 I got a check in the mail is it a scam?? |
| i got a check in the mail for like $2000 and i was wondering if it is a scam? i called the place and they said it wasnt but. but what would happen if i cashed the check to my loan company to pay my ... |
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 Best credit card? |
| Which is the best credit card has the lowest intrest and its really good?... |
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 Student loan and your credit.? |
| I'm currently in school and don't need to start paying on my student loan until six month after i'm finish school, my credit score is not too bad "700 " but i tried to get a ... |
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 What happens if your checking account is negative and you never pay them back? |
| I have a joint checking account with my parent that I opened 5 years ago and never closed it to get my parent's name off because Chase wouldn't let me unless my parent was there. My parent ... |
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 Help, Being sued for credit card debt? |
| Okay i've just recieved this letter in the mail today. I use to live in California but i just moved to Minnesota about a year ago. It's been about 6 months that i haven't payed for my ... |
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 Is it Discrimination If One Doesn't Qualify For a Job Strictly Because of Their Credit History? |
| My cousin qualified for a job that doesn't require him to handle money or company credit cards. He has the experience, and scored highly on all four tests that were given. But as soon as they ... |
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 I have a credit score of 420,will a mortgage company give me a mortgage for 50,000,i can put 20 percent down.? |
| are ther any other options other than mortgage company?i hope that my capital will prevail over my credit.... |
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 Obtaining credit card? |
| Can someone get a credit card with a beacon score of about 618 and some late payments? Just wondering.... |
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 Pay off credit card question..close account ? |
| Im going to pay off my Washington Mutual credit card this afternoon, ( esp 2500.00 ) after i pay off and get to a zero balance, should i close the account and cancel the card or just cut up my card ... |
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 Im 18 and i wanna build up credit. what kind of credit card should i get? |
| i just thought there might be a good credit card that i should get. secure and all that.... |
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 How old do you have to be to get a visa debit card? |
| work colleague has one who is only 16 and i think he might be lying to me as to its wherabouts.... |
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 Why is my credit score so low? Detail Inside.? |
I have a score of 544 and Im going to list the details about it.
2 public account
8 total accounts
PUBLIC:
1. Rental Management company for $440, it was paid same day as ... |
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 What do I do? The dumb cashier kept my credit card.? |
| Okay, so I went to a burger place earlier today and did drive-thru. The cashier forgot to give me a receipt and my card back, and I totally forgot all about it myself too. I guess I was prob. ... |
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 Whats a good CC for peoples like us? |
Wife and I have low to average credit, but are now out of all debt (except mortgage).
We are looking for a credit card that offers some rewards since we already use our debt card to pay for ... |
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thebayoffer | If I requested my first credit report (Experian) does that mean that I am not listed beforehand ? |
I am interested in using Experian for a credit reoport but I would like to know if by requesting my first credit report I am , in fact, letting Experian create a poor profile of me financially that otherwise would not exist? In other words would it be best to leave it a while until the point (on record) in my financial history is better ??
END |
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Time4AcuPPa
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By requesting your report, you are simply registering a "search" on your file in your own name. It does not affect your report in any other way and the information that you have made a search on yourself is not available to anyone else.
If you know your credit history is poor, then it is a good idea to check your report thoroughly and regularly to make sure that it is correct. Even the slightest error regarding financial history, registered addresses, etc., can and may affect your ability to borrow or finance anything in the future.
I am a member and check once a month and they send me alert emails when anything changes on my file, so that I can double check things.
If you propose to finance and borrow money in the future, it is always best to have as clear a history as possible as lender will do a search on you. If the lender decides not to lend to you, that refusal will be entered on to your file and be seen by the next lender who you apply to . . . i.e. bad gets worse unless you clean things up and only apply for credit when you know you will be accepted. Conversely, the more you are times you are accepted, the more credit worthy you become. |
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TallPaul
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Requesting a credit report does not reduce your credit rating. |
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leotard38
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No |
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hmacca
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If you have ever borrowed money they will have a record of you |
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cmiln01
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They already have your poor credit history on record thats how they generate report |
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alatoruk
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it is a credit HISTORY report.
if you have had credit, then it exists, if you havent, then it doesnt. nothing you can do will affect that fact. |
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Belladona Spear
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Requesting a copy of your report doesn't affect your credit rating. If you've had some form of credit before you'll already have a credit history. If you've not then whether you ask for a copy or not won't suddenly create a record. |
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Josh K
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Requesting a copy of your own credit report/score will not harm. The only time credit inquires count against you is when you apply for credit cards, especially if you apply for alot of them in a short amount of time. |
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andrewkes88
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Well, I would say NO! They allready as most have said, they have you on file already once you have borrowed money. But, in general, don't worry about it. Beacuse in the long run they are mainly wanting twice back of what you accually have taken out. Read rippoff reports, Credit History and what not is bunch BS. I feel bad for anyone that is not smart enough to check their own credit for free, it a shame that they are paying these so "Called Companies" to do their fithly work. You can check your own credit for free and not have to pay these companies to do so. I am not against them at all. I am amazed at how much people spend on this credit crap fest when they can find out for them selfs. There is no Science behind it. There basically informaercial's. These comapnies are like those scams from Africa. |
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