 Should I pay this credit card charge? |
| One of my relatives who was living with us recently left the U.S. and went back to his country. I don't think he will ever return. But his credit card bills still arrive at my house. He is being ... |
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 Can i write a check on an overdrafted bank account? |
| if my bank account is overdrawn and i want to write a check to pay for something, will the store be able to run the check through?... |
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 Eviction serious answers only? |
| I am currently in housing court , in an eviction process. I have tried everything under the sun to try and get the money to pay arrears but have had no luck and i am going to be evicted out of my ... |
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 How can a $3,000 credit card become a $13,000 law suit? |
| My boss had a credit card 4 years ago for $3,000 he didn't pay. Now he has a civil suit against him for $13,554.37- is it legal to do this? Isn't there some cap on how much interest they ... |
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 Death and debt? |
| My mother passed away and left behind a 16,000 credit card debt. Who is responsible for paying this debt? Does it die as well. My mother was a house wife...my father works out of the country and ... |
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 What bank in the United States allows a 16 year-old to get a visa check card or similar? |
| I want to get a Visa check card, but all of the banks I have called have said "Come back when your 18". This is extremely frustrating. Do you know of any banks that let you have one while ... |
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 Can a collection agency or law firm attempting to collect a debt harrass family members? |
| A collection agency and a law firm continually contact my parents (with whom I havent lived for over 20 years). Their phone number is unlisted. My father has even been cursed at. Is this legal?... |
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 What does Cash on demand mean? |
| I have a credit card and it says that it has cash on demand. What does that mean?! Thank you in advance........ |
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 Should I pay debt collection or ignore? |
| I had a cell phone a couple years back that ended up going WAY over my plan minutes due to work use. Work agreed to pay their share, then bailed. The cell company cut off the phone and wanted the ... |
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 Will this affect my credit? |
| My dentist thinks I owe him $100. I disagree. If he reports to a collection agency, will that severely harm my credit even though I don't think it's my fault?... |
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| I've been subpoenaed for $2000 credit card debt, what's the recourse if I don't go? |
| About 12 years ago, I had 10 credit cards. Through various debt consolidation agencies and extra cash, I paid off most of them. 3 of them I left flapping in the wind because those particular ... |
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 Capital one taking legal action? |
I owe capital one 3000 and somehow now its 4000
a bill collector called me and said that i need to pay that amount or their going to sew me. I told him I cant pay all that amount but that Im ... |
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 Whay would you do if you were fired for reporting bank fraud?move on? persue wrongfull termination??????????? |
| worked as gsm at a car dealer in fl. i am also on probation till my sentecing wich is going to be a dropped felony.it had to due with a bad addiction wich i am getting thru .i also diclosed this to ... |
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 Does filing bankruptcy or having your house foreclosed on affect your current credit cards that u have? |
| If I file bankruptcy or let my home be foreclosed will that affect my current credit card interest rates? Im in great standing with my credit cards. After the foreclosure happens can the credit card ... |
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 If i get approve for a credit card will that bring down my credit score? |
| I been thinking of getting a credit card but i wanna know if i get approve for a credit card will that still bring down my credit score.... |
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 Ok here's my situation..just looking for opinions.I am over $9,000 in debt with credit cards...? |
| i also pay a gas bill,electric bill,internet and cable bill and cell phone bill.I am wayyy overdue on doctor and hospital bills also.I have a 7 month old and cannot afford a baby sitter so I only ... |
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 Can my daughter ruin my credit? She is 20.? |
My daughter just did a very, very stupid thing. She cosigned for a loan with her boyfriend. A 10,000 dollar loan, for a car, no less. (She drives a $500 Camry)
I pay for her insurance, ... |
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admsf | Does anyone know how to get your credit scores without lowering your credit scores? |
I'm trying to get a loan and everyone wants to run a credit check which I have always heard will lower my credit score. Is that true and if so is there a way to check my credit without lowering my score? |
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Mel
|
Hi there, there is this website that doesn't hurt it all. I work as a processor for a bank. Trust me I know.
www.privacyguard.com
It's only $1.00 to pull your credit!
Good Luck! =) |
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nwftbl25
 |
It is true, however it is usually five-six hits over the course of 2-3 months that affects the score. Have one person pull your credit and once you hear what they have to say let everyone else who is competing for your loan know what info is on there. Do not authorize them to pull it. Also, if you pull the report yourself it does not affect your score, but most companies want to pull their own score. |
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Joe
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go to www.adviceontime.com and click on their credit talk. they have a really good article on how to improve your credit rating without damaging it. hope it helps you |
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Kitty
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If you have a bunch of credit checks, it will show up on your report - I don't think it lowers your score. I would just apply for one loan, the one you most want, to see how you score. Or I think you can contact the credit agencies directly to get a copy of your credit report. |
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wildflower
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it is true. too many inquiries will affect your credit, especially if they run it too many times within a month. u can make copies of your credit report and provide that to them. that way they dont have to run it... |
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neal_37207
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you can get your credit report free at www.annual credit report.com. Yes it does affect your credit when people pull your credit report too much. |
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Laurellamags
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it only lowers 3 points I believe, but getting that loan will add more debt, which will also lower your score. To bring it up, you'd have to pay more than the minimum on every account you have, maybe 1 day before the due date, and one day after the due date. |
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William S
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There are two types of pulls: hard and soft. Hard pulls affect your credit (although not a great deal); soft pulls do not. When you pull your own credit, that's a soft pull, while creditors will usually do a hard pull when deciding whether to extend your credit.
You might pull your credit yourself, shop it around, and find a creditor who will extend credit based on that number (after verifying it, of course), then you might be able to avoid lots of hard pulls. |
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richkvegas
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You can get your credit reports for free once a year at annualcreditreport.com. You will have to pay if you want to see you FICO score, usually less than $10. But it will not effect your score in any way. |
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