 How do you borrow money when your credit is really really bad and you do not own a home? |
| i dont make as much money as i used to i cant afford to make payments due to the amount of child support i pay which is never late but i am about to lose my ... |
|
 How Should I Pay Of This Debt? |
| I have 1 question. What is the difference between settling a debt for a settled amount(example: $4,000 debt settled for $1500) and paying the debt in full? What I mean is, which option will make your ... |
|
 My Experian Credit Score is 644, my Equifax is 617. Which one is right? |
| I am getting married soon. My fiance and I have about the same credit scores. Which one is right for mine? Also, will it be hard to get a loan for mortage with our credit scores ranging 600-660?... |
|
 Can my bank sue me for not paying back an Overdraft? |
Hi,
Basically in a short sharp nutshell my bank removed my £300.00 overdraft (as apparently it was ready for review - although I wasn't made aware of this until the kind lady on the phone ... |
|
 How do I find my credit score for free? |
| In other words which companies offer free annual or semi-annual ... |
|
 Online debit card? |
I'm only 17 but I desperately need an online debit card. It needs to be able to give or receive cash, and of course start with $0 (because it's not a credit card).
I have to ... |
|
 What credit card is better?? |
| I want to open up a gas card pretty soon, so I'm looking around. I live in Northern CA, and there are many Valeros, Shells,and BP stations like AMPM around. Would I be better off applying for a S... |
|
 If I want to consolodate all my bills by refinancing my house? |
| I would like to refinance my house and consolodate all my credit card debt into it......does that require getting my house appraised????... |
|
 A collection agency is offering 40 cents on the dollar, but says the offer's only good for a day. Is it? |
| A collection agency contacted my mom two days ago for a delinquent account. The person she is speaking to is offering a 40 cent on the dollar cash payout on a $13,000 balance, but says that the ... |
|
 Pin number reversal? |
| PIN NUMBER REVERSAL "If you should ever be forced by a robber to withdraw money from an ATM machine, you can notify the police by entering your Pin # in reverse. For example if your pin number ... |
|
 Is it me or is HSBC have the worst Customer Service ever? |
| They have the worst Collectors and customer service reps ever. They constantly try over-talk you will call you a liar to your face. After today I will start recoeding my conversations with them. T... |
|
 Auto loan with a FICO score of 750? |
Is it likely or unlikely for me to get approved for an auto loan?
What do you think the APR would most likely be for a 750 fico score?
I have no negative or derogatory on my ... |
|
 Will it hurt my credit if I pay my mortgage one day late.? |
| I waiting for my paycheck to clear. And my mortage is with the same bank that I have my checking account with.... |
|
|  |
John D | How can I stop my parents from pulling my credit report? |
My parents are really nosey and I am well into my 20s and they have no business knowing my financial situation. Unforunately they have all my personal information - social sec #, maiden name (go figure), etc. They also have a habit of calling my credit card company and discussing charges with them! It is getting really annoying and none of their business.
Is their anyway I can put a block on people being able to pull my credit report simply by going to one of these websites and typing in some (readily available to my parents) information?
thanks!
Additional Details
to Marianne T... what the hell is wrong with you? How did you come up with all of that out of my question?
NO... I don't live with my parents.
NO... they don't pay any of my bills.
NO... they are not cosigners on any of my loans or credit or anything.
I am actually extremely successful in real estate and have my MBA and my own business. I think my parents look at my credit report because they are nosey and want to know what invesments I am in- I have a lot of mortgages etc because I work with property. I have CC debt because I have very good credit and I take advantage of the 0% interest for a year convenience checks.
So Marianne T why dont YOU stop acting like your 15 and jumping to conlusions.
To everyone else... thank you! I will call my CC companies and set a password! Hopefully I can do that with bank loans too? |
 |
 
Cali-Gal
 |
Hi John:
I am sorry to hear that you have such busy bodied parents. Sometimes parents go way out of their boundaries when it comes to their children. Maybe they are just worried about you getting into financial trouble....who knows. Confront them with this issue and tell them that you are financially healthy and that they need to stick to their own financial affairs. In essence, they are breaking the law by exhibiting this behavior.
Definately get a freeze on inquiries for credit reports. Also, call all of your creditors and explain to them the situation and request that it be documented what your parents have been doing. Have a different security question set up with an answer they would probably never figure out.
If worse comes to worse, let your parents know that you will take this issue to court, if need be. I know it sounds harsh, but it sounds like now you will have to do "roll reversal" in this case and take displinary measures.
OH yes, Thin Kaboudit...you are very misinformed where it comes to public information. Credit reports are not public information. Yes, some things that are reported are public information such as bankruptcies, foreclosures, tax liens and judgements. No one can just pull someone's credit legally without written or verbal authorization of some form. |
|
Dr. Deth
 |
call the credit bureaus and see if there is some kind of password you can assign to your acct. Get a PO box so they can't check your mail or see what's on your credit cards. the CC companies shouldn't tell anyone but you anything-see if you can get a password or pin# set up there too |
|
SPIFIMAN1
 |
The only way to stop this is to put a freeze on your credit.
This will prevent anyone from pulling your credit until you release the freeze.
As far as your credit cards go call the card companies and put a password on your accounts. This will stop your parents from being able to access your information. |
|
frankie b
 |
Do not know where Mary t cam up with all that, but it sounds as if she has been in the position she is describing Maybe she should grow up. As for your question I would call the cc companies and tell them if they give any info to anyone but you, you are going to sue them for giving out personal info. I would set up a password with them (not my social or dogs name) something your parents will never guess. How about you take your parents out to dinner and talk nicely with them. Explain you are not their little kid anymore, and you have your own life with private personal info. Ask how they would like it if you pulled all their info, bet they wouldn't. |
|
gc27858
 |
You can call customer service. Some companies will now give you the option of setting up a password. When someone calls in, they will be asked for the password.
If your parents are still supporting you in any way (helping out with rent, bills, etc), they may feel they have a right to it.
If they aren't supporting you, tell them this information is private and they don't have any rights to it. You can set up accounts with the credit reporting agencies and they will give you passwords so only you can access this information when inquiries are sent directly to them.
Good luck. |
|
just me
 |
You should probably call your cc company and set something up so that they have to ask for a password that only you would know before discussing any business related material... A company I worked for did this, so it can be done...explain the situation to them so that they understand where you are coming from... |
|
David C
|
are your parents cosigners on any loan you may have......student loan or anything like that? they might be checking on their investment. I couldnt blame them for that |
|
Thin Kaboudit
|
Your credit report is public information, readily available to anyone who pays for it and many who don't. There is no legal way to prevent anyone from seeing it. |
|
Marianne T
|
If you are still living at home, it is time you grew up and moved out. Your parents are concerned about your use of credit because you are living with them. They are afraid if you don't pay these cards on time that they are going to come to them for the money. Get your cards paid up whether it takes getting a second job or something. Be adult and be responsible. Then save your money and move out. It's time you grew up now that you are well into your 20's anyway. The reason they are doing this is because you are evidently acting like you are about 15. Good luck. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 17 minutes(s) ago
| | | |
9 | 34 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
9 | 8 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 4 day(s) ago
| | | |
8 | 5 day(s) ago
| | | |
9 | 2 week(s) ago
| | | |
11 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
