 How do I get them to stop?? |
| Okay, so I have bad credit. That was six years and 3 months since my last payment to two credit cards. Both accounts have been bought and sold many many times over the past years, but now because ... |
|
 How long does it usually take for an error on your credit report to be resovled once a dispute has been made? |
| My husband's brother has several negative credit items, including two auto repos, that are showing up on my husbands credit reports....it is really holding us back as far as puchasing a new ... |
|
 Hi can someone plz help me(fake credit card ID)? |
ok i met this guy online and hes like a manga collector
and he has theses mangas that am looking for but i couldnt find in the internet , i had a deal wiz him abt sending them to me through ... |
|
 Collection agencies trying to get money from me? |
| I recently received a letter in the mail from a collection agency saying I owed $6,000+ for an old credit card I used to have. I looked at all three of my credit reports and that credit card is not ... |
|
 How can i improve my credit score...? |
| If I cannot recive anything on credit. Even though I pay my bills on time my utility company does not report to the credit bureau, nor does my current landlord. I was thinking to but a mobile home ... |
|
 EBAY QUESTION im not paying credit card or cheque but im paying by postal now how does ebay know if i posted? |
| the money or not do they give u a special envelope or do u send ur own please i need help with this im only ... |
|
 Verizon Claming a Debt from 11/00? |
| Can this, after so long be a negative on my credit report effecting my score? I live in New York (if it makes any difference). If I am not mistaken, a debt cannot effect a score after 7 years of ... |
|
 How long does it take for your credit score to improve? |
| I want to buy or finance a car but my credit wasn't good. But I've been paying my bills on time and some things should be gone from my credit by now. It was three months ago is that to soon ... |
|
 How low can I bid a settement of my debt to a collection agency and expect that they can honor it? |
| It has been 3 years since I stopped paying on my credit card debt, and the calls have stopped. I would now like to improve my credit rating, but feel the additional fees they had assessed are ... |
|
 I recently recieved enough money to pay off all my credit card debt? |
I want to pay off and close all my credit cards, will this help my credit at all?
It is pretty bad right now.
Additional Details
Everyone keeps saying to leave one open, however, I ... |
|
 If I get a credit card and never use it will it cost me anything? |
| I get points from a site that I'm a member of if I sign up for a credit card. I plan on getting the points and then cutting up the card. Will it cost me anything? will I have any annoying ... |
|
 Why does AVG say that its free and yet quote an amount to be paid monthly? |
| It is is entirely free can you please please help me to download it. Step by step. Thanks a lot.... |
|
 What is the difference between credit and debit cards? |
Please expound so i can understand it very well
Thanks.... |
|
 Can i take over someones car loan without taking out a seperate loan? can i somehow switch the loan to my name |
| the guy is still paying off his car with his original loan. this has a better interest rate than what I can get with a used car loan from a third party bank. can he somehow sign over the loan to me ... |
|
| How can I tell if a credit card company is for real or a scam? |
| I recieved info about a C.C., Orchard bankcard in the mail. Does anyone have a C.C. from them?... |
|
|  |
jacksmum | If I check my credit history, will it make my scoring worse? |
As in, if i do a credit check and then if a company do one after, will it be worse? Heard that the more checks you do the lower the scoring.... Please help XX |
 |
 
Michael T
 |
Checking your credit has not effect on your score. In fact, you should check your credit at least once a year or more. Identity theft often happens to people who don't check their credit often. You are smart by wanting to check your credit. I have found an excellent website that explains credit and identity theft in simple terms. You can check it out at http://www.your-credit-score.com . |
|
S Csparky
|
no i check mine a lot companys
that check you are listed its OK |
|
Cali-Gal
 |
If you check your credit score through one of the bureaus yourself, it is called a soft inquiry and will not affect your score what so ever. However, if you apply for a few credit cards and they run your credit, it will affect your score negatively somewhat. For mortgages and automobiles, there is de dupe logic where any inquiries made within a 14 day period will be counted as one inquiry. For example, you are shopping for a car and go to several dealerships and each dealership runs your credit during a 14 day period....although its several inquiries, it will only be counted as one inquiry and will impact your score by a few points (3 to 10 respectively). These inquiries are called hard inquiries. |
|
AnswersGalore
 |
No effect whatsoever |
|
iceman
|
No.. thats a myth,
Checking you own credit is a "soft" pull which has no effect on your score at all.
When a lender runs a credit check its considered a "hard
pull normally. Which may or may not effect your score. If its does it will only be by a couple of points.
But you can check your own score as much as you want with no effect. |
|
claimbankchargesback
|
No, checking your own credit file is a totally different procedure to a company thinking about giving you credit checking it!
The credit agencies themselves offer subscriptions, where you can check your report each month, and you advised to check it at least every 6 months to make sure that everything is correct, and to verify no one is taking out credit in your name (identity theft).
When your applying for credit, more than a couple of applications in the space of 6 months can lower your credit score. Because the result (whether your given credit or not) is not recorded always, it can look as if you are getting as much credit as possible, and to the lender it raises doubts as to whether or not you can pay it all back. |
|
beauty s
|
no..its only if some one else does |
|
gonzo
 |
No, you can check it once a year for free. |
|
♥Chastons Wifey♥
|
yes,checking your credit score can lower your rating.
Inquiries usually have small impact. For most people, one additional credit inquiry will take less than five points off their FICO score. However, inquiries can have a greater impact if you have few accounts or a short credit history. Large numbers of inquiries also mean greater risk: People with six inquiries or more on their credit reports can be up to eight times more likely to declare bankruptcy than people with no inquiries on their reports. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 28 minutes(s) ago
| | | |
9 | 46 minutes(s) ago
| | | |
5 | 2 hour(s) ago
| | | |
10 | 5 hour(s) ago
| | | |
10 | 8 hour(s) ago
| | | |
10 | 9 hour(s) ago
| | | |
10 | 10 hour(s) ago
| | | |
11 | 1 day(s) ago
| | | |
10 | 3 day(s) ago
| | | |
5 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
