 Credit Card Debt - Need help.? |
I am 22 years old and I can see my self quickly going into debt with two credit cards I have.
1st. I owe $1450, and make payments on time.
2nd. I owe $3559, I am over and the ... |
|
 Mother passed away with lots of credit card debt? |
| my mother passed away with over 50,000 in credit card debt. she has no insurance and no estate. i am getting letters from collectors and letters from places that say they are lawyers but appear to ... |
|
 I need a personal loan. i get paid in cash(no proof of income) but have a high beacon score. anyone help me?? |
you MUST prove income to join prosper folks. well.. for them to loan you money. i need around 7000.00 five will work though.
thanks!
Additional Details
NO PROSPER PEOPLE!!!!!! GEEZ!!... |
|
 I hear horror stories about credit card debt. Should I really go into the credit card thing? |
| I'm 26 and I have no credit history at all. I'm always needing to make a purchase online like air tickets or internet courses. Right now I am not able to get a loan for school, a home, ... |
|
 Best credit card to transfer balances too? |
| I have quite a few store credit cards with high APR's and would like to know the absolute best credit card to transfer my balances to.... |
|
 I have a debt in collections is there a way that I can pay the origanal bill & not have any dealing w/ agency? |
When paying off debts is it possible to pay off the person who the debt is w/ instead of paying the collection agency>?
I have a hospital debt and they gave it to a collection agency. I... |
|
 Sister using us as a co-signer? |
| My sister in law is 19 and going to college. Her Mom is trying to get my husband and I to co-sign a loan for her because the parents and all 3 siblings have bad credit. I asked why they can't ... |
|
 I paid off a Credit card 7 years ago, closing it, now a debt collecotor is calling me on it? What can I do? |
| This has showed up on my credit report for years as paid in full, now the account has fallen off my credit report due to time passing. I ask them to provide me proof of the bill, or a contact number ... |
|
 I have recently gone through a divorce and want my name off of joint accounts...? |
| My ex uses an account that affects my credit, my name is still on this account. Any ideas on how I can get my name off this account?? Thanks!... |
|
 How can I use my credit card's benefits without the credit card companies making any profit? |
| I just was approved for both an AMEX blue credit card and a Chase Freedom credit card. Can anyone give me strategies that work while dealing with the credit card companies. I always payoff my debt at ... |
|
|  |
jennadionn | Does it look bad when I request my own credit report? |
A woman reviewing my credit at a credit union today said that it generally looks bad if my report has been accessed 6 times in one year by credit card companies or lenders. When I access it myself...is that a strike against me too? |
 |
 
helzapopin
|
no. you should check it .. |
|
Yahoo! Answers Chic
 |
yes, when you get a credit report it counts against the 6 per year. |
|
Robert m
 |
There is no penalty for you checking your own credit as long as you purchase it or request it through the credit bureaus directly. Just remember you are allowed 1 free credit report a year and you can recieve a free credit report any time you are denied for credit, but these free reports well not contain your credit score. The only way to get your credit score is to buy it! You can buy as many reports as you want through out the year with out penalty. The other thing to remember is while an inquiry well show up on your report it does not affect you or your score and it is only seen by you, when ever a bank pulls your credit they only see hard inquiry's or inquiry's that you requested that are attached to an offer of credit. In fact if you like to keep up on your credit, and its a good idea to keep up on your credit, all of the credit bureaus sell services such as score watch which allow you to recieve alerts whenever your credit changes, I actually get alerts on my mobile phone every time my score changes or a balance changes on one of my credit cards. Its a great service and not very expensive for the piece of mind it offers. As far as the set amount of times a creditor can look at your credit before anybody thinks it looks bad is subjective to every different lenders credit model, but typically if you apply for credit and receive it, it usually doesn't hurt you becaus it doesn't look like your desperate for credit and applying every where and every chance you get, you'll look more stable if you only apply for credit when you need it! Good luck! |
|
Joey
|
Everytime your credit is pulled by you or someone else it's a mark. It takes a lot to make a negative impact though. 6 seems perfectly fine. |
|
STEVEN F
 |
There are 3 types of inquiries on your report:
Self-inquiries are not reported and have no effect on you credit score.
Hard inquiries are when you apply for credit and the creditor pulls your report. These have the greatest impact on your score.
Soft inquiries are when your report is pulled for other purposes, such as by a potential employer. I'm not sure if they affect your score or not. |
|
jake_deyo
|
You personally are allowed to view your credit report one time per year. The only way to do this without penalty is to go to through the credit bureaus themselves. |
|
Reaper King
 |
yes. but no to your first question on whether it looks bad if YOU check your report. anytime your credit is checked, regardless of who does it, is marked on your score. there is a new model which will be rolling out by years end that will elminate that little feature from dropping your score. some banks/lenders will accpet it and others will not so it all depends. |
|
West
|
no, you can request you're credit report for free once a year... ask your bank and ask them what you're FICO score is |
|
karenmbs
|
no, you can check as often as you like...The people who are saying it counts against you are wrong, when companies other than you check it, it does count as an inquiry, but not if you check it yourself. |
|
redbone8188
|
I don't think so b/c some credit bereuas ask that u check your credit every six months, b/c of identity theft issues. |
|
goldieluxxx
|
yes. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
12 | 32 minutes(s) ago
| | | |
12 | 40 minutes(s) ago
| | | |
12 | 2 hour(s) ago
| | | |
12 | 4 hour(s) ago
| | | |
12 | 6 hour(s) ago
| | | |
12 | 7 hour(s) ago
| | | |
12 | 10 hour(s) ago
| | | |
12 | 1 day(s) ago
| | | |
12 | 6 day(s) ago
| | | |
12 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
