 Does any one know anything about dave james loan lending firm from nigeria? |
| they offered to lend me money but i have to pay a transfer fee has any one used the.... |
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 Does your credit rating go up if you buy a car with cash? |
| I want to buy a new car because I want to boost up my credit rating so I can get a house later in life. Now I have enough money to purchase a decent car with cash. Will this affect my credit rating? M... |
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 Pay off debt all at once or little by little? |
| If I pay off my debt with a loan and pay under $100 a month, is that better than not taking out a loan and paying about the same per month and not being done paying it all off till about a year from ... |
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 How can I accept credit card payment from someone? |
| I have some things for sale and the guy wanting to buy them lives 500 miles away and wants to pay by credit card. Is there any way to receive his payment?... |
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 Getting my first credit card? |
| So im looking at getting my first credit card and its through CHASE. They sent me a letter asking me to send a copy of my Social Security Card & Drivers License....is this normal? If so how long ... |
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 Too much credit debt ... Should I use a credit repair service? |
| My CC debt is very high (>$30K), and the payments are getting too high. I have a great credit rating, but I can't keep up with high payments for the next 20 yrs. Should I use a credit ... |
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| What if I got a credit card over 1 year ago, have since moved, and don't know where the card is? |
| and don't know how to contact them for a change of address. I already checked my credit report, but don't know how to contact them. will the card eventually expire? What if they send the ... |
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 How to build credit? multiple cards? |
| Does having multiple credit cards help get you more credit? I have a college visa card, and I use it very often, but a friend told me I should use multiple credit cards to build more credit.... |
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 IF I was taken to the hospital while I was in High School but 18 years old. Who is responsible for the bill? |
| I have a collection from that time. Can the collection agency ruin my credit for that? Whos resposable for the bill, me or my parents?... |
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 What is a debit card, and how do you use it? |
| I also want to know how to use it online.... |
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 My bad credit accounts are all over 7 years old & are still on my credit - how can I get them off without? |
| how can I get these off my credit without starting the Statue of Limitiations starting all over again once I contact the companies. By the way - these companies have all sold them and beefed up the ... |
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 How can you get credit if you don't have any credit history on your credit report? |
| I have applied for a couple of small lines of credit... ex. Target card.... and they sent me a letter that says insuffient credit history... how do I get credit if no one will give me any???? I'... |
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 Do these credit repair companies really work in the uk has anyone had good experience? |
| i have had bad credit in the past and have being paying off most of my debts i am finally getting my head above water but everything i apply for even a switch card is being refused help needed! ... |
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 Square One Debt Settlement - I'm ready to get rid of my high cc's. This company contacted me and sounds good. ? |
| I open my own acct in my bank giving me control; pay them 15% the first 6 mo; next yr 60% I get paid/40% they get paid; next yr I'm fully investing into my acct for them to begin negociating. P... |
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 Any ideas on how to establish credit? |
| I am needing to establish some credit. My house and bills are all in my father's name being I have no credit. I want that to change. But first I know I need to establish some credit. What are ... |
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 Should i be co-applicant on a car loan with my cousin? |
| my cousin has a really bad credit score and he can`t get a loan for a car. he asked me to be a co-applicant . i want to make sure im not making mistake and not screwing my credit or myself.... |
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 How am I suppose to check my credit score? I've been to.....? |
| freecreditreport.com, truecreditreport.com, annualreport.com and they are ALL USELESS!. All they do is collect your info and thats it nothing else. They say nothing about what my score whether its 600... |
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calimac692003 | Does asking for a copy of your credit report affect your FICO score? |
I would like to request a copy of my credit report from one of the credit reporting companys to see my score. Does it affect my credit the same as it would if a lendor ran a credit check? |
 |
 
personalfinancedaily
|
No. Only multiple applications for a credit line in a short time will affect your score.
While it is true that you are entitled to one free credit report from each of the 3 bureaus (Trans Union, Equifax, Experian) every 12 months, your credit report does not list your credit SCORE.
To obtain your score, you will be required to pay a small fee (usually less than $10). Be advised that credit scores are not fixed and change fairly regularly depending on how much you use and pay off credit like cards and/or loans. It is worth the price to determine if you haven't checked your score in the last year. |
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Wayne Z
 |
No. |
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Randall F
|
Absolutely not |
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jynxx25
|
If you go through one of the three reporting credit agencies, it will not negatively affect your FICO score. However, if you go through a broker, bank, or any other financial institution then it is an inquiry. However, having one or two inquiries most likely will not lower your score. Excessive inquires can lower your credit score.
The earlier comment of that you receive one per year is in reference to a free credit report. However, these free reports do not show your credit scores. |
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helblindison
|
nope. |
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Sir J
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No.
You can get all three free (once a year) at
www.annualcreditreport.com |
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topguntony
 |
You are intitled to one per year. |
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PAOLO
 |
No, absolutely not. You are allowed 1 per year.
Typically, this is used as a "scare-tactic" to ensure that you don't go to another vendor.
Go online, they have numerous sites that offer free credit reports. |
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Shadow
|
no. do it online its free |
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