 Just got approved for a capital one credit card? |
| OK, so if you read my past questions you can see that I have tried desperatly to get credit to buy a PC from for School. so Capital One approved me for a credit card after I got one of their letters ... |
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 Credit Debt? |
Is it true that if you dont pay your credit cards bill for 6 years they just take it off your credit report and stop asking you for the money, cause its unsecured line of credit???
Cause ... |
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 What's a good credit card for an 18 year old to start building good credit? |
| I'd really like to get one, because I know how to not abuse it, and I have the money to pay it back. Thanks.... |
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 Strange Debt Letter Help? |
| I received a letter off a debt collection company this morning saying I owe them nearly a thousand pounds, and unless I sort it out they will start bankruptcy proceedings against me, after they have ... |
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 Debt collectors? |
| Hi i say on the news about zombie debts on how they are agressive. well I have one of them harrassing me on a debt from 1994. The orginal balance was 400 bucks and now they want 18k. I told ... |
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 Paying off old debts? |
Hello everyone,
I have debts from the last several years.
But my question is, is it better to settle on a debt if the collector is willing to, or pay off the entire thing?
... |
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 Where do I get a prepaid mastercard without having to apply and fill out forms? |
| I am 14 and I want to buy a particular item online but I havent got a debit or credit card and my mum says I am not allowed to get it I have got the money needed for the item all I need is a credit ... |
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 Capital one keeps reporting on my report even through its charged off when will it come off my report? |
Additional Details
so even through they keep reporting it will come off 7 years from when it was charged ... |
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 Should i file for bankruptcy? |
| i have over $13,000 in debt, including medical bills, credit cards, and student loans... my minimum payments each month are averaging just under what i make monthly. i'm barely scraping by and ... |
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 What is the reasoning for employers doing credit checks before hiring? |
| and can you refuse it, and can they not hire you because of a flaw on your credit- and how much weight is actually placed on a credit check for a job?... |
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 Credit collection? |
| I have a collecting from Palisades Collection LLC that is on my credit report. My current score if 650, not good, but not horrible. I am trying to raise my score. the collection is from Alltel for 300... |
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 I rent a room from someone and I love it but their credit card company is harassing me.? |
| I rent a room from someone that I know personally. I love living with them and they really need the extra money. So please do not suggested that I just move out. The people that I am living with ... |
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 Trying to repair bad credit. need a major credit card approval to start building.any suggestions? |
| i've never had a credit card before, but have been told if i establish good credit with a card company it will begin to repair my bad credit.my bank declined to give me their in-house visa. are ... |
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 I have lots of Credit Cards? |
I have a few credit cards from sears the bay ect ect
Will closing them make my credit score go down?... |
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 When you write a check, how long is it good for? |
| Example: If I write a check on Sept 1st, can someone cash it still on Nov 1st?... |
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 Credit card offers...is it safe to toss the entire envelope into the trash? |
| I get them in the mail every day. Sometimes I let them accumulate and then end up opening up every single one so i can rip them up and throw them away. Is it safe just to toss it away without ... |
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 Credit Debt Question??? |
| I have about $3,000 worth of credit debt. 4 of them are past due and 2 went to collections. My mom is paying them off for me. (Long story, and I know its embarrassing) How long will it take for my ... |
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GAP | I was denied credit 10/5 by two firms, based on Equifax credit report, need explanation of who and what for? |
On the report from the denied credit firm, it only gave debt amounts from Equifax and no names. I paid off all my bills at the end of 2005 and early 2006 and only have two debts, outside the two mortgage payments. What can I do to get the info and get my credit report updated. I can't get the free credit reports, because someone has already used my name and they say I have already requested th "free report". I have not requested that report this year. Are there any options for me/ |
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Ralfcoder
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Buy a credit report. They aren't that expensive. It seems like a cheap cost to fix what could be a big problem if you let it go. |
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KL
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Everytime you get denied for credit, the lender denying you is required to send you a letter that will allow you to attain a copy of your report. If the lender has not sent you this letter, request one ASAP. They are required to do this by law. |
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pb_pony
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You can get a free credit report ANYTIME you have been denied credit.
You have probably had your identity stolen by the person who asked for your credit report. |
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Not Laughing w/ U
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Anytime you are denied credit based on information contained in your credit report you are entitiled to a free report from the agency or angenies that reported the information. You should get a letter from them soon stating that very thing, because when you are declined a letter is automatically generated and sent out from the credit bureau.
When you get the letter either call or write (writing works best) your dispute to them.
If mailing include:
Copy of DL
Copy of recent utility bill with your address
Copy of page w/ disputed item on it
Letter stating your name, ssn and DOB, acct. you are disputing and why you are disputing it.
All things mailed should be sent Certified, Return Receipt (cost $4.48) |
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bostonianinmo
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If you are denied credit based on the information in a consumer credit report, you are entitled to a free copy of your credit report from the agency or agencies that the lender received the information from. It should all be explained in detail on the denial notice, including the toll-free number and mailing address of the credit bureau whose report was used.
This is NOT the free credit report that you are entitled to through http://www.annualcreditreport.com It is a totally separate entitlement. |
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cfoxwell99
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Some credit card companies send a response on why credit was denied. It usually comes in the mail about 2-3 weeks after denial. |
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SAM M
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Check on equifax.com |
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bic
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i think you might be able to get a credit report from your bank. however it takes a while to get good credit back |
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Disney Fan
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You can request a free credit report by the 3 credit companies once a year. Call them. Here's where to find their numbers. This will give you the information you need and if anything is wrong on your credit, call a dispute it, but I think they need that in writing. If you think your identity has been stolen, let them know that too. They will work with you.
http://www.transunion.com/
http://www.equifax.com/
http://www.experian.com/ |
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