a long time ( zero balance ) because other cards offered better rebates. So I closed out 2 bank cards as well as a SEARs and KOHLs card.

Boy was I surprised when my score went down!!

The rationale behind this is that the credit guys think that you%26#039;re closing cards because you cannot handle the debt load - kinda stupid, but that%26#039;s the way the logic goes.

So, do not close the cards. Just leave them dormant and locked up and unused.

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

Not only is it better for him to keep the accounts open, it%26#039;s better if he carries a small balance on them, even if it%26#039;s just $10.

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

Closing them WILL negatively affect his credit rating.

Write down the card numbers AND the telephone number on the back of each one. Every 3 months, with the balance at or near zero, call the number and ask for an increase in the credit limit. Ask for 3 times what your current limit is. You will get 2 times your current limit normally. If they elect not to raise your limit ask for a manager. If they still dont, it is most likely because you havent used the card lately. Make a purchase with the card, and make one payment, but dont pay it off completely (pay at least the minimum payment though), then pay it off next month. Then make the call again.

You want to do this every 3 months. Your credit rating goes by payment history AND AVAILABLE CREDIT. If you have 2 $10,000 cards, you have $20,000 in available credit (if their balances are zero), but if you close them, you now have NO available credit, and your score could plummet.

Dont cancel the cards---but dont use them either unless you can pay them off very quickly. If you keep making the calls you will eventually have some very high balance cards. Thats a good thing for emergencies.

Good luck

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

It is better to close the accounts. Having open accounts that you dont use lowers your credit score. If you have a WaMu credit card, it shows you your credit rating every month online. It also gives you tips to raise your credit rating.

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

Well while I will admit that closing some cards may have a sligh effect on your sons credit rating, working in a bank has shown me that have increased exposure to credit may effect his ability to borrow in the fututre.

The bank will not only look at his credit score but how much available credit he has available to him. It doesn%26#039;t matter that he does not use them, the point is if the @#$$ hits the fan he could.

Therfore I would recommend closing all but one and making sure your son pays it off quickly and efficiently. Also with only one card; tempation will only be able to get him in so much trouble. Take it from someone who deals with people who have many cards, it%26#039;s a bad idea.

You guys are all dunces, its the exposure to credit thats the problem and right now he has good credit but give him time, that many cards is a bad idea, it%26#039;s easy to let you credit score go down.

So when you all who have so many cards go to your banks and have decent credit and get turned away, now you know why exposure to credit.

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

It%26#039;s all a matter of numbers. They look at the income, and the %26quot;available%26quot; balances. If he has 10 cards with 5k each and only makes 30k per year, he needs to close some. If he has 3 with 5k each he could leave them open, but should consider the fee%26#039;s for each into the equation.

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

close the card. if the cards were used and revolving credit established when closed it will be positive. shows credit worthiness

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

false -- if he has never had a bad mark on any of these credit cards it should not effect his credit score a bit.

Is it better for your credit report to close credit cards or leave open (%26amp; not use them)?

It depends, it hurts you more if you have too much credit out there and the ratio of balance to credit line is too high, if you have more than one with the same company you might want to look at consolidating them, and closing one. It isn%26#039;t the number of cards you have but that ratio that hurts your score, try to keep them under 20% of the credit limit and if you do close the account make sure the company closes it per customer request and ask for a letter for your records verifying that it was closed at your request.

How can i get a credit report without a credit card?

i need to get my credit history but i do not have a credit card

How can i get a credit report without a credit card?

Once a year you are allowed to get a copy of your credit info from all three creditors. You can go to www.annualcreditreport.com

Your credit and score updates every quarter. March, June, Sept, and Dec.

How can i get a credit report without a credit card?

See if someone can go-sign a small loan for you, say $300. Then make sure it is paid faithfully each month and add a little bit too it to show your reliable on paying your bills. After you have done that you have a credit history. Also credit is nt what it is cracked up too be. It causes a lot of financial problems. So if you need a credit card get a p/p one.

How can i get a credit report without a credit card?

You do not need a credit card to have a credit history. All debts you incur are part of your credit record, including mortgages, automobile loans, and any other debt you may have.

How can i get a credit report without a credit card?

You do not need a credit card to get a credit report.

Credit reports are free. Have you been turned down for credit? If so you need to give the company name to the credit repoting agency when you call them.

you get one a year for free anyway.

Credit Reporting Agencies

Credit Reporting Agencies collect information about you and your credit history from public records, your creditors and other reliable sources. These agencies make your credit history available to your current and prospective creditors and employers as allowed by law. Credit agencies do not grant or deny credit.

The credit reporting agencies are:

Equifax

PO Box 105873

Atlanta, GA 30348

800-685-1111

Experian

PO Box 2002

Allen, TX 75013

Consumer Credit Questions

888-EXPERIAN (888-397-3742)

TransUnion

Post Office Box 2000

Chester, PA 19022

(800) 888-4213

How can i get a credit report without a credit card?

go to annualcreditreport.com

You can get one free report each year from each of the 3 agencies.

You do not need a credit card to get these - only if you want to pay for your credit score.

How can i get a credit report without a credit card?

You can get a free credit report once a year from all three credit agencies. Just go to %26quot;annual credit report.com%26quot; The government entitles us to one free report a year, with out a credit card.

How can i get a credit report without a credit card?

Info on this topic here......

http://fixingyourcredit.blogspot.com

________________

How do i fix my credit report?

I had an apt. in Laredo and when we moved my so-called friend said she would take over payments since we just signed a year lease but when we moved i never heard from her, and now it is on my credit. luckily we got and apt. before it was on my credit but i dont plan on living here for the rest of my life. Is there anything i can do to fix this, or if i pay the 2000 dollars i owe will that even do anything tell help my credit out. any kind of input would be greatly appreciated.

How do i fix my credit report?

If you do decide to pay the amount owed try to negotiate with the creditor to have the item removed from you account. This would be better than having the item simply shown as paid. GOOD LUCK

How do i fix my credit report?

Pay off the outstanding debt and pay all of your existing bills early, not on time. Also, if you have a credit card balance try to pay it down as maxed cards count against you.

How do i fix my credit report?

Your credit will improve if you pay all your back debts and pay all your bills on or before they are due.

How do i fix my credit report?

Go to www.annualcreditreport.com and dispute it. If the dispute does not work, ask them to send you proof by %26quot;validating the debt.%26quot; If they do not validate or respond, by law, they are supposed to remove it.

How do i fix my credit report?

What alot of people don%26#039;t know is that you can actually settle the debt with whomever you owe. Meaning call them and tell them the situation and tell them you want to settle the debt. Sometimes they drop the debt by as much as 40%. My sister owed 1200 on a credit card she called and settled and they charged her $400 to resolve the debt. Try It!