 I have a credit card i dont use and probably never will,,,cancel it? |
Additional Details
i like the answers.. the card has a low limit and i have other open revolving accounts too (high limits)..so i fell its useless to ... |
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 Can I use my friends credit card without them being at the store? |
| She offered to use her credit card and pay half of the repairs on my vehicle. Neither one of us have enough credit to pay for the whole thing on one credit card. Now she can't come with me but ... |
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| How likely will a debt collector sue? |
| Ok i hear lots of diffrent things. I hear that they will not mess around with amounts for under 7500. It cost too much for them. I also hear that it is under like 500. I opend a credit card and ... |
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 To get credit card? |
| i used to live with family, now i moved to my property last month, i never apply for credit card in last 5 yrs but i have my credit history, so is it possible to to apply for credit cards..when i ... |
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 I have $6,000 in credit card debt, what's the best thing to do? |
| I can't get a loan because I don't have any collateral. What' the best thing I can do? Should I get a balance transfer or is there any way I could get my credit card company to lower ... |
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 Credit history? can i pay a company to fix it? |
| Is it possible to pay a company to remove bad credit listings on my credit rating?... |
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 How can you get a checking account when your credit information says checking account abuse? |
| Okay this wasn't my fault but we had a joint account and we where hurting financially and my husband NOT me wrote some bad checks. We payed off the account and all the fees but now when I tried ... |
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 Is it Illegal? |
| I have heard that you can contact creditors and make "pay to remove" arrangements with them by a lot of different sources but when I went to contact the creditor at first the acted as if ... |
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 Why file for bankruptcy when your credit rating is already bad by not paying up in the first place? |
| Example: am in debt of £6,000 for about 6 years now, i keep getting letters saying i must pay for 6 years now, but i know my credit rating is bad so what difference wud filing for bankruptcy make, ... |
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 What should i do get a loan or a credit card? |
I need about 800-1200 ASAP to pay off college buy books and other things.
what can i do to get the money fast with less fees ect.
what do you ... |
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 I am very frustrated, I cannot purchase a home because of my credit scores.? |
| My credit score is in the low 500s. Everybody is telling me I have to have a 620 before they will even consider me for a loan to purchase a house. I pulled my credit report and I have starting ... |
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 Credit cards for poor credit unsecured? |
My husband and I are looking for a credit card for poor credit. We want to use it to rebuild our credit and were told the best way to do it was to get a credit card...
Thank you for real leads, ... |
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 What is the best credit card option for college students? |
| I'm very concerned about my building my credit and I was interested in applying for a credit card with a great rate and a very low spending limit. (I'm intending on just using it for gas or ... |
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 My bank manager has requested to see me? |
| No doubt he wants to borrow some more money. When I last loaned him money, I told him that it was not 'normal' and he said the bank do it all the time - they lend money to people who can... |
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carl775734 | Trying to find out my credit rating? |
My partner and i are going to get a mortage and we want to find out if our credit is ok as we have had trouble with it in the past,i was told you could contact a company and they would send you all the info held against your name. |
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Amanda H
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If you're talking about a mortgage, you need ALL THREE reports and scores.
Go to www.annualcreditreport.com. You can receive the reports for free once a year, and you'll have to pay for the scores. You need over 580 before you even THINK about getting a mortgage. Over 650 and you'll get fair rates, over 700+ and you're golden. Most mortgage companies use your middle score or an average of all 3.
If there are any discrepencies, launch disputes. They take 30 days. |
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richard_beckham2001
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http://www.experian.co.uk/ |
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Lost and found
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I use experian - they're very thorough. Gives you names and addresses of companies you've had credit with in the past. Well worth knowing really. |
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twv706
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Go to http://www.mortgageawareness.co for free info on obtaining a free credit report from the FTC. |
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bluemoooner
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experian will give you 30 days free but remember to cancell before the end of free period otherwise it will cost about £6 per month thereafter.log on individually. |
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bmj20122012
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well i have a web site you can use and its free..
i have used it myself
https://www.annualcreditreport.com/cra/index.jsp
let me know if this helps |
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alaniss2
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checkmyfile.com or experian both good site but both cost, as far as i am aware there is no free way of doing it |
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babyonlyne
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hi
you are entitled to have a copy of your creidt report however you must pay for this. so far i know that prices range from £2 to £17 depending on how you request your report and if you require a credit score.
there are three major credit refernece agencies in the UK:
call credit
equifax
experian
they all have websites.
if you choose to have a statutory report (doesnt give your score) its £2 by post and £2.50 (equifax) over the phone. its also similarly price by the other two. over the internet equifax charges £17 for a report and score, experian charges £6 monthly and you can view your report anytime and £5 for score and offers a free 30 day trial. callcredit also offer a range of similar services but i've never used them before.
you should also know that having a look at your credit score actually reduces it by 40 or 60 points (can't remember)
hope this helps |
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mjammy1978
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the credit references are
experian and equifax most important but there is another one called call credit which i found a little helpful
you need to provide the companies with
your name
other names youve been known by
your last address within the last six years
i am in exactly the same position as you, i sent my letters off today |
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Silver S
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I use a great site to get all 3 credit reports and all 3 credit scores.
Plus a calculator simulator for one of the scores that allows you to make "changes" to your credit to see how it will effect your score.
To get the calculator for the other scores-- the cost is additional $6.00. So that is up to you if you feel you need the others.
It initially costs $1.00 to join, and $12.00 after the first month. I have been using for 3 months and still have only been paying $1.00!!
The web-site is:
www.privacyguard.com
http://www.privacyguard.com/Default.aspx?SID=7A0F1FBC62C14E93498dcd1b76bfd24a
P.S. This site also allows you access to other vital records like: medical records, driving records, and neighborhood reports--for no additional cost.
However, if for some reason you do have to pay for the records you request, Privacy Guard will reimburse you for the cost.
They reimbursed me for my driving record!!!
Hope this helps!!! |
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Ian W
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my friend swears by this website, 1 free credit report per year. |
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