 Help!! I tried to order my credit report but it doesn't exist. How is this possible? |
| I just received a collection notice for a debt I definitely don't owe, but when i went to order my credit report on transunion's site, the system said it wasn't able to find my report..... |
|
 How do I establish credit? |
| I don't bad credit. I just have no credit. I've applied for credit cards and have been rejected.... |
|
 How to establish credit...? |
| i turned 18 in june so i have no credit i have been working for about a year and now i wanna start establishing my credit what would be the best way?... |
|
 Bankruptcy vs. paying off debt? |
| I am debating between filling bankruptcy and paying off my debt I have 12 - 15 delinquent accounts that have not received a payment (all charged off or in collections) in over two years including a ... |
|
 Anybody have experience with these credit repair sites. they promise take old medical bills off your credit? |
| they promise in as little as three month to erase most of your old medical bills on your credit report. Most sites charge $100 dollar set up fee and $30 dollars a month.... |
|
 Need emergency $$ ASAP, can't find co-signer or loan to cover. Now what? |
| Credit is bad due to divorce. Can't even find on-line company to fund. Need min $1500. No one in my family can help... no co-signer w/ good enough credit. No collateral worth enough. Desperate...... |
|
 Bad credit fix? |
| Is it better to pay off bad stuff on your credit or have someone like careone do it?... |
|
 I am still looking for $30,000 t pay off some bills and get caught up? |
I am looking fo a private person that can help on a one on one
basis
This would free up extra money and help clear up our credit ... |
|
 How do I find out who to pay? Debt collection? |
I have a debt and have not heard from the debt company for a while.
I know that this has been passed over to a debt collection agency but when they first contacted me I was out of work and only ... |
|
 Do you think any private lenders that give out personal loans are real? |
| I ask a question on yahoo about bad credit personal loan and my answers were some people told me about private lenders do you think they will scam me?... |
|
 Florida bankruptcy law.....? |
| Is there a minimum amount of debt owed in order to file a Chapter 7 in Florida?... |
|
 I applied for a credit card but it says "declined, no credit history." Why? |
| I recently applied for an American Express card and it said that I got declined because I don't have sufficient credit history and that the credit cards that I have have not been open long ... |
|
 I've been fraud!!? |
| this guy from Dubai sent me $4000 postal money order for something, i deposited in my bank. and days later, i got notice from bank saying it didn't went through...... i thought postal money ... |
|
 I just turned 18 and i have bad credit, looked up my credit report, and found i owed $91.00.....? |
| and i could not find a mailing address or phone number for the credit company that i owe the money to. Funny thing is, i got one notice a year ago and none since. Any suggesions????... |
|
|  |
nycgreekguy004 | How does a credit card company believe you work? |
so if one applies for a card...and lies on their application and get approved...how do the cc know? what if u dotn work but u just tell them u do? and u lie about ivome and ect..? |
 |
 
justsomeone
 |
they really dont know...whatver u tell them they never call the number..i mean think about it...do u think they call evry application? no way...they never did with me. |
|
opinionator
 |
Ever heard of social security numbers, W-2's and the IRS? They just check with them. If you lie and they find out they'll charge you with fraud. You'll be arrested and you could go to jail and/or pay fines. |
|
Muga Wa Kabbz
 |
Your records that indicate your spending habits e.g bank accounts, utilities, department store cards, SSN etc. The credit card companies nowadays don't really care if you work or not. They are more interested in how much money you can spend via your credit card. The more you spend on it, the higher your credit card balances.
In fact, the more profitable you are to them because they will make the most money out of you for keeping credit card balances with them. They will make more money from you in the form of compound interest accrued daily and pro-rata based on how many days you've kept the balances after the interest free, grace period/days. |
|
mypassions4life
 |
99% of the time they don't check. They only run your social security number to determine if they should give you credit. |
|
Willnotlietoyou
|
They don't really care if you work or not.All they want to do is to get your signature on that contract.If your not working,they may or may not ask you for a co-signer.That person will be responsible if you don't pay. |
|
clgirl
|
honestly i don't think they even check |
|
DAVE
|
they don't care they get their money anyhow |
|
OC1999
 |
There may be a very small percentage that does, but as a rule they don't. They just don't have the manpower to manually verify all of the applications. However, they will look at your credit report and see what your balances and spending/payment history is. That is you say you make $200,000(whether or not that is the truth) but your highest credit line is only $500 the chances of them giving you one much higher is small. Basically if you do lie but are paying your bills they really won't care. However, if you do lie and get approved for a high amount, you need to watch out. Because there is a very good chance you won't be able to pay for what you spent at some point.
Now this only applies to Credit Cards, any loan such as a Car Loan or Mortgage they have an entire department that goes through and verifies your income. Usually by asking for paystubs or calling your employer. |
|
Laissez-Faire Guy
|
They have no real concrete way to verify your income. Contrary to what The Liberal Patriot (an oxymoron if I've ever heard one), the IRS does not share that info with the credit card company, nor would your employer. I suppose they could call and verify your employment, but that's about it.
They do have access to your credit report, so they can see what kind of credit card balances and other loan balances you have. They really depend on your honesty and your documented credit history. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 6 minutes(s) ago
| | | |
10 | 20 minutes(s) ago
| | | |
9 | 27 minutes(s) ago
| | | |
7 | 2 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 4 day(s) ago
| | | |
7 | 6 day(s) ago
| | | |
9 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
