 What could someone do with my credit or debit card details? |
| I mean all the numbers, names, expiry dates, etc on the card. Surely if someone used them online to buy something, the police could just check who or where it was delivered to and catch the crook? Or ... |
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 I'm 18, a freshman in college, and I want to get a credit card to build some credit...one problem...? |
| I would like to get a credit card just to build credit while I'm in college, so when I get out I have a head start if I want to purchase a vehicle or a house in the future. I would only use it ... |
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 I need some advice please...(please only answer if you read ENTIRE QUESTION)? |
| I need to know what I have to do to get my own credit card (from start to finish). I am 22 years old and I still live at home. I already have 2 mastercards and visa card that my dad gave to me when ... |
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 Is having 4 credit cards good or bad? |
| List the good about it, and list the bad about it.... |
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 Can u go to jail if u cant pay credit cards and wat can happen if u dont? |
| I have 6500 dollar credit card debt that i was paying without a problem and i was also paying my car perfectly as well but as soon as the school loan came i can not aford to pay them all. i can pay ... |
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 Can a person with no job and bad credit get a real estate-backed loan? |
| I would like to know if a person who has no job, bad credit but a big equity in his house can get borrow money against his property. Is it possible?... |
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 Co-Signing? |
My sister is in debt and would like to consolidate. The catch is that she would like me to co-sign with her on the loan.
I don't know alot about co-signing but I do know the risks ... |
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 Bank of RIPP OFF America? |
| I just got a $35 late fee on my credit card account because I went into the bank on Saturday and handed them my payment rather than making it over the phone!! When I called customer service she had ... |
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 Fraudulent Charge on Credit Card? |
| I have a fraudulent charge on my credit card bill. I spoke to my credit card company and they said they will cancel the card and mail me a new one, and they will investigate this charge. I have ... |
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 I need to get a personal loan with no credit check for 18000.00 dollars? |
| can anyone tell witch site i can go to so i can get approved.i will nogo threw any of those credit or debt managment programs.and i will not refinance my home because my husband has no idea i have ... |
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| Does anyone else have problems with Temp Agencies? |
| I have applied for jobs at a few different Temp Agencies and they never call me back. I always have to contact them . I thought it was there job to find me a job?... |
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 Is Transunion the only credit bureau that matters? |
| Seriously, about a little more than 100% of all important business check your credit report from transunion. Whats the point of the other Experian and Equifax? I looked at all 3 reports and all ... |
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 I paid for a hotel with my debit card, and the hotel still hasn't taken out their money it has been a month? |
| I went on a small vacation and stayed at a hotel i put the bill on my debit card (as credit) and the hotel still hasn't taken their money out. i left the hotel on 7/26/08 i had stayed the ... |
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 Are you in Credit Card Debt? |
| Are you? And if so, how do you plan on paying it off?... |
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trixibel | How can you "repair bad credit"? or dispute items on your report?? |
If you owe it- you owe it. How can these companies "legally" repair your credit?? I am confused?? i went to a website that says they send dispute letters...How can you dispute an account you owe?? How does this work? |
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jamesPurple
 |
There's a lot of errors in credit reports. Due to frauds, human mistakes (from the banks, credit card companies, borrowers,...).
And there's strategic moves you can do to improve your credit score.
That's why some people are using credit repair agencies. |
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OC1999
|
You answered your own question. They can not do anything legally that you can not do for very little cost or no cost. Your only cost is really just Paper, Stamps, envelopes to send the disputes. They basically prey on peoples lack of knowledge of how to view and dispute their credit information. Also, a lot of the Credit Reporting Agencies automatically ignore any dispute that comes from a 3rd person or company.
You first need to pull your credit report. You are allowed 1 free per year from each of the big 3(TransUnion, Experian, Equifax). To do this go to http://www.annualcreditreport.com .
Once you have your reports and if anything is incorrect you need to send a dispute to the credit agency. They offer On-Line disputes, but I still prefer to do it through Certified Mail. This way you can send any proof at the same time. If it is a vaild dispute they will correct/remove the information.
Below is a site with sample dispute letters. The addresses for each of the 3 are the following.
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
Experian
P.O. Box 2104
Allen, TX 75013-2104
TransUnion
P.O. Box 1000
Chester, PA 19022 |
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Pengy
 |
You can order a report from the credit companies and dispute anything yourself they have 30 days to refute your dispute. or it is removed. There is no guarantee. Better off disputing yourself and then just
pay bills on time
Get your credit cards down to 30% of the limit
Do not close any cards that are paid off
Do not apply for any credit
There is no quick fix |
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beauty s
|
u would dispute it to all 3 company's if there is something wrong with your credit report.. and it could take up to 30 days to fix.. |
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Dragonmistress
|
If you feel that there are unjustified charges on your account - that you know you did not make contact the store involved first. Then contact the credit card co. and the credit bureaus.
If you have documentation that the items are false make copies and send to the co. |
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TONY_BABYFACE
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its easy creditors have 30 days to respond and if they dont they have to remove the account (PERIOD) no ifs ands or buts.......its as easy as sending a stupid letter..lol.....but thats very time consuming...i went to a credit repir company.....and they were actually cheaper than me doin it maself...lol....newayz......if u want to there website is below....tell the that Tony Vargas reffered you....thanks...:) |
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Henry M
 |
Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved on<!--bad credit, you must know to how to confront it. Of course, Even if you have bad credit, you can get loans. Many factors can contribute to someone getting a "bad credit" rating, among these are non-payment of an account or late payments over an extended length of time. Below is the link thats explains step by step to repair bad credit
http://badcredits.awardspace.com/Steps.htm
You can easily be labelled as a bad credit risk by financial companies. This can make it more difficult to-->arrange loans or other finance, and usually means you will pay more interest on any loan you take out. |
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SWA
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