 In need of a personal loan and I have bad credit? |
| I am in need of a small personal loan for $6000 to help pay off some bills and help my family move. I do have bad credit and have tried all different websites, even prosper.com, and they would not ... |
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 Credit Card? |
| I just turned 18 and was wondering if I would get approved for a credit card? Or is it just a waste of time to try? Don't worry, I'm not going to screw myself, I DO have the means to pay it ... |
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 Law firm contacts me and says they are suing for a credit card debt? |
| My roommate had bad credit and purchased a couch under my name, proceeded to sell it on Ebay and then gamble the money away. Now a law firm has contacted me saying they are suing me and I will be ... |
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 Wow! I just discovered we owe $13K! HELP!? |
Hey, I need a little advice from soneone who has been in a similar situation.
I recently discovered we had an old credit card that had not been paid off, and the account has been adding interest ... |
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 What are the benefits of transferring credit card balances to new credit cards? |
any advice for me?
Additional Details
have you done this, was it a good thing or bad thing?... |
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 How long does money come out of you bank account after using chip and pin? |
| I used my card on Saturday with chip and pin and the moneys not yet come out, its now Monday. How long does it normally take?... |
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 Will I be charged for this?? |
| I wanted to take a look of my credit report. I went to annualcreditreport.com and could only get experian. The other two...it said the system could not recognize my information. So I to request my ... |
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 I need help finding a legitimate credit repair place? |
| I have horrible credit, I think at 435 or so. I was a stupid 18 year old and got credit cards and never paid them. Now I am more responsible but I can't be approved for any kind of loan (home ... |
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 Ways to rebuild your credit score? |
| My friend has bad credit and had asked me how to rebuild their credit. I wouldn't know because my credit is relatively good, doesn't need improved. I don't know what to tell her really,... |
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 If I pay off all my debt by today? |
How does it take to show that I'm up to date? and how long does it take for my score to go up??
Thanks for your ... |
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 So my bank pounded me w/ overdraft fees for charges less than 2 dollars!? |
| i already called them and they told me that they couldnt reverse it b/c this has happened before and they reversed some charges for me in the past. but the bottom line, is it is BULL that the only ... |
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 I have bad debt how long will it take to own a new house? |
| I just started to clear all my debt... i soon want to get a new house.. what can i do to increase my credit score? how long will it take me to own a new house?... |
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 How does a Credit Card work? How can i get one? |
A friend of mine just touched 18, and the first thing he wanted to do is to get a Credit card and he doesn't know how the credit system works. Please Explain.
Additional Details
Al ... |
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 Paying off debt...? |
| So here is the deal. my fiance and i have a baby due jan 6th, 2008. we would like to try and pay off as much of our debt before then as we can but we need to decide what order to pay things off in ... |
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 How rude can a collection agency be when contacting a debtor's employer? |
| I answer the phones at my work and get a lot of collection calls for one of our drivers. They never say they're a collection agency, but it's mighty obvious when they accuse me of lying ... |
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Jacqueline | Is it true that everytime you request a credit report, few points are deducted from your score? |
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rainydaydreamr
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no. checking your own credit does not affect you. but what would make your credit score look bad, for example, is if you went car shopping and let them check your credit at every dealership you testdrive at...don't let them check it til you are seriously ready to buy. and they can't legally check it until you give them permission to, but some will, so make sure they know that you know it is illegal. you also wouldn't want to apply for every credit card offer that comes along. it makes it look like you keep applying because the first people turned you down. you can go to citibank's website UseCreditWisely.com for some other important things, too. |
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jen
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Not you, but every time a company looks up your credit when you apply for it yes. Say you are applying for credit to buy a new vehicle not only will each company trying to approve you look , but the others can see who you have tried to get approved through. |
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Unknown
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That's what I've been told by an expert in the field. |
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richtorres_2000
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YES THIS IS TRUE, THATS WHY ITS WISE TO CHECK IT EVERY COUPLE OF MONTHS BUT MORE THAN THAT CAN CAUSE YOU HARM |
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Always Right
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Yes. It is also true that every time you apply for credit, and THEY check your report, it takes a few points off as well. |
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MojoMan
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Yes it is true, but if you are shopping for a mortgage or an auto loan and as long as the credit pulls are within 2 weeks you are only hit one time. The credit reporting agencies know that people will shop. |
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5150
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Depends where you are getting your reports from. You can subscribe to their services ( 9 dollars a month ), and pull your own credit every 24 hours, and it is a "soft" inquiry, meaning it doesnt count as a real inquiry and doesnt show up as one.
www.creditexpert.com ( experian)
www.truecredit.com ( trans union )
www.equifax.com ( equifax)
you can evern buy all 3 reports from just one of these services, for , I think it was 19.99 a month , all with scores . Same rules apply, inquiries dont show up, and you can monitor your credit yourself. |
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cent188
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No. When your inquiring about your credit through credit bureaus: equifax, experian, and transunion you don't lose. But if you apply for any type of credit you will lose points. It can really jeopardize your credit score. So check your credit through the listed credit reporting agency before applying for any credit. No your credit score |
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themomok
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No, it is true that it deducts points when you APPLY for credit (new loans, increased loan amounts, credit cards, etc.), but it is totally ok for you to go to the reporting agency and pull your own credit record. Do it as often as you like!! |
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lazyboy972
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ture |
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sawhorse44
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No, only if you apply for a new card. Your requests do not count against you. |
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sweetlovinaries1978
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This is true. It wont really hurt you unless you are requesting for credit every month. There is a site Privacyguard.com that you can get your triple report and score and since its yourself pulling your credit it wont take points away. Check it out! :) Even has a what if simulator. You can play with it to see what could happen to your score depending on what you pay and do with your credit. |
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