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 Is it better to negotiate charge off amounts with creditors or pay in full?
should i negotiate a discount? or pay in full? whats better for my credit report/ does it matteR?...


 Is it legal/ethical for a lender to report your acc't to a credit bureau as charged off, then demand payment?
...


 If you cancel a direct debit theday before its due can they still take it?
having prob with company so cancaled dd but its due 2...


 How could i get a 70 to 80 thousand loan to consolidate all my debts (cars and credit cards) for one payment?
...


 I want to improve my credit but all my debt is at least 3 years old and all in collections. What to do?
My credit score is currently 570 and I want to improve it but because my debt is all in collections and they are all at least 3 years old I don't know what to do....


 Credit card problems?
i tried to order something through Paypal (which i do all the time), but the transaction didn't go through and it said that my card was denied by my credit card issuer. I didn't cancel my ...


 Do credit cards charge you for the annual fee if you don't use your credit card?
...


 Is there a way to get your money from someone who borrowed your credit card?
I let my friend use my credit card to charge something, he said he was going to pay it right back in a couple of days, or he could put the limit right back on my Visa with his Visa. But since I let ...


 I have a 1 year old debt, does credit get worse the longer I don't pay?
I'm currently 20 and about a year ago had to visit the hospital due to an ear problem. The bill is approx 2,500 and I have yet to pay it. I have no other form of credit history that I am aware ...


 Which is the best credit card to get??
I dont know much about credit cards...help please. I have the student visa from bank of america but i want another one....


 Credit card?
Is there any problem if we'll not pay the bill of credit card. Or, If we'll go for settlement, they keep the details as defaulter or, wht? plz advice.......


 Can I get a used car loan?
I just turned 18 last week. I have been driving a 1988 Ford Escort for a year and a half. I paid $500 for this car so I am not sure if it is even applicaple for a trade in. I think it is time to ...


 Do negative records really "disappear" from your credit report in 7 years?
I recently viewed my credit report, and a lot of negative/delinquent accounts and records are not on it. So is true what they say about negative items being deleted from one's report after 7 ...


 Personal loan 5,000?
I need a four thousand dollars to pya off my credit card debt becuase I am looking ot buy a house in three years and I would not have gotten rid of my credit car debt by then....


 Would this hurt my credit?
I have perfect credit as of right now I always pay of my credit cards and on time. I got a the cell phone service Altell and didn't really like it to much, so i canceled after a few days, now i ...


 What happens when you don't make ur minimum payments (credit card debt)?
so i'm having a little trouble making the minimum payments right now. In about 2 months, i know i'll be able to make them. But what concerns me is how the credit card companies keep calling ...


 Can i still be eligible for a car loan even my car is under reposession?
our car was repossessed.and we cannot pay for the whole amount.instead of paying it,we are planning to used the money for down payment for a brand new car.can i still be eligible for a car loan?we ...


 Which credit card companies will give credit cards to someone who is a discharged bankrupt?
A friend of mine was made bankrupt a few years ago, but has been discharged for about 18 months or so. So he can try and build his credit up, which credit card companies would allow him to obtain a ...


 At work they want me to do tasks that go against my beliefs.am i being unreasonable by refusing?
i work for a place that distributes loans. i got the job through an agency and was told itd be basic admin work. now they are trying to get us to take applications for loans and take money from ...


 Is it true that when you owed a collection agency you dont need to pay the full amount of the billing?
...



Vianey M
Does anyone know where I can obtain a free credit report, from one of the three main credit bureaus?
Without having to do it online (I don't want to give credit card info).
Main credit bureaus: Experian, Equifax, Trans Union.
                     
 




Jason
www.annualcreditreport.com

or

1-877-322-8228

or by mail:

Annual credit Report Service
PO Box 105283
Atlanta, GA 30348-5283

On line, you will not have to provide a credit card number - it is free. Be sure to go through the above web page, though. You will have to answer some questions about information that is on your credit report to verify your identity: Such as 'Your mortgage payment is ..." and then they will list 4 options and you have to choose the right one.


cherishmoats
Rating
Hi,
I have the toll - free numbers for all three. I have called and received mine from all three , you just have to mention you have been turned down for credit in the past 30 days or however many it states. I am pretty sure its all automated and they dont ask for Credit Card info either.

TransUnion: 1-888-5030045
Equifax: 1-800-685-1111
Experian: 1-888-3973742

Good Luck!


overandout
Rating
Free Credit Report . Com


?
Rating
freecreditreport.com


Frank Castle
Rating
You only get one per year.

annualcreditreport.com

Top 4 Answerer in Business & Finance. (Vote for me)


jenn
Rating
To request your credit report by telephone
Call toll free: 1–877–322–8228

you can get all three for free by calling this number.


Iron Rider
you don't have to give a credit card to get a free credit report, just go to freecreditreport.com


kryzchek
Rating
You're entitled to one free one per year.

https://www.annualcreditreport.com/cra/index.jsp


blb
Rating
You are entitled to one free per year per Bureau. I get one every four months and keep rotating who I am getting it from.


Xochitl
Rating
go to freeannualcreditreport.com you will be able to see all three bureaus and also dispute anything you need to.


rhonda w sf
www.annualcreditreport.com


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