 Should I refinance or file for bankruptcy? |
| My credit is poor so, if I refinance I will be paying a very high interest rate but, if my credit is already bad anyway should I just file for bankruptcy?... |
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 I just turned 18, what is the best way for me to get a credit card? |
| I want one that I can use anywhere, not just a store credit card.... |
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 My 12 year old son wants a kids credit card any good places you can recomend? |
| He wants a proper card that he can use and not a pass book, he wants a good interest rate if thats possible.... |
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 Do you have to deal with collection firms who "purchased" the debt, or can you work with the original banks |
| I am 22 with about $2200 in credit card debt with no real secure source of good income. I just barely get by without having to pay this bill, but I think I could afford to make low monthly payments. I... |
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 I have really bad credit and I need to get a car. Is there anyway I can finance a car with horrible credit? |
| I have a consumer credit counseling or something like that showing on my credit report. Help me out I need a car!... |
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 I am drowning in $20000 of credit card debts, I am making about $1,500 per month, what can I do?? |
| I have about 9 credit cards, I don't have a house or a car. I had goto many banks and they don't approve me for consolidation loans... Right now, I spent all of my salaries each and every ... |
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 Does bankruptcy destroy your credit for life? |
| With the rise in the cost of everything I'm getting close to having to claim bankruptcy. Is this going to destroy my credit for life?... |
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| Going to court over debt? |
| A friend is being sued in Texas for a debt. 2 years ago he was sued over a debt his ex defaulted on. There was a default judgement and I doubt he paid the debt. I think the new suit is an attempt to ... |
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 Should I call the Credit card company to reduce my credit limit? |
| After several years of CC debt I finally made it a point in 07' to pay them off. So I wrote a $12,584.63 check (that hurt) to Visa to clear the remaining balance. The limit on this Visa was $16... |
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 I have credit card debt from 2001 When will it fall off the credit report? |
| My husband and I live in California and back in 2001 we were in a financial crises and didnt pay 5 credit card bills. But I have several collection agencies calling and sending bills. When will it ... |
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 I need help finding a quick personal loan? |
| Can someone help me find a quick personal loan, something other than a payday loan?... |
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 What credit card company offers a low interest rate %? I need to open a major credit card.? |
| I'm 18 years old and I would like to open a major credit card but I'm having a hard time finding one that has a low interest rate. Any suggestions on who to go with or where to look on the ... |
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 If we didnt have CREDIT we would never survive on our salaries so why is everything so expensive that we have? |
to have credit to afford them.
Additional Details
I DONT HAVE A CREDIT CARD OR ANY CREDIT I BUY WHAT I CAN AFFORD WITH CASH AND GO WITHOUT TILL THE END OF THE MONTH IF NEED BE... |
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 Credit card APR? |
| Is 17.9% to 19% APR bad for a Hess Gas card. We are trying to better our credit as much as possiable.. If we buy gas every month and pay it off in full will the APR even matter??... |
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 How do you get ONE free credit report without signing up for a trial of anything? |
| I keep seeing offers for free credit reports. But you always have to signup for a month of service that will continue in perpetuity unless you go to them and tell them to cancel. Is there a way you ... |
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 How can I get a debtor to stop calling? |
| My son recently had emergency surgery and the medical bills are absolutely enormous (in excess of $86000 AFTER insurance pay outs). The hospital has hounded me for several months now, and I have ... |
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 Why does Capital One offer this? |
Capital One sent me an offer for a pre-approved Preferred Plus Platinum MC with a credit line of up to $5000.
But I already have a MC with Capital One and had one for the past two years. <... |
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hellothere | Best way to find out your credit score? |
i know there are tons of online "services" that say they can find out your credit score. are these for real? i need to know my credit score... |
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libbybill827
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What totally sucked was the fact that after college I had so much credit card debt that piled up and it was really affecting my credit score. I searched around and tried a few of those debt consolidation sites but found that nothing that I tried really worked. I found this kick *** site that helped me alleviate these problems and I want to share it with you.
I helped me out so much and I hope it helps you as well.
http://getoutofdebt.5gbfree.com/index.html |
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Jouvert
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The best way is to contact one of the credit agencies directly. I know Equifax has an on-line service where for a fee you can access not only their database regarding your credit score, but also information from the other two credit agencies. It is not expensive either. |
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Faye H
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You actually have three of them. One from Experian, one from Equifax and one from TransUnion.
You can log on to any of their websites and for a fee, get your score.
There are a bunch of websites that claim they can get it. However, I personally don't want to give my credit information to anyone just to find out my score, especially when I don't know what else they might do with it.
Your other option, if you have anyone at your bank that you can ask, they can get it for you. I called customer service at my bank one time a couple years ago and just asked them what my score was and got it that way. |
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meallad
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All of the online services are basically useless when it comes to the credit score. There are different models that different agencies use for different needs. Most usable score used to be FICO score, but even now lenders are looking at different things. If you order a credit score from 3 main agencies (Equifax, Experian & Transunion) more than likely their scores will differ anywhere from 10-50 points, sometimes even more. What you should do, to make sure that your credit is in good standing, is order your free credit report and make sure that there are no creditor discrepancies, and if they are, contact the credit agency and request to investigate or remove incorrect information. Other than that, when you will buy a house or finance a car, a mortgage officer or a dealer will furnish you with a copy of a credit report with a credit score at that point in time.
However, if you do want to get the general idea about what range your credit is most likely in, order FICO score. |
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Todd S
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Find one that offers a free trial, where you can cancel within 30 days and pay nothing. You'll get your credit score and you'll be able to cancel right away. Use one of the bigger name companies such as freecreditreport.com or a similar brand.
Don't bother with annaulcreditreport.com because though free from the government, it doesn't come with a credit score, just your credit history.
Learn more at http://www.thetruthaboutcreditcards.com |
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redhead415
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www.annualcreditreport.com You can get it here free once a year. New law. |
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buddy
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The best is privacyguard.com it is accurate and has a calculator to show you different scenarios . Exaple if you were to pay off a credit card how high would your score go . |
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Sarah K
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You could try a 30-day free trial, but I don't think it's worth it as these can be difficult to cancel. Go to ww.myfico.com and pay either $45 for the three scores individually, pay them $48 for their special with credit reports, or pay $50 for the Suze Orman FICO kit... I'd go with the $50 kit because it gives information on how to raise the score. Best of luck! |
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BillK
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Once a year, you can get one free credit report from each of the three major credit reporting agencies: Equifax, Experian, and TransUnion. For more information about this go to www.annualcreditreport.com.
Checkout http://www.howtoestablishgoodcredit.com/Credit_Articles/index.php
There are lots of articles there, related to your question, which you can find useful to boost your credit. |
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Today is great
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If you don't mind paying for it. then go to the "credit report" section on www.lagerstone.com |
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Dr Universe
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try FreeCreditReport.com |
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