 Credit card? |
I'm trying to find my first credit card but i have no idea what to look for or where to look for it.
I just turned 18 an i do have a job but it doesn't pay much so i need one with low ... |
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 I'm 19 and I Have NO credit....? |
| i'm 19, i don't have any credit, i don't have anything in my name, not even my cell phone (it was my mother's bright idea to put it in her name, worst mistake ever). i have a ... |
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 How do you pay your credit card to start to raise your credit? |
| i just got a credit card and im want to start building credit.... i was wondering what would be the best way to build credit.. i have heard i should only take care of the minimum, or something along ... |
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 What is the easiest way to payoff credit card debt? |
| There are tons of credit card offers at 0% on transfer balances, is this the way to go? I know, read the fine print.....What's the most logical way?... |
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 I just got a call from a collection agency about chase card I have that i have? |
| not been able to ay since I lost my job, he said if i dont ay by the 27th they are taking me to court. What does that involve, he was very abusive to me and called me names and said i was not an ... |
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 I noticed before christmas that my credit score was terrible. 511 to be exact? |
| So I joined Experian and started paying ALL my bills on time I cleared 2 defaults(partial settlement) and brought a store card below its balance. This has all been shown on my report but the problem ... |
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 Do you get around w/o having and using a credit card like people did before the cards were invented? |
If you do or don't, can you share how you feel about dependency on credit cards in lieu of cash?
Additional Details
Informative answers are helpful and appreciated.... |
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 Capital One over limit charge? |
Hi everyone
I am very angry because I am trying to call Capital one.
I cant seem to talk anyone who speaks English without me having to say 'pardon'
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 Is it true that a debt can dissapear from your credit history after 6yrs? |
| Well I was told by my co-worker from her own experience that she owed credit card companies when whe was 18 and never payed for them.. Well as she told me Collection companies kept calling her ... |
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Additional Details
apart from the sign up information where they ask for a credit card number my bank account is not connected to ... |
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 I have a problem with spending before paying...any suggestions? |
| I have plenty of bills, some later than others...I know they need to be taken care of and i keep telling myself that I will...but when payday comes I fell the need to spend on irrelevant items and ... |
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 I owe $10,010.14 to my three credit cards put together, i need help really bad real soon!? |
| Is there anyway i can maybe apply for another card and pay my creadit cards with that new card that way i just have 1 card to pay off that would make my life sooo much better living on my own sucks i ... |
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shelb | Please please please help!!!! PLEASE!? |
To make a long story short, I tried to get my credit report information online from annualcreditreport.com, and it asked those personal questions confirming who you are. It asked what company i took a mortgage loan from in 1998, and what year i did, as well as an auto loan in 2002! I have NO idea where these came from. I was 10 in 1998!!! Theres no way i could have done that! And now my information is frozen. Therefore, I CANNOT get a report of my credit AND I havent even seen it yet! (because its frozen) I put a fraud alert on my account by calling Experian, but there were no live people to talk to, so i couldnt get help. i dont know what to do. I'm 19, my parents wont help me im completely lost, please help!!!! |
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misty m
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Did this happen on all three bureaus? Also you can still get a copy of your reports, you just have to do it the old fashioned way. Request it through the mail. This is the only legal way to get a copy of your credit reports from the credit bureaus. Even your bank cannot give you a copy. But they may discuss it with you. |
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order_of_life
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Hon there was not necessarily a need for a fraud alert!
I had this and my friend. They sometimes make up fake companies or something that you never were with to test your identity, it had my friend calling family and eveyrthing to see who could have done it to his credit.
Now if there was no option for "None at all" or "None of the above" then there may a mortgage loan or auto loan out which would have been illegal for whoever did it. |
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klick
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i just did that yestarday and it asked me the same questions and i thought well dang, i have never bought a new car. it is a trick question. there shoud have been a "none of these match" option and that is the right one to choose because none of them match because you didn't have a car then. hope that helps. i don't know how to unfreeze your credit though. good luck! |
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K.C.
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The same thing happened to me and I selected none or none of the above whichever and it was still the wrong answer. You have to CALL & CALL & CALL again to get a live person, but you also have to convince them that you're you.
If you went to all three credit bureaus then you need to call. If you only contacted one then contact a different one if the second company gives you the same problem. Calling is the only option because you need explanation. Getting hold of someone is hard but possible. Putting a fraud alert to me was a good idea until you settle this but those alerts last for years and can be inconvienent when applying for credit in the future (trust me I know) CALL them and explain the situation |
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Crazy Cat Lady >^..^<
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Call all three of the credit reporting agencies.Thoese might of been trick questions I get the same thing when I log on. |
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trixibel
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When " it " asks you the questions -there is an answer of "none of the above"-I think you messed yourself up by putting a fraud alert on your account. You may not be able to get a report elsewhere either b/c of that. |
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Studly
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advait0 is right.
Yes it's a pain. But you can get your credit reports. You will just have to follow the instructions that Annualcreditreport.com gave you.
Send a letter to each credit bureau, send them the proof they are requesting (drivers license, other proof) and you will get it.
They have to ask all those questions. If someone had your SS# they could easily pull up tons of info on you from your credit reports. |
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rm333
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go to your bank and tell them. they should help you get a copy of your credit report. if not. call all three big credit reporting agencies. try your best to get through to a person at one of them and clear it up, as someone else said, it could have been a fake question... was "none of the above" an option?? good luck. |
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AriesJWR
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Did you try and get all three reports from the seperate bureau's? If you only tried experian log on to annualcreditreport.com again and try transunion or equifax. Answer the questions honestly - they almost always ask about a vehicle or mortgage loan - just answer the option that includes "none" -- you probably don't have much of a credit file anyway if you're only 19. |
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MyKidsInheritance
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Go to freecreditreport.com |
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susann
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Sounds like credit fraud.
i'd go to a police station. print out whatever you did get, if anything, and bring it with you. |
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