 An ex-boyfriend had conned me into co-signing a credit card and now there is a debt of 300,000. Help!!!? |
| an ex-boyfriend had conned me into co-signing a credit card and now there is a debt of 300,000. Help!!!... |
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 Credit Cards? |
| Today I found out that my credit score is 770. The reason why my credit score is high is because my parents co signed ro me to get a car loan. Today when I went to apply or a credit card I got ... |
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 Is credit really that important? |
| I am paying off my credit cards and doing away with them. I have no plans to buy a house, rather am saving to buy land outright and building a house on it. Also, I buy my cars in cash and just save ... |
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 What's the best way to re-establish my credit? |
| I had a bankruptcy in '99 and last year I had to use a debt consildator to get my credit card debt under control. I just want to get out of debt and start over the right way. Any ideas?... |
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 What is a good credit card? |
| I am 18. I have no credit. Is it possible to get a 3,000 dollar limit. Who should i go with. What do i look for?... |
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 Credit Cards with Bad credit? |
| I have a daughter who is very sick and we have so many medical bills we need to apply for a credit card but I have bad credit because of what is going on. Is there anything that I can do? I have ... |
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 My mother owes a Jcpennys $300. She lied to me telling me she owed nothing. I refuse to talk to her and decide |
d to let her handle her own stuff . I don't help with the house chores and stuff like that. I am 14 she is 42. Am I doing the right thing?
Additional Details
I try to give her my ... |
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 What does it mean to redeem a gift card? |
| ( i know this question is weird... just answer)... |
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 I used my parent's credit card! Help!? |
| I used my parent's credit card even though they said no! I'll pay them back later, but when they recieve a bill, is the name of what I purchased gonna be on there?... |
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 Fair Debt Collection Question...? |
| I have recieved 3 phone calls from a debt collector who is telling me that I need to contact him immediately because if I don't take action I won't like what will happen. Now, I'm ... |
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 What is the worst that can happen if I simply stop paying my credit cards and ignore the card company? |
| Will I get a CCJ, or will they simply go away and refuse to lend me money again? Or, will someone turn up at my door? Only sensible answers please!... |
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 Do debt collectors have the resources to trace people if they move from the uk to somewhere abroad like spain? |
| I Owe 500,000 pounds in bank loans ect one to natwest bank in uk if i move to spain but inform my family friends not inform the debt collectors if they phone what country i move to surly it will ... |
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| How much debt do you have? I have about $50,000, including a car loan and consumer. (not including mortgage)? |
| Please tell me what your total debt figure is and what does that debt include. (student loan, car loan, credit card, etc) I'm really curious as to what kind and how much debt others have in ... |
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 Paying by pay pal on ebay? |
| do you have to pay any fees to pay by ... |
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 I just recieved a letter from Financial Recovery Services trying to collect on a debt that ....? |
| ....that was written off by the original creditor five years ago. They are asking my to respond or this debt will be valid. What should I do? I know for a fact that this was written off, and I also ... |
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 Debt free!!!? |
I am one credit card away from being consumer debt free!!
Can you congatulate me? You can share your personal experiences as well..
Thank you Thank you!... |
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monicamcnabb | How can you see your free credit report without having a credit card? |
I am trying to find my credit report, but all the sites I go to, you have to use a credit card. I don't have one and don't want one. Does anyone know a site where you don't have to use a credit card? Thanks:) |
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Worked
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CREDIT REPORTS WITHOUT PAYMENT BY CREDIT CARD
first it is essential to establish you reside within the UK. If you do:
You will be aware that there are three agencies that have been licensed by the government to compile credit information about you under the Data Protection Act.
You should request a credit report under s7 of the Data Protection Act.
Look at the Information Commissioner's Office website- read the following page:
http://www.ico.gov.uk/for_the_public/topic_specific_guides/credit.aspx
This explain the procedure for requesting credit reports.
Download the leaflet PDF "Credit explained" on the page.
You should then seek to obtain a £2 statutory credit report from each of the three agencies (it is not free any more):
Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
www.equifax.co.uk
Call Credit Plc
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ
0870 060 1414
www.callcredit.co.uk
Experian Ltd
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF
0870 241 6212
www.experian.co.uk
You should be aware that they each compile different reports. It is not free, there is a £2 statutory fee they can charge because of the Government, that will entitle you to a basic report which information and codes are not really explained. Please note these companies illegitimately try to divert you to an "Online Credit Report" and there are many links that divert you to it. If you want this service, you will have to pay an exorbitant monthly fee. Otherwise, stick with the £2 statutory report.
You do not need a credit card to pay for the statutory report. Simply download an application form from each credit agency website you want a report from, or write a letter as explained by the Information Commissioner's leaflet, and post it to them along with a CHEQUE for £2. |
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claimbankchargesback
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Both Experian and Equifax offer paper credit reports for £2 under the Data Protection Act. Send them a postal order for £2 and you`ll get a credit report send to you within 7 days.
Its worth checking both, as they don't always hold the same information.
This is the cheapest you are going to get them for. You can use someone elses card to get the experian free trial (if you can get a friend of family member to let you use your card), but you have to go through extra verification checks which is a bit of a paid. The online reports though are much more detailed then the paper versions.
Links to both of the £2 offers are shown below. |
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always runnin l8 ;-)
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If your in the U.K you can send a cheque or postal order to Experian, however I've just noticed they advertise on the web site a free credit report, maybe check this out?
I've only ever done it buy cheque :-) |
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Paris P
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If you don't have a credit card, you probably don't have any credit history and therefore have no credit report. However, if you bank at one of the larger banks (Chase, Fifth Third, WaMu), they can run your information through Qualifile and pull up your score and see if there's any history. They might only do it for you if you open a new checking account though.
The best way nowadays to start a credit history is to apply for department store credit cards or gas station credit cards since these cards have less stricter lending requirements but higher interest rates. |
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Barbara S
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Maybe you can try below website to get the information you need. It's about free credit report articles for your second opinion. |
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grierGRIER h
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All information about your credit report:
# Equifax, Experian and TransUnion: These three credit reporting agencies determine the credit worthiness of people in USA by making credit ratings for them.
# Every person can receive one copy of credit report from each of the these credit reporting agencies absolutely free of cost.
# To obtain free credit reports, a person needs to log in to the website www.annualcreditreport.com. This is the federal law authorized source to get a free annual credit report.
# Individual credit reporting agencies viz. Experian, Equifax, TransUnion also provide credit report for a fees of about 10$ per report.
# If you have been denied a credit, you can apply for free credit report from these three credit rating agencies.
# The three different credit rating agencies maintain different credit reports and each one of them has to be obtained in order to get a comprehensive picture of your credit report.
# Credit report has 4 different parts: identifying information about the individual, credit history, public records, and inquiries made to the credit file.
# Identifying information includes your name and address, and social security number.
# Credit history includes detailed list of each of the accounts you have and corresponding account numbers( the numbers can be encrypted). The other details shown on credit history will be the date of opening of account, the details of loans you took, total amount of loan, your payment history, the amount you still owe and the status of the account. Read more from: http://www.credit-card-gallery.com/article/274,15_facts_everyone_must_know_about_credit_reports |
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Gatsby216
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Go to FTC.gov. |
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goukermj
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Try annualcreditreport.com
That is the totally free site that the govenment has. You can get a free report from all three agancies once per year. I do not know if you have to have a credit card to get into it. But I know they ask you questions about previous addresses, loans, ect to confirm you identity. You should be able to find something there, but remember, if you are able to pull up your report, you should print it. Once you close the window, you will not be able to pull it up again for a whole year. |
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BrenBren
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annualcreditreport.com
This site is set up by the government so that people who care about fixing their credit or care in general can take a look at it once a year to see what they need to fix or whatever. It lets you look at all three credit beauros... I've used it and i recommend it. |
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Fico C
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This is a very simple.
If you don't have a credit card and want to see how your credit is, write each credit ber. and request a copy of your credit report.
You get one free each year for all three. And if you have gotten your free one, you just write a check or send in a money order.
You can go on each site to find out cost if you have already ordered them within a year. It takes a little bit longer to get it but it does the job you need. |
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