 If someone got a hold of my credit card number? |
Realistically, what could they do with it?
My Wife freaks out when i throw out old receipts with our credit card number on them, but I tell her they would need our full name and exp date ... |
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 How does knowing your credit score save you money? |
| Your credit score is your credit score. There is very little you can do about it or with it. It is like your age or I.Q. How will knowing what it is help you?... |
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 Can I remove a late mortgage payment from my credit report? |
| Is this possible? There are companies that say they can. Is that true?... |
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 Good first credit card? |
Apart from capital one, which i already have, whats a good first does anyone know of a good first credit card for building credit?
(I don't have bad credit, just limited and am trying ... |
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 I Owe $8000 on My Discover Card....Can i negotiate with them to pay half? |
| I been paying $224 a month never missed a payment, But i am losing hours at work, and owe on to many things...Is it possible to pay just half of the $8000 say like $4000 and if so how can i do this..... |
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 Can I solve a debt problem before going to court? |
| After my divorce I ended up with almost all the bills. Some of these ended in collection; now I received a letter stating that I will get sued. I called the agency and told them that I want to start ... |
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| Whats the fastest way to build credit? |
| Whats the fastest way to build credit? I have no damn credit history. What should I do? what credit cards are easier to get? have long will it take before I get my own credit card? any tips? ' 5 ... |
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 Is it best to ring debt collector companies? |
| When it isnt your debt.I keep getting debt collector letters sent to my address,they are not for me,its not even for a previous tenant and I have lived at my address for 4 years.after the first ... |
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 I have some old debt on my credit should I ...........?? |
| just let the 7 year period run out on them since they're so old or what? I don't use any of my credit anyway as I pay cash for everything and my husband's credit is excellent. So we ... |
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 Fired from credit union, bad credit? |
| Okay i accidentlaly gave away 3000 dollars and got fired from a credit union - it was a complete accident but im trying to get a job at flagstar and not only did that happen but i have poor credit. W... |
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 How will this work? |
| My husband and I are considering bankruptcy. We have about 50,000 in debt and he recently lost his job through no fault of his own. We want to keep our vehicles that have financing out there as ... |
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 Bad credit home loan? |
| My husband and I have bad credit well I should say I have bad credit he really has no credit, we thought we had a loan even had the house appraised and a closing date a day before the closing the ... |
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 Debit card payments? |
| is there a time limit of which a company can take money from your account when you have paid by debit card - i.e you pay for something but they dont take the payment out until 5 months later!... |
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 Is it a good idea to get an unecured loan to pay off credit cards? |
| So I've got some credit card debt - not a lot, but enough that I want to pay it off ASAP. Is it better to get a lower-interest unsecured loan to pay off my higher interest cards? What does doing ... |
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 Collection Agency Phone Disconnected? |
| I have a medical collections account from 2002. Today I tried to call the collection agency to set up a pay for deletion agreement. The phone number is disconnected. I tried to google the company but ... |
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 Question about overdraft fees on checking account? Please help answer? |
| I was told that I didn't have enough money in my checking account by my bank, but before I knew this, I used my card to purchase things. I looked at my statment, and I spent 4 dollars on ... |
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thomas b | Does a creditor have to contact you before they place your account on your credit report? |
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Landlord
 |
No, some people make it hard to make contact, so it can not be required. |
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Ron Akia
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At the time you opened an account with the creditor you gave them permission to do so. It was in the fine print that no one reads.
As a result if you're behind and late in payments the information goes to the credit bureau without any further contact with you. |
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webcrafter
 |
No. Your credit report(s) show a 30/90/120 and beyond 120 days late column. Each creditor submits based on their company guidelines, but late payments are reported and the client is not notified - besides, you already know if you make a late payment.
For more info on credit ratings and how they are handled, check out this link: http://en.wikipedia.org/wiki/Credit_report
You will get info on the following (and more):
1 How credit rating is determined
2 Understanding credit reports and scores
3 International issues
4 Adverse Credit
5 Consequences
6 More than One Credit History Per Person
7 Credit Bureaus
8 References |
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stephenweinstein
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no |
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Ted
 |
Don't you remember? They did ask you and you gave them permission (in the application). |
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Sharon T
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No. You gave them that power when you applied for the credit account. |
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cmatthaios
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No generally they let one month, or two (depending your credit status) go, and then can report the number of months missed |
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DAS
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Technically no, but basically by law they already have, and many, many times before the even attempt to place your account on the credit report they have made numerous attempts. They have sent you many letters saying your account is late, and please resolve this before they go to collections etc.. Often times we don't take it serious, or see the severity of not taking care of this matter immediately, before it to late. And by too late, I mean (after all of there attempts) your account is now on your credit report. All of this information is in the application when you applied for an account. And most if not all people know that, if you are delinquent/late for 30/60/90 your account will placed in a negative manner on the credit report. Just the fact that it hits there, means that this information stays on your report for (7) years. So, now you have the burden of trying to retify your wrong, and now trying to rebuild your credit, essentially minimizing the negatives and maximizing the positives. Simply speaking, you need to out weight the bad items on the report, by doing better, and that will take time. |
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SlimMick
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No.. |
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