 What happens when you just stop paying on a credit card? |
| Seriously, I have bad debt once out of college and this one card has a pretty high limit and it's maxed and I have tried calling them for assistance but they refuse to help me out and lower my ... |
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 What is the best way to get rid of a credit card? |
| I have an aspire credit card which I haven't had any trouble out of but I want to get rid of it before its time for the annual fee of $150. What is the best way to get rid of it. Cancel it and ... |
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 I have $2000 in debt. I want to take out a loan to pay this off. What kind of loan should/could I get? |
| I have almost $2000.00 total in credit card debt, on three different cards.(CitiCards: $1000.00, Capital One: $700.00, and Gap $200.00.) I have cut up all of my credit cards, but have yet to cancel ... |
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 Why would someone fraudulently purchase items on my credit card and send them to my house? |
| Several items were purchased on my debit card and some of the items bought were sent to my house. I can understand why someone would buy something for themselves, but why steal my credit card # and ... |
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 Why do creditors put so much importance in credit score? |
| I mean ok I go to apply for a loan and check my credit score with experian before I leave. Experian says my credit score is a 656. I have no late pays, no over limits on my credit cards or anything ... |
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 Money has gone missing from my account.? |
| I went to head out last night and went to the ATM to get money out, knowing I had at least £60 in my account. It wouldnt let me take it out, said I had insufficent funds. So, I checked my balance ... |
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 Credit card debt that is 6 years old? |
| should i pay it off ( the $2,000) or not? is there a statue of limitations on credit reporting? if yes, how long is it and should i just wait it out or would i still be responsible for this old ... |
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 I have moved to the U.S. a month ago. I have no credit history. how can I make one.? |
| whatever I want to do and need load they are asking for a credit history which I don't have. what can I do. I live in burlington, VT.... |
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 What documents or proof do I need to show my son has worked? |
| Are there certain documents I have to get to show that my son worked at a certain place? What is it? He's 15 going to be 16 this year. He wants the evidence for a school credit or something.... |
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 Bad credit need Credit card !!!!!!!!!!!!? |
| I HAVE A SCORE OF 460 AND EVERYTIME I TRY TO APPLY FOR ONE I HAVE TO PUT MONEY DOWN OR SOME BS... |
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 I want to consolidate my credit cards? |
| I have about $12,000 in unsecured debt from credit cards. I plan to pay two off soon, but that still leaves about $10,000. I am paying the minimums and have a good credit score (730), but my ... |
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| HOW can i improve my Credit? |
| I have no credit cards. I have no loans outstanding. I do have a past chapter 13. Paying on al old accounts. So what else can I do to improve my credit..... |
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 I have 16 credit cards.. Is that bad? |
I have 16 credit cards, however, 2 of them are Business Cards (so they aren't even reported to my consume credit report, but instead to a Dunn and Bradstreet credit report?)
I have 14... |
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| When paying off a credit card, is it better to close out the account or keep it open? |
| I got a loan to pay off all my debt and am not planning on using any of the cards ever again. Which looks worse on my credit: keeping the cards open but not using them, or closing them out ... |
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 What happens to an existing car loan if I were to buy another car? |
| I bought a car in 2003 and owe about $8000 on it but am thinking of buying a new one. What will happen to my existing loan if I were to buy a new car? I would still owe that right? Would they just ... |
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MMM | Can an employer check your credit without prior approval? Can they base decisions based on someone's credit? |
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mJc
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Yes. |
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kmcpmgoodson
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Not without prior approval, but most applications include a statement that credit may be checked. They can base hiring decisions on credit information. Most people would argue that your credit score reflects upon how dependable you are. |
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wizjp
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Usually part of a background check and of course they can base a hiring decision on a bad credit history for a lot of jobs. |
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V(^_^')V
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they can't check without your approval. and yes, they can based their decision on your credit. |
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Elana
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They can certainly base decisions on someone's credit.
And yes, they could check your credit rating IF THEY COULD USE YOUR SOCIAL SECURITY NUMBER. They have it, but they cannot legally use it for anything other than communication with the feds regarding your payroll or in communication with insurance agencies.
So, although unless you gave them explicit permission to use your social security number for a credit check, they don't have enough information to perform the check.
Short answer: No, not without your approval. |
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holendahead
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In the US they must obtain a credit check permission of some form prior to running a credit check. These can sometimes be hidden in background check forms as well as a stand alone forms. They can base decisions on information they collect. The reasoning is usually based not on bad decision but allowing them to see what pressures you are under. If your a bank would you want your Teller to be severely in dept therefore tempted? |
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spawnsmama
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Yes, employment and housing decisions can be based on credit in most states. Any company that checks credit has you check a box ok'ing it on the application for employment. Usually it is called "consumer reports" when you are told to check it as yes or no. |
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Elizabeth (the jewish princess)
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oh yes they can, i was working at a car dealership in chicago and the manager told me she would'nt hire my friend due to the fact she had bad credit like to high visa bill's etc,,,,but i do believe she did not ask her approval, it probably made it easier because where we worked we had the means to pull up anyones credit at anytime, pretty sneaky huh? i think it's a total bull s--t but there getting away with to much obviously we need a job if we are going to be able to pay are bill, thus, not having bad credit right? |
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baserunner316
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they can but they shouldn't since a person's credit history is no bearing on how they are able to do a job. what if someone got laid off and got behind in bills and their unemployment ran out? you also see employers doing this more in the finance industries. |
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JOSETTE C
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In order for any employer to run your credit they have to have your permission first. When you started if you signed any paperwork which stated they have a right to run your credit and a background you have given them permission. And yes they can base your employment on your credit ! Some cases Bank credit unions etc have to be able to bond the person for any position bonds are based on credit and background! |
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telluwat
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well there is the freedom of information you can call for complete details on that.
but I don't think they can see your credit without your authorization. but they may be able to decide your job on it, if it calls for that. |
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m_c_m_a_n
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The average employer does not check credit unless it is directly related to the job you are applying for.
It should have appeared on the application or they should have told you prior to checking. |
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9ergal
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Yes, they very well can. Most often now days, an employer will have you sign a sheet, and take the drug test etc. In that set of papers, if not the paper you signed for the drug test, will be a part to check your credit. I'm a Finance Director for a
large Auto Dealerships. They just don't want the problems, with people owing a lot of debt, "that are way behind, and don't pay their bills!" I was told that, per the man that just hired me, last week! I left Honda after 16 years! I can understand, if that person will be dealing with money etc. However, there are so many people suffering out there right now, I don't feel that should be a basis for them hiring you or not!! It's wrong !! I feel. If they like you, you fit the job, they should hire you! They also do a criminal background. Oh Yes, that is also, in the papers you sign with the drug test. They will then know your clean, and have no criminal record as well. Including speeding tickets etc. If your behind in bills, that should not hold up a respectable place of Business from hiring a person. You may want to tell them, if you have a few problems, and let them know, up front. That never hurts, as honesty is the best policy. Most people will understand, that a lot of people have fallen on hard times, and will give you a chance. Good Luck to You!! |
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Dee
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An employer can not check your credit without your consent. You have to fill out a pre authorization consent form before because the credit bureau will ask for those forms when it is for employment purposes. Unfortunately an employer can base their hiring decisions on someone's credit (it is unfair) especially if you are working at a bank or working with cash. good luck! |
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Purple Rayne
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it depends on the company your going to work for. they usually tell you somewhere on the application that they verify credit history. for example, if your getting a job where handling a lot of cash is involved, i suppose they do this to check peoples credibility some how (as if bad things don't happen unexpectedly to responsible people sometimes) |
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