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 Im told I have a lousy credit score for various reasons but Ive never had a credit card. How can I get one?
Im not in debt now and I own my car paid in full.The only ones ive been offered are insured or secured cards and I see them like a debit card.Will these cards proper use be the doorway to a real ...


 What if a collection agency sends you bill after bill after month after month and you don't pay?
Will they take you to court? I have this big bill of like 700 some odd dollars that I can't pay. If they can send you to court, how long do they wait?...


 Is this credit fraud and what could i face in court?
my dad and i have the same name. he allowed me to use his credit card to make a 5k charge while i was still living at home. i now live in another state and he now is threating to press charges. its ...


 What is special about Platiniun credi cards?

Additional Details
I mean credit ...


 Has anybody ever used a credit repair company?
In particular a company called credit for all or any other repair company.They say they can remove bad credit from your file mainly because most of the finance companys dont keep great records thus ...


 Pay off my loan early or go on holiday this summer?
...


 Does identity theft have a connection with car theft?

Additional Details
lets say you leave your credit card inside your car and your car gets stolen....


 Fico score of 683, but Wells Fargo denied car loan. Can I get a pre-appro. loan elsewhere?
Fico of 683, but WFargo denied me a pre-approved car loan due to bankrupcy 4 yrs. ago and a charge-off on a car loan to another bank 6 yrs. ago. My credit since bankrupcy is great. I have three 8.9%...


 I have a low credit score. What can I do to raise it?
I've heard you should get 3 credit cards and make all payments on time. Is this right?

Also, what if I get 3 credit cards, and just never use them? Do I have to have current ...


 I only have a debit card and i want to build up my credit...What should i do?
...


 Credit card question?
I have a credit card through chase, the chase freedom card, comerica visa card, i am looking for another one to build my credit up, i applied for an american express card and they denied me, i was ...


 I claimed bankruptcy but wasnt smart enough to take my gf name off the Visa now she owes $4,500 what can I do?
I claimed bankruptcy, but wasnt smart enough to take my gf's name off the Visa, now she owes $4,500, and are threatening court action if she does not pay in 10 days. What options does she or I ...


 What's the best way to get credit?
I want to ge ta credit card and can't what's the best way?...


 Advice needed. I feel hopeless, but there's got to be a way out. Any ideas for a strong future?
My goal is to own a consignment shop. I defaulted on my college loans years ago, but have been paying them off with no late payments. My college loan is my ONLY debt. (no car payment, no credit ...


 How do you check the balance on an american express gift card?
...


 Is there any difference between a Mastercard and a Visa Card?
...


 Is my credit good for 20yrs old?
I am 20 years old and have a credit score of 735 from the big 3.

I have a no debt and 7 inquiries on my credit report.
On my report is says I have a debt of 1900 but that has been ...


 Do you believe it ok to file bankrupcy?
im 14 and i have to do a project for skewl and i need to get people ...


 I need help?? i co-signed for?
I co-signed for my sister.And she still hasn't made a payment.I got a letter today saying how much she has to pay.My question is is it me and her getting the bad credit or is it just me? I am so ...


 First Time Credit Card! I don't want a very large credit limit and i want to choose my design. Please Help!
This is my first time trying to get a credit card. I am trying to be as careful as possible because I dont want to ruin my credit at only 19 years old. Im looking for a credit card that I can choose ...



Mr. cool
I was refused credit by a credit card company. Can I get a credit report for free ?
Can i get my credit report for free if i submit this credit refusal letter to the agencies? Thanks
                     
 




cillybeen
You should have gotten a phone number from the refusal letter to contact the agency that reported your information. If you didn't, you can go to annualcreditreport.com and order copies of all three of your reports. You are able to do this once a year for each report within the US. Good luck!!!


splotchcat45
yes. There are three major credit reporting agencies. They are required by Federal law to give you one free credit report a year. You don't have to sign up for any credit monitoring service as you may see or hear advertised.


sdhousekat
yes in the denial letter it tells you how to get once but if you go to www.myfreecreditreport.com you can get you credit report for free every year!


Pam
Rating
Yes....everyone is eligible to get a free credit report from each of the credit reporting agencies (Equifax, Experian, Transunion) through www.annualcreditreport.com. You can choose a report from one or all of the agencies.


H
You cant submit that letter but there is a goverment based site that lets you check your credit report for free once a year.
https://www.annualcreditreport.com/cra/index.jsp it will give you access to all 3 agencies.


Barkley Hound
You can but it is easier to just go http://www.annualcreditreport.com

You can get credit reports from all three agencies once a year for free. There are no hidden conditions.


bbysn
Rating
yes, you must do it within 60 days of receipt of letter. Note however: that you can get your credit report free from all three agencies one time per year (regardless if you have applied for credit or not). So 1st qtr choose equifax; then midyear choose experian.. etc... here is the website: www.annualcreditreport.com.


Mariposa
Yes, you may obtain a free credit report from the bureau the company used. All of them have online sites now and if you see inaccurate info, you can dispute it online. You get the report, but not your score.


sparky_12s
Rating
Yep. You are correct.


B G
Once you obtain your first credit account, you are allowed to go to annualcreditreport.com and get a free credit report every year as allowed by law.

Go to the Federal Trade Commission web site (ftc.gov) for more information.


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