 Does it hurt your credit score when canceling credit cards? |
| I have no debt on any of the 3 credit cards and I have no use for them so I wanted to cancel them and open just one card, basically centralizing my credit cards. But when asking if it would hurt my ... |
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 What do you do with unwanted mail solitications? |
| Sometime I just send back their return envelope empty. Let these credit card and insurance companies pay for the return postage.... |
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 Bad credit, home loan? |
| i have a judgement for $4,500(from a lawyers office that handled my old credit card debt) and i want to get a home loan. is it possible to get a home loan for about $130,000?... |
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 What happens to a car when the owner dies? |
Additional Details
my stepdad passed away and was the only one on the loan can they make my mom pay the rest of the ... |
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 What is Paypal and how do I use it? |
Okay what is Paypal and how do I use it??
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Thankies to all of you how helped me :D... |
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 I need a $10,000 loan, but I have no credit!? |
| I'm 21 years old, and my parents have offered to buy a house for me, and I would be making the payments back to them until the house is paid off. However, I need to come up with the downpayment. ... |
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 How Do I get good credit...? |
| I have bad credit.... mostly from overdue bills or past due bills. How do I straighten that all out without using one of those credit counseling places? Any help would be great.... |
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 Payday Loans?? |
| Okay, I really need about $100 because I had my grocery money, but lost it, and I have a child to feed..so it seems the only choice I have is a payday loan..so are there any out there that are legit? ... |
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 Can minors be responsible for bad credit when it is their parent's fault? |
| I am a minor...15 years old to be exact , and I am wondering can i be responsible for all the things my mom has done with my credit like putting utilities under my name...borrowing books and ... |
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 First time home buyer? |
| I would like to buy a condo, but my credit is bad. My score is, 567. I have no debt now, but i was stupid and had late payments, defaulted on a student loan, never had a credit card. Aside from my ... |
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 Does co-signing on a loan hurt your credit score? |
| My husband was going to co-sign for a student loan but he's worried it will hurt his credit. Can someone justify his worries?... |
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 What are the best credit cards for college students? |
| I'am starting my second year of college and after I pay all my fees I really dont have much money left for books and such whats a good credit card with at least a 500 dollar ... |
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| My mother has a lot of credit card debt and asked me to research debt consolidation.? |
| She has over $25,000 of debt and has trouble making the minimum payments. We do not own a home and pay rent and auto loan monthly as well as the usual expenses. I looked at debt consolidation loans, ... |
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 What credit card should I pay off first? |
| Hi I am serious about paying off my debt. I have heard it's better to pay off the cards with the highest interest rate, but the cards with the highest interest rates also has the lowest balance.... |
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 Will starting a debt management program ruin your credit score? |
Additional Details
I have a decent credit score and have never missed a payment. However I find that I have to borrow from my credit cards to pay monthly bills. I am starting a dmp as ... |
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 I receive an email from company called:The Free Lotto .that said i won lotto prize. it can be real? |
| I receive the email that inform me won a big money prize from england.is it can be real or a kine of joke?how can i know this?... |
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 What's a good credit card to get? |
| My Sears card is absolutely horrible with their interest rate. I am going to pay off the remaining balance and try to get another credit card. I woudl love to close out Sears but I was told through ... |
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Critical_of_Idiots | My Credit Report is incorrect. How do I go about fixing the discrepencies that are on it? |
There are a few things on my credit report which were taken care of in 2003. Anyone know what I need to do to fix this? |
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wont_cook
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Experian are the UK's biggest credit reference agency, they can give you a report and allow you to ammend it, just about all credit companies use this one to judge your credit worthyness.
http://www.experian.co.uk/ |
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super_star
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You need to find out which credit reference agency the company who brought this to your attention used, then contact that credit reference agency and ask them to update their records.
If you don't do that, and you leave it, those things will be on your Credit Scoring for 7 years.
The Credit reference agencies, do not remove anything unless prompted to do so, by the individual. |
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Star
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write to the company you originally obtained your credit file from. They will take up the matter up with the relevant agency. Or you can dorectly contact the lenders and ask them to correct it for you. |
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Lewiy
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Write to the company who produced the report explain the exact situation and they should be able to get this amended for you. |
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Michele R
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As said write the letters, but in doing so, you need to make sure you keep copies of what you have done. Be aware of all that is on your credit report and what you have done to repair it. If you should ask for a loan and you are well versed as to its contents it will help not only in getting a loan but maybe the interest rate as well.
OH, also be prepared to write maybe more than just one letter, I in the past had to write several to clear up a matter with a company.
Good Luck!! |
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MSMORTGAGE
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Even though you can "take care" of defaults or ccj's unfortunately they stay on your credit file for 6 years, once you get a ccj (satisfied) it is not removed - so in future don't bother paying them you don't get any brownie points for paying once they are ccj's in our credit scoring system. Sorry sweet your stuck with em until 2009. |
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bostonianinmo
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Follow the instructions from the credit reporting agency. When you pulled your report, it included detailed instructions on how to challenge incorrect items.
Keep in mind that if you cleared a charge-off or paid off an overdue account that it will still show up on your credit report. It should reflect the status as paid, but the negative history will still be there for up to 7 years. You can't change that. |
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kitten3
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I tried that - it's a whole world of pain. I wouldn't even bother!! |
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Quietman40
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You need to write to the credit reporting agency you got the report from, and provide them with proof the items you are disputing have been cleared. |
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Nathan
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I don't care much but try this web link: |
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Nutty Girl
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You need to provide evidence and send to the company that is holding the credit information and they should put it right. |
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Avatar the last airbender
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Mosts credit reporting companies let you dispute items listed on your report. In many cases you can do this online. Just go to the website of the company that produced the report. Type in the report # and go through the stept to dispute an item. You can also call them. It is actually pretty simple.
https://www.annualcreditreport.com/cra/index.jsp
has a lot of good info
good luck |
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Chimp
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try www.checkmyfile.com |
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