 A Question About Credit Reports |
| Does anyone know how to get your credit report without having to have some kind of membership and where you don't have to use a credit card? (freecreditreport.com is NOT free!)... |
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 Are there any downsides to opening 20 bank accounts in one week? |
I want to open checking accounts at different banks just for their bonuses ($100-$200). I will close most of the accounts after a month or so.
So are there any downsides to this? Does my ... |
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 HI im 20 and i have probably have over 5000.00 in debt? |
and ive havent made any kind of payemt on these for 2 years if i was to pay all these off in one lump sum would i be able to get a credit card again
Additional Details
its not all credit ... |
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 How do I transfer my car loan to someone else and have them take over the payments? |
| I have decent credit and I basically need out of a loan I have. I have heard that people interested could take out their own loan and purchase the car but I was hoping that there may be a way to just ... |
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 Debit Card Fraud? |
Yes, Just few days ago...someone took my money out of my checking account without my permision.
No, I didnt lose my credit card or debit card or anything...
Someone from Chicago ... |
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 Is there a way of knowing which stores use which credit bureau? |
I am interested in getting some type of store card (example: walmart, old navy, target, best buy and others)
Are there certain stores that get your credit report from one bureau or another?... |
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 What can the Repo-man take? |
| My sister's boyfriend is way behind on his car payments. They live together but her name is not on the loan. All of the things in the house belong to her, except his computer which is worth ... |
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 I recently just got out of debt : ) how do I stay out? ? |
Im happy and can finally see a black bank balance lol Ive seen red for far too long. any one have tips on how to stay out of the red?
I am a student..I think this might make a difference to ... |
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 Does anyone know the quickest way to improve your credit? |
| I mean besides paying it off... are there any companies out there that will help you reduce your debt.. besides the obvious credit counseling services that are advertised on TV and such. Ive heard ... |
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 Can a bank require you to have TWO Appraisals when applying for a Home Equity Loan? |
| I'm quite frustrated at the process involved with trying to get a home equity loan. Last week an appraiser did a drive-by appraisal and the value came back just fine. NOW, they're ... |
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 I couldn't pay back a payday loan and they said that are going to put me as a fradulant check writer? |
| Can they do that? I tried to make a payment arrangement but they wouldn't let me. What should I do?... |
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 Which credit card, in your opinon is the best to get? and why? |
I have been wanting to get a credit card for emergency purposes. I just dont know which one to get. there are so many!
Additional Details
I have good credit. I have other credit cards to ... |
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 How can I get a real free credit report? |
| What I specificly need is the companies that have reported against me.... |
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koy193 | What bills effect my credit score? |
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dmercede
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Many things can affect your score, but bills such as home, phone, electric, water etc. will not be reported unless unpaid and a collection is filed. What is considered are credit bills, small loans and of course home / auto loans.. Pay your bills on time (especially no more than 30 days late) and keep your spending no more than 50% of you original limit. A $200.00 credit card with a $199.00 balance, though paid perfect, will still drop your score. A $10,000 loan with a $5000 balance will score good. Many collection companies will report a $250.00 amount due as a 120 day late (05) with a $250 limit and balance. They will not totally charge it off but hurt you the hardest by keeping it late pay plus 100% limit to balance.
Ex Finance guy gone straight.... Have a specific question, feel free to ask and I will try to make the answer a bit shorter.dm |
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Still reading
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Credit cards, loans, mortgages are routinely reported to the credit bureau and thus affect your score. Other bills such as utilities and medical bills are usually only reported when they go into collection, but when that happens, they dramatically lower your score. |
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dances with unicorns
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If a company has your social security number, then the bills can potentially affect your credit rating. Since you generally give companies a SS# to get credit cards, loans, etc., anything of that nature that goes unpaid will affect your score in a negative way; likewise, your credit report also reflects accounts that have a positive history. |
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mburleigh8
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all of them. |
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harish
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Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at http://www.acreditlibrary.com/buildcredit.html |
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Lisa L
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ALL --------- JUST PAY THEM!!!!! |
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Answer
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Eventually, all bills will affect your credit score. |
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Jo Blo
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the ones not paid on time |
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