 I have an old collection account on my credit report. That was paid.. But thats not whats on my report.? |
| I have an old collection account from 2004. I have called the collection company and they said that it was also paid. They have told me to have the bureau contact them to verify. NOW if I do that ... |
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 Credit card payment? |
| Quick question that has me confused. Let's say my credit card payment isn't due until April 12th, and I pay on the 29th of March... would my payment apply for the month of April? Or would ... |
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| A lawyers office calling for my brother asking for a debt. harassment? |
| Hello, My brother moved out about 3 months ago. I get these phone called evey day asking for him and i tell them he dose not live here anymore, stop calling here. I did stop for about 2 weeks, then ... |
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 Is it better or worse to apply for a car loan with a co-signer? |
| I am about to apply for a car loan via the Internet, and even though my credit is not so good, my cash is! So anyhow I was wondering if applying with a cosigner has a more positive affect than ... |
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 Credit cards? |
| I would like to transfer balances to one card Iwould like to have only one pament a month to worry about. Pros- Cons?... |
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 Is it easier to get a home loan with bad credit if you have 20% to put down? |
I own a home now, but want to move. My credit has gotten bad since my last home loan. I would have at least 20% to put down on a new loan, do you think I could find someone who would finance me?
... |
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 Credit issue? I am doing the best I can...trying to pay off credit cards, bills, etc. Its not enough...Help? |
| Been through a lot of Financial problems...divorce...ex not paying support and medical bills on time...credit was fine before and am responsible ....now struggling to even live...I pay as much as I ... |
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 Want to start building some good credit.? |
| What are some good credit cards for people wit no credit? and want to establish some credit.... |
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 Did they just ruin my credit rating? |
I only had a credit card for about two months. I've been using it very responisibly, trying to build a good credit score.
Two weeks ago, I went out and bought a new used car, with my ... |
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 Question about ordering online? |
| i was just wondering how safe it is to order online. i'm kind of paranoid about giving my personal info such as credit cards and what not , are there any other ways i can do this? unfortunately ... |
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 Would canceling my credit card be wise if....? |
| I still have a balance on it. I've learned the hard way that credit cards aren't very nice. I want to pay it off as soon as I can but would canceling them now before the balance is paid off ... |
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 How can I...(credit card/debit card question) |
| How can I resive instant payments on my debit card, for someone else credit or debit card for my online bizz without pay pal?... |
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| Morrisons Receipt...? |
| Hi I stayed at a hotel last night, and I accidently left a till receipt in the hotel room & checked out. The room wasnt booked in my name. The receipt had my card number as I made some ... |
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 Why do people charge up more credit card debit than they can pay? |
Not people who get in a bind and have to use credit to survive for a while, but people who just buy material stuff that they really don't need.
Additional Details
I don't do ... |
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 Does credit denial cause your score to drop? |
| I was needing to know if you apply for a credit card and you're denined, does that make your credit score drop. And if it does how many points will it drop?... |
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| How does a 28yr old with no credit history start establishing a credit history. Applied for 2 cards & denied!? |
| Applied for two low end cards and was denied. Will someone give me a chance? Don't really want to get a "secured" card.... |
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vcundari | Does it affect one's credit if you inquire or apply for your own credit score? |
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 |
 
CactusFlower
|
Thankfully no. Pulling your own credit report or score doesn't lower your score at all. It's when you request others (lenders, CC companies etc) to do it. Hope that helps :-)
In fact you should pull your own credit reports from all 3 bureaus at the very least, annually (once a year).
I alternate bureaus about every 4 months that way I get all 3 in a year's time. Most of what I'm checking for are things on there, that are not mine or reported incorrectly.
By the way, to correct some of the users on here, there is no way I know of to get a free Credit (FICO) SCORE.
Yes...you can get the annual credit report each year ...thanks to Federal Law.. but it doesn't give you the FICO score (you must pay for that). |
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Ted
 |
No, it does not. In fact, it's a good idea to get a credit report each year.
However, it may affect your credit if someone else checks your credit. |
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randita22
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it won't if you just want to look at your credit score. any loan or inquire by a company will affect it. |
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Blessed
 |
It is not supposed to. |
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Lianne
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No, these are considered soft inquires and do not affect your credit score. http://creditwisdom.blogspot.com/2006/09/fico-breakdown-how-your-credit-score.html at this link you will find information on how your credit score is calculated. You are encouraged to check your credit report regularly to make sure there are no errors or unauthorized activities. |
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shhbanvar
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it does, but not much.
--------------------------------------...
http://www.bestcreditrates.net |
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deby k
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no, its free in a lot of states. |
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kthor
 |
Free Credit Score and Report :
http://deal-save-online.com/credit-reports.html
it should affect you if you check yourself..but would affect you if you applied for car loans, credit cards too many times |
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barefoot_yank
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The more times you check your credit rating, the worse it gets. |
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