 I am trying to get back at credit card companies for sending their useless offers.? |
| I need more ideas. I already stuck trash in the business reply envelopes and stuck priority mail labels on them.... |
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| I want to open an account at the bank, but i not have the money to do so. Do you know any solution.? |
P.S i am from Egypt
Additional Details
i have a job i have a mony but bank account need a namber with 3 zero
Many of the answers are not really answers
It seems that it is ... |
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 I am trying to get a home loan? |
| I am trying to get a home loan and I have about 1400.00 of old debt on my credit that has to be cleared up. I am just findinf this out and we are suppossed to close on Aug 14th. I tried to settle ... |
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 Credit card bonuses, is spending $2000 for $20 a good deal? |
using my credit card, if i spend $2000 worth , i get $20 back, is that considered a good bonus? what are the typical bonuses for credit card the ones without any anual fees
Additional Details
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 I need advice on how to get rid of credit card debt.? |
| i have like 5 credit cards and half of them are nearly maxed out. i want to cut the balances down and then get rid or all but 1. how do i do it?... |
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 I need a unsecured bad credit loan of $6000? |
| i make 48k per and am suffering from bad credit due to old doctor bills when i didnt have insurance. At that my debt is all of $4k and cannot seem to get away from this credit issue. I have 2 credit ... |
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 Can credit checks alone hurt your credit? |
Ok people, this is a bit of a rant so hang in there with me....
I heard from a friend that when your credit is checked for any reason it casues your score to go down. The logic behind ... |
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 If you apply for credit cards and are approved, do you have to pay anything just to have them? |
For example, if i had a credit card and never used would i still have to pay a monthly fee or anything?
Additional Details
only reason why i want one is just in case of ... |
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 Is there a charge to get a credit card??? |
I am jus about to sign my credit card agreement and in the small print it says...
Total charge for credit
At the time the agreement is made : £257.78
Comprising intrest in the sum of ... |
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 What are some quick ways to raise my credit score? |
| I'm 19 y/o and I have three major credit cards. I have a credit score of 708 and I'm trying to get it higher. I recently applied for a loan but I need a co-signer. However everyone I kow ... |
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 How can I get rid of negative marks on my credit report? |
I have $2,000 in debt from collections and am going to pay in full this month. . What can I do / say / write to them for them to remove my negative marks??
THANKS!... |
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 Why do employers do a credit check? |
| I recently applied at fortunoff, and got to the second level of the interview, which was called an integrity interview, the lady said she will do a credit and background check, my credit isn't ... |
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 Help me to choose a Govt. bank(India)? |
i want following facilities
online banking(for viewing statement of account online)
Credit card facility
Centralised Banking Service
MICR ... |
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BRI | If a lender has made an incorrect entry on my credit file can i insist they remove it? |
I was charged incorrectly for a bill and i rang them to change it, they eventually did change it and i paid the correct amount in full but they made a mark on my credit file for the old incorrect amount showing it as a defaulted payment. |
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charlie
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Yes they have to do it under the Data Protection Act. This firm will be a registered data user and they risk having their rights to store data cancelled. |
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bittsen2000
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Yes. They are obligated under the Fair Credit Reporting Act.
In fact, if you don't like something they wrote, you can file a dispute with the credit bureau. If the lender doesn't file an adequate response within 30 days, the item is automatically deleted. |
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lyllyan
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Get a copy of your credit file - dispute the error.
Additionally, send a letter the lender, referencing the error, back it up with all your documentation (Show where you paid them the correct amount and date), demand they remove the error. |
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cmira4
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Yes you can insist. Write a letter to the credit bureaus, so they can make that part of the file, especially if the creditor continues to refuse removing the bad report. |
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Nicole G
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Yes. You need to send them a letter claiming the error and request removal of the inaccurate reporting, and if you have the proper evidence any negative reporting should be removed. |
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Sam Fisher
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Yes, they do.
It is a pain in the "****".
You have to get the creditor to send you a letter stating they have removed it. (you may have to write a letter to them requesting it)
Then you have to write (or go online for some items) each of the "Big Three" credit reporting agencies, and tell them that the item listed wrong and request them to remove it. They are required by law to contact the company that sent it in the 1st place & verify the accuracy. When they are unable to verify it (because the company that posted it removed it from their files) then it will be removed from your credit report.
I have included a couple of links that I think will help. |
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realestate_help
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Sure!... Do it in writing. |
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WPB_LV_AV
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Yes, you can change this. You can dispute this with the credit report company, they send something to the lender who has a certain amount of time to respond and fix this problem. If they don't fix this you can send a letter to the credit report companies with proof of your payment history (make copies etc) and CC the lender. That should do it. It's a pain in the rump to fix these sort of things but it's really worth it.
Good luck. |
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TwinkaTee
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Just order a credit report from one of the credit bureaus. At the end of the report is a form to dispute entries. |
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Flup
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It's incorrect and derogatory, i.e. libellous. Note though that the *lender* must do the correction: the credit reference agencies will not correct errors. |
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Taganan
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Do the request in writing and keep a copy of the letter. If the letter fails, call and speak to a representative. If the rep does nothing, speak to a supervisor. If that fails, look up the number of the corporate office and request to speak to the president or chairman [whoever is at the top] , settle for an assistant. If that fails, take legal action, because their error has done harm to you. Make sure it is completely erased. |
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Skyhawk
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Insist, hell, demand. They MUST correct any mistakes made in your credit file. If they do not, they can be held liable for any negative consequences (higher loan interest rates, etc)
Do it in writing, by registered mail. |
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mmszbi
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You can go the local credit bureau and file what is known as a consumer dispute. This dispute is then forwarded by the credit bureau to the lender. They then have 30 days to correct it or the credit bureau will remove it from your credit.
Good luck. |
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