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 Why do people use credit cards?
...


 After I apply for a credit card and get approved, when can I use it?
I am preapproved for a secured credit card and I'm going to take the notice to Bank of America and deposit money in there so I can use it. Will they give me a card number after I apply so I can ...


 Is it bad to have four credit cards?
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 If you have a bad credit score, what can you do to make it better or the scor5e higher?

Additional Details
I can't and won't get into too much personal detail but mainly it's been past debt that's gotten me into trouble with credit score. Also I wan'...


 What are the current laws on debt collectors calling cell phones?
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 If you pay of your credit card every month avoiding....???
..... interest does it build your credit the same way as not paying it off every month??

What is the BEST method of building credit?...


 I need help on which credit card i should apply for?
I'm a full time college student and I have a part-time job. I already have a bank account at WaMu, but I was wondering which credit card line i should apply for? I was thinking of either C...


 Why is it better to go to a credit union for a car loan, then the dealer?
if you have $20k down for a new ...


 What type of pre-paid credit card is the best to use?
For uses such as for online shopping and paypal?
and ones that are usually available in stores such as Cvs or R...


 Close credit card account or keep open and shred it?
Whats best for my credit?

I recently paid off a credit card, and I have a few more credit cards to pay off.

Should I close the account I paid off or keep it open?

I ...


 Credit question, 10 year old visa bill
i just had a call from a collection angency about a old visa bill i had its almost 10 years ago in the amount of 9,000 they said if i don't pay they could put out a bench warrent for me. is this ...


 Credit card enq?
hello wondering if any one can help just recieved my first credit card been to try and use it keeps saying bank declined it yet i used it yesterday at shops is there a different pin you use at cash ...


 Anyone know anything about Provident loans?
Im considering gettin one and would like a bit more information. Is £500 the maximum you can get for first time? If pay back early do you still pay the full amount? Do they do credit checks? What do ...


 If he doesn't pay will it show up on his credit?
My boyfriend just got a phone bill in the mail from 9 years ago. He didn't even know anything about it, and when he did a credit check a few months ago for something else, that wasn't on it....


 Can I do a bankcrupcy and add my hard money loan?
I have a hard money loan against my dads commerical property under my name and I cannot afford it anymore ...do you think I can do a bk on the hard money ? thats a lien against my dads commerical ...


 Can social security payments be attached for unpaid debt student loan or credit card debt?
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 Do credit repair bureaus really work?
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 Credit cards??
Do I have to have a bank account to get a secured credit card?...


 I want to file bankrupt is that a mistake?????
I was thinking that I should file bankrupt so that I could rebuild my credit in order to buy a home. Do you think that is a good move or not? I want to pay all this bad credit off but it is so hard ...


 What does your credit score have to be in order to qualify for a small business loan? I want to be prepared.?
I am looking to start a small baby/mother's boutique. The only thing keeping me from going and getting a loan is the fear that my credit score won't be high enough... it's sitting at 6...



caelie a
Is it legal to remove items from your credit report?
I am getting a credit card but I want to remove something from credit report. Is it legal to remove items from your credit report?
                     
 




alig
Well, if it were even possible. You cant just take something out of your credit report.


j_solano
yes


Blakenwite
It is legal to try. Sometimes it will work to appeal it but sometimes it doesn't. Keep appealing over and over and eventually some things go away but it takes time, even when the credit bureau or those who report to it make mistakes. It is hard to remove anything. Strangely enough it is harder to erase a mistake than it is to erase something that really wasn't a mistake but was negative. I'll take it anyway for all the times the mistake was theirs.

Keep trying. It doesn't hurt to keep asking. Sometimes it pays to hire a credit attorney. I did and in just one month, my credit rating rose more than 40 points on all three reporting agencies! Sometimes its worth it.


*sexy mocha*
Can you??


Green Eyes
I work for a finance company and we get consumer disputes all the time. The only way you can have something removed from your credit report is if you have it disputed from the company you want to have it removed from.
Like the debt was not yours, or you believe that it is fraudulent. Once you contact the 3 major credit bureaus they will then contact the company and they have so many days to fill out the form and if they don't comply within that time frame by law they have to permanently remove it from your credit report.
After so many years inactive things on your credit report fall off. Hope this helps a little bit.


Chele
let the rest of us know how to remove an item, because as far as I know you can't just remove it or even get it removed just on request alone ... they want proof from the company thats made the claim ... looking forward to the how you can do it part.


Roll_Tide!
Yes in fact you can dispute items in question or attach an explanation. After 7 years all bad items {other than bankruptcy} fall off. Make sure you remove the item from all 3. You can not have correct information removed, however most places if you challenge the report will not have time or energy to research it and it falls off anyway. By law any disputed item must be removed if it can not be verified within 30 days. Be aware however the credit reporting agencies are vicious about their "information" and will not make it easy on you at all. remember their livelihood is based on information and they get paid big bucks to provide it, you are nothing to them!


GIT'CHER SEXY ON!
Honey, if you "got it like that" and can or KNOWS someone who can do that-MORE POWER TO YA, BABY! GO FOR IT!! (...But "NO" it's NOT legal..)


Robert K
If it's there in error than no.

Otherwise it's there for a reason and you will need to provide proof of re payment before anyone removes anything.


QandA
Rating
you personally can't remove anything from your credit report. If there is something negative on your report that you want removed you need to contact the company that it's with and resolve the issue with them and try to get them to change it to reflect the positive resolution. otherwise you are stuck with it for years.


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