 Can i get a credit card to help my credit? |
| I have alot of bad accounts open and Im trying to pay all of them. How can I get a credit card to help me rebuild my credit, and which one should I get.... |
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 We have an asset recovery firm harassing us to pay pennies on the dollar to settle a ten year old credit card? |
| This credit card is from an 85 year old with no income other than social security. No house, car or any other assets. Can they bring this to court?... |
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 How do i sort out my credit rating? |
| been on experian, all i got was the print out of my credit history....all my old debt is now clear, but still cant get credit?? or finance, how do i get rid of bad credit?? is there a body/firm that ... |
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 Would anyone recommend trying to claim back bank charges for late payments? |
It seems everyone I talk to knows someone who has got money back from their bank for charging them for late payments over the last 6 years.
Is it as easy as just writing to your bank??
... |
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 Bankruptcy? |
| I was wondering if anyone has went bankrupt and what happen. My lawyer told me to max out all of my credit cards I have toys r us, home depot, lowes, visa and mastercard. If i do this will they come ... |
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 Can credit removal agencies really remove bad credit? |
| Im in market to pruchase an house presently im at a 600 credit rating with no late payments for atleast last 2 yrs. All deliquent accounts have been paid. I've called several creditors having ... |
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 How can I avoid my creditors? |
| I have lost my home, cannot pay my creditors, ( credit cards, loans, bills) and my ability to earn a living. How can I hide from the collectors?... |
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 Paying off credit cards - which to pay on first? |
| To pay off my credit cards should I start with the one with the smaller balance or the one with the higher interest rate. I have 1 card with approx $350 on it. I figure if I pay this one off first, ... |
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 I received a summons from a collection firm HELP!!!? |
| On Friday the 13th I received a summons from a company that bought my old visa debt from 1999 and they've filed a complaint asking for my original debt amount ( $1300) and an additional $4000 in ... |
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 Credit question? |
| I Just paid off 2 credit cards on my credit report. When I called them, I asked if it will make my score go up(I would think paying off debt is a good thing) The lady at Equifax told me that they ... |
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 My son owes $25,000.00? |
| My son who was a former addict, managed to open credit cards in my name and now owes 25 thousand which I have to pay because we share the same name. He managed to get a hold of my SSN and used it to ... |
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 What's the best(most efficient) way to start credit up in your own name? |
| I've never had my own credit before, and this is why I want to know.... |
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 How do I pick a good bank? |
| I'm in a federal credit union and they keep taking my money. I'm paying over $32 in over draft fees when I supposedly have overdraft protection. Half of the time, when I am overdraft, I ... |
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 When having a credit check carried out how far back are they checking history? |
| Having a credit check carried out by the letting agency which im applying for to rent a flat. Worried about failing the credit check, does anyone know how far back they check when doing this and what ... |
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Lin | How can I get a free copy of my credit report so I can start cleaning up my credit? |
My credit score sucks its like 360 something(sad I know).Ready to start cleaning it up now. |
 |
 
imisidro
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The federal Fair Credit Reporting Act (FCRA) requires that U.S. consumers be entitled to a free credit report each year. The government’s goal is to make sure that consumers stay informed, fight identity theft, and get fair treatment. This is the government mandated website where you can get 1 free credit report from the 3 agencies for free in one year:
https://www.annualcreditreport.com/cra/index.jsp |
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ohm'slaw
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do as imisi said.but get one report every 120 days,then you will have newer info all year long. |
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flowerlover12003
 |
Every site I have tried for a "free" credit report is not free. If you have credit cards, pay off low amounts first, not high interest ones. Don't be late!!!! Don't miss a payment!!! Your interest is automatically raised to 30%, according to experst on Oprah yesterday. Check with your bank or credit union to see if they can get a free copy of credit report. Know also that each time a credit report is requested, two points go against your credit report. The Oprah link is The Debt Diet. |
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Studly
 |
I am not completely convinced that freecredit.com is paying people to post their name here!
You guys are morons! CUT IT OUT!
www.annualcreditreport.com is the ONLY site that gives you free credit reports without any games, catchs, fees, or anything.
This site was set up specifically to address the new law requiring free access to credit reports, and is run by the 3 major credit bureaus. It's easy to use.
Freecredit.com is a leach company taking advantage of consumers. |
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conga_rich
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Apply for credit, and when you're denied, you can call the number on the denial letter and get a free copy of your report in the mail. |
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reichman2007
 |
freecreditreport.com
it is a trial so cancel it halfway through. |
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CableTech
|
The three main reporting agencies are: Trans Union, Equifax & Experian. Their web addresses are below.
#1 You are entitled to a free copy of your credit report once per year. All you have to do is write a letter to each agency & request one.
#2 There are companies that will offer a 3 in 1 report (from all 3 agencies)for free. A couple are:
http://www.annualcreditreport.com
http://www.freecreditreport.com
#3 Anytime that you are denied a loan, you should receive a letter from the lender stating their reasons for denial. If that reason includes negative information contained in your credit report (it usually does), then the reporting agency will be listed as the providing source. They MUST provide you with a free copy of your report. Send them a copy of your denial letter & request a copy of your report. They must do this anytime you are denied credit.
Then their is FICO. To understand what makes up your score, & to get a free score go to: http://www.myfico.com/CreditEducation/?fire=1. |
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Credit Guru
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There are a lot of idiots posting on this board!
The ONLY place you can get all 3 credit reports for free is www.annualcreditreport.com. You can get a copy once every 12 months. It will NOT hurt your credit score. This website is maintained by all three credit bureaus (Equifax, Experian & TransUnion) and was set up to comply with a law passed in 2004 (FACTA) that mandated free consumer access to credit reports.
Review your credit reports for accuracy. If there are any items that you believe to be incorrect then you can dispute them. Each investigation will take approx. 30 days.
Go to www.myfico.com and look in the Credit Education section to learn about credit scoring.
Good Luck |
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chazzzz1051
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if you have not already apply for credit somewhere. When you are turned down the agency ha |
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iyamacog
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Apply for credit from anyplace. After they refuse you, than request a report. Once refused, you can request a copy for free. At least that's how it in this state. |
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