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 Question about a creditor/taking you to court? |
| June of this year i got a creditior calling me up and demanding 2k from me now. I asked what is it for he told me it was a capital 1 account open 7 years ago. I told him i dont recall that and i am ... |
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| I filed bankrupt about 2 years ago. I've considered contacting the creditors that were involved to see if they'd work something out with me as far as my paying these debts off. I'm ... |
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| What should I do about crediters threatening legal action? |
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 Home financing for credit scores of 480 and 580? |
| My husband and I would like to purchase a home but I just don't see the light at the end of the tunnel. We both have bad credit and recently had to be late on a couple of payments due to him ... |
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 Where do i report banking fraud id theft to someone is trying to open a transfer account with HSBC in my name? |
someone is stealing my I,D to open fraudulent bank transfer accounts.If i respond to the bank number it will activate the fraudulent
account how can i stop it,i cant't get in touch with the ... |
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 How can a teenager get a credit card? |
Additional Details
Can I shop online with a debit card?... |
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 Credit cards? |
can u pay ur credit card bill with a money order?
Additional Details
what is the best card to get for just turning 18... |
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 What should my disabled mom do about her past due credit card debt? |
| My mom has a past due credit card blance of $3,100 from one credit card. She got it right after my Dad passed away and for the first year she kept up with the payments but after that, the credit ... |
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 I have a credit card (balance was 10,800) that was just turned over to collections....? |
The collection agency is telling me that they/credit card company will liquadate my assets if I can't pay balance in full. I dont have that much money and can't pay it in full.
Does ... |
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| i was wondering how id be able to know if someone has a credit card under my name. my social security number was on top of my table in the lving room and i had a small gathering and so i would like ... |
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 Should I pay my credit cards minimum amount or should I fully pay it off? |
| Every month the minimum is about 15 dollers and I pay that off, making the full amount easier to pay in one shot. Should I just keep paying it off little by little or should I do it all in one shot? W... |
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ellen | How will my credit be affected if companies check on my credit standing? more credit checks lesser score? tnx! |
im a first time car buyer |
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Paul M
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FICO scores can usually identify "rate shopping" in the mortgage- and auto-lending environment, so that you are not penalized with multiple inquiries related to one credit transaction. To be safe, it is a good idea to do your rate shopping for a given loan within a short period of time. (Note that if you order your credit report from a credit reporting agency to check it for accuracy, it will not affect your score, as it is not an indication that you are seeking new credit.)
Suze Orman is awesome!!! |
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belle♥
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this link will show you the ways you can destroy your credit score.
http://money.cnn.com/2006/07/10/pf/credit_killers/index.htm |
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Reaper King
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it will affect your score a little bit. but that little bit may be the difference between an okay rate and a bad rate. as a loan officer I suggest to my clients that when shopping for mortgages or, in your case, a car, have them pull their own credit from all three bureaus. this way, it's only checked once and you can take it with you and either show the dealerships your score and report without ahving multiple inquiries into your credit. your credit report will only be "valid" for 30 days. after that most people won't accept it and will have to rerun your credit again. but 30 days is ample time to find what you're looking for anyways. so pull your own credit, again from all three bureaus. pulling from one will not be sufficient enough. and take it with you when shopping. makes things quicker and easier on all ends and saves your score. |
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snvffy
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Can you delay buying the car until you read Dave Ramsey's book The Total Money Makeover? It will change how you think about money. www.daveramsey.com
Good Luck |
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nman_64
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It will affect you negatively if you let companies check on your credit. Remember, if a company (where you want credit from) pulls your report and notices that you have had multiple credit inquiries in the past 6 months, it would point to the possibility that you have or are in the process of getting multiple loans/credits from all these companies.
This increases the risk that you pose to your creditor who might be considering giving you credit.
Solution: Do you research on what you want, before you go out to ask for credit. Do not have everyone pull your credit, especially if what they are offering you is not what you may be looking for. There are free credit reports which you can obtain on line at www.annualcreditreport.com. Use that ! You will see which are the companies that have been inquiring about your credit.
If there is something you see, that you don't know about, or disagree, dispute that with the relevant credit reporting agency. You can also OPT OUT of regular credit checks by calling 1-888-5-OPTOUT .
Unfortunately, you are responsible for your own credit ! You HAVE to help yourself, 'cause if something goes wrong, it will take you months, sometimes, YEARS to get everything back on track again .
All the best ! |
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Ralph M
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depends on how many check it, and how far apart the checks are-if the checks are being made within a certain time period it won't affect too bad
also as a side note, the only time it affects your credit is if you give them permission to pull your report. |
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gevorkm
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I would recommend you checking your own credit score and printing it out and taking it with you to the dealerships you visit. This way they will be able to see what your most recent credit scores are and unless you are absolutely ready to buy the car do not let them check your credit. They will more than likely tell you that they have to check your credit to see if they can qualify you for a good deal. However, if you have your recent credit report (less than 30 days old) with you then they will have an idea of where your credit score is. And yes too many credit inquiries will have a negative effect on your credit. |
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londonhawk
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If the transactions "inquiries" are all done within the same day, it will not negitively affect your credit score, this is a common business practice. If you were on the other hand, to apply for financing online with several different companies over a months time, this will effect your credit score. Multiple inquiries on your credit report indicate you are actively pursing credit, the more inquiries, the more active you are and the greater chane of accumaliting debt. Inquiries will remain for 2 years on your report.
Now, car credit is different than credit card credit, same with a home ... these effect your credit score differently. |
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SHASHA
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You can have about 5 to 7 checks on your credit before it will affect it. It depends have you had other checks on your credit recently. Credit card applications , new mortgage? Go to one of the Free credit report sites and check it for yourself. It doesn't affect your credit for you to pull it. |
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