credit report

Free credit report website?

2010-05-26T06:23:00.000-07:00

Is there a website were I can see my credit score for free? (Without any commitments or strings attached)

Free credit report website?

Yes, by law you are entitled to one report per year. Go to www.annualcreditreport.com and get it there. They get report from all 3 credit bureaus.

Free credit report website?

No but equifax is free but you have to cancel free 1 month in 30 days or THEN they charge you

Free credit report website?

I hope so, I want to go to a site like that too. I am giving an answer to keep looking back to see what other people have to say :-)

Free credit report website?

Not that I%26#039;ve found! Be careful to watch for scams. On the yahoo home page theres somethign on the bottom about a free credit score/report thing, and I did it and got charged 12 dollars to my bank account every month until I found out what it was. Be careful! I honestly wouldn%26#039;t trust anything that talks about a free credit report.

Free credit report website?

NO such thing, the free ones always have gimmicks or scams.

Free credit report website?

annualcreditreport.com will give you a free credit report, but will not tell you your actual score. You can see everything that is on your credit report though, and it does not charge any fee, or require a credit card number. It just asks some question to verify your identity. Most of the other credit report sites ask for a fee or card number.

Free credit report website?

you are entitled by law to get one free credit report annually through the three large credit bureaus. equifax, experian, and transunion. any one of these three companies should offer it.

Free credit report website?

Federal law provides for you to have access to your credit report at least once a year. The web site is http://www.ftc.gov/bcp/conline/edcams/cr... which is the web site for the Federal Trade Commission. Follow the instructions. Once you view your credit report print copy and keep. Examine for any unusual items if have any contract the credit rating agency.

What Is Your Unanswered CREDIT/CREDIT REPORT Related Question?

2010-05-26T06:22:00.003-07:00

I%26#039;ve become very credit-smart and would like to teach or help other people with their credit related issues.

Please tell me your question or concern and I will try to answer them and incorporated into a credit guide I%26#039;m creating.

Thanks!!

What Is Your Unanswered CREDIT/CREDIT REPORT Related Question?

Which one will favor your credit rating: Visa, MasterCard or American Express?

What Is Your Unanswered CREDIT/CREDIT REPORT Related Question?

I owe a lot of medical bills and they are with collectors but the never harass us or sue us. Whats up?

What Is Your Unanswered CREDIT/CREDIT REPORT Related Question?

are you going to charge much for the info?

What Is Your Unanswered CREDIT/CREDIT REPORT Related Question?

There%26#039;s over 400 questions posted in the Credit section alone. Answer some of them and share some of your knowledge.

You can help overcome the idiots.

Free credit report question?

2010-05-26T06:22:00.002-07:00

how do u cancel the 30 day free trial for the credit monitoring service?

Free credit report question?

To cancel, please contact Customer Service at 1-877-481-6826.

Free credit report question?

you should try to obtain a phone number and call them and send them an email for sure.

have your account number handy

Free credit report websites??

2010-05-26T06:22:00.001-07:00

i want to know what my credit is...I went to www.freecreditreport.com but they dont have one for canada... so is there a website for free like that but for canada??

Free credit report websites??

Well, you might want to try this website first to learn more about credit report and score:

http://www.freewebs.com/infosource100/cr...

%26quot;How Can I Get An Annual Free Credit Report?

By Dean Iggo

Obtaining an annual free credit report can keep you on top of your credit and allows you to check if there are any errors on your credit report. By receiving a credit report annually you can keep one step ahead in making sure there are no problems with your credit score.

There are three big firms that are nationally operated which you can receive an annual free credit report The 閳ユ競ig three閳?are: Equifax, TRW, and Trans Union Corporation. You can contact any of these credit bureaus to receive an annual free credit report. You can also check your local agencies as well but they generally charge a fee for this service.

The free credit reports will not automatically be sent out to you as the consumers need to request getting a report one of the following ways. You can go to www.annualcreditreport.com and obtain a credit report. This is the only authorized source for credit reports where customers can access their information online. This service is free of charge.

You can also call 877-322-8228 to receive a free credit report. The last thing you can do is fill out completely the form on the back of the Annual Credit Report Request brochure and then mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281. Make sure that you go through the centralized agency as by obtaining your report from other agencies you will not receive an annual free credit report but you will be charged for their credit services.

It does not take much time or effort to receive an annual free credit report. It is an important document as it could have ramifications to your employment, loan applications, and benefits. Considering the service is free there is no reason not to check up on your credit score to see if it can be improved or there are errors which need to be addressed. Checking on your credit should be an annual ritual as it is more important to know the status of your credit that the score that it holds. %26quot;

Free credit report websites??

search for credit reporting agencies. when you find them, request your free report. also you might try a search ie: (credit reporting agencies%26gt;canada)

Free credit report websites??

all over the internet heres one http://allsolutionsnetwork.com/FH/FH5461...

My credit was checked, I was told that I didn't have a credit score but my credit report showed

2010-05-26T06:22:00.000-07:00

It showed my car payments and a loan with my credit union, all paid on time. Does it make sense? I was told that I needed to get a credit card to establish credit but when I tried to get an gas card, their reply was that I didn%26#039;t have a credit score and I was denied. What can I do about this? Is there a credit card company that I can apply for with NO credit? Is there someone I can contact to discuss my credit situation? Please help.

My credit was checked, I was told that I didn%26#039;t have a credit score but my credit report showed I had credit.

Okay this can happen. Im trying to do a mortgage with a lady right now that has no credit score. I have to go to the agencies and try and get them to report.

Let me give you a few scenarios as to why your gas card company said there was no score and well as the other companies. There are 3 credit reporting agencies. Trans Union, Equifax, Experian.

1. Your credit union that you have your loan with reports only to Trans Union, not all 3. So when the Gas Company checked maybe they checked experian. Nothing will be there.

2. Your car loan was a co-signer. They gave it to you based on your co-signers credit. They may be reporting on the co-signers credit.

3. Your loans are less 6-12 months old. They show but the credit bureaus dont feel there is enough time to give you a score to show your credit worthiness.

Ways to fix these issues.

1. If they are only reporting to 1 bureau contact the other bureaus (links below) and get them to report it.

2. If they are only reporting on the co-signer get the bank to report on yours as well. If they wont get all your cancelled receipts and send them to the 3 credit bureaus to have them added.

3. Cant do anything about 3 but have more time that you have paid.

To answer your other question, yes CC companies like Capital One etc will allow you to get a secured CC. You give them 500 dollars in your savings account. They give you 500 dollars in a credit line. Its not a pre-paid credit card. If you charge 100 dollars, they will send you a bill for 20 bucks a month. If you dont pay it they wont take it out of the 500 dollars. They will charge you a late fee and hit you with a 30 days late on your credit report.

I would suggest getting 2 or 3 of these credit cards. It wont show on your credit report that they are secured. You can get them as low as 200 dollars. Now this is very important. If you have 2 of them at 200 dollars each. Thats 400 in credit. Never keep your monthly balance over 30% of what is availiable. So you give them 400 you have 120 bucks to use. 60 on each. The reason why is because that will change your score massively.

Your score will go up or down depending on this. If you have 70% of your availiable credit, it shows you are responsible and are budgeting. If you have 2% or 0% of your availiable credit thats not good. Your score will plummet. I was doing a loan for a friend, she had a 10,000 CC. She owed 200 dollars on it. Her fico score was 710. Her friend needed a loan so she took it out on her credit card. Her Fico dropped to 580.

Make sure you keep a running balance even if its 30 bucks so they will report every month.

Good Luck

www.transunion.com

www.experian.com

www.equifax.com

My credit was checked, I was told that I didn%26#039;t have a credit score but my credit report showed I had credit.

you dont start a zero.

and if you have a car loan, and you pay it each month, then you dont have a poor credit score either.

just check with chase for a credit card, they have many different cards suitable for different levels of credit.

*** better yet, if you have cash upfront like $300.00, go to your credit union and get a secured credit card. that shows up on your credit report, and just make sure if you use it, pay it off in full the next month

My credit was checked, I was told that I didn%26#039;t have a credit score but my credit report showed I had credit.

The best thing you can do is apply for a credit card through your bank. They understand you have no credit but hopefully you%26#039;ve had accounts with them for a while.

Otherwise, go to Macy%26#039;s an open a credit account. They%26#039;re famous for letting anyone get credit. You may start out with only $100 limit, but you have to start somewhere. Every 6 months you can request an increase. And once you have that card, you can get other cards and start establishing credit.

My credit was checked, I was told that I didn%26#039;t have a credit score but my credit report showed I had credit.

It sounds like the credit check showed an %26quot;invalid%26quot; score. That can happen if you have no credit, or if what you had in the past hasn%26#039;t reported in the last 6 months. Did you finish paying off the loans, then not use anything? If so, you%26#039;re starting over again. You can get some credit cards with no credit history, but expect to pay a deposit( secured card) or an annual fee.

You can call the company who denied you. They are legally obligated to provide you a written response within 30 days of receipt of your application. The decline letter would be your response. Check there for the phone #, they may or may not have published it. If it%26#039;s not there call the customer service number and ask to be transferred or given the # to the credit department concerning a decline. When you get through, make sure your social security # and date of birth were correct on the application. If both were wrong, they may not have been able to get a file.

My credit was checked, I was told that I didn%26#039;t have a credit score but my credit report showed I had credit.

http://creditcard.creditinspector.info has excellent info related to dealing with credit cards. Check it out!

Do debit/credit cards go on your credit report?

2010-05-26T06:21:00.002-07:00

I%26#039;m a college student, I dont have any credit cards, but I do have a debit/credit card. Do those help/hurt your credit rating?

Do debit/credit cards go on your credit report?

Debit cards don%26#039;t go on your credit report. Only credit cards that are solely credit cards. You should open one up just to establish some credit. It%26#039;ll be easier for you to get credit for things later in life. Just don%26#039;t run up a balance and get yourself in trouble.

Do debit/credit cards go on your credit report?

Yes.

Do debit/credit cards go on your credit report?

no, only credit cards go on your credit report..

Do debit/credit cards go on your credit report?

Debit/Credit cards issued through your bank do not go on your credit. However, if you overdraft your bank account and do not pay it, that will go on your credit. If you are looking to build credit, get a small balance card and always keep it below 50% of your allowable limit.

Do debit/credit cards go on your credit report?

yes

Do debit/credit cards go on your credit report?

Of course not.. I really can%26#039;t believe some people answered yes. The only accounts that go on your credit report are accounts that gave you credit. Your debit card did not extend you any credit, they%26#039;re simply letting you access the money you have in the bank.

Repairing Credit Report?

2010-05-26T06:21:00.001-07:00

Is it true that if you make payment or settle with a creditor right before it %26#039;s 7 yr release date.., that you%26#039;re doing your report more harm than Good. I think its call REDATING%26#039; and it makes the clock start ticking all over.

Repairing Credit Report?

They go off the date of last activity, so some creditors or collection agencies may interpret that to mean last PAYMENT, which would be the recent one and start the 7 year clock over again.

To protect yourself, get in writing BEFORE you pay that they will DELETE the account from the 3 credit bureaus. (If they just want to mark your account PAID COLLECTION or PAID PROFIT %26amp; LOSS, this will still show up on your credit and probably won%26#039;t help you).

Repairing Credit Report?

Step-by-Step Credit Repair Guide

Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in ...........

Repairing Credit Report?

It%26#039;s always good to pay off your debts (If the creditor really wants to make your life miserable, they can actually %26quot;resubmit%26quot; the debt for another 7 years on your credit report) However, you are correct that if you pay off a debt, it stays as a %26quot;paid%26quot; collection on your credit report until seven years after you%26#039;ve paid it and that can look bad. However, you can talk with a collection agency and have them, when you pay off the debt, take it off your credit report. Just make sure you get the promise in writing.

Repairing Credit Report?

According to 搂 605(a) of the Fair Credit Reporting Act,

(a) Information excluded from consumer reports.

Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:

. . .

(4) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

If you make a payment that is charge off on a debt -- the seven year date begins from the date of original deliquency! If you pay off the item right before its 7 years release date -- it will drop from your credit report when the 7 year mark is reached.

Redating, or re-aging, is a violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Please refer to the website for follow-up action.

Please be advised that the measurement date of the date of original delinquency NOT the date of last activity!

Good luck.

Repairing Credit Report?

yes definitely. FIX everything you have on your report, dispute everything, because if they dont reply to your dispute, it will erase from your report - you can increase your score by a hundred easily if you remove these blemishes off your report

http://ebooks.interkeys.com/money/repair...

Bad Credit Report and Fraud how to stop it.?

2010-05-26T06:21:00.000-07:00

Ok let me start by saying i am here to get help not scolded. I am helping out my sister (and no it wasnt her who did it). Ok, My sisters identity was stolen (well borrowed) by someone she knows....and that ran up some things under her name. What i would really like to know is how she can stop it from happening again. The person paid her back and everything is ok now. But she is worried that it will happen again. She has talked to the cops and she doesnt want to get the person in trouble but she does want to make sure it does not happen again. What can she do? I know there is the 90 day watch she can do. But we also heard of locking her social security number or changing it. Can that happen? And most of all can it happen without filing a report.

Bad Credit Report and Fraud how to stop it.?

She won%26#039;t be able to just change her social security number. But she can contact the three credit bureaus and ask that a freeze be put on her account to be sure nobody opens any accounts in her name.

Bad Credit Report and Fraud how to stop it.?

she needs to put all 3 credit reporting agencies on fraud notice..

Bad Credit Report and Fraud how to stop it.?

All she has to do is contact the three credit bureaus and put a freeze on her credit.

This will prevent anyone from opening new accounts without her being contacted by the bureaus first.

All it takes to reverse this is a simply phone call to the credit bureaus.

Bad Credit Report and Fraud how to stop it.?

Call Trans Union Fraud Dept @ 1-800-680-7289. They in turn will notify the other 2 Bureaus for you at no cost.

Do credit cards without balances affect your credit report?

2010-05-26T06:20:00.003-07:00

Is it true that your credit is affected not only by the credit cards with balances but also those without balances??

Do credit cards without balances affect your credit report?

This is an evaluation after reading all the answers you were given.

First off *** do not close any of your credit card accounts. You need that history.***

All opened credit cards affect your credit score ! I agree with some answers that having a zero balance shows inactivity. So using them and paying them all off at the end of the month will not necessarily help your credit score.

What I suggest is putting a very very small balance on that card and make the minimum payments. Don%26#039;t even use 30% of the card. This will help you continue to earn a good credit score. Having a well round of credit card accounts with low balance that are paid on time will help you improve your credit score the most.

Your score will not be affected negatively by too much credit limit. The only way your score will decrease by too much credit limit is if you have A LOT of cards. (Like in the 20%26#039;s) The scoring system does not score you on your take home pay vs your credit limit. This is something a creditor might judge you own. (Remember when you applying for an account each creditor has their own criteria they are looking for.)

You will need a couple of MAJOR credit cards, and a few small revolving accounts. Please limit the department store accounts.

Do credit cards without balances affect your credit report?

Yes! Click%26gt;%26gt; https://www.annualcreditreport.com/cra/i... This central site ( Central meaning 3 Equifax, Experian and TransUnion).allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

AnnualCreditReport.com is the official site to help consumers to obtain their free credit report.

This site%26#039;s security protocols are designed to protect your personally identifiable information from unauthorized access or alteration. Measures include physical and

technological security and encryption of certain information.

Do credit cards without balances affect your credit report?

Yes, they impact both your credit score and your credit report. Your credit report lists all your open accounts, and your credit score can go up or down depending on different factors but applying for a new card and/or closing an account certainly can impact your score.

Do credit cards without balances affect your credit report?

The credit report will show any credit card accounts that are open. However, I am pretty sure that have a zero balance on a credit card can only help your credit report.

No one should have a lot of credit card debt; that hurts the credit report.

Do credit cards without balances affect your credit report?

If youve never used the credit card its like not even having it . If you use it periodically for small things then pay it at the end of the month , thats how you get good credit !

Do credit cards without balances affect your credit report?

Yep.....it shows as a possible liability. It affects your income to debt ratio.

Do credit cards without balances affect your credit report?

Sometimes, It depends on the buissness... Sometimes it says if you dont use it its like not being able to use what is in front of you. haha, or something like that. But it sounds more Legal...

Do credit cards without balances affect your credit report?

Any credit card you have that is open, whether you have a balance on it or not, shows as an %26quot;open line of credit%26quot; which can either help or hurt your cause. You can be looked at as Overextended if you have too many open lines of credit based on your income.

Do credit cards without balances affect your credit report?

Ok, everyone%26#039;s posted their answer on here, so now I%26#039;m going to post mine. Yes, credit cards w/o balances can affect your credit report, especially if you%26#039;re not using the account. If you%26#039;re not using it, the account doesn%26#039;t report any activity. The credit scoring system is designed to where it should be consistently used, but not overused. Anywhere up to 30% of your available credit is allowable. While it%26#039;s ideal to have a 0 balance, sometimes the activity from month to month on the account may or may not reflect on your report.

Do credit cards without balances affect your credit report?

Your credit score is made up 35% payment history, 35% debt to income ratio and account longevity, and 30% for alias%26#039; previous addresses, and a number of other small things.

While a couple of open accounts with no balance helps you, the potential liability of you running wild and being able to max them out and over extend yourself does play a part in the debt to income ratio. Be sure to keep your oldest account open. If the interest rate is high, ask them to lower it because you have paid and have a 0 balance. If they won%26#039;t, tell them to close the account. They will quickly back up and drop the rates.

If you have several accounts open, close a couple of them. As a general rule you want to carry a balance on one card and keep one or two others paid off. Even if it%26#039;s groceries on week on a card and you pay it off the next day.

I have found one way to help re-establish is to use a credit card like a debit card and pay it online daily or weekly if your servicer allows multiple monthly payments. It keeps the account cycling and reporting positive.

Do credit cards without balances affect your credit report?

yes, It shows that you have credit available to you and it is a good thing is helps your score

Running Credit Report?

2010-05-26T06:20:00.002-07:00

capital One Bank ran my credit 6 times in one month and 12 times in one year. This has ruined my FICO score. Can anything be done about this?

Running Credit Report?

Look at the next junk mailer from any credit card company - you%26#039;ll find the OPT OUT phone number. Call it from your home phone and you will be removed from the pre approved list that generates credit inquiries.

It%26#039;ll take a couple of months to change but by year%26#039;s end you should find a significant drop in junk mail and credit inquirie.

Running Credit Report?

cancel your credit cards

Running Credit Report?

you should determine why they ran your credit in the first place. were you showing some late payments or delinquencies? if not, you should get a hold of the credit bureau and dispute the entries that you feel were wrong.

Running Credit Report?

Did you request them to run the report? There are different kind of inquires as far as I know, one is when they run the report on your request and one is when these companies keep checking your report through consumer reports etc. The 2nd one does not impact your FICO score.

Running Credit Report?

Some inquiries don%26#039;t count against your score. These are usually the ones you don%26#039;t ask for. You can contact the credit bureaus and put a freeze on it so that no one can check your credit without your permission. You can also opt out of allowing firms that may want to make you an offer from being able to check your credit (ie. you didn%26#039;t ask for a credit card, they are fishing for good prospects)

Check with the credit bureau as unsolicited inquiries usually don%26#039;t impact fico so maybe there%26#039;s another problem.

Lastly you may be able to file a dispute letter on your record. It doesnt%26#039; change the score but at least any lender looking will see your explanation.

Running Credit Report?

1) assuming that they are running the report as a result for your request for credit, then stop asking (i.e. don%26#039;t apply for new lines of credit, credit cards, personal loans)

2) if they are doing it on their own, then it%26#039;s not affecting your score.

3) either way, if the same company checks your score multiple times in the same month, it%26#039;s only a %26quot;one time%26quot; hit to your credit score. If i were you, i%26#039;d be concerned that something else is negatively effecting your credit score. %26quot;checks%26quot; by creditors are much less detrimental than delinquencies or collections.

Does bad credit disappear from My credit report after 7 years, even though I still owe money? (Canad

2010-05-26T06:20:00.001-07:00

I have a credit card and I have not made payment on it since 2001, will the bad credit rating disappear even though I still owe the money?

Does bad credit disappear from My credit report after 7 years, even though I still owe money? (Canada)?

It depends on the creditors and own much is out standing.

Some will let it go and give up.... others will hurt your credit history until you pay them.

Does bad credit disappear from My credit report after 7 years, even though I still owe money? (Canada)?

No ..You didn%26#039;t pay it all!

Does bad credit disappear from My credit report after 7 years, even though I still owe money? (Canada)?

7.5 years

Does bad credit disappear from My credit report after 7 years, even though I still owe money? (Canada)?

No. If you owe money it stays there. You will still have to settled your debt to have it removed eventually

Just got my CREDIT REPORT and have nothing on it, is this good or bad?

2010-05-26T06:20:00.000-07:00

There is only my electoral role information and that%26#039;s is. Is there a good thing that I just have this? If not what steps can I take to improve it?

PS. I have never had a credit card and would like to keep it this way. I am good with savings and have a savings account that I contribute generously to every month.

Just got my CREDIT REPORT and have nothing on it, is this good or bad?

the only thing worse than no credit is bad credit. So down the road when you do need credit (say a mortgage or car loan) you have nothing to show you are a good candidate (well for a house there are other factors but a lending agency looks hard at your credit aswell)

Simply get a student (if you are a student) or bank visa with a low limit, say $500. and make small purchases that you know you are able to pay in full before the billing period and you will build a strong credit report over time, giving you a credit score for when it is really needed.

Just got my CREDIT REPORT and have nothing on it, is this good or bad?

No credit is more hurtful than even bad credit. The point of a lender viewing your credit history is to determine how risky an investment in you is. So having no credit the lender will not be able to make a decision. Even having bad credit the lender can at the very least determine that you%26#039;re higher risk and adjust your rate/terms appropriately.

Unfortunately the BEST way to start to build your credit up is to open revolving credit accounts... credit cards. Even if you don%26#039;t desire to have a credit card it is still possible to have one without any negative effects. Find a credit card that offers incentives (Cashback or free air miles) and use it for purchases throughout the month, your instinct will be to pay the entire balance off - but you can build your credit more rapidly by maintaining a balance (Keep it small!). That doesn%26#039;t mean you won%26#039;t help build your credit by paying the entire balance each month either though (Just not as effectively).

A good website to help find a credit card that is best for you is: http://www.bankrate.com/brm/rate/cc_home...

Hope this helps! Goodluck!

Just got my CREDIT REPORT and have nothing on it, is this good or bad?

Not having a credit history is not necessarily a bad thing. It will only become a problem if you intend on borrowing money. Most people borrow money for cars, houses, etc. But if you won%26#039;t be doing this then you don%26#039;t have a problem.

If you WILL need to borrow money in the future (and most do for at least a home) then you will need to establish some sort of credit history. The good news, however, if that you DON%26#039;T have to use debt to get there. Check out a company called PRBC ( http://www.prbc.com ). They are America%26#039;s alternate credit bureau. What is so great about them is that you can build a solid credit history by using non-traditional bills. Below is a list of some of the types of bills you can use to build a credit history:

* Rent

* Cable

* Phone

* Daycare

* Insurance

* Electric

* Natural Gas

* Cell Phone

Just got my CREDIT REPORT and have nothing on it, is this good or bad?

No credit is a good thing.

You don%26#039;t need a credit score to borrow money for a home. Find a bank that does manual underwriting. It%26#039;s not a sub prime loan. it%26#039;s how home loans were givin%26#039; before all the fico score worship. You can get the lowest interest rates out there.

Obsessing with the I love debt score will get you nothing but debt. You have to borrow money and make payments on time to get a high score so that you can go out and borrow more money. It makes no sense financially.

If you pay as you go.

If you live on less money than you make.

You will have money and will not have to obsess with the I love debt score.

Just got my CREDIT REPORT and have nothing on it, is this good or bad?

You may try to google it,here has some direct resource that might be helpful.http://creditreport.online-helper.info/a...

Just got my CREDIT REPORT and have nothing on it, is this good or bad?

GOOD FOR YOU!!

YOU have not succumb to the sharks. Build wealth and stay the hell away from the sharks.

NORMAL is BROKE AND IN DEBT. tons of people will say you have to have credit. Believe me if you have CASH , it says a lot more then if you have plastic.

Most reputable mortgage lenders do manual underwriting looking at Income against household expenses.

It%26#039;s best to not buy a car on credit either. Buy used and pay cash, save money you%26#039;d pay on payments in a fund for 1 year or 2 and trade up.

I wish truly wish I%26#039;d never let the sharks feed on me.

Don%26#039;t be normal. You have a true freedom I will have in a couple of year.

Thanks. For me it is important to know it can be done.

PLease help me!! Are credit report wesites like freecreditreport.com accurate?

2010-05-26T06:19:00.003-07:00

I gave them my information, but my year of birth is that of my sister%26#039;s as well as one of her late payments! I should have great credit and hers is ok credit, but somehow our personal infor is intertwined! What should I do? I knw she hasn%26#039;t stolen my credit cards or anything like that. So you think maybe it%26#039;s just a mistake by the website?

PLease help me!! Are credit report wesites like freecreditreport.com accurate?

It depends. Did you go to the actual credit reporting website, like were you transferred to the Experian or Transunion sites? And even if you weren%26#039;t, I would still worry.

Go the the gov site that lets you get all 3 reports for free. I think its www.annualcreditreport.com Get all three reports and compare them. If they have wrong information, you need to contact each of the individual companies and get the info corrected. Its not all that hard to do.

PLease help me!! Are credit report wesites like freecreditreport.com accurate?

No. It sounds like it%26#039;s a mistake by the credit bureau.

You need to contact them either in writing or online and tell them this- explain in as much detail as possible. They can fix it (and will) but it%26#039;s on you to tell them.

You absolutely must do this- you do not want your credit ruined by having it mixed up with someone else%26#039;s information!!

Just go on to the website and look for %26quot;dispute information%26quot; and look there- the exact place differs from site to site.

PLease help me!! Are credit report wesites like freecreditreport.com accurate?

You need to contact the credit bureau and request that they fix it. there should be a phone # on your credit report (even if you got it online) that you can contact them if you have any more questions.

PLease help me!! Are credit report wesites like freecreditreport.com accurate?

no probably not a mistake of the website but a mistake of the creditors...you have to call the credit people...for example...if it was put into collections you need to contact the collection agency and the original place that you or her started making payments to and straighten everything out....they wont straighten it out for you...you have to be the one to contact them and bring it to their attention....i have been through that before...its a lot of work but its definately worth it....i would write to the credit people you got your credit report from (for example Trans Union is a credit bureau) you would have to write to them or contact them in some type of way and let them know whats going on....well i wish you the best....good luck

PLease help me!! Are credit report wesites like freecreditreport.com accurate?

Step 1 - go to annualcreditreport.com and request your other reports. You can do this for free once a year.

Step 2 - check each one carefully for errors.

Step 3 - wherever you find errors, contact the credit reporting agency (Experian, Transunion, Equifax) and find out what THEIR procedure is for disputing an item. They will probably tell you to contact the alleged lender (and can give you the needed contact info) and they will also probably have you fill out their own dispute form (which sort of puts a hold on things until you can get it straightened out).

Step 4 - follow their instructions. Get EVERYTHING in writing (this leaves a paper trail if things get messy). All correspondence should be sent return receipt requested, so you can a). prove they got it and b). prove WHEN they got it.

This is not the easiest thing in the world to do, but you absolutely CAN do it yourself (DO NOT pay someone else to %26#039;clean-up%26#039; your credit). You just have to be diligent and follow-up on everything yourself.

PLease help me!! Are credit report wesites like freecreditreport.com accurate?

I cant answer for every case but when i have used freecreditreport.com it was not accurate. my credit score was much better on that report than what showed up when a finance company ran it.

PLease help me!! Are credit report wesites like freecreditreport.com accurate?

Those companies offering credit scores do not use the FICO Scores, so they won%26#039;t be totally accurate. If you want the real score, go to the source.

http://www.myfico.com

But that%26#039;s not the question she%26#039;s asking...

Yes, I%26#039;ll bet your report is accurate, and I can almost guarantee the credit bureau messed up. If they don%26#039;t have the creditor%26#039;s SS# those negative reports can go anywhere!

Someone with my name but in a differant city defaulted, and that report got on my credit record. I thought it was fixed, but a year later I discovered Equifax was still reporting it! Another 2 months of putting up with there excuses was enough for me, so I filed a small claims suit. Won a settlement with them.

So make them fix it!

What is your credit report number right now and what is the average credit in the USA??

2010-05-26T06:19:00.002-07:00

Let see who has the best number when you are honest!!! Are you having a bad or a great credit number?

What is your credit report number right now and what is the average credit in the USA??

Most people would not know their credit report score unless they recently got a loan. The number changes with the type of loan (car, home, credit card), when the report is requested, the reporting agency, and the type of scoring method.

What is your credit report number right now and what is the average credit in the USA??

no one is going to share that info with you

What is your credit report number right now and what is the average credit in the USA??

Average is 678. Mine? You guess right and I%26#039;ll give you a cookie : )

What is your credit report number right now and what is the average credit in the USA??

Anybody who gives you that number is a fool.

Please send me your bank account number and I%26#039;ll show you how to make a wire transfer withdrawal!!

Unable to retrieve credit report from annualcreditreport.com?

2010-05-26T06:19:00.001-07:00

could that mean that I don%26#039;t have any credit? because I doubt that I do. An employer is doing a credit check on me so I just wanted to make sure I wasn%26#039;t in debt from anything. I had readers digest falsely charge me for %26quot;free%26quot; gifts, so the collections went after me..but this was a few years ago when I was 17 yearsold.

Unable to retrieve credit report from annualcreditreport.com?

Try Freecreditreport.com thats what I use and It has helped me and if your credit its good,bad or no credit u should still see it ..

Unable to retrieve credit report from annualcreditreport.com?

Maybe you entered wrong information in the website...If you have credit like cell phone bills and things of that matter it would not show up but other then that something should be showing up on your credit report...and advice don%26#039;t run your credit too much its not good.

Unable to retrieve credit report from annualcreditreport.com?

You can all 877-322-8228 and you can get a credit report.

Cleaning up my credit report?

2010-05-26T06:19:00.000-07:00

I have a lot of old debt on my report. Plus a few things that were added about a year ago. A few things are going to fall off this summer. I went through 2 layoffs and a car repossession ( the car was a lemon that wouldnt even drive anymore). I have 2 civil judgements ( One is the car repo) reported as well. Anyone have any word of advice? Should I start paying off the newer debts or does it even matter at this point? Or should I send letters to the creditors asking them to remove negative remarks in exchange for a full payment? My score is very very low. Like under 400 low. I would like to be able to buy a house in 2 years and a new car sooner than that. Any advice would help

Cleaning up my credit report?

Well, it sounds like you%26#039;re trying to get things in order. To be honest, you%26#039;ve actually provided answers in your own question. But, I%26#039;ll add some extra strategies that you can do, but first you may want to know how your score%26#039;s broken down:

35% Payment History- This makes up the most of your score. This determines your payment habits

30% Total debt owed- This is the 2nd largest component of your score. This determines how much you%26#039;ve borrowed altogether

15% Length of credit history- This determines how long that you%26#039;ve been borrowing

10% Types of credit- This determines what purpose you%26#039;ve borrowed for. There are 2 main types of credit, revolving and installment. Credit cards are installment and mortgages, car, signature, student loans are installment loans.

10% Inquiries and new credit- This determines whether you%26#039;ve applied for new credit and new accounts that%26#039;s been opened it the past 6 months.

Now that you know that, the best way to bring up your score is to handle what%26#039;s hurting it the most: the late payments. My suggestion would be to pay off the most recent and smallest balance delinquencies first. Go ahead and play the waiting game that with the ones that will fall off this summer. The older ones, like you said you could negotiate for a %26quot;payment for deletion%26quot; off your report. If you%26#039;re able to get them to agree to this, get them to send you something in writing on their company letterhead before sending them a dime. Also, don%26#039;t use your checking account information. Send cashiers%26#039; checks or money orders. Make sure that you send everything certified mail. That way, you have a paper trail that can support you in the event they want to try to sheist you. As for the judgements, that may take a little more work. Those are going to be on your credit for a while, but the main thing right now would be to clear those delinquencies.

Another thing you can do if you%26#039;re paying on time and you want to show it is check this website out. It%26#039;s a New credit bureau that reports not only regular monthly payments like credit cards, car loans, that show on your report, but also rent utilities, cell phone, day care, and other monthly bills that DON%26#039;T show on your credit reports.

http://prbc.com/default.php?

This will help you a LOT. If you%26#039;re needing to build your credit, this is the perfect route to get you on the way to doing that. Check out this website thoroughly.

Cleaning up my credit report?

If you can afford to pay them off - I would definetly try negoiating with the creditors to have the info removed. I%26#039;ve heard of people doing this, but I%26#039;ve never actually heard if it worked or not, but the most they can say is no.

In the mean time, keep paying your bills on time. Get the judgements paid off - even if they don%26#039;t agree to remove them. Judgements can be refiled and it%26#039;ll be like they%26#039;ll never come off. / Keep credit balances below 30% or use cash / Don%26#039;t apply for too much credit - inquires can hurt your score and chances for getting credit when you need it. / More than likely, most of this is just going to take time. Try to be patient.

Cleaning up my credit report?

Go to trans union and pull your credit report for dispute. You make sure that everything is on there is accurate first. There is a space on there that allows you to make remarks like job layoffs, active duty etc. Then you need to start making payments to the people you owe. You can make settlements meaning settling for a specified amount that is lower than what you actually owe. Always save your receipts to show proof that you did pay.

Never avoid the bill collectors calls talk to them even if you have to pay the min. amount.

When you do a dispute by law the have about 30 days to respond if the companies don%26#039;t respond by law they have to take it off your credit report.

Don%26#039;t pull your credit score too much because that can have negative effect on your score.. You don%26#039;t have to pay your medical bills right away let that be your last thing because Mortgage companies see medical bills and student loans as an allowable debt.

Pay off the smaller bills first.... **No more late payments** From now on you need to budget your money and pay on time, if you cannot pay on time you need to call ahead and make payment arrangements.

If you have credit cards do not close the accounts closing the accounts will do more damage to your credit score.

Good luck!

Cleaning up my credit report?

First validate the debts you want to pay off with the credit reporting agencies (CRA%26#039;s).

If the credit bureau comes back as validating the debt send your next letter to the CRA%26#039;s asking for the company name and phone number that they validated the debt from. Many times they will not be able to provide that information because it is only a computerized search of public records instead of calling the courthouse where the actual judgments exists. thus they will have to delete from your credit report.

http://www.DisputeDemon.com

http://www.CreditscoreBooster.com

http://www.Creditips.com

Cleaning up my credit report?

http://www.transunion.com

Cleaning up my credit report?

Go to 'http://www.creditattorney.com%26#039; or call (800) 788-0447, which is the law office of Dana Facemyer of Provo UT.

For $40, 60 or 80 per month and $100 setup, they will do all the paperwork and organization to dispute your negative items. They are responsive by phone, email and snail mail (you can actually call with a question and talk to a paralegal, usually within 30 seconds.)

They have increased my FICO from 450 to 575 in less than 6 months.

This is an actual law firm in Utah that specializes in this type of work. They also give great advice on what YOU can do to improve your score.

I%26#039;ve tried others; THIS PLACE WORKS!!

Cleaning up my credit report?

I have a web site that can help you learn how to dispute old accounts with professional letters! There is over 375 pages of information that will help you learn how to repair your credit yourself!

http://www.thecreditrepairmanual.com

Cleaning up my credit report?

yes paying off your debt now will make your credit look good in the long run.. and keep it that way.

buys things in cash for now til u get back on your feet

Cleaning up my credit report?

Whew! Sounds like you%26#039;ve been through a lot. If you have the money to pay off the debts, do it. Make your civil judgments your first priority. No mortgage lender will lend you money with those open on your report.

Negotiate for less than you owe...see if the collectors will work with you. Every time you pay something off, make sure you get something in writing proving that the debt is settled. Send a copy of that to credit bureaus as you go along.

Just know that even if you pay the old debt, it still has to remain on your report for 7 years. There is no %26quot;remove in exchange for payment%26quot;.

Also be advised that just because something has run its course and is no longer on your report after 7 years, the creditor still has the legal right to try and collect their money. Those things don%26#039;t just disappear. Even though they are old, they still need to be addressed too.

Good luck!

Cleaning up my credit report?

Equifax has a credit score estimator. You can get your score and see what it will be in two years, six months, or one month. Pretty nifty tool and is fun to play around with.

Cleaning up my credit report?

You sound like a good candidate for Financial Peace. See the website. It%26#039;s not a gimmick or debt consolidation. It%26#039;s sound financial advice on how to change your attitude and behavior toward debt.

I recently pulled my credit report and noticed that my credit score?

2010-05-26T06:18:00.003-07:00

had changed from a 546 to 608 I paid off 2 credit cards and got a new credit card. Is that what helped it. Both?? Please let me know how to continue to bring up the score. I am quite happy. I would like to bring up to 640 how can I do that??

I recently pulled my credit report and noticed that my credit score?

Before I go any further, I%26#039;m going to break down what makes up your score:

a.Payment history-35%

b.Total debt owed vs. avaiable credit-30%

c. Length of time establishing credit-15%

d. Types of credit established-10%

e. Inquiries and New accounts-10%

Ok, by you paying off your 2 credit cards, that immediately affected factor (b). Were those 2 cards maxed out by chance? If so, that%26#039;s the reason for the dramatic increase in your score. Also, the new card will help, but a little later on down the line at least a year or so later until the account establishes payment history. My suggestion would be although you%26#039;ve paid those cards off, I would still use them lightly. And what I mean by that is that: treat those cards as well as your new cards like the credit limit is only $50, regardless of how much the limit is. Make small purchases (like $20 or so) that can be paid off on time every month. Wy you want to do this is that you want to still continue building credit with those cards by showing monthly activity, but at the same time not going into debt trying to do it. Like I mentioned earlier, 30% of your score depends on you keeping the balances no more than 25-30% of your combined avaiable credit. For example let%26#039;s say that the total available credit of the 2 credit cards you paid off and the new one you just got is $6000, you should have a balance of no more than $2000 between the 3 cards. The lower the balancce, the better so that you won%26#039;t have to pay additional interest.

My suggestion at this point would be to charge what either can be paid off or a small balance left over every month.

I recently pulled my credit report and noticed that my credit score?

Good for you. Continue to pay off those credit cards. That is what does it. I am happy for you.

I recently pulled my credit report and noticed that my credit score?

my suggestion for a happier financial future is to get rid of all your credit cards. If you need a cc, keep one and try not to use it unless it%26#039;s an emergency, then pay if off as soon as you get the bill.

The government wants to keep you a slave. The easiest way to do that is to KEEP YOU IN DEBT.

take note and be wise: I got rid of all my credit cards 10 years ago and am extremely happy that I did.

I recently pulled my credit report and noticed that my credit score?

Go to this website below and read it all! You%26#039;ll be glad you did because this site is all about credit repair and how to get your credit score up! Don%26#039;t destroy ALL your credit cards, just use them wisely and don%26#039;t max them out and you should be fine!

The only people I know who are happy to get rid of all their credit cards are those who had no contol over their spending habits and bought everything they wanted whether they could afford it or not!

I got my score up to 729 from 485 in a little over a year with the help I got from this site, but also get a credit monitoring service like 3 in 1 gold from Equifax and keep an eye on your credit1 You can check your own credit as often as you want without damaging your score!

You need to have credit monitoring because trying to make your score go up with out real time credit monitoring is like driving while blind, it hurts when you crash into something!

I recently pulled my credit report and noticed that my credit score?

Always keep your credit cards with a balance of less than half the limit this will help a lot. Also if you want to build credit charge small amounts and pay them off this will help in the long run. Also keep you inquires to a min. this will kill you score.

I recently pulled my credit report and noticed that my credit score?

Yes, the paid off accounts helped, but opening a new one didn%26#039;t really help (in just increases the open inquires).

Just put aside the paid ones (don%26#039;t close them) and use the new one as little as possible and pay balance off every month.

If you maintain the monthly payments on time and pay more than minimum, your score will rise in small increments but will still rise.

DON%26#039;T assume any more debt and pay down any other liabilities (i.e. auto, mortgage, boat, RV etc). Eventually your score will break the 640 mark and go higher after a few years.

Remember %26quot;TIME%26quot; will heal all broken credit scores.

HELOC vs. HELOAN on a credit report?

2010-05-26T06:18:00.002-07:00

Can someone tell me if there is a difference in the way a HELOC %26amp; a HELOAN impact your credit score???

On the surface they look the same but a HELOC is a revolving line of credit, so do the 3 bureau%26#039;s factor that into your revolving credit balance vs. limit ratio???

Ex. $50k HELOAN vs $50k credit line with a balance of $50k...

HELOC vs. HELOAN on a credit report?

The HELOC maybe potentially become a negative impact on your credit report depending on the credit limit (since HELOAN does not have a limit since it%26#039;s not a revolving account). Lenders will usually look at the credit limit and how how high your balance is, and the highest balance it%26#039;s ever had. If you have a large balance vs the credit limit, then that%26#039;s a red flag.

Is your bad credit report in USA transferrable when you move to Australia?

2010-05-26T06:18:00.001-07:00

I PLAN ON MOVING TO AUSTRALIA BUT I%26#039;VE ALWAYS WONDERED IF MY BAD CREDIT DUE TO PAST DISCREPANCIES WOULD HAVE ANY EFFECT ON BUILDING UP NEW CREDIT OVER THERE - PLS HELP ME WITH ANY INFO AVAILABLE

Is your bad credit report in USA transferrable when you move to Australia?

Funny, some friends were discussing this in Wellington, NZ. Both of them had debt and low credit scores when they left the US to live in Melbourne and the other in Wellington. They paid off everything and when they got there (both AUS and NZ) they were told their past credit history is not a factor, they start from scratch. That was 10 months ago, things change fast. Check with banks, lenders, and credit agencies. Don%26#039;t change your name, that will trigger more problems due to criminal activity and increased international security.

Is your bad credit report in USA transferrable when you move to Australia?

Don%26#039;t worry, just don%26#039;t let your bad credit follow you. Change your name.

Is your bad credit report in USA transferrable when you move to Australia?

More than likely your bad credit will not follow you however you will start with no credit rating and as an overseas national it will be difficult for you to start one

Looking at your credit report and going back and setting up a payment plan with the derogatory credi

2010-05-26T06:18:00.000-07:00

not boost your credit score becouse that bad debt or derogatory debt has already been factored into your credit score! So tell me the truth

Looking at your credit report and going back and setting up a payment plan with the derogatory creditors does?

Just get a job, and pay money to your bills!

Looking at your credit report and going back and setting up a payment plan with the derogatory creditors does?

true

negative credit of ANY kind stays on the report the required time frame- paid back or written off

Looking at your credit report and going back and setting up a payment plan with the derogatory creditors does?

Okay, well it depends what KIND Of derogatory do you mean? A paid collection doesn%26#039;t do much difference than a unpaid one, especially if its old, but if it is paid, you can often negotiate or just dispute it and get it deleted.

An open credit card that is far over the limit becuase you stopped paying DOES need to be fixed. It figures into your score in several ways-- dragging down your utilization ratio (or upping yoru balance VS limits), adding more late pays, etc.

Once things are cleared up you can dispute the bad stuff and often get it fixed...but if you just ignore it nothing can be done. I got 3 old collections deleted and three of my accounts that had late pays changed it to %26#039;pays as agreed%26#039; for every single month-- upping my score by 160 points. If i had still been in a bad situation with them, you can bet your butt they wouldnt have wanted/tried to help me out.

Looking at your credit report and going back and setting up a payment plan with the derogatory creditors does?

Some bad debts you should pay for better scores.

Paying other bad debts will worsen scores--often by a lot of points. Want advice on which is which? You need either an E-book or a consultation. See below

Credit history question: I have some debts on my credit report which total less than 10k?

2010-05-26T06:17:00.002-07:00

due to unpaid debts my credit score is very low now, if I pay off all my debts together, does my credit score imroves immidiately ? how much it imroves and how long it takes time ?

for some of debts its mentioning: %26quot;Estimated date that this item will be removed: 2012 %26quot; so even if I pay it off; will it be in effect till 2012; Elaborated and complete answer to these questions, would be greatly appreciated ? Also if you have any suggestion or offer about the best way for handling it

Credit history question: I have some debts on my credit report which total less than 10k?

If they are estimated to come off in 2012 this means that they are fairly new debts(around 2005). You didn%26#039;t say what was the negative information, but I would guess that they are charge-off%26#039;s because of non-payment(s). So you are still within the Statute of Limitations for most states. This will vary from 2-6 years from the date of the last delinquency. The SOL is the time limit creditors have to take legal action against you to make payments. Once you are outside of this date they can no longer file a suit against you to pay. So because of the age they probably still will be able to come after you if you do not pay.

If you have the ability to pay, you need to get with each creditor or collection agency and offer to pay in full, IF they remove the negative information. Be sure that you have this agrement in writting from them before you send any money. If you pay it and they remove it, your report will be reflected as if they never existed which will help you the most.

Now, if you wait and get past the SOL without them filing suit, the records will remain on your report until 2012 as it states. The time starts from the date of the last delinquency, and creditors are not allowed to re-age debts. It does not make the debt go away it just says they can no longer report it to the Credit Reporting Agencies after 2012.

Credit history question: I have some debts on my credit report which total less than 10k?

u have to paid if u want your debt to go low. But it%26#039;s going to take time. the best get a advice from the bank or credit officer the will help u and do not take this matter easy. Will effect your future.

Credit history question: I have some debts on my credit report which total less than 10k?

Paying now will affect your rating over time but it WILL NOT increase your score in a short time.

Credit ratings are calculated based on several variables including taking into account the passage of time (hence the term- credit %26#039;history%26#039;).

Quick example. Say you pay your bills (all of them at once). Then you check your rating in a few weeks. It will not make a huge difference. Say you check it 2 months from now. It looks good because for 2 months you have had clean credit. Now lets say you check it 6 months later. Now your credit will look even better- your rating will also be better- because for the past SEVERAL months you have had clean credit. Do you see?

To answer your second question. The debt is in effect only if you don%26#039;t pay it by 2012. Obviously, if you pay it before then, then it is no longer a debt.

If you have accounts that are charged off, try settling with the creditor. *NEVER OFFER TO PAY IN FULL* They will usually offer a 50% settlement (you can pay the balance at 50% provided you give them a lump sum). If you save a bit of money and do that, that is often the quickest way to rid yourself of old debt.

Credit history question: I have some debts on my credit report which total less than 10k?

1st of all, it says estimated, because if you don%26#039;t pay the debt off it will not come off. If you do not pay the debt off, at the end of 7 years (in your case 2012) the debt is reassigned by the original creditor and so starts another 7 years...it doesn%26#039;t actually come off until it is paid (and then it is 7 years after that, if you aren%26#039;t lucky enough to get it removed right away...which you can do if you follow the advice in my link).

2nd your credit score will improve quite a bit if you pay your debt off and it should happen within a month or two. Please remember when you are negotiating your settlement you can also negotiate your credit score...here is a great website that gives really good advice (that is 100% free) about repairing your credit.

http://www.creditinfocenter.com/rebuild/

Is your bad credit report in USA transferrable when you move to Canada - does it have the same adver

2010-05-26T06:17:00.001-07:00

I PLAN ON MOVING TO CANADA BUT I%26#039;VE ALWAYS WONDERED IF MY BAD CREDIT DUE TO PAST DISCREPANCIES WOULD HAVE ANY EFFECT ON BUILDING UP NEW CREDIT OVER THERE - PLS HELP ME WITH ANY INFO AVAILABLE

Is your bad credit report in USA transferrable when you move to Canada - does it have the same adverse effect?

Credit reports will follow you. They use the same companies in Canada as in the U.S.

Is your bad credit report in USA transferrable when you move to Canada - does it have the same adverse effect?

Equifax Canada and Equifax USA still do not talk to each other and you cannot take your credit rating with you.

Newcomers don%26#039;t even register on the system, so you%26#039;d be a worse risk than a someone with a bad credit rating. Report It

Is your bad credit report in USA transferrable when you move to Canada - does it have the same adverse effect?

I%26#039;m not entirely sure that is does, but it may be circumstancial. I am Canadian, I lived in the U.S. for a while and screwed up on some credit card stuff. When I moved back here I was worried about it, but as far as I can tell, none of it is in my credit report. Good luck!

Adding positive marks to a credit report?

2010-05-26T06:17:00.000-07:00

I have several loans reported to TransUnion but not Experian or Equifax. How can I get these reported to Experian or Equifax. I contacted the bank and was told TransUnion should report to the other two. Is this true? If not how can I personally get the info added. If needed, I%26#039;m willing to pay a small fee. Although, I%26#039;m guessing I can do it for free. Isn%26#039;t this considered unfair reporting practices?

Adding positive marks to a credit report?

Credit bureaus don%26#039;t typically report to other bureaus because of their competitive/business natures. I%26#039;d ask your lenders to report to the other credit bureaus as well.

Adding positive marks to a credit report?

Any company has the right to report or not report your account to your credit. And if they choose to, they can choose which Credit Bureau to report to. It is thier choice. It costs lenders money to credit report and smaller lenders may choose to credit report on one or none of the Credit Bureau%26#039;s. It is just the way it is.

Is there REALLY free credit report site on line? Thought they were free now but all sites ask you to

2010-05-26T06:16:00.003-07:00

Every site I go to wants you to join something and pay by credit card. I don%26#039;t HAVE a credit card...lol... I thought a law was passed or something where you could get your credit score on request.

Is there REALLY free credit report site on line? Thought they were free now but all sites ask you to join??

The site mentioned already (annual credit report) is totally free, no-strings-attached. That%26#039;s the one that was set up when the law was changed.

I would suggest you order a report from just one agency now. Then, in four months, get the second agency%26#039;s report and the last one in four more months (ex. June - Experian, Oct. - TransUnion, Feb. - Equifax). This way, you can monitor your credit all year long for free.

Is there REALLY free credit report site on line? Thought they were free now but all sites ask you to join??

You can get your credit report online for free. I think they asked me for a credit card, too, but that%26#039;s so that if you don%26#039;t cancel the %26quot;subscription%26quot; to the site, they can continue to charge you. Give them your credit card info, but just make sure you cancel your subscription after you%26#039;ve read your credit report. You can go to www.experian.com. That%26#039;s where I got mine, and I didn%26#039;t pay anything for it.

Is there REALLY free credit report site on line? Thought they were free now but all sites ask you to join??

You can get one free credit report per year plus one for free each time you are denied credit. Go to this site to get your free annual credit report: https://www.annualcreditreport.com/cra/i...

Is there REALLY free credit report site on line? Thought they were free now but all sites ask you to join??

You can get all three credit reports for free at http://www.annualcreditreport.com . No credit card required.

This web sight is sanctioned by the federal government to provide you, by law, your free annual reports.

How can this be illegal? Credit report alteration?

2010-05-26T06:16:00.002-07:00

I%26#039;m currently in my mid 20%26#039;s. I%26#039;ve been paying utilities, phone bills, and other bills on time each month. Never been late. I%26#039;ve always had great payment habits since I was 13 (got my first cell phone) with any bills.

To my shock, a year ago I was turned down for a car loan. Sorry to say, I didn%26#039;t have thousands of dollars in cash to just plunk down on a car. I needed a loan which I can pay off, since everyone else has loans. I figured my great payment history would afford me a decent interest rate and approval on the spot.

I was denied because I had no credit! The finance guy basically told me I was stuck with the %26quot;loan shark 20% interest guys who say %26quot;No credit? Bad credit? 2nd chance financing and in house financing%26quot; run down dealerships that sell high mileage vehicles that might break down soon.

I was appauled. I got stuck with the same rates or credit category as some deadbeat who never pays bills, skips out on bills, evades creditors, or pays late all the time!

How can this be illegal? Credit report alteration?

utilities and phone companied only report delinquincies. some insurance companies or gyms will report positive payments but not most. your best bet is to get a credit card or two and use them and pay them off each month.

How can this be illegal? Credit report alteration?

Unfortunately, the fact that you have been paying all your utility bills and phone bills on time does not establish %26quot;credit%26quot; in the eyes of lending companies. What is known as %26quot;credit worthiness%26quot; is having several credit cards with a good payment history. The utility companies do not report to the credit bureaus, until you start not paying them. Your age is also a factor. If you don%26#039;t have good employment, you%26#039;re sunk.

How can this be illegal? Credit report alteration?

Doctoring someone%26#039;s credit report is fraud - any way you slice it. Your relative is falsifying information. How is that NOT illegal??

Paying your utitlities and cell phone on time is great, but you didn%26#039;t establish any %26quot;traditional%26quot; trade lines of credit (i.e. the ones that show up on a credit report). Unfortunately, those are the only ones that count.

I applaud you for paying your other bills on time, but on the other hand, it is unfair that you took the easy way out and skirted around the rules to get what you want (instead of establishing traditional credit just like the rest of us).

I hope you don%26#039;t get caught!

Some credit advisers say you should have some premium credit cards on you're credit report. Wha

2010-05-26T06:16:00.001-07:00

Are they saying you should have American Express, Discover, Chase, Citi, Bank of America credit cards to build you%26#039;re credit score and profile? Whats considered the top tiered credit cards? Is WAMU considered a premium credit card?

Some credit advisers say you should have some premium credit cards on you%26#039;re credit report. Whats the best?

Many of the best rewards cards require good or excellent credit. Personally, I just go for the rewards card(s) that will pay me the most for my normal spending. Then I funnel all my normal spending through my cards and pay off the balance in full every month. That way I build credit, avoid interest, and earn maximal rewards.

To see which reward card or cards will pay you the most for your normal spending, you can use this rewards calculator:

http://www.creditcardtuneup.com/

Some credit advisers say you should have some premium credit cards on you%26#039;re credit report. Whats the best?

Major credit cards are American Express, Discover, Visa, and Mastercard. Many different banks offer Visa or Mastercard (the most widely accepted cards) with a wide range of terms.

I recommend you find one with a reward program that suits you. I prefer cashback. Charge normal purchases on the card and pay the balance at the end of the month.

Some credit advisers say you should have some premium credit cards on you%26#039;re credit report. Whats the best?

If an unmatched business credit card with fee free membership reward program, from one of the leading credit card providers in USA is your priority, the Platinum Business From American Express is the right credit card for you. Backed by unmatched service and professionalism of American Express the Platinum Business Credit Card brings you a vital mix of business and reward credit card. A glimpse of the features of Platinum Business Credit Card from American Express, will surely convince any small business owner about its financial prowess.

Basic features highlights:

The Platinum Business Credit Card comes fully loaded with the following basic features:

* No annual fee

* 0% Introductory APR for the first 12 months on purchases.

* A 7.99% rate on balance transfers made during the six-month introductory period.

* Purchase protection

* Extended warranty for purchases

* Auto rental insurance

* Up to $100000 in travel accident insurance

* Lost luggage insurance

* Emergency card replacement services

All these features bring a lot of savings in interest rates and, annual fees to the credit card owner.

Reward program highlights:

The fabulous reward programs that come with Platinum Business Credit Card form American Express are a class apart, in short this card provides:

* Fee-free Membership Reward Program.

* Opportunity to redeem points for various benefits and services

* Flexible reward program with no yearly limit and no date of expiry applied to points

* Up to 2.5% cash back on qualified purchases

* Up to 5% Cashback when you make the purchases within OPEN small business network

* Special discounts at stores including Staples, AT%26amp;T, FedEx, and 1-800-FLOWERS.COM.

Apply online for a best american express credit card: http://www.credit-card-gallery.com/Ameri...

Some credit advisers say you should have some premium credit cards on you%26#039;re credit report. Whats the best?

most majior credit cards have plattinum and gold status,

get one of those

If i get a credit report does it change my rating in any way?

2010-05-26T06:16:00.000-07:00

i%26#039;m going to rent an apartment and they%26#039;re going to do credit check...i haven%26#039;t seen mine in awhile and i%26#039;d like to get a look at it before hand.

If i get a credit report does it change my rating in any way?

Some of these answers are not correct.. A FICO is determined by a number of things - for instance if you have your credit pulled by numerous %26quot;similar%26quot; agencies (like a bunch of automobile shops, or a bunch of mortgage companies) it will hit you far less b/c they consider you as a %26quot;shopper%26quot;. 1-2 pulls will have no effect on your credit within 90 days.

Any more pulls other than 2 within a 90 day window will affect your credit slightly, but it is barely noticeable. I work as a credit counsellor and am very familiar with this.

Also take note that correcting your address and work history as 1 address and 1 job within the past 12 years can typically boost your scores approximately 10-22 points.

If i get a credit report does it change my rating in any way?

You are alloted a certain amount of credit pulls before it starts affecting the score. Usually its after 6 hits in an 12 month period. You can go to MyFICO.com and that may have an exact answer. Its ok to have your credit pulled, just do get carried away.

If i get a credit report does it change my rating in any way?

Each time someone get your score few points are deducted, it%26#039;s not a big deal, so it won%26#039;t change anything just don%26#039;t do that every month.

If i get a credit report does it change my rating in any way?

Pulling your own credit report does not affect your scores or count as an inquiry. Go to annualcreditreport.com- pull all 3 bureaus free once per year. It does cost if you want your score though.

If i get a credit report does it change my rating in any way?

Not much affect if you pull your credit once a year. It maybe good idea for you to get a credit report.

If i get a credit report does it change my rating in any way?

You can get a free copy of your credit report each year. Usually they do not contain the score unless you pay for it.

A question about credit cards and credit report?

2010-05-26T06:15:00.003-07:00

i have 4 credit cards and only one has a balance on it. are the other 3 that has no balance %26amp; are paid off hurting my credit? Im planning on using them again eventually.

A question about credit cards and credit report?

As long as you use them again on a regular basis, they aren%26#039;t... I%26#039;ve paid my balances off in-full (and on-time) every month and, trust me, unless you haven%26#039;t used the card at all that month, it still looks like there%26#039;s a balance. Here%26#039;s an excerpt from Jean Chatzky%26#039;s book %26quot;Pay It Down! From Debt to Wealth on $10 a Day%26quot;:

Don%26#039;t worry that paying of your balances every month is a bad thing -- it isn%26#039;t. By the time you receive your bill, write your check and mail it in, and it%26#039;s cashed, posted and reported to the credit bureaus, you%26#039;ve already gotten the bill for the next month... in other words, if you%26#039;re making frequent use of your card, you never show a zero balance to the bureaus.

Now, if you%26#039;re concerned because you%26#039;re trying to get a car or a mortgage (or another loan) and the lenders are nervous that you may run up a debt quickly, you can call your credit card companies and ask them to lower your credit limits if you so desire. It%26#039;s usually a good idea to have as low of a balance as possible before going to get these loans, though. I hope this helps!

A question about credit cards and credit report?

Perhaps yes, perhaps no. Not a definite answer, but that%26#039;s what I%26#039;ve discovered.

It shows up as the amount you could charge if you wanted to so that amount would be taken into consideration if you tried to get a loan. But, longevity with a credit card company can help your record as it establishes a habit of paying on time (as long as you do so).

A question about credit cards and credit report?

No. The cards that are paid off are not hurting your credit. The only way those cards are reported to the credit bureaus affecting your credit is when you have a outstanding balance on them.

A question about credit cards and credit report?

Yes and no.

On one hand, the amount of the credit limit you have for each card is considered %26quot;potential debt.%26quot; The way creditors see it, you COULD have debt up to this amount one day. This could lower your score.

On the other hand, having a zero balance is considered a good thing. Having a long history with your creditors is a positive as well.

I would keep them open, especially if you plan on using them again. It%26#039;s better to have credit cards with zero balances than have credit cards that you recently opened up. Opening up multiple sources of credit in a short amount of time can be bad for your score, so just keep what you have :)

A question about credit cards and credit report?

Yes and No.

*Each card has a credit limit...that is, you have credit available to you.

*How long have you had the cards...to show responsible use?

*If you apply for new credit, the creditor may look at the amount of credit already available to you.

*Perhaps you%26#039;ve already decided which one of four cards is best for you and you%26#039;re using it.

*Is that one card the one you%26#039;ve had the longest? ...with the highest limit? ...with the best rate? ...with points? ...with a low or acceptable annual fee? ...with proper reporting (not Cap One or Am Express?)

If so, you may consider closing the other three. However, if one of the other cards reflects the age of _your_ credit history, it%26#039;s important to keep active...but use it and keep a balance %26lt;30%.

Yes, the add%26#039;l 3 cards _could_ be hurting your scores; depending on when you%26#039;re planning to apply for new credit and the remaining strength of your credit history.

To learn more about credit and credit cards, visit us at http://www.fixmyuglycredit.com

A question about credit cards and credit report?

Probably not.

That will mean you have a low debt ratio which is a good thing for your credit report.

no where on my credit report did it show as a negative that I had several open accounts. If anything this is a positive and not a negative for your report.

A question about credit cards and credit report?

I have 4 cards myself, and collectively on the 4, I keep a balance under $100 which I pay off every month before the due date. About 35% of your score is payment history, and if you%26#039;ve had those cards for a while, and you decide to close them all of a sudden, then you just shortened your credit history. Just do like you%26#039;ve been doing, keep those balances low, or none at all. It%26#039;s better to have them with NO balances, than to have them ALL maxed out.

A question about credit cards and credit report?

It is always best to try to use the cards once every few months .... if you use the card and pay it off its just like cash

Under 18 credit report?

2010-05-26T06:15:00.002-07:00

Im 15 and im just curious what a credit looks like if i even have one? how would i go about checking on it?

Under 18 credit report?

You can%26#039;t have a report, as you are under the age of 18. Minors aren%26#039;t allow to have a credit card or engage in any kind of contract with anyone.

Such contracts are illegal, null, void and unenforceable.

Under 18 credit report?

no one under 18 has a credit history because they aren%26#039;t legally allowed to apply for a loan and cannot get a credit card unless on a parent or guardians signature and the parent or guardian is legally responsible. good luck, best wishes.

Under 18 credit report?

Oh my...here is a good example of people answering questions that do not have a clue of what they are talking about!

Yes, you can establish a credit rating when you are 15. My daughter has one! I%26#039;ve helped and advised many people to get one! DO YOUR RESEARCH!

To get your report (if they have one on record) just go to http://www.annualcreditreport.com and order it (for free).

Just because you have never had credit in your name doesn%26#039;t mean you don%26#039;t have a report. Ever hear of ID Theft? Someone may have used your ID to gain credit...it%26#039;s a smart idea to keep an eye on it just in case.

Under 18 credit report?

Yes, it%26#039;s possible to have credit with the following:

a) if your parent has put you on their credit card as a %26quot;co-signer%26quot; (which means your parents are taking responsibility for your credit card)

b) If you are emancipated from your parents.

c) If someone opens up account fraudulently in your name.

Generally they can go on your credit report, however if you are under 18 and have no accounts there probably isn%26#039;t anything on your file. Nothing was added to my credit report until I started using a credit card when I was 19.

Pablo

About my credit report?

2010-05-26T06:15:00.001-07:00

How can I find out who I owe money to and how to pay them back?

How soon after I pay off my debt til my credit score improves?

About my credit report?

How do you not know who you owe? At any rate, write to the Big Three credit agencies, Equifax, Experian and Transunion. (you can also get a report online) - Check over hte entries - look for the balances and the reporting date. Contact the owied company for an update on your account. Pay, or not - then call the company again after you have paid and ask them to report your information to the credit bureau. They will probably do it anyway. Check back in 2 months with the credit bureaus. Dispute any discrepancies with the Credit Bureau - they can then contact the companies and verify your account as paid, late etc...It is a slow process and will take at a minimum of 6 months.

About my credit report?

this is a good question i want to see the answers for this because i want to know the same thing

About my credit report?

It takes a few months for credit score to improve. It goes down WAAAAAAAy faster than up!

About my credit report?

www.experian.com

About my credit report?

freecrdit report.com its free once a year.

About my credit report?

marks on your credit score stay there for at least 5 years whether you pay them back or not...if you are in default or late it will continue to show...you can try contacting the company you owe to see if you pay them off if they will remove the derogatory info for you...good luck

About my credit report?

Before you do that, go to these two websites:

whychat.5u.com

and

budhibbs.com.

These sites should help you understand what you need to do before you start paying off your debts.

Good Luck!

About my credit report?

should improve right away unless you have late payments that falls off in about 5 years, Write a letter each time you make a payoff and that assures they get it. 60 % of the time your credit report wont show that you paid it off.

About my credit report?

Look at you credit reports.

There should be a phone number list with each debtor, (usually toll free) call them they will gladly tell you how to make payment.

About my credit report?

JUST go down to your local credit bureau anyone of the big three like equifax, trw etc. and get a free print out and a counselorto talk with. you can get one of those free scores but that is so lame. you need the printed details to study beore you decide what action you should take. ify our dont have an mba and understanding of what you are looking out, go to a professional in the yellow pages. there are free services to start with. don%26#039;t trust nobody until you hae worke with them awhile. it is a minefield. everything is a minefield these days.

About my credit report?

You should be able to get a free credit report every 12 months.

It will let you know what collection agencies you owe. But most likely, you need to find thier number yourself.

Even after you pay, it can stay on your report for up to 7 years.

Make sure you dispute things that you don%26#039;t think are yours. And they will come off after everything is verified.

Dispute the ones that are valid too. You never know when they might believe you and take those off as well.

About my credit report?

There is a couple of ways to start this process, one cost and one doesn%26#039;t. What you need is a current credit report. You can go to various credit report companies on the internet and request one which they will send to you for a fee (or free). I personally used EquiFax%26#039;s %26#039;Get a Free Credit Report%26#039; option (see website below). The trick on these websites is not to get %26#039;sucked into%26#039; their sells pitch about protecting or %26#039;fixing%26#039; your credit report. Just get the report, print it and review it at your leisure.

You can also get one for free if you%26#039;ve recently applied for credit was denied. In the denial letter there is instructions how you can go about requesting the credit report that was used to determine your credit worthiness. The credit reporting companies HAVE TO provide this report to you FREE of charge if you were denied credit based on a report they created. Follow their instructions and get your report.

Now... What to do from there. First establish all the debt that appears on your report. If there are any accounts you do not recognize you need to start tracing them down (ID theft possibility). The report will show you the balance as well as the number of times late (30, 60, 90 day). Organize this debt and start making payments. If you have been late on payments then depending upon the severity of the lateness will govern the lenght of time you must make consistant payments before the credit score improves. I would be willing to be you won%26#039;t see an improvement for at least 6 months at the minimum and if you had multiple 90day lates recently then it will probably take even longer.

Hope this helps and good luck!

About my credit report?

To be honest there is no time frame on that. Your credit report can change hour to hour, day to day, and so on. Just remember there are statue of limitations on items being reported on your credit report. Negative items will be on your credit report for 7 yrs, and positive items will stay on for 10 yrs.

About my credit report?

get a copy of your credit report and call them up to make payments and then your score will go up but it take time..

About my credit report?

Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at http://www.acreditlibrary.com/buildcredi...

A credit agency is on my credit report, but I have never received a bill.?

2010-05-26T06:15:00.000-07:00

This bill was from 2003 and I have never recieved a bill from the credit agency or the place of service. What should I do? I did not save my paid slip, and now the place of service is telling me I owe them money.

A credit agency is on my credit report, but I have never received a bill.?

If you have no proof of payment then you need to contact them and let them know that you never received a bill on this purchase. You need to clear up your credit report so that it does not show up later. Pay it , get your paid slip and take it to your credit agency to show them that you did pay. From now on keep better records.

A credit agency is on my credit report, but I have never received a bill.?

Hello, I am very new (as in just came across this site and loved it a/b an hr ago) But this is something that I have been looking into for my own credit. I would suggest that U first call the collection agency, go straight to them don%26#039;t bother going to the co. they will have to go to effort to help U and as it was a while ago, I doubt they will put much effort into it. However the col. agency can easily pull up the account, look into it %26amp; decide if they are willing to remove it from your C. R. If they will not , simply dispute it! U can easily do this Ur Self! Go to the sight that U recieved Ur Report and look for dispute items etc. click on it and follow the steps! Remember they have to prove 100% that it was yours or they have to remove it , its the law! I use Freecreditreport ( I pay 12.95 for constant alerts and credit reports) .Also if the # for agency isn%26#039;t listed do what I did call 411 with the address! Much cheaper than leaving it there!:) If they say that it is yours and that its their company that took on the action make them give U PROOF! If they can%26#039;t ! Dispute U paid it off anyways! I hope this helps , I am definetly not a professional !! :) Hope U have a better day tom.!

Is credit counseling THAT bad? Doesn't it get erased from your credit report once you complete

2010-05-26T06:14:00.003-07:00

I%26#039;m currently in credit counseling but I%26#039;ve read stuff from people that says it%26#039;s almost just as bad as bankruptcy? Is this true? I am aware of my credit score and doesn%26#039;t seem to be that bad. I am currently in the %26quot;Fair%26quot; credit category. Don%26#039;t people in bankruptcy usually have much worse credit scores?

Is credit counseling THAT bad? Doesn%26#039;t it get erased from your credit report once you complete the program?

If it involves debt consolidation it%26#039;s just as bad. What they do is put all of your debts into default, ON PURPOSE. Then they make deals with each creditor and you%26#039;re listed as a deadbeat. That%26#039;s what happens. It%26#039;s sick.

You can do what counselors and consolidators do. What are some general numbers/totals you%26#039;re working with?

I LOVE credit stuff and questions and answers. Here is one of my favorite sound bytes from a financial guru. Before you do ANYTHING else, listen to this. Scroll down and click %26quot;Listen to Dave%26quot;. JUST LISTEN.

http://www.daveramsey.com/tdrs/index.cfm...

This one audio clip of his CHANGED MY LIFE when I heard it.

Listen to this man for free, on the radio or online. This is like getting financial wisdom from Bill Gates except this guy has a national radio show.

Is credit counseling THAT bad? Doesn%26#039;t it get erased from your credit report once you complete the program?

It is a lot less bad than bankruptcy.

Is credit counseling THAT bad? Doesn%26#039;t it get erased from your credit report once you complete the program?

Bankruptcy is the worst. And no it doesn%26#039;t get removed from your credit report.

Is credit counseling THAT bad? Doesn%26#039;t it get erased from your credit report once you complete the program?

While in a debt management program, your credit score might be just as bad as bankruptcy. However, when you complete the program, the stigma goes away unlike bankruptcy.

Some debt management programs negotiate by not paying creditors for 3 or 4 months then threaten bankruptcy if they don%26#039;t agree to lower interest or settling for less than the balance. Those are the things that hurt your credit the worst.

Is credit counseling THAT bad? Doesn%26#039;t it get erased from your credit report once you complete the program?

As far as I%26#039;m concerned, they%26#039;re equally bad. Re-establishing credit after a bankruptcy however, is actually easier than with credit counseling. Unfortunately, either way, new credit card offers will be with %26quot;strings attached.%26quot; That is, very high interest rates and large yearly fees.

Is credit counseling THAT bad? Doesn%26#039;t it get erased from your credit report once you complete the program?

It does put a mark on your credit but nothing is worse than bankruptcy. The most important thing is making a committment to get your debts paid and if you need to do through credit counseling, go for it.

Is credit counseling THAT bad? Doesn%26#039;t it get erased from your credit report once you complete the program?

Nationwide credit repair company: $500 Good for one full year of service. See informative video, faq page and sign up today at http://www.credit-report-repair.us

When your credit report is checked by someone authorized, what does it look like? Is it the same as

2010-05-26T06:14:00.002-07:00

I am just curious if it looks like what the ones I get when I check it myself, or if there is a different format for formal credit checks.

When your credit report is checked by someone authorized, what does it look like? Is it the same as what I get

When they pull a hard inquiry, they will see what you see (except for the soft inquiries - only you see those)

If they pull a soft inquiry (promotional pull etc) they will get a streamlined version of your report showing only the criteria that they are looking for.

(that%26#039;s why people get preapproved type offers that say the final approval is based on your credit - they only see a small snapshot of your report with a prm pull, when a person applies for the card they will then pull a full report and base their final decision on that)

If they pull a full factual, which is pretty rare these days, they may see things that have dropped off due to age and have not been reporting for quite awhile. (usually it%26#039;s only mortgage lenders that pull full factuals and for extremely high dollar mortgages)

When your credit report is checked by someone authorized, what does it look like? Is it the same as what I get

when you check your credit report it does not effect ur score. hard inquiries are those made by companies that you auithorize and give permission to view your credit report. the name of the company will be listed under inquiries in ur credit report with the date it was viewed. too many of these can effect your credit so watch out.

When your credit report is checked by someone authorized, what does it look like? Is it the same as what I get

The format is indentical between the two type of inquiries. They will both show the date and company requesting the information.

However, they will show up in two different sections on your credit report. The one you request are called %26quot;soft%26quot; inquires and they are only visible to you. The ones where you authorize people is called a %26quot;hard%26quot; inquiry and can be seen by everyone. The way they have the reports layed out they will separate them and let you know which ones were of which type.

However, I think you are asking what information they see and not necesarily just about the inquiry. If you are asking this, then the answer is yes they see everything you see, EXCEPT for the Soft Inquiries those as mentioned are only seen by you.

When your credit report is checked by someone authorized, what does it look like? Is it the same as what I get

when you go into your credit report if you%26#039;re looking online, it will show inquiries made by and show the company then below that it show inquiries made by you. When you pull your credit report it does not show as a hit, as if you%26#039;re looking to acquire debt however when someone like Chase or Capitol One make an inquiry then the credit reporting agencies see you looking to acquire more debt so it takes a few points off of your credit score. Hard hits or soft hits, if it%26#039;s a hard hit it will take points off if its a soft hit then it won%26#039;t

When your credit report is checked by someone authorized, what does it look like? Is it the same as what I get

Yes and no. There are different types of credit bureaus, the ones that vehicle lenders look at are called %26quot;auto enhanced%26quot; The ones that mortgage lenders look at are called %26quot;factual%26quot; .

These reports show things that your normal report doe%26#039;s not show.

When I bought my most recent home 3-years age the mortgage company knew about a home I had financed over 15-years ago because it showed up on their factual report.

Will my credit report say a foreclosure?

2010-05-26T06:14:00.001-07:00

if I pay off my home by a sale before the Sherrif sale date for a public auction? I received a letter that gave me until Jan 2nd to pay off the mortgage or stop the foreclosure by a repayment plan or paying what I owe past due. If my house is sold before then and I pay it off, what will it reveal on my credit? A payoff? or a foreclosure?

Will my credit report say a foreclosure?

It will say that the loan was paid. Sometimes, the bank may report that the loan was paid but foreclosure proceedings had started. That just means that other creditors will be able to see that you went into foreclosure but got the loan out of the process and paid it off.

Will my credit report say a foreclosure?

Payoff.

Will my credit report say a foreclosure?

it should show a pay off but be sure you check it if you do pay it off before the sale date ...some companies are not ethical and will still show it as a foreclosure.

It is a good idea to check your credit report at least every 6 months (personally I check mine more frequently) there could be numerous errors in reporting. I had several accounts on my bureau that were not mine at all. I had no dealings with the companies and had to dispute the records (and that takes time and energy) once I got my straight I continue to monitor it about every 2 -3 months.

Best of Luck

Will my credit report say a foreclosure?

Your credit report will indicate that you were late and/or failed to pay on, presumably, multiple occasions. It will not indicate %26quot;payoff%26quot; or %26quot;foreclosure%26quot; or anything like that, but it will indicate that you failed to pay your mortgage, which is a devastating blow to your report, making you less likely to get good credit or loan terms in the future. If you can possibly sell your house before January 2, 2008, then do so. At the very least, the %26quot;bleeding%26quot; will stop there.

Will my credit report say a foreclosure?

Payoff with lots of delinquencies. But that%26#039;s better than foreclosure or bankruptcy. Credit tips on foreclosures can be found below.

On a credit report, what is happening when a paid in full past collection is listed as open under st

2010-05-26T06:14:00.000-07:00

Last year I paid a collection account in full. On my report it says it is still open but with no balance. Is this bad? Does it mean it is finished or not? Help! I can%26#039;t find anyone to answer this question!

On a credit report, what is happening when a paid in full past collection is listed as open under status?

What you need to do is carefully examine the item.

Is it listed in the negative/derogitory section of your report? If so, it%26#039;s still a bad item, even though it was paid. You would need to talk to the collection agency to see if they would get it deleted from your report. But you are going to find them very uncooperative in doing so.

Forget the nosense advice about contacting the credit agency, as they are not allowed to delete any entry from your history. Only the creditor can do it, or if they fail to respond to an investigation request.

Now it%26#039;s possible that the creditor has actually changed the status to %26quot;paid%26quot; and the open listing means it%26#039;s still available for use. Look at it again....does it show any late payments? If not, consider yourself extremely fortunate that you found a decent collection agent who has removed the negative information from your history. LEAVE IT ALONE because it will re-establish your credit history. As long as there are no negative information or late payments, it will improve your score.

On a credit report, what is happening when a paid in full past collection is listed as open under status?

It sounds like they didn%26#039;t close your account, although you paid it off.

I would leave it on my credit report since the balance is %26quot;0%26quot; it shows that you paid it.

If you want it removed, call the company %26amp; ask them to close the account %26amp; report it to the credit bureau.

On a credit report, what is happening when a paid in full past collection is listed as open under status?

If the balance is zero that is not a problem, but you can contact the credit agency and tell them that you want to get it removed or contact the original creditor.

Your credit was already affected due to the fact that was in collection, it will stay on your credit for 7 years.

On a credit report, what is happening when a paid in full past collection is listed as open under status?

Generally that shows that the account is still open, though this varies by company. Check with the company in question and, if you don%26#039;t want to continue with this account, request they close it and report it as closed at owner%26#039;s request. This should effectively get it off of your credit report. But a word of warning--never trust a company to do what you ask them to do. Always check your credit report--at least one of them--to be sure that they did as requested, and in the way you requested.

Also, bear in mind that credit reporting companies do not regard you as their customer, so they%26#039;ll tend to go with the banks or whatever, thus you must monitor them on issues such as this.

There are official courses you may pursue if this goes snafu, but they vary by state and by issue, so that would be something for the future, if you have any trouble with this transaction.

On a credit report, what is happening when a paid in full past collection is listed as open under status?

Truthfully, a paid collection account is just as negative as an unpaid collection. When creditors view your report, they still see that it went into collection status, which to them is insight as to the trouble that they may have to go through to get you to pay.

For creditors who are more understanding, it may look a little better to them, knowing that you did pay the bill, at least, even if they did have to resort to other methods to get their money.

As far as getting the status changed, I hope you kept your receipts. The first thing that you should do is dispute it with the credit bureau. If the collection agency does not respond to them, it will be removed from your report altogether. Then, if that fails, you will have to write to the collection agency. Make sure to keep all of your original receipts, but send copies to anyone who needs to see them (collection agency, credit bureau). Just keep all of your paperwork in order, and you should be able to get the status updated. The ultimate goal is to get it removed from your credit report. Maybe the collection agency will agree to doing this, since it is paid.

Before you start the dispute, pull all 3 reports. When you contact the collection agency, do it in writing, and be sure to get a statement in writing from them that they will update the status (or remove the listing--hopefully). You can count on most collection agencies to let you down, report inaccurate info, not update your credit report. So, it will be up to you to keep all paperwork and send letters certified (it is worth the extra money).

On a credit report, what is happening when a paid in full past collection is listed as open under status?

It is bad, but not as bad if there was a balance (I%26#039;ll explain). For now, it hurts your credit score the same as if there was a balance or not. Collections remain on your credit report 7 years after the %26quot;last activity%26quot;, in your case it will be automatically removed in 6 more years. If you had a balance, the credit company can update the status as unpaid and keep it on your record beyond the next 6 years. What can you do? Call the collection agency, apologize, be polite and beg to have it removed. They can send a letter to the credit agency to have it removed (letters to credit agency will probably just upset the collection agency and not work). If they don%26#039;t cooperate, try again in 6 months, you might talk to someone else that will cooperate. This was my experience, after a year and talking to 2 different people I had a paid collection removed and my score improved over 30 points. Good luck.

Does old credit card debt stay on your credit report forever? Will it "disappear" after 10

2010-05-26T06:13:00.002-07:00

My credit card debt is almost 8 years old. Will it really help me (my credit score) to pay the debt collectors at this point?

Does old credit card debt stay on your credit report forever? Will it %26quot;disappear%26quot; after 10 years?

If the original delinquency for this credit card debt is 8 years old, it should be off now. Delinquent accounts can remain on your report for 7 years only.

As for paying the debt, don%26#039;t do it! A lot of people make the mistake of killing their FICO score by paying off old debts. An old debt has less impact over the years, but if you pay it, that%26#039;s renewed activity on your credit report and it will hurt your score. A paid delinquent account is just as bad as an unpaid delinquent account. If you are still within SOL, most likely you%26#039;re out of it by now, negotiate with the collection agency to pay the debt off only if they agree to delete their negative entry from your report. You did say the debt is 8 years old, so it shouldn%26#039;t even be on your credit report. If it is, the collection agency re-aged your account and that%26#039;s illegal.

Visit the website creditboards.com. This is an accurate site about credit issues and read up on FICO scores, it will prove the point that paying off an old debt does not improve your credit score, it hurts it. There are several posts on that site from consumers who paid off a 5 or 6 year old debt, thinking it would improve their credit score, only to find out the sad reality their score tanked after doing so. Tread carefully, don%26#039;t make the mistake of hurting yourself further; you had to live with bad credit for 7 years, that%26#039;s punishment enough. It%26#039;s honorable to want to pay off an old debt, but foolish to do so when the end results brings your credit score down.

Does old credit card debt stay on your credit report forever? Will it %26quot;disappear%26quot; after 10 years?

Yes, pay. The debt will stay forever. It is only a bankruptcy that disappears after 10 years.

Does old credit card debt stay on your credit report forever? Will it %26quot;disappear%26quot; after 10 years?

7 to 10 years. Yes its like a prison term! Check out equifax.com maybe they can educate you?

Does old credit card debt stay on your credit report forever? Will it %26quot;disappear%26quot; after 10 years?

it should disappear between 7 and 10 years, you can contact the credit reporter and dispute them as inaccurate and they might get removed earlier than waiting for someone to remove it. since credit companies only care about the people who are giving the credit, not the consumer. I%26#039;ve been fighting with the credit companies for 4 years over junk that has been on my credit report and finally have been getting them to pull the wrong stuff off. don%26#039;t pay the creditor now, they should have written it off by now.

Does old credit card debt stay on your credit report forever? Will it %26quot;disappear%26quot; after 10 years?

check the statute of limitations in your state. There is a certain period of time that an entry can stay on your report. If the date of last activity was 7 years ago or more, you shouldnt have to pay and it should be removed from your report ASAP. Dispute!

Does old credit card debt stay on your credit report forever? Will it %26quot;disappear%26quot; after 10 years?

only after u paid your bills in full, then 7 years later they Get removed...

YOU HAVE TO PAY THEM FIRST!!!!!

Does old credit card debt stay on your credit report forever? Will it %26quot;disappear%26quot; after 10 years?

Boy you got a lot of answers and a lot of bad ones at that. Adverse (bad) credit ratings will remain on your credit file for seven years from the date of first occurrence (this is the date of the missed payment that caused you to be delinquent). Accounts included in bankruptcy will remain on your credit file for 10 years from the filing date.

Reccently I pulled my credit report. Some "junk" debt collector has posted on my report.?

2010-05-26T06:13:00.001-07:00

The original debt was settled and it is over 9 years old. How can I get this removed fro my otherwise clean credit???

Reccently I pulled my credit report. Some %26quot;junk%26quot; debt collector has posted on my report.?

Dispute it with the credit bureaus as being beyond the 7 year reporting period.

If the collector contacts you, just sent them a cease and desist letter (certified mail, return receipt). They have to leave you alone.

Reccently I pulled my credit report. Some %26quot;junk%26quot; debt collector has posted on my report.?

Contact the credit bureau and dispute the charge.

Info for all bureaus and how to do it at:

annualcreditreport.com

THE free credit report site.

Reccently I pulled my credit report. Some %26quot;junk%26quot; debt collector has posted on my report.?

I would definitely dispute the account, as %26quot;non FCRA compliant%26quot;, %26quot;outdated%26quot;, or %26quot;re-aged account%26quot; with the credit bureaus

Reccently I pulled my credit report. Some %26quot;junk%26quot; debt collector has posted on my report.?

In addition to contacting the credit bureau and disputing the charge, contact the junk debt collector and dispute the charge with them as well, remind them of the statue of limitation (gets them everytime).

Check out this website, tons of free valuable information. I live there!!!

Collections versus credit report?

2010-05-26T06:13:00.000-07:00

Do I go by whats in my 3 in 1 report or the collection notices that I get. Some of these collections have more than tripled in int. alone.

Collections versus credit report?

Ok here is the deal. Call the bill collector and tell them to provide you with a copy of the invoice. Pay the amount of the invoice and do not pay the interest. Tell them that you refuse to pay.

No big deal. It will be done. Believe me....they are not going to sue you on interest. The courts wont have it.

Thats all you have to do. There is no need to file a dispute here there and everywhere and lose your mind over it.

Do not dispute the validity of the actual debt, disputing the blance is another thing. The actual debt itself can cause problems as the collector has docs with your signiture and copies of checks you used to make previous payments. That will just piss them off and make them sue you and than they really will be awarded fees and interest.

You dont have to pay the fees and interest if it hasnt been awarded to them through a judgment. But if it has been than thats that. You would need to pay it.

Good Luck

Collections versus credit report?

Well, eventually the the data in those collection notices *will* be in your credit reports. U need to resolve those collections.

Collections versus credit report?

The notices will be the most accurate statement of the account balances with interest, penalty and any ancillary charges.

Collections versus credit report?

Eventually they will all show up in your credit report. But notices will come to you quicker and give you more time to pay them off...

Collections versus credit report?

I%26#039;m going thru it now and the info on the notices you get is going to be the most accurate for account balances. HOWEVER... I%26#039;ve been checking with my credit records/reports, and alot... ALOT of the bills that I have paid off from several years have not... NOT been removed from my credit report OR have not been shown as having been paid off. KEEP ALL RECORDS and have the creditors/collectors send you a zero balance letter showing that you%26#039;ve paid them off. You can use these to combat the credit dispute resolution process. I paid off about 45K over the past five years and thought I was done till the credit reports came back with 8 items still %26quot;outstanding%26quot;. Upon reviewing them, seven were paid off, and one of them couldn%26#039;t track me down. So today, I%26#039;m paying that one, and mailing off letters to the credit agencies with copies of the zero balance/no payment owing that I got from the other seven debtors and had thoughtfully filed away for a rainy day such as this. Hope that helps bubba.

Collections versus credit report?

Lemme tell you a secret......

Credit report information comes from the collection agencies.

Collection agencies are terrible liars! So why would you believe that the amount they claim is accurate?

I%26#039;m working with someone right now on their credit problems. Collection agency #1 sent a notice for $6200. We demanded validation. Then it was sent to Collection agency #2....and the balance magically dropped to $5300. Sent out another demand to validate...no word after two months. Gosh, you don%26#039;t supposed........?

The VERY FIRST THING you do when a collection agent sends you a letter is dispute it and demand validation!! That is your right under the Fair Debt Collections Act.

Collections versus credit report?

I agree with what Studly said, never believe the amounts the collectors %26quot;claim%26quot; you owe.

I just wanted to add - you should really request a hard copy of your reports from each individual CRA. The 3in1%26#039;s are not always accurate.

Also, since the amount seems to have tripled - these are fairly old debts?

You may want to click on my profile and click on the link to find the collecting SOL in your state.

If you are past the collecting SOL the collector can still try to collect but legally cannot sue.

You might also click on some of the other links I have listed in my profile - to the FDCPA, FCRA, etc. Learn your rights. And you might click on the last link I have listed to learn how to use your rights.

Can a credit report be ran on a child who is 14 yr in California?

2010-05-26T06:12:00.003-07:00

My son has two social security numbers. I need to find out if I can run a report on both of them to make sure there is no fraud. Can this be done in the state of California legally?

Can a credit report be ran on a child who is 14 yr in California?

we live in AZ and we signed up for Lifelock. They run mine, my husband, and our 3 year old son%26#039;s credit every month. It always comes back with no credit report to run for our son.

How does your son have 2 ssn?

Can a credit report be ran on a child who is 14 yr in California?

I have heard of people using children%26#039;s SSN to commit fraud before. I would get the 2 numbers situation straightened out with the SSA and then keep an eye on the good number for sure. You should be keeping an eye on yours anyway.

Can a credit report be ran on a child who is 14 yr in California?

He needs only one SSN. Yes, you can run your child%26#039;s credit report to make sure no one has been using the SSN.

Are there anywhere you can get your credit report totally for free?

2010-05-26T06:12:00.002-07:00

Good afternoon all web surfers!

I have lived in the US for almost 1 and a half years.

I have had problems to get a job and not earned very much.

My spouse and I stand on the lease for our apartment and it has been paid every month(7 months now).

I have also paid several other bills.

I have got a credit card with a credit limit of $300.

Do I have enough credit history now?

Is my credit still to low to rent an apartment for an example?

Are there anywhere you can check your credit score for fee without signing up for something or paying a fee?

Is it always a bad thing if several companies check your credit?

Please help a legal emigrant!

%26quot;GablesMontecito%26quot;

Are there anywhere you can get your credit report totally for free?

Do NOT, repeat do NOT, go to www.freecreditreport.com.

It is a come-on, and its only purpose is to sell you overpriced credit monitoring services.

The only official free site run collaboratively by the 3 agencies is www.annualcreditreport.com, the one where you can get reports from all 3 agencies for absolutely nothing, no commitment. The only thing you may have to pay for is to see your FICO score - and that no more than $7.95.

%26quot;AnnualCreditReport.com is the only service authorized by Equifax, Experian and TransUnion for this purpose. The three nationwide consumer credit reporting companies have always encouraged consumers to regularly review their credit reports.

Please note that, as a security precaution,

Consumers should never provide their personal information to any other company or person for requesting free annual credit reports under the FACT Act.

AnnualCreditReport.com will not approach consumers via email, telemarketing or direct mail solicitations.%26quot;

Are there anywhere you can get your credit report totally for free?

If you do find a free one, let me know.

Are there anywhere you can get your credit report totally for free?

www.freecreditreport.com

Entitled to one freebie a year

Are there anywhere you can get your credit report totally for free?

Go to the link below. Its a free credit report site, and its free.

Are there anywhere you can get your credit report totally for free?

Go to www.freecreidtreport.com and they will give it to you for free. I would not let people keep pulling your credit cause it will drop and you dont have much credit at all you may be able to get an apartment but nothing else unless your credit is over 600 but easy ways to build your credit up is to use your credit card for gas but when you charge $20 put $20 in cash a way so when the bill comes you can pay it off quickly. if your credit is over 600 go to the bank and take out a $500 loan and pay it off with in that time what i did was i keep the 500 in my savings and never spent it your creidt will get up there i am 19years old and my credit score is 755 so it worked for me

Are there anywhere you can get your credit report totally for free?

there is always a catch with free credit reports. the only way to get a detailed report is to pay for it.

Are there anywhere you can get your credit report totally for free?

www.annualcreditreport.com You get one free credit report from each bureau once a year. You do not have to sign up for anything or give them a credit card number unless you want to see your credit score too.

Are there anywhere you can get your credit report totally for free?

www.annualcreditreport.com is the ONLY 100% FREE SITE. It was set up becuase the federal government required it.

Also, just so you know, apartments, utilities, cell phones, etc, do not show on your credit report. The only item on there that you listed would be your credit card. You probably have a very limited credit report.

And yes, you dont want a bunch of companies checking your creidt report. Be selective about where you apply instead of applying all over.

On a credit report it notes that having a debt over 7 years can be removed. Do they remove them?

2010-05-26T06:12:00.001-07:00

Does the credit bureaus remove them? Or do I have to? And is it gone forever?

On a credit report it notes that having a debt over 7 years can be removed. Do they remove them?

Yes, typically the credit bureaus will clear any debts 7 years after the close date. If you have an item that was closed March 2000, you would want to inquire with the bureaus if the item is still reported in April. To save yourself from constantly having to order a new report, if you have an item that is supposed to drop after March 2000, just prepare a letter to the bureaus and send it in.

That way, you%26#039;ll only be spending 1.17 rather than $15 for another report.

As to the mentioned item above about debts staying over 7 years, if the account was closed and sold to another party, the oiginal closed account will drop off. If an agency or someone bought the debt, their company name will sit on the report until 7 years after the debt is paid off.

On a credit report it notes that having a debt over 7 years can be removed. Do they remove them?

they have this new thing now, where these people buy the debt and then harass you to pay. and they will hold your accnt if there is money in it.

(it happened to me)

On a credit report it notes that having a debt over 7 years can be removed. Do they remove them?

Normally the credit bureau(s) will remove them, but you can write to them and request it. You can also go to this site and contest, correct, etc., and issues with your credit report: http://www.annualcreditreport.com

It%26#039;s free once a year.

And yes, that portion of the report goes away forever.

On a credit report it notes that having a debt over 7 years can be removed. Do they remove them?

if they don%26#039;t automatically come off after 7 years, you need to contact the credit bureau. Some debts I believe stay on longer than 7 years. Hope this helps

On a credit report it notes that having a debt over 7 years can be removed. Do they remove them?

Depending on the type of debt it is, it can be removed by SOL (statue of limitations for your state).

Go read up at www.creditboards.com forums and they have sample letters on how to get rid of that type of thing.

Pulled my credit report after bankrpcy. Can orgnl creditor and coltn agncy both rpt?

2010-05-26T06:12:00.000-07:00

Can the original creditor and the collection agencies for the creditor both reprt to the credit agencies after a bankruptcy? or can the collection agencies for the original creditor be removed and the original left to show the bankruptcy?

Pulled my credit report after bankrpcy. Can orgnl creditor and coltn agncy both rpt?

Yep. Everyone you ever defaulted on can report.

Pulled my credit report after bankrpcy. Can orgnl creditor and coltn agncy both rpt?

They can both report. However, what happened to me was that the collection agency reported me twice for the same debt (AFTER it was paid off).

I got an attorney, and sued their pathetic assets! Not only did I win a cash settlement (for libel), but they also had to write an very humiliating letter to all of the agencies, appologizing:) requesting that it be removed.

Pulled my credit report after bankrpcy. Can orgnl creditor and coltn agncy both rpt?

If the bankruptcy court determined that you no longer owe the money, then your credit report should also show you don%26#039;t owe the debts. These creditors will still show your payment history and the amount that was eliminated by bankruptcy.

The only thing that will pull actual creditor from your report is if they become too old (8 to 10 years since last activity).

Got my credit report the other day, and have some charge offs and other very old debt. Should I pay

2010-05-26T06:11:00.003-07:00

someone told me that it doesn%26#039;t make a difference on my score if I pay them or not. Will they roll off after 7 yrs or will they stay permenately on my report? Thanks for the advise.

Got my credit report the other day, and have some charge offs and other very old debt. Should I pay them?

I liked everybody%26#039;s answers on here, especially Celeste%26#039;s. Here%26#039;s a common misconception that everyone has. Usually negative items stop reporting 7 years, however according to the Fair Credit Reporting Act, the maximum it can stay is 7闄?years. I know the extra 6 months may not be much to some people, but it%26#039;s big enough of a difference to me for me to point that out. Also, like Celeste mentioned there is a seperate statute of limitations for collecting debt. These can vary by state (I posted a link below for the SOL by state). Knowing this information alone can provide you with much needed leverage when it comes to negotiating debt. You could very well negotiate a %26quot;payment for deletion%26quot; in exchange for a lower payoff amount. The third link I posted can help you settle your debts for a payment for deletion.

Hopefully, this information will be useful to you,

Good Luck!

Got my credit report the other day, and have some charge offs and other very old debt. Should I pay them?

Depending on when they are subject to fall off, I would not make payment. When cleaning my credit, I disputed lots of old creditor charges. The creditor has 30 days to respond. If they don%26#039;t, the creditor falls off your report. That, in turn, raises your credit score. If the bills are not scheduled to fall off in a year or less, I%26#039;d make a dispute to see if the creditor responds. If they don%26#039;t it%26#039;ll fall off anyway. If they respond, make arrangements for a settlement.

Got my credit report the other day, and have some charge offs and other very old debt. Should I pay them?

yes pay them off, their your debt and the will not go away after 7years.. u have to pay off then it takes up to 7 years to be removed

Got my credit report the other day, and have some charge offs and other very old debt. Should I pay them?

NO! They will be gone after 7 years. I speak from experience, and unless you have a moral issue with them, do NOT pay them. You risk starting the 7-year period over again. Your credit report will usually say when they are scheduled to be removed. Then, there are various ways to establish positive credit again.

Got my credit report the other day, and have some charge offs and other very old debt. Should I pay them?

If they%26#039;re close to the 7yr. mark, don%26#039;t pay them. Paying them off now will only hurt your credit score as it shows current activity. The older the unpaid debts are, the less impact they have on your credit.

The majority of consumer debts will fall off their credit report. after 7 yrs. The 7 yrs. begins when the account becomes delinquent and never brought current and sent to collections or charged off.

Paying off the debt or having it transfered to another collection agency cannot restart the 7 yr. reporting period.

Each state also has statutes of limitations on how long a creditor/collection agency can collect the debt.

If you must pay them, ask for a %26quot;Pay for Delete%26quot; and get the agreement to delete the tradeline in writing.

Got my credit report the other day, and have some charge offs and other very old debt. Should I pay them?

It will increase your score by a few points each charge off.

Yes, they do clear off after 7 years. You can get the agencies to clear they off sooner if you send letters advising that the 7 year period is comming up soon.

I got mine taken off 8 months sooner!

Whats is illegal on credit report repair?

2010-05-26T06:11:00.002-07:00

I seing people advertizing making your credit get a bust of 120 points in 30 day for 29 a month! Is that legal. They do not explain what they do, or how they do and the legal consequences.

Whats is illegal on credit report repair?

It%26#039;s perfectly legal, although you could do it yourself for only the cost of postage and your time.

Simply put, these repair places improve your score by making your creditors/collection agencies jump through all kinds of hoops to prove you owe this debt. This includes disputes and debt validation mainly.

This flow chart shows roughly what they do.

http://www.creditinfocenter.com/rebuild/...

More often than not, the collection agencies cannot meet the requirements needed, or they simply don%26#039;t want to bother with it so the listing is deleted.

As far as it being illegal, you will have some people here tell you that disputing a listing you know is valid can be fraud...that is 100% FALSE. You have the RIGHT to dispute ANY listing on your credit report.

Whats is illegal on credit report repair?

don%26#039;t know if it%26#039;s illegal or not, but i strongly recommend that you remember the golden rule %26quot;IF IT SOUNDS TOO GOOD TO BE TRUE... IT USUALLY IS%26quot; it sounds like a scam to me.

you must either be worth a lot of $$$, or so far in debt that you can%26#039;t see straight if you are willing to pay $30 a month to increase your credit score. by the way, if they can boost your credit score by 120 points in 1 month, what do they claim that they can do in 6 months or 1 year? will they boost your credit score by 1,440 points in 1 year? (120x12 months=1,440) what is the %26quot;perfect%26quot; credit score?

have-a-loving-day!

Whats is illegal on credit report repair?

It looks like a non easy cracking nut,looking arount here,you may find something useful for you.http://creditreport.online-helper.info/b...

I have medical bills on my credit report in collection. Can I get them to settle and delete from cre

2010-05-26T06:11:00.001-07:00

I%26#039;m trying to higher my credit score

I have medical bills on my credit report in collection. Can I get them to settle and delete from credit report

Atfer I paid mine off I wort a letter asking for them to be removed and they did so try that..

I have medical bills on my credit report in collection. Can I get them to settle and delete from credit report

Things that are on your credit report aren%26#039;t easily removed. What you need to do before you settle this debt, talk to the company have them send something in writing that states that upon paying off the debt they will send you a letter and put on your credit report that you paid the debt off as agreed. That looks better on your report.

Where can you find a FREE credit report...?

2010-05-26T06:11:00.000-07:00

I need to find one cause my credit is in the toilet due to 1...my ex husband filed for divorce. i know that goes against you but i can%26#039;t get a credit card or even like in store credit...If i can%26#039;t get in store credit it must be bad right?? Just someone help me please

Where can you find a FREE credit report...?

I use FreeCreditReport.com its free only from one credit company and there over all 3 of them. The best thing for you to do is sign in and check it out its free for 30 days, now if you see something that is killing your credit buy the credit report from all 3 company%26#039;s you can do that on that site. It will cost you like $20 for a month but that%26#039;s all you need to fix it. Anything that you have not done or if you see something is wrong with your credit, there is an options where you can report it. There is agents working 24/7 and it dosent cost you a thing. They will fix your credit for free. Trust me try it out, you will love it plus its free!!!

I hope it helped,

Good Luck

Where can you find a FREE credit report...?

www.annualcreditreport.com

you get a free report but have to pay for the score....... good luck w/ all that...

Where can you find a FREE credit report...?

www.freecreditreport.com

lol they have commercials with this very annoying song...

sorry if it doesn%26#039;t work, i just remembered it from the commercials. good luck!

Where can you find a FREE credit report...?

hi mam im icici manager.we have started dis scheme

u please refer any to are branch and avail dis facility

Where can you find a FREE credit report...?

the 1st person to answer the question was correct ,www.annualcreditreport.com the other site www.freecreaditreport.com wants you to enroll in their triple advantage plan so they want you to pay x amont of $ a month before they give you anything..the other one is totaly free but only once a yr...

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

2009-10-31T21:30:00.000-07:00

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!?

2009-10-31T21:29:00.002-07:00

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?

2009-10-31T21:29:00.001-07:00

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?

2009-10-31T21:29:00.000-07:00

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.

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)?

2009-10-31T21:27:00.001-07:00

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?

2009-10-31T21:27:00.000-07:00

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?

2009-10-31T21:26:00.003-07:00

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!

My bank is offering a free credit report, but I have heard that checking your credit can actually be

2009-10-31T21:26:00.002-07:00

I%26#039;m not worried about hidden fees or any of that sht, I%26#039;m very careful. Just wondering if it will have an adverse effect on my credit.

My bank is offering a free credit report, but I have heard that checking your credit can actually be bad 4 it.

Too many inquiries into your credit drive your credit score down. The reason? The credit models do not take into account the %26quot;shopping for a good rate%26quot;, it sees it as being unable to obtain financing. Checking your credit report is a good thing to do once a year (some say twice) to be sure you have not been an identity fraud victim. Just keep track of when and who you authorized to pull your credit report.

My bank is offering a free credit report, but I have heard that checking your credit can actually be bad 4 it.

Just dont have it checked too often. One free report is not a bad thing. It is really helpful to know your score too.

My bank is offering a free credit report, but I have heard that checking your credit can actually be bad 4 it.

Turbo Baby is half right. If someone else pulls your credit report it hurts your score, however if you pull it for review it does not count against your score at all.

My bank is offering a free credit report, but I have heard that checking your credit can actually be bad 4 it.

Pulling your own credit report makes no difference to your score. But also, in exact opposite to what Turbobaby has said, the scores actually DO recognize rate shopping, and will disregard repeated inquiries in a short time.

That really has no bearing here, though, all that matters is that checking your own report doesn%26#039;t hurt you.

My bank is offering a free credit report, but I have heard that checking your credit can actually be bad 4 it.

I would like to recommend you possess as much information as you can before taking action,here is a good place for that purpose.http://creditreport.expertsupport.info/f...

I went to annual credit report.com and I got my credit score from Experian.?

2009-10-31T21:26:00.001-07:00

I paid the 5.95 to get my credit score and now I don%26#039;t know how to log back into the website. Was the 5.95 a one time thing where you pay to review it once and can%26#039;t get back in????

I went to annual credit report.com and I got my credit score from Experian.?

There should be a customer service number on the website that you can call and find out how to log back into your account. I am not sure if you paid for a one time report or if this is a monthly charge that allows you to track your credit score each month.

I went to annual credit report.com and I got my credit score from Experian.?

http://www.mintcreditrepair.com that site is the only legit site I know that gives you a real report for free, its at the top, the link is in green, I used this site, and it helped out, take a few minutes. Not bad.

I went to annual credit report.com and I got my credit score from Experian.?

In California (maybe other places too) you get one free credit report per year. You will pay extra for your score.

I went to annual credit report.com and I got my credit score from Experian.?

www.annualcreditreport.com is the ONLY site that is sanctioned by the US government to provide you with a credit report once a year for free.

I went to annual credit report.com and I got my credit score from Experian.?

Yes, the $5.95 for your credit score was a one-time thing. You can get one free credit report per year though from each of the three major credit agencies through annualcreditreport.com - but not your score.

I went to annual credit report.com and I got my credit score from Experian.?

Your Credit Report and score are viewable for 90 days from the date of the report. However, you have to log back into the Experian site to do this.

You will need the Report Number to be able to do this. Since you ordered it if you gave them an e-mail address they should have sent you a receipt to your e-mail with the report number. If you do not have the Report Number you will not be able to get back into review it.

Credit entry 7 years old, but is now showing on credit report?

2009-10-31T21:26:00.000-07:00

I have a negative entry which is 7 years old (2000). The creditor decided after 7 years to report this account. If I were not to pay this account, would I now have to wait another 7 years for this to come off, or does the last date of activity actually determine the length?

Credit entry 7 years old, but is now showing on credit report?

If you still owe them money, then its still an active account and the last activity date is today. You can dispute it, or give them a call and offer to settle the account for less than the full amount. Just keep in mind, you will have an easier time getting an old PAID account off of your credit report than you will a currently due account. Once it is paid, the lender won%26#039;t care what happens with the account and is less likely to fight to keep it on your account.

Credit entry 7 years old, but is now showing on credit report?

If they didn%26#039;t give you any notice within the last month by either mail or phone call you can dispute it .

Credit entry 7 years old, but is now showing on credit report?

It is from the date of last activity or the date it was written off. We can help you dispute this and any other issues you have on your credit. Check out our website at www.jcwilliamscreditservice.com

Credit entry 7 years old, but is now showing on credit report?

thats a common problem; they do this often until you request the info be corrected/removed.

it explains it here, as well as has a sample letter for you to use (in either txt form or pdf).

CREDIT REPORT INFO / REPAIRS

http://www.bankrate.com/brm/news/forms/c...

http://www.bankrate.com/brm/news/bankrup...

http://www.bankrate.com/brm/news/forms/c...

MORE FINANCIAL INFO

http://bankrate.com/

Will a debt counseling affect my credit report?

2009-10-31T21:25:00.002-07:00

I am going through a debt couseling service to consolidate my high interest credit cards, will this hurt my credit score?? Through this agency I can only have 1 open credit account -- which is fine, I am SICK of credit debt, but what about buying a vehicle?? WOuld I be able to get financing??

Will a debt counseling affect my credit report?

I run a real estate title agency. The Mortgage Broker%26#039;s I%26#039;ve spoken to have one answer to that. Dont%26#039; do it. Even tho you eliminate debt and multiple credit accounts which should improve your credit, the mere fact that you have a debt service on your credit means most people wont%26#039; touch you with a ten foot pole. You are better off filing bankruptcy. Even with a bankruptcy on credit you can still get credit. Just at a high interest rate. With Debt Consolidation. You may not be able to get credit at all.

I think the reasoning is that these debt services essentially eliminate any profit these creditor%26#039;s can make off of you. So there is no reason for them to give you credit again.

And when I asked about this the dont%26#039;t do it answer was a strong one. Not just offhand advice.

Will a debt counseling affect my credit report?

If it hurts it slightly in the beginning that%26#039;s okay. The long term benefits far outweigh the other options like bancrupcy. It will very difficult to get financing once you start the program, but once the creditors see you paying consistently for several months to a year or more, they will be much more eager to finance you again. Again, with the other alternatives which are %26quot;do nothing%26quot; or %26quot;bancrupcy%26quot;, the result can be much , much worse.

Will a debt counseling affect my credit report?

in the long run it will definitely help your credit. for one, it will show that you have few and low installment accounts. but i think it will hurt your score a little in the short run since you will be closing accounts due to consolidation. this means the accounts that you have the longest credit history with will be closing. good luck!

Will a debt counseling affect my credit report?

Affect your credit rate . Yes .Negativly.

visit daveramsey.com to learn what the bankers credit(slave)cards pray you never ever learn and apply.

watch the drive free get rich video.

we drive 20k$ cars without car note/loans. next year we will be in 25k$ cars without loans.

Will a debt counseling affect my credit report?

They will trash your credit. It%26#039;s like filing bankruptcy. Why? It says that YOU couldn%26#039;t pay your bills and manage your money. Therefore, somebody else had to do it.

Will a debt counseling affect my credit report?

Yes. As a loan officer, I can tell you that most lenders look at debt consolidation as being as bad as bankruptcy.

Personal info errors on credit report?

2009-10-31T21:25:00.001-07:00

The following is not correct on my Experian report:

1. A motel where I stayed once is listed as a former address of mine and as a single family home. I do not think that it was ever my legal address. I know that it was not a single family home.

2. In the list of names and name identification numbers, they have listed the same name with no middle initial or middle name, with a middle initial, with a full middle name, and again with no middle initial or middle name. Each of these has a separate name identification number. There are four unique numbers, but only three unique names (and only one unique first and last name).

A. Is any of this important enough to bother disputing?

B. Do creditors care about the number of names and/or the number of addresses on my report?

Personal info errors on credit report?

As a Banker, yes you should clear this up to reflect your present address and legal names. It only gives a creditor a reason to deny a loan if there are disputed facts on the report.

How can i check my credit report when i don't have enough info to verify my identity?

2009-10-31T21:25:00.000-07:00

this is something i have been slowly pulling my hair out for a couple of months over now. apparenlty there is the possiblity there is a loan out for a morgage 2003 in my name. i just turned 23. i can verify for the last three residents i lived in, my drivers license, banking info, birth certificate and social security. all of this was done over the phone and via fax machine which scares the hell out of me personally. i have checked with all three crediters to no avail. i can not get my report!!! ilive in georgia and i can damn well get one free report a year as legislation grants me from these dipwads

so if anyone has some advice, i am all ears, becuz at this point i dont know what to do. i cant file a police report or anything till i have this information, and then well... i can%26#039;t do anything.... so HeLp!!!

How can i check my credit report when i don%26#039;t have enough info to verify my identity?

Here is an article that deals with a couple of different methods of getting the free credit report.

http://www.bankrate.com/brm/news/credit-...

If these don%26#039;t work for you then there is something to your story that you are not sharing. I can get mine within a couple of minutes with the same types of information that you have.

How can i check my credit report when i don%26#039;t have enough info to verify my identity?

If you think that there%26#039;s something fishy going on, then you need to first protect the identity you got left... go enroll in LifeLock or LoudSiren... google them, they are great services that help you protect your identity. They will send you free credit reports so that%26#039;s a way to get them... the services range anywhere from $8-$10/month, so it%26#039;s affordable for everyone. You can also call the credit Bureaus directly and see if they can help you.

How can i check my credit report when i don%26#039;t have enough info to verify my identity?

fill out the form in a PDF file below and send it in. They will mail you a copy of your report and it will include ways to dispute incorrect information.

How can i check my credit report when i don%26#039;t have enough info to verify my identity?

This makes no sense. If you know your social securty number and your name and your address you should be able to get a free credit report from each of the three major credit reporting agencies. You can mail in one form or go to one web site and apply.

The FTC has a lot of information on their web site about dealing with identity theft, which may be what is going on here.

How can i check my credit report when i don%26#039;t have enough info to verify my identity?

I saw your question I have decided to help people out due to the fact that I myself has been scammed twice by fake lenders in my search for a loan but at last I got a reliable lender that gave me the loan($60,000 USD) that I was in dire need of even with a bad credit. Hence I decided that I will refer anybody I come across to this God sent lender he is reliable and his terms are fair. You can get to him via his email address charles_lenders@yahoo.com Please tell him that Deborah Kirk he gave out a loan to me . I have search for a legit lender until I got him and I decided to help my fellow humans with this because there are a lot of fake lenders out there and I do not want any body to fall a prey please get to him and tell him that I referred you to him.

Thanks.

Deborah Kirk

Where can I get a free credit report/score no credit card needed.?

2009-10-31T21:24:00.003-07:00

I dont have a credit card but I have good credit from buying my car and other things. I also have bad credit from hospital bills and stuff.

Where can I get a free credit report/score no credit card needed.?

If you%26#039;re in the US, you%26#039;re entitled to a free credit report from each of the 3 main agencies each year. You can obtain them through https://www.annualcreditreport.com/cra/i... .

Where can I get a free credit report/score no credit card needed.?

AnnualCreditReport.com is the site set up to get your annual free credit reports from each of the three credit bureaus. The reports are free but you will have to pay for the scores.

There are other sites like FreeCreditReport.com which will require you to sign up for their monitoring services, that will give you a report and your score. But you will need a credit card and have to cancel within the 30-day trial period. They do not make it easy to cancel either.

Your credti score probably isn%26#039;t very good based on the %26quot;hospital bills and other stuff%26quot;. Get a copy of your report and work on settling the bad stuff first.

Where can I get a free credit report/score no credit card needed.?

FreeCreditReport.com. They also offer monitoring services (for a fee). Also if you have applied for credit in the past 90 days you can get a free copy of your credit report.

Where can I get a free credit report/score no credit card needed.?

Try www.annualcreditreport.com This is free and you can do it once a year.

Does anyone else find the "free credit report.com" commercial offensive?

2009-10-31T21:24:00.002-07:00

I think people should be more than a credit score. The guy in the commercial said he %26quot;married his dream girl%26quot; but after she had bad credit he could be a %26quot;happy bachelor with a dog and a yard%26quot;..as a %26quot;credit challenged consumer%26quot; I find the commercial very offensive. Does anyone else? I want to start and alternative credit system and call it %26quot;crudco%26quot; it would be if people pay their rent and house payments. That is what is important. what do you think?

Does anyone else find the %26quot;free credit report.com%26quot; commercial offensive?

I find it very offensive to even imply that the type of person you are is governed by your credit score.

And besides that they are not really free.

I simply can not believe the things that some people say. Your credit is just that, yours. If you get married and your spouse has bad credit it has no effect on your credit what so ever unless you take out joint loans and even then the only effect depends on how those loans are paid.

Does anyone else find the %26quot;free credit report.com%26quot; commercial offensive?

Yeah this sounds offensive

Does anyone else find the %26quot;free credit report.com%26quot; commercial offensive?

They have pretty dumb commercials - especially the one with the couple who claims to be unworried because they check their credit every day.

Also, the %26quot;free%26quot; in their name is very misleading.

Does anyone else find the %26quot;free credit report.com%26quot; commercial offensive?

No, I don%26#039;t find it offensive because I%26#039;ve been here! Once you get married, your spouses credit rating becomes yours and if your significant other has misused their credit, your going to pay for it!

You can get a free credit report from here, but cancel the service if you don%26#039;t want monitoring.

I found that Annual Credit Report, a FREE site is not that accurate! Anyone who relies on this service to watch their credit as their only source of monitoring is more likely to become a victim of fraud because their not monitoring their credit enough.

I find it offensive somewhat that your credit score can tell others what type of person you are, but those who are careless about their credit will also be careless about other aspects of their lives and your credit score DOES show how YOU honor your obligations!!!!

Stephanie O, YOU do not know what you are talking about!! In a community proprtry state, you will also mmarry your spouses credit rating!! I didn%26#039;t think this was possible, but it happened to me! It wont happen right away, but it will happen!

If you get divorced, you better make sure you report the divoce decree to ALL 3 credit reporting agencies because it you don%26#039;t, your spouse can apply for credit and both of your names will be used to establish it and once this starts, it%26#039;s a hard mess to clean up! I needed a lawyer to put a stop to it!

If this wasn%26#039;t true, you wouldn%26#039;t be able to add someone to your accounts as an authorised signer and boost there score!! This tactic is used to improve creditr scores, but will not be available for much longer.

When you marry, the last name of your spouses changes and becomes part of YOUR identity! Also, a marriage becomes a legal joint tenancy with rights of survivorship and if you think the creditors will NOT come after you trying to collect those debtrs, think again! Sorry Spifiman, but I learned a lot more about this than I wanted to!

All that I had to do was to makes Ms.A ,Mrs. Duane B!

Does anyone else find the %26quot;free credit report.com%26quot; commercial offensive?

Duane doe%26#039;s not know what he%26#039;s talking about. Your credit is your and yours alone.

Spifiman is correct on this as usual.

Does anyone else find the %26quot;free credit report.com%26quot; commercial offensive?

A big ten negative! A person is a person based on their whole! Pamela Anderson with a bad credit score is no good! Everyone wants to find the perfect girl/guy and financial responsibility is a part of that. If finances and personal depth are not an issue, your %26quot;perfect girl%26quot; is a super model. But this commercial is speaking to the market... The market being middle class Americans. We are talking about a class issue, not a sexist issue. This of course is marketing ! Don%26#039;t be such a cry baby, I take it you are a liberal too? Sniff Sniff sniff........ If it was a female singing the song you would would be fine with it...... Because in your eyes we are only if equal if equality raises your STATUS. (which is a cray baby)

Paying for an item on my credit report 6 months from being taken off report?

2009-10-31T21:24:00.001-07:00

I know if I paid it now, it would show as recent activity and stay on another 7 years right?

What about if I let it fall off, then pay it. Can they come back and put it back on my report again?

Paying for an item on my credit report 6 months from being taken off report?

If you pay the account off now it will show as a recent charge off. However, this should not re-age the account. Witch means it will still fall off your report in 6 months.

If you pay the account off after 6 months it should not reappear on your credit file.

My advice to you is not to pay them anything. But, if you do I can definitely respect that also.

Paying for an item on my credit report 6 months from being taken off report?

I think you you should not pay and let it fall off your credit report after 6 months. There is always a possibility that this collection may be resold to another collection agency. Just wait and see.

When running your credit report, do car dealers count JOINT expenses as HALF your debt?

2009-10-31T21:24:00.000-07:00

My credit union isn%26#039;t being very helpful. I want to buy a car. But they are counting my mortgage (which I split with my wife) as ALL MY DEBT. Do car dealers (such as Toyota, Honda, etc) make allowances for this, knowing that the debt is not entirely mine... and therefore count only HALF of it as my debt? Thank you...

When running your credit report, do car dealers count JOINT expenses as HALF your debt?

They will NOT divide your debt. They need to figure your income based on the possibility the other person on the loan(s) defaults, which will make you liable for the bill. Your credit report will state your monthly obligations, which includes all joint debts. I hope this helps.

I need a Credit Expert answer! Can someone pulling your credit report tell if you have ever had a ba

2009-10-31T21:23:00.003-07:00

I had one 12 years ago and it dosen%26#039;t showup on the report. Is there any secret code or something that will tell them from the report even if it isn%26#039;t listed?

I need a Credit Expert answer! Can someone pulling your credit report tell if you have ever had a bankruptsy.

It is usually on your credit for seven years...however....sometimes it is not...I use to work in that field...read on...

I need a Credit Expert answer! Can someone pulling your credit report tell if you have ever had a bankruptsy.

It can appear in the public records section of your report for seven years, they can also see it if there were trade-lines (accounts) paid via the bankruptcy - it will say it as a note below the account. If it was 12 years ago that may be the only way it shows up. Pull you own credit (all three bureau%26#039;s!) and carefully review the report. If you don%26#039;t see anything then most likely the creditors wont either.

I need a Credit Expert answer! Can someone pulling your credit report tell if you have ever had a bankruptsy.

Bankruptcies stay on your credit for 10 years in public records. There should be no trace of the bankruptcy left after 12 years.

I need a Credit Expert answer! Can someone pulling your credit report tell if you have ever had a bankruptsy.

Most bankruptcies will dissappear of your credit report in a matter of 7 years. After that there is no was of telling on a recently pulled credit report by a lender. However, the preceedings of which you filed the original bankruptcy will remain on a legal docket with the state in which you filed and is considered to be public information. Hope that helps.

How to get credit report comments removed?

2009-10-31T21:23:00.002-07:00

Ok, I was having trouble with MC for YEARS! I finally paid them off in a settlement both sides agreed on about a month ago. I was told by a VISA rep of all people to ask them to remove their personal and derogatory comments made about me with the credit bureau.

I%26#039;ve called them to this effect and keep being told someone will return my call. I also have not received any paper work confirming that the account is settled.

What should I do?

How to get credit report comments removed?

you can challenge it at the credit bureau and the company that put the comments in has thirty days to respond if they do not they will remove the comments.

How to get credit report comments removed?

Have you seen the comments? What did they say?

Without knowing this information there is no way to answer your question.

How to get credit report comments removed?

MasterCard is not known for putting %26#039;personal and derogatory comments%26#039; in a person%26#039;s credit file, nor are the credit reporting agencies known for ACCEPTING such comments of a personal nature.

Before you go off half-******, you should get a copy of your credit file and observe just what is in the file.

Is a 571 credit score good on your credit report?

2009-10-31T21:23:00.001-07:00

i am fixing my credit i started with a 200 credit score

Is a 571 credit score good on your credit report?

Well, youre doing better then you were, but not quite %26quot;good%26quot; yet. A score of 630 is about average and considered good. If youre working on it and its getting better, congratulations and keep up the good work!

Is a 571 credit score good on your credit report?

Average is 678.

Is a 571 credit score good on your credit report?

Not at all. A good score would be something over 700.

Is a 571 credit score good on your credit report?

No, you would be classified as a %26quot;poor%26quot; risk. To raise your credit, make sure you are not carrying balances higher than 50% on your credit cards (if you have any), pay all of your bills on time, don%26#039;t deal with finance companies, and make sure your creditors report to all 3 bureaus. Also, don%26#039;t make too many credit inquiries, they subtract 12-17 pts at a time and stay on your report for up to a year.

Is a 571 credit score good on your credit report?

I have a rating of 584 and it is listed as weak on experian

Is a 571 credit score good on your credit report?

There is some good info here.

Is a 571 credit score good on your credit report?

I%26#039;m a blunt person. That is a horrible score. 200? I have never ever seen anyone with a 200 credit score. Lowest I have seen was a 455. Collections/foreclosures ETC.

Is a 571 credit score good on your credit report?

You%26#039;re still low, but if your credit had been 200, you%26#039;ve made progress. (How%26#039;d it get as low as 200??!!)

The average is about 678, so you%26#039;ve got a ways to go. You should order copies of your credit report from a site such as freecreditreport.com or myfico.com and make sure that the information is correct. Dispute anything that is wrong, and get the bad information off. That%26#039;ll raise your score.

Here%26#039;s a good site for info: http://creditboards.com

What is included in a credit report?

2009-10-31T21:23:00.000-07:00

Does it include bill payment records? or non-payment of a magazine subscription? Anyone know good strategies to convince a mortgage broker that we qualify, even with our less-than-perfect credit? We%26#039;ve %26#039;behaved%26#039; for a few years, but have a few dents in our past...? anything at all that you know would help :o) Thank you very much!

What is included in a credit report?

It includes all current and past revolving (credit cards) and installment debt (car loan, student loan).It includes lates, when accounts were opened, bankruptcies, deragatory accounts (Charged off).I have never seen a delinquency for a magazine subscription on there. I don%26#039;t think they would go on there. You can%26#039;t really convince a mortgage broker of anything because they are not the judges or make the decision with your credit report. They may be able to %26quot;clean it up%26quot; a little with such things as rapid reporting or can advise you how to improve it.

Your best bet would be to request it yourself from one of the 3 major credit bureaus. You will not get %26quot;dinged%26quot; for requesting it yourself and look it over and then if it%26#039;s not accurate then or has alot of issues then contact the credit bureaus and they should help you on how to improve it. Don%26#039;t go to a credit repair place.

What is included in a credit report?

No, it doesn%26#039;t include things like utility bills or magazine subscriptions, or rental history. If you had unpaid bills that went to collections it might.

Mostly a credit report contains facts about various credit accounts you%26#039;ve had, like payment history, credit limits, and your current balances. It may also have records of debts that have gone to collections.

These days, lenders want to know they%26#039;ll be paid back. A good record for a few years is important. Stuff further back can be overlooked and generally doesn%26#039;t hit you too badly, unless there are debts still showing unpaid.

They%26#039;ll want to see you%26#039;ve got some skin in the game, like a downpayment, and that you%26#039;ve got documented income necessary to make payments.

The days of liar loans and no money down are over.

What is included in a credit report?

Your credit report is broken into 4 distinct parts. Part 1 is identifying information (name, ssn, addresses past and present, aliases, etc.). Part 2 is your trade lines. Trade lines are any loans or services that report to the credit agencies. Student loans, mortgages, gym memberships, video rental stores all qualify for this. It%26#039;s up to the lender whether they report to the credit agencies or not, and even then maybe to just one, all or a combination. Your best bet is to get copies of your credit report from all three major credit bureaus. This can be done from one location. I hope that answers question one. Part 3 and 4 present information about foreclosures, defaulted loans and also indicate who has recently looked at your credit report (lenders mostly).

If you are looking for a loan, then everything hinges on your FICO score. Most likely you will qualify for a loan but maybe at a higher interest rate than if you had perfect credit. Your credit would have to be pretty bad not to qualify at all.

I would hit up MyFico for copies of your credit reports and all your scores (by the way your credit report and FICO score can and most likely will be different at each credit bureau). MyFico can provide you with a 3 bureau credit report and FICO Scores from all three bureaus as well. It%26#039;s always good to know what your up against.

I hope this helps.

For tips on raising your scores and reviews on where to get your credit report, visit - http://www.clevercreditrepair.com

Good Luck

What is included in a credit report?

Some credit cards don%26#039;t even report to the bureaus. You have to look at your report to see, and no, that won%26#039;t hurt your score.

Hope these links help!

What is included in a credit report?

YOUR CREDIT REPORT WILL HAVE EVERY CREDIT CARD LISTED AND IF YOU PAYED THE BILL ON TIME OR IF YOU WERE LATE, AND ANY OTHER THING YOU MADE PAYMENTS ON, IF YOU HAVE A BANKRUPSY OR REPOSESSION, AND WHAT THE MORGAGE BROKERS ARE LOOKING FOR IS A HIGH CREDIT SCORE OF 850 WHICH IS THE MAX TO ABOUT 600 BUT THATS PUSHING IT, A FRIEND OF MINE IS A MORGAGE BROKER AND THE FIRST TIME I BOUGHT A HOUSE I HAD A REPO AND A BANKRUPSY BUT THEY WERE ALMOST OF MY REPORT BUT I STILL NEEDED MORE CREDIT AND BETTER CREDIT AND HE HELPED WITH THAT TO BY TELLING ME HOW TO CORRECT SOME OF MY CREDIT PROBLEMS, LIKE CONTACTING THE ONES THAT SHOWED UP BAD AND TALKING THEM INTO WRITING YOU A LETTER ON YOUR BEHALF, OR HIRE A COMPANY THAT GOES TO THE CREDIT SCORING COMPANIES AND DESPUTES YOUR BAD CREDIT AND MOST OF THE TIME IT GETS DROPPED BECAUSE THEY DONT HAVE THE TIME TO PROVE THAT, ID LOOK INTO THAT.

What is included in a credit report?

YOu are not the only one,I have ever met the similiar problem before.I have good experience here though.http://creditreport.onlineidea.info/offi...

I purchased a credit report from equifax for $ 7.95 and have not rec'd it since 4-6-06 my fact

2009-10-31T21:22:00.003-07:00

As you can see from question I paid for a report and have not rec%26#039;d it and any effort to contact customer service has not been successful please help I am one of the Veterans that records were lost and now found but still i paid for something and have not rec%26#039;d it, please help me.

I purchased a credit report from equifax for $ 7.95 and have not rec%26#039;d it since 4-6-06 my fact # is 26646963

If this was done by computer, your credit report should have popped up as soon as your were done or even emailed to you. It won%26#039;t get mailed to you that way.

I purchased a credit report from equifax for $ 7.95 and have not rec%26#039;d it since 4-6-06 my fact # is 26646963

You don%26#039;t say what customer service told you?

Call them back and ask to speak to a supervisor. Have your # and your record from your bank that shows you paid for it.

Also, did you do this by computer? You usually get the results right away?

Negative account on credit report no response from collector?

2009-10-31T21:22:00.002-07:00

I owe a learning center about $600, I wrote to them requesting a bill twice, but they never send me anything. And I dont just want to just send $600. Knowing them they might leave it on my report as unpaid. So can someone give me some advice on how to get this taken care of?

Negative account on credit report no response from collector?

If you know you owe them the money and have an account number and their address, send them the payment using a traceable method like a check sent via registered mail (they have to sign for it) with return receipt. Use their company name on the pay to line. Mark the check on the memo line with your account number and the statement %26quot;Paid in Full%26quot;.

Once they have cashed the check you%26#039;ll have proof that they have accepted payment in full and you%26#039;ll legally be in the right situation. They may still fail to take the information off your credit report, but you will have the proof that it has been paid and you can file a dispute with the three credit bureaus AND send them copies of your letter, canceled check, and return receipt and they will HAVE to make it satisfied on your credit report even if the company doesn%26#039;t take the time or effort to file the correction.

If you don%26#039;t have the proof of payment as I suggested and you file a dispute with the credit bureaus it%26#039;ll just get rejected. You need to prove you%26#039;ve either satisfied the debt OR that the debt wasn%26#039;t ever yours.

Good Luck!

Negative account on credit report no response from collector?

I hope you kept copies of the letters.

Write to all three credit bureaus, explaining that they would not prove the debt, and they will notify the collection agency/learning center that they have 30 days to provide proof, or else it will be removed from your credit bureau.

Are they reporting it to the bureaus?

The three bureaus are:

Equifax

Trans Union

Experian

Write to all three disputing the collection.

Negative account on credit report no response from collector?

If they are not responding to you, then they would likely not respond to a verification request from the three main credit bureaus. I recommend disputing the item with all 3 main credit bureaus. You stand a good chance at getting these removed.

Negative account on credit report no response from collector?

If you attended there then you owe the $600. If you were already making payments then continue making payments, cause if you don%26#039;t then interest will add on and make the bill higher. Perhaps they are trying to contact you (did you move), or maybe they transposed your address or something and mail continues to be returned to them. When was the last time you paid on that? Why not give that learning center a call. And, write that credit reporting agency and asked who it was that made the negative remark on your credit report (ask for name, address and phone).

Negative account on credit report no response from collector?

Dispute the debt online at all 3 credit breaus. They have to respone within 30 days. If they do not then the credit breau will remove the debt.

How do you report someone to the credit reporting agencies?

2009-10-31T21:22:00.001-07:00

What steps do I need to take for my business to report people that aren%26#039;t paying their accounts?

How do you report someone to the credit reporting agencies?

You may not be able to begin reporting right away as some credit reporting bureaus require that you are a member for a sufficiant amount of time as they can not have just anyone paying a fee and begin reporting things.

However, you can use credit management services to do your reporting for you. One of them is the NACM. If you are interested email me and I will provide you with contact information. NACM provides many options for a small business. Credit reporting, credit reports, background checks, collection services, credit management services. There are free webinars, etc. Whatever you need.

Good Luck

How do you report someone to the credit reporting agencies?

contact the companies and ask them. i%26#039;m sure you can find Experian, Trans Union, and Equifax online; those are the three major ones. good luck.

How do you report someone to the credit reporting agencies?

Call the credit bureaus at the following;

1. Equinox 1-800-685-1111

2. Expiring 1-888-397-3742

3. Trans union 1-800-916-8800

They will be able to help you. There is a small fee to report to the credit bureaus. I hope you are going to report your good customers also.

How do you report someone to the credit reporting agencies?

You first need to inform the debtor that their debt is not paid. You have to give them 30 days to reply back via writing or call. Documentation is key. Secondly, if they disbute it you must send them proof. Thirdly, I think its 3 attempts you report to collection agency as well as credit bureau.

Medical bill and credit report?

2009-10-31T21:22:00.000-07:00

My medical bill for appendix surgery was about $44,000. will it effect my credit reprot if I dont pay it?? I have no insurance, no madical..also, is there a way to pay monthly or I have to pay $44,000 at once?

thanks

Medical bill and credit report?

All these other guys seemed to say what I was gonna say. I%26#039;m gonna make this short. I%26#039;ve worked in a real estate company and we did credit checks for lease houses, and there was %26quot;unpaid medical%26quot; often on these reports.

Now, I%26#039;ve also worked in the medical field since I was a teenager. (Volunteering) And now as an adult (22...woo hoo), I can get paid for the work I do. In fact, I worked in the billing department for a while. If you call up to the hospital and speak with someone in the billing department about your financial situation, you can work something out... even if it%26#039;s $20 a month or $100 quarterly or $3 weekly. And you won%26#039;t get turned over to collections and it won%26#039;t go on your credit report.

If you are paying on an impossible amount, like you are, eventually the hospital will probably turn this bill over, and let you slide without paying your full impossible amount.

Medical bill and credit report?

Contact the hospital and ask them about assistance programs you can sign up for. You may be able to get some help paying for the bill. And yes, hospitals will set you up on payment plans, you just need to call them to work it out. Every business that you own money too has to go through a process before they can report you to a credit monitoring agency. They will send you many notices before threatening to do so. You will know when it%26#039;s going to happen. Just call the hospital and tell them you need to talk to someone about getting help with the bill.

Medical bill and credit report?

Yes, it will show up on your credit report if you do not pay it. The best thing to do is to cal the hospital and talk to the billing department to see if you can make a payment arrangement or have some type of program that can assist you in paying the bill or lowering it since you do not have any insurance. They usually agree to a set monthly payment and if they don%26#039;t what you can do is let it go to collections and then make arrangements with the collection agency to pay it off monthly.

This will still have a negative impact on your credit but it will show that you are paying and once it is paid it will disappear from your credit report after 7years.

Having a collection for a medical bill vs. a credit card or loan is not as damaging to your credit report. Most companies understand that medical expenses occur and most people do not have insurance and or the means to pay. It%26#039;s not like racking up a bill with your credit card and just not paying it this is different and while it looks bad like I said it is better than another type of debt.

Also, make sure you can check to see that if you do not pay it what will happen. In some states the hospitals will garnish your wages and in other cases if it is left unpaid it will fall off your credit report in ten years. But I should point out most hospitals are quick to send you to collections and to garnish your wages. Good Luck!

Medical bill and credit report?

When you don閳ユ獩 have money to get the care you need:

http://www.nlm.nih.gov/medlineplus/finan...

http://ask.hrsa.gov/pc/

http://www.omhrc.gov/templates/browse.as...

http://www.hrsa.gov/help/default.htm

http://www.thefrugallife.com/medicalalte...

http://www.google.com/search?q=Free+Low+...

Free and low cost prescription medication:

http://www.nami.org/Template.cfm?section...

http://www.themedicineprogram.com/links....

This is about FREE hospitalization, if you need it and they WILL help you!

http://www.hrsa.gov/hillburton/default.h...

Hill Burton Hotline

1-800-638-0742

(1-800-492-0359 in Maryland)

In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility閳ユ獨 area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care.

http://www.hrsa.gov/help/default.htm

How to apply for Medicaid or medicare

http://www.cms.hhs.gov/MedicaidEligibili...

http://www.aarp.org/money/lowincomehelp/...

For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213.

http://www.ssa.gov/

For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov

How To Pay for Mental Health Services

http://mentalhealth.samhsa.gov/publicati...

http://depression.about.com/cs/findadoc/...

Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/finan...

DENTAL HELP:

Free or low cost dental care United States

http://www.nidcr.nih.gov/NR/rdonlyres/53...

http://www.raconline.org/info_guides/den...

FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC.

http://dental-assistance.app-sl-1.aidpag...

Need eyeglasses or eye care?

http://www.nei.nih.gov/health/financiala...

http://www.uniteforsight.org/freeclinics...

How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor%26#039;s offices.

Here閳ユ獨 a list for every state:

http://cancer.about.com/od/screeningandd...

Where can I go to get free or reduced-cost prenatal care?

You can call this number if you need free birth control help, too!

Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy.

To find out about the program in your state:

璺疌all 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code

璺疐or information in Spanish, call 1-800-504-7081

璺疌all or contact your local Health Department.

Why has my credit report taken a big leap into hell yet I haven't done anything to change anyth

2009-10-31T21:21:00.003-07:00

I go from %26quot;superman%26quot; credit to %26quot;dogface%26quot; city yet all my bills are paid and everything! I don%26#039;t really expect anyone to explain my finances but, has this happened to you at any time?

Why has my credit report taken a big leap into hell yet I haven%26#039;t done anything to change anything?

Your credit REPORT would only change if you actually changed things-- inquiries, high balances on your cards, missed payments, etc. Double check that there are no fraudulent activities.

However, your score does sometimes jump around. I%26#039;ve seen mine drop 50 points over night and I compared the two reports, and tehy were identical. However, its not like i went from stellar to dogface...it was a fair report to begin with and stayed in that range.

Pull all 3 reports and check it for accuracy. Keep in mind tha utiization makes up 35% of yoru score, so just using up more of your creidt limit dings the score pretty bad. History is 10%, so closing your older accounts also really hurts-- as well as opening up new ones that would drag down your average acount length.

Why has my credit report taken a big leap into hell yet I haven%26#039;t done anything to change anything?

Maybe someone stole your identity. Get a copy of your credit report and be sure that there aren%26#039;t any charges on it that you didn%26#039;t make.

Why has my credit report taken a big leap into hell yet I haven%26#039;t done anything to change anything?

oh you need to check it out thoroughly. you might have someone using your identity. You can get a copy of your credit report for free once a year. Or apply for something you dont think they will give you and get a free one when they turn you down. But do it soon the sooner you catch an idetity theft the better.

Missing info on credit report?

2009-10-31T21:21:00.002-07:00

I realized that Equifax has 4 accounts open for me (correct) and TransUnion and Experian only two. Is there something I can do, can I report it to them or only lenders are allowed?

Missing info on credit report?

Each company has it%26#039;s own criteria for reporting. They can report to any and all of the credit bureaus, or none at all. Best thing to do is when opening new credit ask if they report to all three (3) credit bureaus, so that your information is accurate.

How many individual credit accounts should you have on your credit report?

2009-10-31T21:21:00.001-07:00

I am an authorized user on 3 major credit cards. I have one individual department store account and one individual student loan account. Should I remove myself as authorized user from 2 of the most recent accounts and get a major credit card individual account? Would that help/hurt my credit?

How many individual credit accounts should you have on your credit report?

2 of the posters gave their opinion, which is their opinion, but it didn%26#039;t answer your question. I%26#039;m going to give you the answer to your question, but first I%26#039;m going to tell you what makes up your score.

1. Payment history-35%

2. Total debt owed to available credit ratio-30%

3. Length of time establishing credit (average age of accounts)-15%

4. Types of credit established-10%

5. Inquiries and new accounts-10%

Ok, this is what you need to understand. Beginning back 2 months ago in September, one of the major credit bureaus no longer recognizes authorized users as a part of your credit score. Sometime next year, the other 2 agencies will follow suit, so it will reflect that you do not have any revolving accounts (credit cards) It will be up to you whether you want to remove yourself or not depending on how much you use the card, however in order to build credit for yourself, you would have to open one major account. The student loan is considered an installment loan, which satisfies that portion of it. A good example of a balanced mixture of credit would be 3 revolving (credit cards) and 1-2 installment loans.

A suggestion that I have about using credit cards is that they should be used lightly, what I mean by that is use only what can be paid off. A good way to use it would be to treat the card as if it had a $50 and only use $20 every month. Make sure that you pay it off on time and do it again the next month, and so on. This way, you%26#039;re building credit, but not going into debt at the same time.

How many individual credit accounts should you have on your credit report?

Dont obsess with your credit ( I Love Debt ) score. Pay as you go and you will win with money.

Credit card companies (Banks) make all the rules and can change the rules anytime they want.

Banks spend millions brainwashing people into thinking they need credit cards and a high I Love Debt score to make it in todays world. Thats just total crap.

Debt Free is Definitely the way to be!

How many individual credit accounts should you have on your credit report?

Credit scores are weird calculations. They do take into account the amount of credit that you have available whether you use it or not. The fewer credit cards that you own, the better your credit score will be. Also if you don%26#039;t plan to use a credit card that you own, ask the company to close the account. Having the availability to use the credit card will affect your credit score as well.

How many individual credit accounts should you have on your credit report?

None is best. Worrying about your fico score means you%26#039;re willing to go into debt. Going into debt means your paying interest and fees on a credit card. For what? Wouldn%26#039;t it be better to invest the principle, interest, and fees into yourself rather than paying the bank.

We as a society think we need credit. We don%26#039;t. You can live just fine with a zero fico score.

How many individual credit accounts should you have on your credit report?

I personally think a lot of posters are giving you bad information. My suggestion is to apply for a credit card in your own name since the previous posted stated the authorised user is no longer going to be a factor in calculating your credit score.

It is always better to have good credit, and you do not have to be in debt to have good credit.

How many individual credit accounts should you have on your credit report?

Smoovy is the only one who is correct.

2 negatives on credit report for same account?

2009-10-31T21:21:00.000-07:00

Under the same account I have a negative report from HHGREG and one for an collection agency(account went to collections). Should they at least delete one since it seems like they are double stabbing me?

2 negatives on credit report for same account?

Yes! I%26#039;ve done it twice in the last month. Just dispute them as duplicates or the same account. I%26#039;ve been able to get two accounts deleted. However, I didn%26#039;t get the affect I wanted which was a score increase. My score dropped the first time the 2nd delete increased my score. Good Luck! I%26#039;ve also gotten a few collections deleted. Don%26#039;t pay for anything you can do yourself! My score has increased atleast 60 points in since October!

2 negatives on credit report for same account?

Call the credit companies individually and find out if one of these can be deleted?

2 negatives on credit report for same account?

You can generally dispute (it is free and you can do it online now as well I think) any entries on your credit report. Once you file a dispute (lets say Transunion) they will inturn contact both parties and ask them to verify the info they are reporting. If they are not able to or are found to be in error they will have them removed/corrected. Make sure you file with ALL (3) Three credit agencies. They do not always communicate to each other and you could resolve the issue with one agency but have still it remain on your credit report with the other two agencies. Messed up I know, but such is life!

2 negatives on credit report for same account?

no, they do not have to delete anything, if you have a negative account report this is a mandatory to be put onto your credit report when the account is in bad standing, then if the account is brought into collections, this is another negative report because you have made the creditor go beyond reporting to the credit beaureas to collect their funds.

I am president of a credit repair company- Millenium Financial Services, i can help get these things removed.

Please visit my website @: millenium financial services . com

please note the way millenium is spelled while typing the address. i will be glad to help u .....

2 negatives on credit report for same account?

you should be able to. I once had a credit card showing twice on my credit report so i called the specific credit agency and told them and it was taken off and my score immedialtly went up the next month.

2 negatives on credit report for same account?

If HHGREG is the original creditor, they can report it. When it%26#039;s charged off, they can sell it, and the collection agency can now report it as a collections account. Neither can stay for more than seven years from last delinquency.

You can always try to dispute, and might be successful. If it gets removed because it couldn%26#039;t be verified, it can pop back up once it is verified.

Removing Bankrupcy from Credit Report?

2009-10-31T21:20:00.002-07:00

I had filed chapter 13 following a divorce. My home was in forcluser. Two years after filing, I was working with a mortage broker. I wanted to the the home financing soley in my name.

In order to negiate and clean up my credit, I voluntarily had it dismissed. Before the financing was complete, a gun accident took the brokers life forcing me to jump back into bankrupcy.

My question is , is there any way to get the second bankrupcy %26quot;removed%26quot; due to extenuating circumstances?

Removing Bankrupcy from Credit Report?

Bankruptcy%26#039;s are public records and can not be removed by anything except time.

Removing Bankrupcy from Credit Report?

its a sad situation that you are in but unfortunately you have to sit out those 10 yrs on that bankruptcy

you and no one else can delete or remove that from your credit file.....

Why the heck?! (Credit Report question)?

2009-10-31T21:20:00.001-07:00

I have had a capital one card for years now, it only has a $500 limit w/ a high intrest rate and I have NEVER been late on it. After significantly improving my credit (years of work) I applied for the next step up capital one card that has a 12% intrest rate and I was denied! 1 week later Citi bank sent me an offer of 12% with 0% on balance transfers for 1 year and I was approved in seconds for a MUCH higher limit than my capital one card. I am so offended by capital one, I transfered my $500 card and plan on canceling it. Why did this happen?

Why the heck?! (Credit Report question)?

Because they wanted to keep you at the higher interest rate to make money off of you!

Capital One is good for that, I know from experience.

If you don%26#039;t pay an annual fee, transfer the balance to Citi and leave the Cap card open with a $0 balance. They will increase your limit and lower your interest rate.

Regarding the Citi card, if you transfer the balance, there will be a one time 3% transfer fee. If you make any purchases on the card, they will be paid after the balance transfers are paid off. The interest on the purchases will accrue.

I swear by balance transfers. I haven%26#039;t paid interest in years.

Why the heck?! (Credit Report question)?

Because Cap 1 is a scumbag company.... of all the credit card companies, Cap 1 and Providian are the worse... they are horrible companies that could care less about their customers.

In my experience, AMEX, and Citibank are two of the most customer-friendly CC companies.

Dump Cap 1. You dont need them.

Why the heck?! (Credit Report question)?

cancell the capital one asap. They don%26#039;t deserve to have a good paying user like you.

Why the heck?! (Credit Report question)?

Don%26#039;t cancel the Capitol One card. With it goes all your history. Keep it open. Just don%26#039;t use it.

Capitol One turned you down because they already had you paying the higher interest rate. The best way to get them to increase your limit and lower the interest is to pay the card off in full every month. Then about every 6 months or so they will increase your limit. They will also drop your interest rate after a year or so.

Why the heck?! (Credit Report question)?

It is good that you have never been late, but have you been over limit?

All credit card companies base their decision off the information they have about you, either from their relationships, the credit report, or both.

If you are near the maximum of your credit line, and aren%26#039;t making significant payments on the $500 credit line to bring it down to zero, they may have decided that it wouldn%26#039;t be a good idea to give you a $5000 dollar credit limit.

I wouldn%26#039;t take it as a personal attack. They try to make difficult decisions on whom is a good credit risk, and whom isn%26#039;t. Think about all the mortgages that were made out to people these last couple of years, a little bit of conservatism isn%26#039;t bad. It wasn%26#039;t that these people were bad, they just let the desire to own a home fog their vision of what they could do at the current time. A couple of people saying %26quot;No%26quot; may have been a good thing.

Calling Capital One to cancel is a good idea. Tell them why you want to cancel, and see if they will make you a better offer. If they can%26#039;t/won%26#039;t don%26#039;t worry about it, this is a small issue to worry about.

Why the heck?! (Credit Report question)?

Simple, It could be that Capital one uses one credit reporting company and city uses another. For example if your credit score in Equifax is 650 or more and in Transunion your score is below 600. Citi uses Equifax therefore they are going to give you a better rate and approve you on the other hand capital one uses Transunion and your credit looks poor for them. What i recommend you to do is go a see your credit score in the 3 different credit reporting agencies. transunion/ equifax and Ceridian. you are going to see that are different. once you identify which of the credit report agencies has your high score try to apply to companies that used that agency only. When you make an application for credit always ask what credit agency they use to evaluate your application. I hope this helps

Why the heck?! (Credit Report question)?

Amex is one of the worse cards you can get. Advoid at all costs.

Why the heck?! (Credit Report question)?

a 500 dollar limit with high interest indicates a poor credit history or no credit history

1. you do not state you current income and what else is on your credit score ( negative wise or other loans/ balances )

2. a transfer indicates you carry debt, even if 500 dollars that tells me you make only minimum payments and thus are not qualified for lower interest rate much less and increase in your credit line

3. just becuase citibank gave you a higher limit does not mean your worthy of it, citibank is the number 1 issuer of CC and the number 1 in defaults amoung it%26#039;s users, they are very aggressive in signing people up with bigger than expected credit lines

4. the Amex card is for true power users as as you know you MUST pay off the full balance at end of month since it%26#039;s NOT revolving credit, hence why most do not qualify for the card

5. you should always pay the FULL balance at the end of the month, if you can%26#039;t then you cannot handle credit

Why the heck?! (Credit Report question)?

Sometimes the credit card companies do some thing which has no reason behind. So as you are not approved try toi get some other card which is better than this.you can get some good credit cards with low apr and some reward programs and then buy the necessary things with this card and pay the bills on time. You can also try some reward cards they are good. All these will make your credit good.Discover has some cards with 0% intro apr rates and also some reward programs.

To know more you can visit

http://www.creditcardbiz.blogspot.com

Why the heck?! (Credit Report question)?

Find very useful info and tips on getting and managing credit cards on http://creditcardmanager.credithelperhom...

Why the heck?! (Credit Report question)?

Welcome to %26quot;Credit Cards 101%26quot;.

Lesson learned: If a credit card company will not deal with you, call around. There are dozens of others that want your business.

DO NOT cancel the card out. Just quit using it. If you cancel, you will end up hurting your credit score for a while.

I would call them up every 6 months and ask them to lower the interest rate and raise your credit limit. Tell them you have other companies asking for your business and wanted to know if Capital One is still interested in keeping you.

Why the heck?! (Credit Report question)?

What you will find is that EVERY card company has done something to upset a card holder at one time or another.

Capital One is one of the largest issuers of cards to people with less than optimal credit scores but they also have some better cards as well.

Speaking just for myself, I still have the Capital One card with the $500 limit and the 18.99% interest rate that was the first card I got after a BK years %26amp; years ago. BUT I also have 2 other cards with Cap One with generous credit limits, low interest rates (4.99 and 9.99 fixed) AND regularly get balance transfer offers with no balance transfer fees and low fixed APR for the life of the balance transfer.

So while I know some people have an extreme dislike for Crap One (as they like to call Capitol One) I have no complaints as they have been very good to me over the years.

Why the heck?! (Credit Report question)?

The more you read on credit, or fixing your credit the more you will see that one of, or I should say the worst credit card to get is Capital One. For one they report your limit as to what your highest use was. Example say you have a $500 limit but use $100, they report your limit as $100 so it appears that you are maxed out. If you do not have a yearly charge pay it off and keep it, if you do have a yearly charge cancel it 30 days before that charge is due, in that way you build up a good credit rating with the new company and the loss of $500 credit will not be much.

Is your credit score located on your credit report?

2009-10-31T21:20:00.000-07:00

If not, how can I calculate my credit score?

Is your credit score located on your credit report?

No it isn%26#039;t. You can%26#039;t calculate it yourself. they have a secret formula. That%26#039;s why you can buy it and these scores are getting buyers.

If you go to a website like %26quot;myFico.com%26quot; you can order reports and get your fico score.

How does a creditor pulling credit report affect your credit?

2009-10-31T21:19:00.003-07:00

How often can you pull a report without negative consequenses?

How does a creditor pulling credit report affect your credit?

Pulling your credit does lower your score, however it makes only a very slight difference. The reason being if you have applied for a lot credit products recently, it can be a red flag for fraud(trying to simultaneously get loans at different places at the same time, it can also show a desperation to get cash that you are not able to pay back at that time. Keep in mind though that the credit report not only shows that difference in the score, but it has a history of every company that has recently pulled your credit.

If you are a smart shopper and know where you want to do business before you start the loan process you can avoid causing your score to dip.

How does a creditor pulling credit report affect your credit?

it doesn%26#039;t all that does is allow the creditor to see if they want to make u a loan or not. also it gives them an ideal how risky the loan would be if they went through with the deal.

How does a creditor pulling credit report affect your credit?

Only inquiries where you have requested credit will impact your credit score. Existing creditors running periodic checks, employers, security checks, hospitals or other such do not show up on a report being for new requested credit. However when you request your credit report from the bureaus themselves you can see these inquiry types.

I RECIEVED MY credit report and I have everything except the equifax they ...?

2009-10-31T21:19:00.002-07:00

mention the information I put did not match up with the information they have. They told me to send them back a photo copy of my ny state ID and Social Security. I misplace the sheet they sent. do I need a request # or that sheet to send photo copy of info; at this point I do not know what to do? I went on equifax site and it is diffcult to get incontact with them I WANT TO SPEAK TO A PERSON NOT A MACHINE. I WILL LIKE TO GET MY REPORT FROM EQUIFAX.

I RECIEVED MY credit report and I have everything except the equifax they ...?

If you have a printer, go to the link below and print up a form yourself. Send the information they requested and you will receive your report fairly quickly.

It is less of a hassle then trying to get it over the phone from a live human.

I RECIEVED MY credit report and I have everything except the equifax they ...?

1-800-685-1111

I RECIEVED MY credit report and I have everything except the equifax they ...?

You do not need that sheet just use a cover letter saying they requested the info and send it to them and they will send you your report.

Neg item on credit report.....?

2009-10-31T21:19:00.001-07:00

I have one neg item of $800 med bill since 2003 but its hurting my score...can i pay it off now or is it too late?and if i do pay it off will that fix my credit history?my score is 640

Neg item on credit report.....?

yes by all means contact the creditor (in this case your medical billing creditor) and pay it off right away. Make them issue you a letter that you have paid it.

Then write a letter to the bureau and they should be able to take that collections off your credit report....this will help your FICO over the next 3months TRUST ME

--I work as a mortgage broker and fixing people%26#039;s credit report is what I do....it gets frastrating at times but it%26#039;s worth it

Neg item on credit report.....?

Getting the negative item off of your record is up to the company you owe the money to...I was successful in removing negative items by offering the full payment to a supervisor or manager in an office (if medical) or at a collection agency. They took my payment and in turn, removed the negative rating. Its a gamble...but good luck!

Neg item on credit report.....?

neg info in most states stay on your credit report for 7 years.

if you not looking for big credit now like mortgage or car loan- you can pay them now, but your credit score will go down , because the software the credit agencies uses will read this like new activity on negative account, so if you look for mortgage pay off this account in the last moment.

Neg item on credit report.....?

since %26#039;03, challenge it. then write an explanation to be added with your credit report (loss job etc).. it is better to make payments on this than to pay it off at once.. payments shows your commitment. also try a credit counseling service for more advice

Neg item on credit report.....?

There has to be something else on your credit 1 neg on your credit that is 3 years old is not going to affect it that much.

Yes call the company and ask them to delete if you pay it off in full and tell them you what a letter with them stating they will do this before you pay it off just incase they fail to do what they say you can take it upon yourself to send copies to the credit bureaus.

Payments at this point are not a good thing better to be off totally or Paid/Collection if they refuse to totally take off, which I don%26#039;t think they are going to have a problem with.

Neg item on credit report.....?

Bianca is right- if you are concerned about raising your credit score, realize that any action on this account will show its activity as the present date, and in turn (since its been over 2 years since it occured) this will LOWER your score for probably the next 12 months. Your score may be improved more easily by paying down any credit cards (including department store accounts) to 50% or less of the limit.

If you apply for a mortgage, expect the lender to require the outstanding debt to be paid as a condition of making the loan.

Neg item on credit report.....?

Think about your question: Is it better to show that the bill was paid, even though it was paid late, or not paid at all? Would you rather collect your money late, or not at all? Pay the stupid thing. It won%26#039;t %26quot;fix%26quot; your credit, but it will look much better to potentinal creditors.

Neg item on credit report.....?

paying it now will probably not change it, call the people you owe it to and claim that you never received the bill - this is probably the best way to get out of it and let the creditor remove it

http://ebooks.interkeys.com/money/repair...

Someone pulling your credit report?

2009-10-31T21:19:00.000-07:00

If your score goes down by so many points because of inquiries, what if someone pulls your report without your consent? Its degrading your score, what can you do about it?

Someone pulling your credit report?

Now you can get your name off a list that is given to companies who pay for this information to solicate to you. I believe the only way that you can lose points on your credit score is when you give a company your SSN and concent for them you pull your credit. Many companies look at your credit but not to issue credit, but to solicate to you (ex. You%26#039;re Pre- approved)...its not the same thing. Good Luck!

Someone pulling your credit report?

Not all inquiries knock down your score. For example, unsolicited inquires (for preapproved credit cards) don%26#039;t bring down your score. The only ones that do are solicited.

Someone pulling your credit report?

IF it is without your consent then you can call the credit agencies and ask that it be removed.

Remember if you have a credit relationship with the person pulling the reports they can and will pull your report periodically to check up on you.

If an account is turned over to a collection agency they can pull your report.

Someone pulling your credit report?

Other than a collection agency I cannot imagine who can pull your credit without your permission because they have to already have your social security number.

inquiries only make up 10% of your total credit score so it is negligible.

Will it show on my credit report that I settled with a collection agency?

2009-10-31T21:18:00.003-07:00

I want to settle a payment but wanted to know if it will continue to affect my credit. Will it show on my credit that I settled with a collection agency.

Will it show on my credit report that I settled with a collection agency?

Yes it will. Anything that is negative on your credit will continue to show on your report for up to seven years.

However, it is much better for you that your account shows as a paid collection account, rather than an open collection account, which will stay on your account until it%26#039;s paid, and then another seven years from the date that it is paid.

You can ask the collection agency if they would be willing to remove it from your credit if you pay but most likely they will not do that.

Assuming that you pay this debt now and it continues to show on your credit (but now as a paid account rather than an open account) you can consider writing to the collection agency in a few years and ask them to remove it from your credit.

Even though a negative mark can stay on your credit for up to seven years (ten years if it%26#039;s a bakruptcy case) it doesn%26#039;t have to stay on that long and many companies are willing to remove this earlier, if you write to them requesting that and the account was paid in full years before.

Hope this helps.

Will it show on my credit report that I settled with a collection agency?

Yes, it will show in your account status.

Will it show on my credit report that I settled with a collection agency?

yes

Will it show on my credit report that I settled with a collection agency?

Yes, the difference in what you owed and what you actually paid will be entered as a charge off - a loss to the company who reported you.

Will it show on my credit report that I settled with a collection agency?

May I ask you how long have you had this account in collections and if it is from a credit card, installment loan, etc?

Have you seen your credit report lately? If not, I would look at it first before settling a payment.

If the account you are settling a payment for is on your credit report as a delinquent account, I would think that there is also a collection account that shows up for this delinquent account. So basically you should have two negative accounts on your credit report.

The original debt will show paid off or charged off. While the collection account will show as settled and paid. Both will stay on your credit report for seven years, are negative, and will negatively impact your credit score and decrease your chances of getting good financing and credit card opportunities for the next seven years.

Will a 'delinquency' on your credit report ruin your credit standing?

2009-10-31T21:18:00.002-07:00

I was illegally and unlawfully charged $176 from a debt collector and now I can%26#039;t get a loan for a new car because of it. Even if this issue goes away, will my credit be affected by it for the long haul?

Will a %26#039;delinquency%26#039; on your credit report ruin your credit standing?

Generally, yes. If you can%26#039;t settle it with the collector, dispute it on your report if it is wrong. Delinquencies ruin credit fast. Resolve it.

Will a %26#039;delinquency%26#039; on your credit report ruin your credit standing?

If a judgement is filed against you it will never go off your credit even if you pay it. It will state satisified but will stay on there forever, even after 7 years. Put a statement in your credit file and I would pursue the 176 if it was charged illegally.

Can I print out my credit report and score from all 3 agencie and present them to lenders to get an

2009-10-31T21:18:00.001-07:00

I dont want my credit to be docked by having multiple lenders pulling my credit. All I would like is a rate to get the best deal.

Can I print out my credit report and score from all 3 agencie and present them to lenders to get an estimate?

The lender can pull it for you right there, only takes a few minutes.

Can I print out my credit report and score from all 3 agencie and present them to lenders to get an estimate?

the lender uses a different credit agency, one that correlated the data from the three main,

Can I print out my credit report and score from all 3 agencie and present them to lenders to get an estimate?

I can%26#039;t think of a lender that will accept a client-generated credit report. For the most part, they all want to pull it themselves. One thing that I%26#039;ve done in the past (for the same reason you%26#039;re asking) when shopping for a mortgage is just call them and present my credit scores/information. While I wasn%26#039;t able to get a %26quot;concrete%26quot; offer from anyone, most were very helpful in giving me a ballpark rate that I might qualify for with their company.

Can I print out my credit report and score from all 3 agencie and present them to lenders to get an estimate?

Potential lenders will not consider what you present to them. They require their employees run credit reports - this is to ensure that you haven%26#039;t %26quot;doctored%26quot; the reports. Nor will they allow you to see the reports they run.

Can I print out my credit report and score from all 3 agencie and present them to lenders to get an estimate?

Sure, we do it all the time. If we make a deal however, we still have to run credit.

I want to view my credit report without having to enter a credit card number, does anyone know of an

2009-10-31T21:18:00.000-07:00

I have checked on freecreditreport.com already but you have to use a credit card.

I want to view my credit report without having to enter a credit card number, does anyone know of any sites?

www.annualcreditreport.com

I want to view my credit report without having to enter a credit card number, does anyone know of any sites?

Go to www.annualcreditreport.com it%26#039;s really free!!!

I want to view my credit report without having to enter a credit card number, does anyone know of any sites?

I will encourage you to visit this site

http://www.bestcreditcardratings.com

they offer 30 days free credit report from Equifax, Experian and Transunion.

If charge offs appear on my credit report, will paying them change my credit score?

2009-10-31T21:17:00.002-07:00

I made the mistake of getting several high interest, small credit line cards. When I became unemployed and unable to pay, the penalities skyrocketed. One bill went from around $400 to over $2500 in a few months. %26#039;%26#039;Offers of settlement%26#039;%26#039; started coming in but they all demanded one lum sum payments. Debt consolidation is not an option. Has anyone found a way to pay in installments and after paying these debts, how is your credit score changed? Thanks.

If charge offs appear on my credit report, will paying them change my credit score?

Charge offs, paid or unpaid, remain for 7 years from date of last activity. Credit reporting agencies do not forget to remove them; they purge automatically.

Paying a charge off won%26#039;t remove it, but not paying can cause a judgment to be filed, and that also can remain for 7 years from date filed.

Paying a large debt may increase your score somewhat, but, also, future creditors look at unpaid charge offs less favourably than paid charge offs.

If charge offs appear on my credit report, will paying them change my credit score?

That is a very mature attitude. Congratulations on recognizing past mistakes and striving to work toward fixing them. Report It

If charge offs appear on my credit report, will paying them change my credit score?

You can work with the people you own with to see if they can work something out as far as installments go.

If the debt is paid, the score will be better since you dont owe anyone any money anymore. However the history of the debt stays on the credit report for many years.

If charge offs appear on my credit report, will paying them change my credit score?

After my husband lost his job, we could not pay our cards either. We also occurred %26quot;write-offs%26quot; We later filed for bancrupcy thinking that it would take care of all of those %26quot;write-offs%26quot; showing up on our credit history. Later, we realized that we should have just left things alone. No matter how much you had owed or when the %26quot;write-off%26quot; occured, that bad mark on your credit will dissapear exactly seven years after the date of your first late or missed payment in connection with that account. And for us, it was easier waiting for it to dissapear than to pay it off. Besides, paying it off will only show that you have less debt, the blemishes on your credit will remain for seven years, regardless. Our score did suffer for a bit, but we eventually got a new card with a crappy intrest rate and very small credit limit just so we could rebuild our credit. Getting a new card and always paying it full on time every month will slowly add points to your score. And recheck your credit report every year and make sure that stuff that is supposed to be taken off does dissapear. Sometimes the reporting companies %26quot;forget%26quot; to take things off at the end of the mandatory 7 years.

If charge offs appear on my credit report, will paying them change my credit score?

REdsoxfan is correct. Not paying can cause more trouble than it%26#039;s worth. I tried that wait 7 years thing, and it never made it 7 years it turned into a judgment that I ended up getting garnished for. That made my score worse than it would have been had I just paid it. I will tell you this, if you pay it even if your score doesn%26#039;t change much, you have more leverage if you go into a credit union or bank and ask for a loan. When you sit down with the loan officer they%26#039;ll see that you%26#039;ve had some bad things but you%26#039;ve paid them.

Credit Advice--Please Help--I had 4 collections on my credit report.?

2009-10-31T21:17:00.001-07:00

I have paid 3 in full (today actually), and the 4th is in process. When should i expect to see an increase in my credit score and how much will i see?? i%26#039;m at 595 right now.

Credit Advice--Please Help--I had 4 collections on my credit report.?

It depends on what you are left with on your credit report. If you don%26#039;t have other accounts, you score will not change much, but if you have others, then if could jump quite a bit. Anyone who says they can tell without actually seeing the report and %26quot;factor codes%26quot; is just guessing.

Good credit is more than the absence on bad credit. When you pay the collections they are then reported as %26quot;paid collections%26quot; but there is still the record of the bad debt. Unless you have several other accounts with good payment histories, then you will still have issues.

You could dispute the accounts AFTER they are paid off, but that may not get them removed from your report. Take a look at the 4 %26quot;factor codes%26quot; after your score on your credit report. They should give you a feel for other things you can do to improve your score, or just ask a mortgage broker, we are always happy to help out...

Credit Advice--Please Help--I had 4 collections on my credit report.?

DId you have any charge offs? They remain on your report for 7 1/2 years.

If you start paying all your bills on time - all the time - use only a fraction of your available credit - say 50% - and don%26#039;t apply for new credit for a while, you score will start to rise.

Credit scores are weighted toward more recent events. I would think in a year or so you should be at 650 or more, if you behave yourself.

How to resolve something wrong in my credit report?

2009-10-31T21:17:00.000-07:00

This Yahoo thing seems very good and I am trying one more here.

In 2000,when I was a grad student in another state,apartment management firm charged me $600 for something that I was not liable for. There was small crack on the kitchen floor but they said it was created by me. However,there were lots of crack in the apartment since it was very old apartment. I even videotaped all crackes in my room. I tried to resolve the issue with them. But they didn%26#039;t want to even discuss about it and said that I need to pay for it.

After graduation and moving into California, I found later that they sent this to collection agency and my credit score is impacted badly with this $600 . $600 is not a big amount however,I won%26#039;t pay for this since I am not responsible for this. What should I do? Should I contact credit agency and explain this? My credit is very clean except this. However,I%26#039;d like to increase my score and I don%26#039;t want to have this in my credit history.

How to resolve something wrong in my credit report?

Take someone elses identity.

How to resolve something wrong in my credit report?

tell them you%26#039;re getting a lawyer.

How to resolve something wrong in my credit report?

If U won%26#039;t pay 4 this then it stays on your credit score U can%26#039;t get it removed especially if they brought U 2 court on this matter

How to resolve something wrong in my credit report?

You could

a) send a letter and a copy of the video to the landlord / tenant board in the city that you lived in previously and see if there have been any previous complaints made against this landloard.

b)if you have plans to go back to the community you could take them to small claims court with this same evidence.

c)you could get some advice from a lawyer that deals with landlords. some of themwill give you a half hour of free advice

d) you can suck it up and recognize that some lessons in life are tough and $600 is a small price to pay for a good credit rating

How to resolve something wrong in my credit report?

I am not sure the rules and reg sup to date but you can file a dispute and they have x amount of days to prove you owe. Most will not in many cases. This from a credit union manager I knew.

Also if you have something on your credit and it about to hit 7 years (when it should be removed) companies sell your debt yes sell your debt to another company which renews the 7 years. What a BS loop hole anyway dispute these they will never have proof.

How to resolve something wrong in my credit report?

First you can file a %26#039;Dispute Report%26#039; with each of the three credit reporting bureaus: Trans Union, Equifax, and Experian. If you do this, each bureau must contact the one who put the bad mark there against you, and have them prove that it belongs there. This MAY solve some things for you. Then - you have a right to put a written statement from you right into your credit file. Ask each credit bureau about this. Credit scores are impersonal and they rely on what is in the credit reports. A potential lender should look at everything that is in the reports, and they should see your rebuttal statement concerning the crack(s) that you say you did not put there. Good Luck-!!

Already Recieved my Free Annual Credit Report. What now? Want another up to date report where should

2009-10-31T21:16:00.002-07:00

Want another up- to- date report where should I go? I want to have access all year. Whats the cheapest place to go? Is there a monthly fee or yearly fee?

Already Recieved my Free Annual Credit Report. What now? Want another up to date report where should I go?

Personally I use citi credit monitoring--it is 12.95 per month--i get all 3 reports and all 3 scores. you don%26#039;t have to have a citi card--i just came accross it

http://www.creditmonitoring.citi.com/ind...

Already Recieved my Free Annual Credit Report. What now? Want another up to date report where should I go?

www.creditexpert.com around 鎷?.00 a mnth

Already Recieved my Free Annual Credit Report. What now? Want another up to date report where should I go?

http://www.annualcreditreport.com

this one is free, most claim to be but are not.

Where can I get my credit report without providing credit card information?

2009-10-31T21:16:00.001-07:00

Have you had experience with the place which you recommend. Freecreditreports.com asks for my credit card information.

Where can I get my credit report without providing credit card information?

annualcreditreport.com

u might have to put in a cc info.. for identification but i dont think so

Where can I get my credit report without providing credit card information?

hayley%26#039;s right on the money

check out all three credit reports for free at annualcreditreport.com.

look for errors, and id theft. figure out a statement for investigators to check out. it has your report from TransUnion, Experian, and well you%26#039;ll find out. It was setup as part of a fed mandate. The most important document a US resident has, as the information on it will help someone else determine if you get the job you apply for, rent the house or apt, get a phone or electric account, and so on. almost as insidious as being investigated and watched by the CIA.

But people get errors placed on the file all the time, but never seem to look at their own file to see what%26#039;s right and what%26#039;s not.

Where can I get my credit report without providing credit card information?

All of the sites that show you your score and report on line will ask for your credit card. If you close the account before 30 days you should not be charged a dime.

If you don%26#039;t want to do that you can call these #%26#039;s and they will mail them to you.

Credit reporting agencies

閳?TransUnion LLC

800-888-4213

P.O. Box 2000

Chester, PA 19022

閳?Equifax

800-685-1111

P.O. Box 740256

Atlanta, GA 30374

閳?Experian

888-397-3742

National Consumer Assistance Center

P.O. Box 2002

Allen, TX 75013

Why when i go to free credit report i have to pay with a credit card. if i had a card i would not ne

2009-10-31T21:16:00.000-07:00

than they say we need a credit card to vierfy. but only a dollar r more if i had a credit card i could get them to get me a score.

Why when i go to free credit report i have to pay with a credit card. if i had a card i would not need my scor

if you need a score, you have to pay.

if you only want your report, go to www.annualcreditreport.com.

it%26#039;s totally free. no credit card needed.

Why when i go to free credit report i have to pay with a credit card. if i had a card i would not need my scor

why do you want to check your score anyways?!!!

did you know that every time you check your score, it shows up as an inquiry

when you apply for a loan or anything else where they check your credit, that inquiry counts against you, and minimizes your chances of getting that loan

Why when i go to free credit report i have to pay with a credit card. if i had a card i would not need my scor

To get a free credit REPORT use www.AnnualCreditReport.com.

To get a free credit SCORE, get a Washington Mutual credit card, their website will show you your score for free whenever you want.

Checking your report does not reduce your score. I check mine once a week, via Washington Mutual. It doesn%26#039;t change.

Why when i go to free credit report i have to pay with a credit card. if i had a card i would not need my scor

Your credit reports are free; I think you have to pay for your score, but the fee isn%26#039;t that high from my understanding. I think the reason you are asked for a credit card is because it is being done online and they don%26#039;t want to accidently disclose this information to somebody who is posing as you.

Why when i go to free credit report i have to pay with a credit card. if i had a card i would not need my scor

Sometimes the free credit report you order includes a free trial for a credit monitoring membership. If you do not cancel the membership within the trial period they will charge you閳ユ獧e for the membership

If you want a truely free yearly credit report with no credit card required then go to http://www.annualcreditreport.com

If you want a credit report and monitoring service than you will need to enter your credit card on one of many sites offering this service.

Here is an article that explains the facts about the very question you are asking in detail:

http://www.creditfamily.com/articles/get...

How do i get my credit report without using a credit card?

2009-10-28T02:21:00.000-07:00

I dont have a credit card and wont ask to use someone elses for this.

How do i get my credit report without using a credit card?

Everyone in the US is entitled to one copy of their credit report each year from each bureau for free. There is nothing to sign up for, this is a gov%26#039;t program - https://www.annualcreditreport.com/cra/i...

How do i get my credit report without using a credit card?

Go to the website of one of the credit reporting agencies and get their 800 number. It might even be listed in your local phone directory if you live in a big city. Call it and it will give you an address to write and what info to send with a check for the amount depending on how in depth you want your report to be

How do i get my credit report without using a credit card?

I used that service wher you have to put in the card info. it is legit really. you just call back in a few days and say you want to cancel and you will not be charged

How do i get my credit report without using a credit card?

wildheaven is right you can get a free copy there only thing is though is that doesnt contain your score. You have to order a copy to get that. If you want they do take check by phone so you can call the 800 number and give them your bank routing number.

How can you get your credit report without using online or credit card?

2009-10-28T02:20:00.003-07:00

All those so called free sites always ask for your credit card number. Which means to me it isn%26#039;t free.

How can you get your credit report without using online or credit card?

why do you need a credit report these things are free with a fee and have no accuracy you can get the accurate information at your financial intuition and they will tell you the truth because credit is there business these other places care only about your fee good credit is being debt free or making ALL your payments ON TIME then you don%26#039;t need a report

How can you get your credit report without using online or credit card?

annualcreditreport.com doesn%26#039;t ask for a credit card and has been set up by the 3 bureaus to comply with federal legislation.

How can you get your credit report without using online or credit card?

Your answer is at http://www.AnnualCreditreport.com

There are 3 credit agencies and select one and then spread the others over every 4 months.

This way you can see your reports form the 3 companies. Your FICO score will cost extra.

If you see a problem, write to the companay as it will be looked into or corrected.

Enjoy

I have a fraudulent item on my credit report from years ago. How can I get it removed?

2009-10-28T02:20:00.002-07:00

My father took out a credit card in my name when I was 13 years old. Now I am 21 and looking to build my credit but there is a credit card charged off due to bankruptcy with a 5000 dollar credit balance from 8 years ago. Please help me with removing these records.

I have a fraudulent item on my credit report from years ago. How can I get it removed?

Send a letter disputing the charge to all three credit bureaus. Also send proof that you were only 13 at the time and therefore couldn%26#039;t have legally entered into a contract, let alone get a credit card without being old enough to work. They%26#039;ll investigate it. Hopefully you won%26#039;t have any troulbe getting it removed.

I had to do the same thing when my mom put utilities in my name. I had to pay them off years later and ended up sending several things proving that I never lived at that address. It took awhile, but I eventually got them removed.

I have a fraudulent item on my credit report from years ago. How can I get it removed?

If you obtain a copy of your credit report, there should be a number to call or a form to fill out to dispute any reports on your record. They will investigate, let them know that you were only 13 at the time of this %26quot;credit delinquency%26quot; and they should be able to remove it.

I have a fraudulent item on my credit report from years ago. How can I get it removed?

After 8 years, it should no longer be on your credit report any way..

contact the credit reporting agency and have it removed

I have a fraudulent item on my credit report from years ago. How can I get it removed?

Good Luck! We just went through this issue when refinancing. An unpaid charge of about $500 came up on all three credit reports from about 5 years ago. I got copies of my canceled checks that were endorsed by the store, send them off with a letter to the credit agencies and they told me that I had to send a 100 pag statement to them, blah, blah, blah..........

I didn%26#039;t...I have the copies and am prepared to show them to anyone who wants them.

By the way, the company is long out of business so how do they not believe me with proof???

Keep your proof and offer it when asked.

Want to get a CANADIAN credit report from a Canadian credit source ,why ? because I"m a canadia

2009-10-28T02:20:00.001-07:00

I look for a canadian credit check on Yahoo CANADIAN web site all I get back is AMERICAN sites

Want to get a CANADIAN credit report from a Canadian credit source ,why ? because I%26quot;m a canadian?

transunion, is where i got it done, i believe it costs about $12.00

Want to get a CANADIAN credit report from a Canadian credit source ,why ? because I%26quot;m a canadian?

http://www.equifax.com/EFX_Canada/

Want to get a CANADIAN credit report from a Canadian credit source ,why ? because I%26quot;m a canadian?

If you%26#039;re a CANADIAN wanting a CANADIAN credit report, try the CANADIAN version of Yahoo Answers and you might get more luck. Click on the CANADIAN flag at the bottom of this page.

Where can i get a free credit report if i don't have a credit card.(on line)?

2009-10-28T02:20:00.000-07:00

Every on line site I go on they ask for a credit card number and I don%26#039;t have a credit card. I%26#039;m only 19.

Where can i get a free credit report if i don%26#039;t have a credit card.(on line)?

The sites you are going on are selling something ,

And including the free report .

The free annual report required by the US gov can be gotten from the home credit reporting site . . .

https://www.annualcreditreport.com/cra/i...

And you should Not have to give a credit card number unless you are ordering your FICO score ,

Which is Not free . They charge for the FICO score but not the reports from the big 3 .

And read up on the whole thing on wiki

http://en.wikipedia.org/wiki/Credit_repo...

%26gt;

Where can i get a free credit report if i don%26#039;t have a credit card.(on line)?

3 Free Credit Reports For You : http://onlinetips.info/tips/credit/3-fre...

How can I obtain a credit report without using credit card information?

2009-10-28T02:19:00.003-07:00

don%26#039;t have a credit card

How can I obtain a credit report without using credit card information?

Each of the three major credit reporting agencies are legally obligated to give you one free credit report per year. You do not need a credit card to get these because they are free. BEWARE, there are a lot of thieves out there who will try to charge you to get what is legally yours for free. One of the links below is to the site that the government actually authorizes to provide this free service and the other is to the Federal Trade Commission site that explains what the laws are surrounging your annual free credit report.

How can I obtain a credit report without using credit card information?

You normally won%26#039;t have to use credit card info. But, you will be asked questions to verify your identity, like an address where you lived for example.

How can I obtain a credit report without using credit card information?

This information is based upon the Federal Trade Commissions website www.ftc.gov. You can follow the link off the website located on the left hand side if you scroll down under %26quot;Hot Topics%26quot; you will find %26quot;FREE Annual Credit Report%26quot;.

This link is the ONLY authorized online source for you to get a free credit report under federal law. You can get a free report from each of the three national credit reporting companies every 12 months. Some other sites claim to offer %26quot;free%26quot; credit reports, but may charge you for another product if you accept a %26quot;free%26quot; report. The link is www.annualcreditreport.com

Does checking your credit score on free credit report . com effect it at all?

2009-10-28T02:19:00.002-07:00

also any recommendations for online credit score checking agency%26#039;s

Does checking your credit score on free credit report . com effect it at all?

This is considered a %26quot;soft hit%26quot; and DOES NOT affect ones credit score. The only inquiries that hurt your score are the ones used to determine credit worthiness (i.e. you apply for credit or loans).

Does checking your credit score on free credit report . com effect it at all?

if YOU are checking your credit report it%26#039;s considered a soft inquiry and you DO NOT lose any points

You can check your report as often as you want/need

You can get a 1 free credit report for all 3 agencys at:

www.annualcreditreport.com

You must pay for the credit scores

Does checking your credit score on free credit report . com effect it at all?

yes..anytime you or another agency runs your name through the credit bureau-it adds some points to ur credit score..so dont do it alot

Why are companies asking to review your credit report now, in order to hire you?

2009-10-28T02:19:00.001-07:00

I was hired on as %26quot;seasonal%26quot; and they did a credit check, then was terminated because my credit check didn%26#039;t pass. (I have horrible credit, which I would like to start working on, but need income to do so). Now I just finished filling out another application for %26quot;seasonal%26quot; and they are asking to do the same. What reasons would they hire or not hire, due to credit checks?

Why are companies asking to review your credit report now, in order to hire you?

I do not necessarily believe a credit check should be the determining factor if you are hired or not. It may be completely independent upon how great of a worker you may be. However, in the same breath it can show that you have a weakness in responsibility. Perhaps, if you can be reliable and trustworthy. I agree with you, you need an income to improve your score. So it%26#039;s kind of a double whammy. I don%26#039;t know much about it, but perhaps you could explain your situation to the HR personnel and that you would like to get back on your feet and improve your score and the only way you can do that is by finding employment. Just be persistent and I am sure you will be able to find some work. Good luck.

Why are companies asking to review your credit report now, in order to hire you?

people with credit problems are more prone to steal.

Why are companies asking to review your credit report now, in order to hire you?

%26quot;Many employers -- including the federal government -- routinely scour credit reports on current and prospective employees to help decide who%26#039;s hired or fired.%26quot;

There%26#039;s a good article about it here:

Why are companies asking to review your credit report now, in order to hire you?

OK last answer for the night.

Because they CAN!!

Gimme a best answer here, I%26#039;ve been working hard!! LOL!!

By the way Great Questions!!