 What is a good Credit Card? |
| OK I WANT TO START MY CREDIT GOOD! AND I WANT LOW FEES IM 18 AND STILL IN HIGH SCHOOL AND WITH A DECIENT JOB. I WANT TO GET LOAN FOR ABOUT 1500 DOLLARS BECAUSE I WANT TO BUY A MACBOOK. ANY IDEAS?... |
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 Somone has stolen my cash card!!? |
| I went away this weekend and the last time i used my cash card was on Friday the 24th. I returned home and not only was all my wages stolen (over £1000!!!) but they used my cash card to with drawl ... |
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 First credit card selection advice? |
| Hi. I'm a college Student. Currently looking to start building up my credit. I'm going to apply for a credit card here shortly and was wondering if anyone had any advice on any particular ... |
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 What do you do when you actually try to work with a creditor and they say no?? |
| i recently lost my job, and i called my main credit card (with the biggest balance and biggest minimum payment) to try and get them to break up my payment (i couldn't pay it last month, around ... |
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 I lost my debit card. I want to buy something online. How do I find out my number? |
| I lost my debit card. I want to buy something online. How do I find out my number?... |
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 Credit Card Debt..Are you in it?? |
| I know that my wife and I are paying out from under it right now and its difficult. I think that if you ask most people, they are probably ALL in some credit card debt! So... What about you?... |
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 How would you pay this debt. Advice Please!!? |
| I just received a check for my stock that is $3,700.00. Im 22 and want to improve my credit enough to get a loan in about a year to go to flight school about $40,000. My "plus" credit ... |
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 I really messed up, credit score is 504 and I really want to fix it but have no idea how or where to start? |
| I have 3 accounts that show as - bad debt, written off with an outstanding balance. Do I pay them, what can I do to get my credit life back on track or am I screwed forever can I ever recover from ... |
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 Need an emergency loan to pay for move in costs? |
| I'm recently seperated from my wife and we're getting a divorce. She kicked me out of our apt, and I'm at a friends. I can't stay here forever. I need at least $5000 for move in ... |
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 Bill consoladation,pro's and cons? |
| I'm a single mom with good credit standing. the problem is I have too many cards and my spending has gotten out of hand. I'm not in collections but my whole paycheck goes to these bills. I&#... |
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 Does anyone know where I can a $7000.00 loan from maybe a private lender? |
| I am trying to build my credit so i ca nt go through the bank and I am desperate. I need this money for my fathers ... |
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 Credit card debt? |
What happens if you just don't pay your credit cards and don't declare banruptsy..besides ruin your credit..what can they do to you?
Additional Details
My friend has 150K in CC ... |
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 How much credit for a home loan? |
| I am wondering how much credit I have to have in order to get a decent home loan. I only have one credit card. I pay it off on time and in full. I have spent maybe about $6,000 on it. I also had one ... |
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Armen E | How many points are taken off for requesting a credit report? |
I want to get a free credit report online, but I don't want to get dinged on my credit report. Does anyone have any info on this matter? Thanks |
 |
 
azjohn2001
 |
When your credit report gets checked, there are two types of inquiries that can show up on your credit report - "hard" inquiries, and "soft" inquiries.
When a creditor pulls your credit report after you apply for a line of credit or loan, this is considered a "hard" inquiry. This will lower your credit score, and will show up on your credit report for 2 years. These inquiries will also be visible when you apply for credit in the future. Having 1 to 3 of these inquires a year won't hurt your score much at all, but having 6 or more of these in only a few months will definitely hurt your credit score. Also, these inquires will have no affect on your credit score after 1 year has passed.
A "soft" inquiry is only visible when you view your own credit report. Examples of these are you ordering your credit report, or a creditor checking your credit report to see if you qualify for them to send you credit card applications (not initiated by you). These inquiries are only visible to you, and do not lower your credit score or affect you getting credit at all. You have nothing to worry about. |
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its not my time
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go to http://annualcreditreport.com
Checking your credit report doesn't hurt you. |
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efflandt
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The official site to get free credit reports is https://www.annualcreditreport.com/ or you can follow the link to that from http://www.ftc.gov/
Getting your own credit report does not affect your score (report is free, but it may cost extra to get an actual score). |
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wvumann
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If I'm not mistaken, I know once a year you can request a free credit report from a few different government sites, no penalties whatsoever. I would check into those. |
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DAS
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None. |
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Loren J
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good morning friend, my family got our credit report from a free service initiated by NHBS, Inc
take a look if you want it taken from here
http://www.newhorizon.org/Info/creditreports.htm |
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Debt-Professor.com
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Hi there, thought I might be able to help. There is only one place in the US to receive your free credit report, and that is www.annualcreditreport.com .
You are only allowed to pull your credit report once a year for free, and it doesn't include a credit score. (You'll have to pay if you want a credit score.
Pulling your own credit report here will not harm your score. If you have a company pull it, I have heard that on average it will ding you about 2 points for a period of about 60 days every time a creditor checks your report.
Hope that helps!
-Aaron Englert
The Debt-Professor
Do you have your free debt workbook?
http://www.debt-professor.com |
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Love Canada
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Why do you want it?
Why are Americans fascinated by their credit??
Just pay your bills as best as you can, and it is what it is!
(It's another way of getting money out of you) |
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