 What is the difference credit card and a debit card? |
| My parents are leaning to finally give me something which I can use to buy my own stuff. So, your answers will be great. Thanks!... |
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 U.K. or U.S.A? |
| which offers the best benefits to the ... |
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 $18,000.00 in debt and I'm only 22 HELP!!!!? |
| Having an unexpected child, having my appendix removed, my job closed for business, and going to school all at once caught up with me. Wasn't able to pay bills, so i got credit cards. I didn�... |
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 Does anyone know how to get an easy installment personal loan? |
| I am not looking form much, just 500-1000 dollars. I don't have that much of a good credit, maybe 550. I am trying to pay some stuff off so I can only have one payment and that will help my ... |
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 Credit Card Fraud.? |
| A paperless credit card I had for last 5 years was fradulently used for the last 18 months. As I use it very very rarely, and having used in Dec. 2006, I checked the e-mail statement. I was shocked ... |
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 Is it better for me to get a credit card or a debit card? |
| I've never used either one before. Should I start off with a debit card?... |
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 How do I build my credit back up? |
| I am getting ready to pay off my debt but when I do that I know my score will not go up by much. I can't get any loans because my credit is THAT bad. What can I do? I make my car payments but ... |
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 Can getting a American express card help your credit score ? |
| someone told me that they had a credit score of 580 and then they apply for a American Express Card ,and then there credit score went up to 620 , can that really happen?... |
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 Debt collection question? |
| I got a call from a debt collector. She said I could make a check payment over the phone. I told her my account doesn't have enough money in it to do that. My payment is due on March 12th ... |
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 What can I do about high interest rate credit cards? |
| Can I transfer my balances to other credit cards with lower interest rates?... |
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 My cousin looked at my checkbook and I think he wrote down my routing and account #?Is there anything....? |
| he can actually do with that?If he was to order something like on-line or something I would know and know where to find him.And if he was to try paying for a bill or something it would be traced to ... |
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 Does anyone know someone who is willing to provide a 15000 loan with bad credit? |
| i have been trrying to get a loan for quite some time but most of the companies either deny or require me to send the first four months first in order to qualify but i dnt trust sending the money ... |
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| Bankrupt?? |
| If I File For Bank rupcy will they take my house and my car if there not payed ... |
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 I just paid off credit problems in March, how long before it's okay to start applying for new credit? |
| I just recently paid off all of my credit problems and was wondering how long should I wait to apply for credit to attempt to re-establish my credit. Also, how long does it take to start ... |
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 Are there any benefits to paying off the debt that I owe? |
| What I mean is that I am hearing that negative information stays on your credit report for 7 years, even if it is paid off. So is there even a point in paying it off if it won't benefit my ... |
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jason b | How do you ERASE your credit history!!!? |
As a young adult, I destroyed my credit and went bankrupt. Afterwards I have 1 credit fraud and cant prove it wrong without hiring another lawyer. I need the bottom line secret to cleaning my credit report. Willing to pay to have it removed for ever...any takers? |
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jannie
 |
I don't think so unless you want to change
your identity |
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echo
 |
If it is actually identity theft, file a police report immediately.
Send the copy of the police report and a letter disputing that tradeline to the credit bureaus.
As far as getting a new SSN, as someone suggested, doing that is illegal no matter what state you live in !!!! |
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eloriarl
|
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc). You can get your first set free on an annual basis at annualcreditreport.com.
#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.
#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.
#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcr... for more info.
#5.) check out some of the posts on creditnet.com and creditboards.com for assistance.
#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.
#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards unless necessary.
This of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck! |
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chriswtj
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A lawyer will help you clean it up, but there is no way to ERASE it. Just move on and keep it clean from now on. |
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SheBiggles
 |
Not possible........sorry my friend! |
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doodledap
|
I know a proven method. Report you SIN card stolen to the police and get the case # they filed it under. Call the place you get a new SIN # and let them know your card was stolen and need a new one, they will ask for the case # from the police. They will try to give you the same number as your old one but you can request a new number because of the risk of identity theft from your "stolen" card. Now when you apply for credit give your new SIN and your credit will come up clean. |
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kc_brig
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there isn't one buddy, you just have to wait it out. |
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johnusmaximus1
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You can't. It looks like you have reaped what you have sown. |
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James H
 |
Have a look here. |
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lovely lady
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These people are idiots... I've done it several times and have A 1 credit. Instead of hiring an attorney you can send them a certified letter disputing the issue at hand. If they do not respond within 30 days then by law it must be removed from your credit. And if you live in a state like TX you can have up to 5 legal SSN#. If all else fails then get you another SSN and start all over. |
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bayareasportsfan
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They don't make a BIG enough eraser for that! |
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~∂Їβ~
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I'd just stick to improving it for now. Making payments on time, etc. That'll help |
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