 If i paid off a debt and received a receipt marked paid in full can they then ask for more money? |
| paid off past due oil bill in full they are now trying to tell me that i owe them for a sheriffs fee, that incurred on the day i paid the balance off on the ... |
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 Can you go to jail for not paying your credit cards? |
| i have 7 credit cards all maxed out.i have no job no property and no car. wat can happen to me. can i go to jail?... |
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 What checks are used on a basic savings account ? |
| Hi everyone, i have recently been turned down by natwest and barclays for a basic bank account , i am not bankrupt but do have bad credit history. i have been given a cheque and need to cash it, i ... |
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 What does it mean if a credit card is declined? |
| i have my dad credit card, i dont know if I have done anything wrong to decline it i am sacred to tell him.... |
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 How can people protect themselves from banks and companies ruining their credit? |
| there must be laws against banks and companies taking people's money through high interest rates, overdraft fees, and other bank fees. Companies are designed to rip people off and the public ... |
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 Has anyone gotten there stimulus paper check earlier than the date that is posted on Wheres My Stimulus Paymen |
| I got my second notice and it says I should expect my rebate by the 16th, but online it says it will be mailed on the 16th.... |
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 How does it affect your credit report? |
| i have a credit card which is 31% interest(i didn't really pay attention when i got the card) i have a balance but want to close the account so as the balance goes down the temptation of ... |
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 I can not afford to payback the loan. What about my wife? |
| I have got monthly loan repayments and mobile phone bills that i can not afford to pay back each month. The loan is on my name and account. My wife and me have separate financial accounts.The house ... |
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 Can a 15 year old debt be put on your credit report legally if it has already been on it once before? |
| This debt has already been on my credit report once and was dropped 8 years ago. Now they have sent it to a collection agency who has had it put back on my credit ... |
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| Will she go to jail? |
| my friend mandy found a check that was signed and filled out for around 1000 dollars but not made out to anyone so she put her name on it and cashed it she got a call from a detective investigaging ... |
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| Where can i find a loan with not so good credit? |
Additional Details
i am trying to get a home equity line of ... |
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 Im being hounded by bill collectors! Please help!? |
And the best part is, i dont owe them a dime.
They arent trying to collect money from me. They are trying to collect money from a deadbeat relative of mine. Somehow they got my name and number ... |
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 If I call my creditors, can I ask to have my interest rate reduced? |
| Is this possible? Would it be better for me to do this instead of using a debt consolidation service?... |
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Kelsey H | Does running a credit check really lower your credit score????? |
when the ask you at the store if you want to sign up and they check your credit do you loose 2 point off your score???? |
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toolonely2bme
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you are indeed correct, its a catch 22 basically, you want to build ur credit but inturn it affects your credit to apply. lame, i know. but thats the way the cookie crumbles. |
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Mainworry
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Psa.37:20 But the wicked shall perish, and the enemies of the LORD shall be as the fat of lambs: they shall consume; into smoke shall they consume away. |
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Ford
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Yes it does, if it is done often. It indicates to lenders that you are shopping around and also indicates to some lenders that you may have a problem getting a loan |
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Arbitrage
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If you run a personal credit check, you don't lower your credit score. If you apply to a lot of things (e.g. credit cards) all of the time, that will lower your credit because that want to curb abuse and applying all the time for credit means you're probably getting rejected a lot and they want that to show up. |
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smartypants
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Yes - because it indicates that you are applying for credit often (or not) and if you have a lot of unpaid bills these will be listed too. If you have applied for credit often, it either indicates that you may have been rejected many times before or else, you have a lot of loans/credit cards which indicates to the credit supplier that you may not be able to afford another loan depending on your income level. It can also indicate that you borrow often, but pay off your loans fast. If this is the case, and you get rejected when applying for a new loan or credit card, you can show them documents to prove this and they should approve the new credit contract immediately.
You have the legal right to access your own credit information so that you know what your credit rating is - and you should do it regularly. I know that I had a bill on there stated "unpaid" from an electricity company 3 years ago for $1,400. At the time I put in a complaint because the bill was incorrect and ended up paying an agreed value of $300 but they stuffed my credit rating anyway! If you keep documentation, you can fix your credit rating by letting them know any errors.
I'm not sure what country you're in, but in Australia, you need to look up "Baycorp Advantage". If you're in another country, phone any accountant in the area and they'll be able to give you the contact details of how you can get the information on your own credit rating. |
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tendrme
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If you pull your credit yourself. No But if you apply for credit and your credit is pulled then it does have the potential to lower it a little |
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The Whopper
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yup |
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jab92593
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I believe so! |
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mnvikes
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i cant beleive they would do that.... but maybe.
i know signing up for lots of credit card can lower your score a lot though just because you have a lot of credit open to you. even if you pay them all off in time every month |
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princess_monica7
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I'm not really sure, but I heard it does. One thing that I do know is, the more credit cards you have drops your score too. So its best to just have maybe 1 or 2. |
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