 How quickly can a credit score go from 400 to 700? |
| lets say i start making regular payments on a condo.. car.. credit cards... phone bill.. electric bill.. cable.. car insurance.. over a 6 month period of time... would it go up 200 points?... |
|
 Close Accounts? |
Hi, I have the following accounts:
Mastercard- $0 balance/ limit $700 opened 8/1/05
Cap 1 Visa- $0 balance/ $500 Limit opened 11/1/06
Dell Acct- $0 balance/ $2000 Limit opened 10/1/06<... |
|
 If credit card debt comes off of your credit report in 7 years anyway why should i try to pay it? |
| I am in debt from when I was on maternity leave and I did not have a paycheck for 6 weeks. I am still having money problems and I can't pay the credit comp. all of the money they want, most won&#... |
|
 Advice for Cleaning up Bad Credit? |
| Hi, I have pretty bad credit and want to clean it up but dont know where to begin (besides obviously paying off debts etc.). Is there a good online service that can provide you guidance on what steps ... |
|
 I have not been able to check my credit report Is this mean im doing good? |
| So i havent checked my credit report or nothing since i turned 18 in May of 2007..(DUH) and I got approved for a Chase Freedom awhile back and today got approved for a Capital One card does that ... |
|
 Credit card question? |
| If I have a balance of $351 on a credit card and the interest rate is 29.99 % APR how much will it take me to pay it off if the min. payment right now is $50. Also, How much money will I lose by not ... |
|
 Who can I contact in regards to a law firm harrassing me about a credit card account I have no knowledge of? |
| I have been contacted by a law firm who is threatening to sue. They only have my name. No phone number (They called my parents?), no address, NO SOCIAL SECURITY NUMBER, nothing on any of my credit ... |
|
 How can I up my credit score 10 points - FAST!? |
| Im trying to get a mortgage, and FHA loan and my credit score is on 570. I need a 580 score to qualify. I have opened to credit cards and have been paying them on time, they have helped my score a ... |
|
 Should I pay off old debts to improve credit? |
I have a few negative credit marks on my report.
I was wondering if I should pay off debts that are only like 2 years old because I am wanting to finance a car and eventually a home...
I ... |
|
 Where can you get a FREE credit report? |
Now, I'm not talking about a website where you are ultimately charged for some sort of package or program -- JUST the credit report itself.
Help?... |
|
 How to Cash My Check? |
HAPPY CHANUKAH!
so I recieved a check for my chanukah from my uncle, how do i cash it? I mean I do not have a bank account at all and I am not going to get one either so how do i cash a check?<... |
|
 I need some extra cash? |
| I work full time but really need some extra cash I would be willing to work from 6pm - 11pm most nights and also weekends. What type of job could I find that would fit in with those hours also any ... |
|
 Bad Credit At 18..but before I was legal.It Wasn't' Me.Help Me? |
| I have just recently turned 18 years old last month.I applied for a credit card but was denied. So I decided to check my credit report.Anyway,I discovered that things such as credit cards were taken ... |
|
 Have you ever been in over $50K of debt, & eventually got out of it? Is it possible? |
I'm talking about credit cards, student loans, lines of credit, financing cars, homes, etc.
How did you do it? I know you had to work, but did you have to work enough to be ... |
|
 Extremely bad situation need credit advice? |
| I got my first credit card when I was 18 thinking I was cool now 23. Now I have 6 in total credits cards all maxed out about 7000 in debt in all 6 not to mention almost all are written off since I ... |
|
| Will they catch me if I...? |
| order a magazine in someone else's name with payment option of "Bill Me Later"... |
|
 21 and need help badly with credit repair.? |
| I am 21 and have a 550 credit score. I am buying a new truck in a week or two. I got an interest rate on 24000 of 23% I have had my credit reprt for about a month. I have about 10000 in debt some ... |
|
|  |
Carlos A | Can anybody tell me how can i find out what is affecting my credit record? |
I have recieve just denials from the creditors I apply. They say that I have a Collection, to which I honestly ignore what could it be, since I make all my payments on time.
Can i avoid paying from getting a credit report from the bereau online? |
 |
 
akamoonpie
 |
www.freecreditreport.com
Can get it once a year and see whats on there |
|
kiran
|
xtra expenses |
|
Gypsy
 |
You are allowed 1 free credit report from each of the 3 major agencies each year. Transunion, Experian and Equifax. Order your reports online directly at each site. There may be mistakes on your report or who knows what. Check it out. |
|
Janette L
|
Whenever you are denied credit, you are entitled to a free credit report within 60 days of that denial.
You have the right to dispute ANY incorrect information with the credit bureaus.
You are also entitled to one free credit report per year:
annualcreditreport.com
There is some fantastic information on the internet, do a search on credit information. My favorite is creditinfocenter.com
You can go directly to the credit bureau's websites to order your credit report.
http://www.experian.com
http://www.equifax.com
https://www.transunion.com
Or order by phone:
Equifax 1-800-685-1111
TransUnion - 800-916-8800
Experian - 888-397-3742
Beware of companies offering a free credit report, it often requires a membership that can be as much as $50 monthly.
It is really important that your credit reports are reviewed annually, so that any errors can be corrected before you need to apply for a loan. |
|
skigod377
|
Every time you are denied credit, you are entitled to a free credit report. The instructions on how to get one are on the letter. If they are not there, you can go to www.creditexpert.com and get one there. |
|
Sleepyguy
|
maybe you have to many credit cards |
|
scifidiva
|
First of all freecreditreport.com is NOT FREE. In order to get those reports you have to sign up for a credit monitoring program that will cost you anywhere from 90 -200 per year !!
You are legally entitled to 1 free report per year from each of the 3 credit bureaus as per FACTA. You can get your TOTALLY FREE reports by going to http://www.annualcreditreport.com .
If you have a collection it will show up. You would then dispute that collection with the credit bureaus and wait for the CRA to investigate your dispute. If it comes back as 'verified' or 'remains', then you will have to dispute a 2nd time directly with the collection agency.
You should pull your reports at LEAST once a year, twice a year is even better. In this day of massive identity theft, you cannot take the chance of ignoring your credit reports. |
|
pacific_opal
|
you can contact directly any of the 3 businesses that handle credit reports in the USA and they will tell you what information to send to them in writing for a copy of your report. they may charge a fee for this service I don't know for sure as I am not an American.
The three are Experian, Equifax, and Trans Union. All have 1-800 numbers available I was not able to easily see the one for experian so their website if you want to look further is www.experian.com Equifax 1-800-685-1111 and trans union is (800) 888-4213.
I also found this info on the trans unions site which you might find useful.
You are entitled to one free Personal Credit Report in a 12-month period under the FACT Act amendments to the Fair Credit Reporting Act. To request this free annual report, you may contact the Central Source online at www.annualcreditreport.com
good luck! |
|
A B
|
you can get your credit report for free, if you go to www.freecreditreport.com you can get a report for free or wait for your denial letters to come in the mail and once you see which company they use you can call or go online to that credit agency and get a free report, and once you have it look for the Collection Agency/account on your record and contact them to see if you can make payments or pay the past due bill in full once you have done this wait about 6 weeks and apply for credit. Or if you are one of the lucky people and the bill is already paid and you have a receipt from the company contact the agency and let them know of the mistake, then write a letter to the credit agencies sending a copy of the receipt as proof of payment and ask them to take the Collection Agency off your report. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 8 minutes(s) ago
| | | |
8 | 9 minutes(s) ago
| | | |
9 | 31 minutes(s) ago
| | | |
9 | 57 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
9 | 4 hour(s) ago
| | | |
9 | 7 hour(s) ago
| | | |
9 | 11 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
8 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
