 What are the pros and cons of a 0 interest credit card? |
| There are many credit card companies that offer 0% interest for up to 12 months. What are the pros and cons?... |
|
 First time credit card user- which one? |
I've never had a credit card before and I am going to get one to begin building my credit (I'm way too old not to have one!)
What card do you have? What do you like about it? W... |
|
 Usually what would happen after canceling a credit card and use it after cancelage? |
| Today. I happend to have purchase some item on a credit card i have canceled earlier. I had forgetten i canceled it and really at the moment im not sure whats going to happen. And its not my credit ... |
|
 Best way to get out of debt, for a college student? |
| I'm finally down to one credit card with a balance of about $500. I know that may not seem like much, but I cant seem to pay this one down because of the high interest. I haven't received ... |
|
 If I claim bankruptcy will my school loans be included? |
| I have about 12k credit card debt they i have not paid in about 5 months and aprx 35k school loans. I was out of work and unable to pay my bills so the intreast killed me(cards started at 8k), I ... |
|
 Prepaid credit cards for youths? |
hey guys,,
i'm starting to shop online and use ebay and i'm a little bit paranoid about use my or my parent's credit cards. does anybody know of any prepaid credit cards that a 15... |
|
 What does it mean when they ask you to pay the minimum balance due on your credit card? |
| I just got my first ever credit card and am expecting my first bill next month. My credit card company says that I'am expected to pay the minimum amount, I'm new to this so can someone ... |
|
 Goodwill letters to old credit card companies in hopes of improving credit score? |
| I was thinking about writing goodwill letters to CC companies that has impacted my credit score in a negative way. I was delinquent on these accounts and that's what has hurt my score. I'm ... |
|
 Why can't I get a higher limit? |
| My parents filed for bankruptcy and are still able to get a credit card with $5,000 limit. When I apply, the most they will give me is $500! (if they approve me at all!) My credit score is between 665... |
|
 How do I clear up a bad check? |
| I wrote a personal check to and apartment complex. I had a stop payment put on it. Now they consider it a bad check. When I pay the check off and the fees is there anything else I have to do.... |
|
 I'm only twenty and in debt over my head? |
| When I graduated high school I was in an abusive relationship. Five years my senior, he convinced me to get credit cards he maxed out, and then forced me to drop out of school. I got away with much ... |
|
|  |
BlackThought | I signed up on freecreditreport.com? |
How do i know if I was enrolled in the 30day free trial subscription? Do they automatically enroll you in that when you check your credit score? |
 |
 
Graduate Assistant
 |
Yes, you're enrolled. Make sure you cancel the service or you'll get billed.
Next time, go to annualcreditreport.com. This is the site where you can obtain a free credit report (with no strings attached) from all 3 of the major credit bureaus. |
|
Judy1
 |
Yes, they automatically enroll you in the "free trial" period, and will automatically enroll you in the pay program if you don't cancel exactly according to their rules. |
|
heysifti
|
I think they do. Make sure that you cancel whatever you enrolled in within the 30 days otherwise you'll be billed for the service. Next time use annualcreditreport.com it really is free. |
|
Erik W
 |
It automatically gives you the free 30 day trial. How they make their money is when you forget when the thirty days have expired. You remember that credit card # they made you enter when you signed up? Yep, they charge that the $9.95 or whatever after 30 days if you don't cancel.
If you do not wish to be charged just call their 1-800 number when you get a chance and cancel your account. |
|
Madame Blueberry!~
|
annualcreditreport............is free. no catches.
You can order your credit report, even look at it online, once a
year.
The freecreditreport , while I hate to use the word scam, is a product that is poorly titled. Sure they give you a free credit report (which you can obtain for free from annualcreditreport) but what is a service that monitors your credit report for you to alert you if there is unusual activity going on in your account which MAY signal ID theft.
If you think you are the victim of identity theft you can call the credit reporting agencies yourself and having them put a flag on your account........which means that if anyone tries to open an account in your name they will have to notify you first.
Furthermore, if you have a good credit card company, they will notify you if they see unusual spending patterns as a red flag that someone might be using your credit without your knowledge/permission.
Hey why can't you monitor your report yourself? Order a copy annually (if you apply for credit and get turned down, by law you are entitled to a free credit report) or purchase one they're only about $13.00...........not enough to break the bank.
If you accept that 30 day free trial subscription, they will, by default start billing you on the 31st day...........unless you opt out before the end of the 30 days.
This is a general rule of thumb. Most people dont' realize that if you don't contact them yourself before the end of the "free" trial that this is what happens. They already have your credit card number, and it is alot harder to get that changed after it's been initiated than it is to contact them in the first place and make sure you don't want it.
Good luck. |
|
Amanda
|
yes you will be automatically enrolled in triple advantage... |
|
Heron
|
Yes. This info. is probably included in the fine print.
https://www.annualcreditreport.com/cra/index.jsp is the website to use to get your credit reports for free with no strings attached.
"If for any reason you are not satisfied, you can cancel anytime to discontinue your membership to Triple Advantage Credit Monitoring and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month's paid membership fee. To cancel, please contact Customer Care at 1-877-481-6826."
-- http://www.freecreditreport.com/FAQ.aspx |
|
ajw
|
You don't have to use freecreditreport.com. You can get a free report at each credit report agency. TransUnion, Equifax and Experian |
|
Duane
|
Yes, you will automatically be enrolled in the free trial period. But why not use this service to keep track of your credit? I did because my ID was stolen and if I had credit monitoring i could have headed this off at the pass!
I had to declare bankruptcy after that and I still got my score up from 486 to 730 in a little over a year! Does your credit report contain any negative items? Are any of these Innaccurate, Misleading, Incorrect or Unverifiable? If so, keep this service and clean up your credit if you need it!
Most people have a 76% error rate in their reports and these should be challenged and contested! you could even get them removed! If you crdit report looks good, great keep it that way! Go to my website and read it all because after what I had been through, this is an area I know something about! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 16 minutes(s) ago
| | | |
9 | 41 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
9 | 5 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
9 | 11 hour(s) ago
| | | |
4 | 2 day(s) ago
| | | |
9 | 6 day(s) ago
| | | |
9 | 2 week(s) ago
| | | |
9 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
