 How do I improve my credit score? |
I just checked my credit score - it is (embarrassingly) in the high 500s. Yes, it sucks.
There's nothing really terrible on my credit report - no bankruptcy, no collections. I was ... |
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 What kind of intrest rate can you get with a credit score of 800? |
| I am wanting to get a car and have a credit score of 800. What kind of APR should I expect at the dealership? ... |
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 Home mortgage questions? |
| i am a first time home buyer with fair credit due to high credit but have made my payments on time for 5 years.my question is are there any programs(lenders) out there that would give additional ... |
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 What are my chances on a car loan? |
| I'm 18. I've had a VISA credit card from my State Farm Insurance, I got without a co-signer, for 6 months and have been paying it not only every month, but every 2 weeks(I pay half of the ... |
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 I paid an upfront fee for richards_loan_agency , he turned out to be a scam artist, how do I report him? |
I did a stupid thing. I noticed loads of people on yahoo answers recommened richards_loan_agency and said they got a loan of him.
I conacted him and he said he wanted £80 upfront for non ... |
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 I wanna see my loan statement .i mean how much left to pay back? |
| i 've taken a loan 5 years ego and i wanna know how much left to ... |
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 I have no credit and would like my first credit card. What card should I get? |
| I would like the credit card to approve a few thousand dollars or at least one thousand so I can buy a laptop.... |
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 Paid off a delinquent credit card that had gone to collections...? |
They said it would be marked as "paid" but once I agreed to their payment plan, they said it would be marked as "settled."
I did settle for half of what they claim I owed.
... |
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 Does Bank of America have a right to close my credit card without a notice? |
It was my first credit card, and they closed it due to inactivity. Now my credit score will fall because of it. Is it legal to do? The card was in good standing.
Additional Details
They ... |
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 I have taken bank loan on car.i am unable to pay instalment.wat will happen? |
there wore 48 instalments ipaid 20.my son given car to his friend, he is not paying
Additional Details
i have taken loan in ... |
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 Let's say i'm negative in my account...i know i cant use debit...can i still use the credit on my card? |
| i have to pay for some important things...my debit card has debit and credit...can i still use credit even though im negative?... |
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 If I cancel/close my credit card...? |
| I have a couple hundred in my balance on my MasterCard. Can I close it? I mean, I don't want to use this card anymore for other purchases, but even after I close it, I'll pay it off. I just ... |
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 I need Help choosing a credit card!!!? |
| at work i got offered a 7.99% fixed apr on a discover card should i take it or leave ... |
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 So how will everyone be spending their checks? |
How will you guys be spending your rebate checks from the government? Paying off debt? Shopping? Saving?
Additional Details
Oh debt! oh debt! how we love our debts!!... |
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Miss T | Do you think it is necessary to view ones credit information when applying for job? |
In my opinion it is not. I don't have horrifying credit but I have a few items on my credit report. I think it is unfair because they could turn down a very qualified candidate because of financial reasons. Do they ever think if this person gets a good job they could repair their credit. |
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stuckinamoment
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I've wondered about this myself. I thought it had to do with money - being around or working with money. Maybe they think if you are a record-keeper or even a cashier, that you can't be trusted with money because people with money problems are more apt to steal? Not necessarily, but that was what I always thought.
I worked for the FBI years ago, and we had to report ANY credit problems to one of the agents. Even if you were late on your electric bill for one month, you had to tell them. A bit ridiculous, in my opinion. |
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Bat Thumb
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Thre are several (good) reasons why an employer would check your credit. Bad credit might show you're not a responsible person, or that you might be in a financial bind (especially if you're applying for a job that requires handling money). |
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mkulda
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It is VERY, VERY important for employers to check a credit rating of potential employees.
What if a person were hired by a bank and their job was to look over bank accounts, including yours?
But what if that person had filed three bankruptcies already in the last 20 years and was in possible financial trouble again?
Knowing that it is very easy for a person in that job to take advantage of the account information to use it for fraudulent purposes, would you want that person having access to your financial information?
If you were a customer or stock holder in that bank, wouldn't you want that company to fully scrutinize all employees like that so that the bank didn't lose any money to fraud or big lawsuits from customers who were ripped off.
If a bank lost a lot of money to a fraudster who could have been detected using a credit report, a crafy plaintiff's attorney would sue the bejeezus out of the bank on behalf of the customers (if the customers suffered a harm because of it). |
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SPLATT
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For some positions it makes sense.
I wouldn't hire a bank teller unless he/she could pass not only a credit check, but a police background check and get bonded. |
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t r
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I think it is fair if you will be dealing directly with money and information such as accounts..besides that then no.. |
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Life after 45
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I don't think they really care too much about your debt, unless you are totally buried? I think they are looking for address history, and time-lines in general, I could be wrong. |
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lee_lee_w2000
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It depends. If the job deals with money than yes (for example banking). Your credit sore can tell a lot about you, like if you are you reliable. When you have a credit card and you it you make an agreement with the company that you will pay them their money. If you don't pay your bills this could be a sign that your prioritizes may not be where they should be, or that you are not trustworthy. |
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Billy T
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any reputable employer will not ask for that information |
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Pantherempress
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No it isn't |
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storyteller
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Yes because it gives the employer a picture of how seriously a person takes his or her responsibilities |
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