 Difficulty with Experian, re: disputing errors on credit report. HELP? |
| I've been trying to resolve errors on my credit reports recently, but Experian is giving me a major headache. I sent them two letters via certified mail; one to request deletions, and a second ... |
|
 Why would identity fraud be my problem and not my bank's ? |
| Suppose someone manages by digital or other means to trick my bank into paying out money which it incorrectly thinks that I have authorised. Isn't this the bank's problem in the end ? S... |
|
 Why do people accept credit anf then not pay it back? |
| Don;t they realize that comapnies don't eat those costs, they pass it on to the rest of us who responsibly pay our bills?... |
|
 How to increase credit score? |
Equifax is 739
Transunion is 750
Experian is 749
I have my credit card for 14 months ago.
How to increase credit score? cause i dont actualy use my credit card i only use ... |
|
| Having problems with debt collector for an 8 yr old account they will not provide info other than amount i owe |
| Today i got a letter through the post from a debt collection agency. When i phond them i was greeted by an unhelpful agent who would not provide me with much info. The debtor was noted as singlepoint ... |
|
 Am I reponsible for Mom's debt when she dies? |
My Mom has a couple credit cards and is about 12,000 in debt. Although I am not a joint owner of the card they have had me as an authorized user for years and in fact have issued me
a card in my ... |
|
| Theres a checkcashing place my son cashed a check at, the people who sent him the check put stop payment on it |
and now ace express tells him he owes them 285.00$ what can they do as far as going to jail, or sending him to a collection agency
Additional Details
they check was a personal check from ... |
|
 I have one shoddy credit card (26% apr? lol) that I only have in order to build credit. Will...? |
| they eventually give me more credit after so many months of paying on time and not really using the card anyway? Or can I request more credit at some point? I've only had the card for a few ... |
|
 How would you be affected if your credit limts were reduced? |
| According to the article linked to below, one analyst thinks that the credit industry is poised to reduce the liquidity of the American consumer by 2 trillion dollars through credit line reductions. ... |
|
 How to Build your credit with new Social Security Number ? |
Does the the Cellphone Bills, Credit card, Internet bills help in Building credit ?
What is the best way to Build an Excellent credit.
what to avoid .
Additional Details
I do ... |
|
 Is a credit score of 717 considered a good score? |
Good enough to get a auto loan or possibly a home loan?
I have only had credit cards for almost 2 years.... |
|
 I am 18 and i want to apply for a credit card? |
Where do i start? Which credit card is best for me?
Does it mean that now I do not have credit history?... |
|
 Credit cards? |
| We have a credit card and have had it for over 5 years now. We got our bill this month our payment went up to 183 dollars. The next day we got a letter from the credit card company saying that they ... |
|
 Which credit card you perfer? |
| I just turned 18 and I want to apply for a credit card but there are a lot. Which is the best credit card i should get? ex. american express because it has a good rebate percentage? or visa. etc.... |
|
|  |
Aditya H | Applying for a credit card that would build my credit report? |
Hi all, I am new to the united states and has been living here for a year. My current credit score is between 600-700 and I want to open a new credit card account to build my credit history here. What bank/company/credit card do you guys recommend me to apply for that would build my credit history fast? Especially it would be good if those companies offer some benefits of using their credit card. Thanks |
 |
 
Little J
|
Your bank would be the best one to start with before going with other companies |
|
alexa dion
 |
A secured credit card requires that you deposit money with the issuing bank, and the bank will issue a credit card in the same amount for your use. Secured cards are guaranteed to be approved, because the bank has your deposit money in case you do not pay your balance. A secured credit card for bad credit operates much like a regular credit card. You receive a monthly statement, and you pay your minimum monthly payment or the balance in full each month. You are charged an interest rate, annual fee and possibly other fees for a secured credit card account.
Be aware that with a secured credit card for bad credit, your charges are not deducted from the deposit you have with the issuing bank. The bank is simply holding your deposit in the case that you default on your credit card balance. You must pay your monthly payments, and owe the bank the balance that you have charged on the credit card. You cannot refuse to pay simply because the bank is holding a deposit without further damaging your credit. apply online at: http://www.credit-card-gallery.com/PrePaid_Card.html |
|
joelmeulenberg
 |
The best way I know to use credit cards and build your credit is to funnel most/all of your normal spending (what you'd normally just pay cash for) through your reward credit card(s) and pay off your balance in full every month. That way you build your credit quickly, avoid interest, and earn rewards (like cash back).
The only question then is: Which reward credit card will pay you the most in rewards for your normal spending?
To answer that question, you can use this credit card reward calculator:
http://www.creditcardtuneup.com/
Some of the better rewards cards include the American Express Blue Cash, Citi Driver's Edge, and Chase Freedom card. |
|
beauty s
|
orchard bank |
|
mindthegaap1
|
I do not believe that the issuer of your credit in and of itself has anything to do with how it affects your credit report, with a few exceptions. Some cards, such as the main American Express series, are actually charge cards, and only report negative information to the credit agencies. Also, one factor that makes a major difference with regards to your credit score is your total debt utilisation percentage: that is the amount of your credit balance divided by your total credit limit. This is something you want to keep down, so if you can, shop for as high a credit limit as possible. Finally, the main thing that will build your credit score is a long history of on time payments, so try to get your card as soon as possible and pay properly every month.
Rewards are very dependent on your own priorities. If you're looking to travel, consider a card that is tied to the airline that operates most flight near your home. One thing to watch out for is store charge cards (regardless of the rewards offered at the particular stores), as there is a fairly well held belief that these may actually harm your score.
Hope this helps. |
|
Connie
 |
It's not about the credit card company that helps you to build your credit score. You have total control of how you want to keep your credit score high.
Go online to major banks such as BOA, Citibank, Wacovia... to check out what type of credit card that fits you best. don't apply to an unknown credit card companies. Visa, Master cards issue by hundreds of banks or companies. Choose the one that you can trust.
There are student cards, colleges and universities, cards that give you cash back, airline mileage, worldpoints, charity, military, outdoors, sports, shopping etc.. Before applied to any credit cards, make sure to read carefully all the terms and conditions because not all credit cards are created equal.
Some you have to pay fees to use it like travel cards because you get free mileage, others you get perks to access to airport lounge like platinum Amex check out the fees before applied.
Majority of the cards do not require annual fee unless it's a secured card. Also keep in mind because you apply to certain cards, that doesn't mean you will get the credit line you're looking for. It all depends on your credit worthiness |
|
Advisor
 |
I recommend a credit card from Chase. You can earn rewards like cash back. To apply online go here http://www.ccvault.com/credit_cards/chase.php |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 4 minutes(s) ago
| | | |
9 | 8 minutes(s) ago
| | | |
9 | 21 minutes(s) ago
| | | |
9 | 27 minutes(s) ago
| | | |
9 | 31 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
8 | 5 hour(s) ago
| | | |
9 | 7 hour(s) ago
| | | |
9 | 9 hour(s) ago
| | | |
9 | 10 hour(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
