 I have huge debt, need help, $38,000 in credit card debt and we are a negative $400.00 per month,? |
| We are in our late 50's have 2 mortgages and all this credit card debt, we were just making it and then my husband had 2 colon cancer surgeries in 6 months, I am afraid of debt reduction because ... |
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 Is buying something from a rent-to-own store a good way to build credit? |
| I know they charge way more than buying something outright and I know they charge high interest rates, but I really want to build credit without having to get a credit card or any kind of personal ... |
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 Advice on credit repair? |
Has anyone had experience with or know about the following:
www.creditbureauexperts.com
Credit Justice Services
I am looking into credit repair and would like to know if anyone has ... |
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 Will this work in raising credit score??? |
| O.K. my friend told me to go to a small finance company and take out $300.00 loan in 48 hours exactly 2 days later go in and pay $200.00 on the loan. make sure they report to all 3 credit agency and ... |
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 Do you think it’s a bad idea to file for bankruptcy? |
| I have bills coming from nowhere and no money to pay everything.... |
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 What's a good first time credit card? |
| I'm 21 and have never wanted to get a credit card, now I realize it's important for aquiring a good credit score. What is a good card for a first time user?... |
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 Can a debt collector find you with....? |
can a debt collector find you with only your name, email and old address?
Additional Details
they have no other information on me. they dont have my phone number, ssn, none of my credit ... |
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 Credit Card Debt Help!!!? |
| Here's the story.. I had 5 credit cards that I have been paying off.There was one big one for 7000.00. I tried to work out a payment plan and the collection agency would not work with me. Now I ... |
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 How many months does it take to see an improvement in your credit score? |
| If you are paying on time, keeping credit card balances low, and not incurring any new debt? How long does it take these responsible actions to actually start causing an improvement and increase in ... |
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 Does getting your free credit report take off points? |
| When you get your one free credit report each year, does it take points off your credit or count against you in any way?... |
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 How much of a balance should I keep on my credit card? |
| I know that I should keep some balance on my credit card to help show that I can make regular payments. I really want my credit score to go up even more, so does anyone know what percentage of ... |
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 Maxing out a credit card for one month? |
| Does this do anything bad to your credit rating? If I max out a credit card (not going overlimit) but then pay half of it off the next month.... |
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lon_usa2003 | 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, 700, 800. I don't know but the meaning of the word free means you DO NOT pay. But they say I have to pay $5, $6, even up to $10 to get your report. But I don't want to know what my report is, I already know that I just want to know what my credit score is, thats all is that too much to ask for! |
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Michael K
 |
To get a free ESTIMATE of your fico score, go to http://www.myfico.com/ficocreditscoreestimator/
You can't get a FREE credit score. Everyone charges for the score. There are some 'free' trials but you give your credit card number at the beginning, and if you don't cancel in 30 days, you'll have to pay a monthly fee forever (until you cancel the service)
You can get free credit reports (different from a score) at https://www.annualcreditreport.com/cra/index.jsp
I hope that helps.
Additional comment:
Ordering your credit score directly from one of the credit reporting agencies does NOT lower your score.
If you'd like to learn more about your FICO score, this link: http://www.fairisaac.com/NR/rdonlyres/DA689E4A-08E8-42C7-9DD0-1D87FA6ED726/0/UnderstandCreditScoreBklt.pdf is to a pamphlet put out by Fair Isaac Co. (the company that designed the FICO score) |
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teel2624
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Yes, a credit report - detailing your history - can be requested from the 3 major credit companies once a year (per company) as designated by law. However, to get your actual score costs a nominal fee.
I would advise checking your credit score too often, though, as checking it causes it to drop a bit. |
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Michele~ 30 weeks with my first!
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http://www.myfico.com/ -You can get your credit report AND your credit score there.
Freecreditreport.com gives you 1 free credit report per year but NOT your credit score. Those are two different things. The credit report is free but you'll have to pay around $5 if you want your credit score. |
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Thomas K
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call a mortgage lender or bank and talk to them like you want to refinance. They will pull your credit. They are not supposed to give you a copy but with a little coaxing, you can get it. At the very least, they will tell you your scores. |
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bdancer222
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AnnualCreditReport.com is the only place to get your free credit report from each credit bureau. It's set up for just this purpose. All the other sites give you a free 30 day period after signing up for some kind of monitoring service -- which can be very difficult to cancel.
You are entitled to a free credit report but you have to pay for your score. There isn't any place to get a free score. |
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TheOne
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There is nothing free. The more you check the lower your score will be so becareful. The only way to get it free is to apply for a mortgage loan. Then aproved or not aproved, you have the right to ask for your credit scores, normally would be the average of 3 major credit report companies. |
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Suzy
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You can get a free report from each of the reporting agencies at annualcreditreport.com. The credit score is different and you will have to pay between $5-10 for it. The best place is myfico.com. |
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Heatheradair
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www.annualcreditreport.com
I have heard that this one is much better than all the rest, and it's free. I haven't tried it yet, but plan to. |
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Angel
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Call you local bank and ask them a secure way. you will ahve to pay for it though. |
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