 Concerning auto insurance, why would your credit score effect your premium? |
| why on earth would your credit score have an effect on how much a person pays for auto insurance? i was told by geico that my rate would be lower if i had had a more "favorable" credit ... |
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 I have too many credit cards, is it OK to close some of them? |
| I have a credit score of 700 but I have too much credit. I have 7 credit cards and would like to close some of them. I have read that closing your credit cards is bad but is it ok to have so many ... |
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| If a business makes a copy of your Drivers License does that violate the Patriot Act? |
| Also is it legal for a business to make a copy of your debit/credit card? Any help you can offer would be appreciated.... |
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 Is it legal for a credit agency to lie to me? |
| I received a message at work from a person who said he was from AAA and I needed to give him a call. So I call him back figuring it had something to do with my car. He was NOT from AAA. He was a ... |
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 Im 16 did I already ruin my credit? |
| I got prepaid visa debit cards like account now, and babyphat debit prepaid rushcard. I just wanted if for the looks I never plan on putting money on it, can this ruin my credit. What will happen if I... |
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 Which will be the better way to raise my credit score? |
| I have one positive thing and one negative thing on my credit. The positive thing is a car loan that is in good standing. The negative is a hospital bill for $400.00 that is still owed and is ... |
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 I want to get a new car does my credit score have anything to do with that? |
i just looked at my credit report do i have to pay off these things before i can get a new car?? will paying them off get my score up??
Additional Details
ok i have 1 credit card for 242.... |
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 What bank will open me an account with bad credit history? |
Additional Details
nice 1 riff raff what bank did u use?... |
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 Credit card of deceased person? |
| My mom passed away and left a credit card debt. They have a house which soon they will default on. No equity there with today's market. No savings and insurance. We are in CA. She's the ... |
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 Why do people always throe away pennies? |
| Why do people always throe away pennies?... |
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 Should I pay off my car loan early? |
| I have a $20K car loan and am considering paying it off early. I have been making payments for the past 10 months, never late, and already have an great credit score (791), but I want an excellent ... |
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 Opening new credit card bad for credit (want to by a house)? |
| I am looking into buying a condo in the next 3-6 months. I have two credit cards open currently (both with 0 balance- one 3 years old and one 2 years old) and wanted to open a travel rewards card ... |
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| What's the best way to start building credit? |
| I am 20 years old and keep getting rejected for credit cards. The only way to get credit is to start somewhere...so where do I start??... |
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 How does a credit card work ?? |
I want to get a credit card but im 16 (for ebay) . I want to know how does it work do you get charged a certain amount each month or do you get charged only when you buy something ...?
Do ... |
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 How do I establish credit? |
| I need to establish some good credit in order to get a loan for school. What do i do to get good credit to get approved for the loan?... |
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Muah360 | Is Credit Repair legal? what is good and bad about it? |
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ronnlynn
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It depends what you mean. For someone to offer to "fix" your credit for a price, that's illegal. It is possible to clean it by removing false items if there are any and getting current on your accounts. |
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bdancer222
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If you've screwed up your credit, there are no quick fixes. There are lots of companies who will take your money but the only way to fix bad credit is to settle bad debt and build a history of on time payments. It takes years. |
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Dr. Deth
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No one can "repair" your credit - the only things that works is paying your bills on time |
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shelcom
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It's legal but it doesn't work. |
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Michael T
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Yes, credit repair is legal. It is by far the best option instead of filing for bankruptcy. If you want to find out more about credit repair you should look at the free articles on http://www.your-credit-solution.com . They even offer a free credit repair guide and a free sample credit repair letter. |
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Don
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Yes, it is quite legal.
Good - They can often get things removed that should not be there, occasionally they can even get things removed that should be there but they were filed incorrectly. They can sometimes add 100 points or more to your credit score.
Bad - They can be expensive, as much as $1500 and sometimes can't help your credit score very much, maybe only raising it 25 to 50 points. |
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hail_loki
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Yes it's legal.
Dont shell out big bucks for it, just go to your local bookstore and pick up a book or two on the subject.
There is nothing 'bad' about it other than it takes time, effort and often quite a bit of postage.
the good thing about it is that once you've repaired your credit, you will end up saving a good deal of money every time you need credit.
some other good things about it is that you could end up paying less for automobile insurance, find it easier to get a job, a car, pay less in interst in car loans, et cetera. |
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in +HIM+
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Yes, credit repair is legal.
The positives:
~it cleans up your credit
~it teaches you about how credit works
~you will learn how to avoid major credit blunders in the future
The drawbacks:
~not all companies are honest
~many want you to pay for a service that you can easily do yourself by writing letters
~some companies charge you fees on top of what you'd be paying your creditors
If you want some assistance, I suggest you find a local non-profit organization to help you. Any other type of company (usually for-profit) may not be a good fit. Here are some questions you'd want to ask before agreeing to work with any credit repair company:
1. What guarantees does the company offer?
2. How long is the wait for counseling?
3. Does the agency offer direct, face-to-face counseling?
4. How long will it take to achieve the desired results?
5. How much training do the counselors have?
6. What information is needed in order for them to assist you?
Be weary of any company that overpromises! If they advise you to dispute everything on your credit report, if they encourage you to get a new identity or SSN, if they ask you to pay a large amount of money before services are provided, or if they don't share with you your legal rights and what you can take care of on your own, it's probably an unreputable company.
Good luck! |
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