 Credit cards: Is it better to pay off the full balance or make payments? |
Say you had a balance of 500$ on your credit card. When the bill came, would it be better for your credit to pay off the 500$ right away, or make above the minimum payments?
One of my teachers ... |
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 Should I tear my oldest credit card or just cancel it? |
| Hi, I have my oldest (first) card which helped me acquire a credit history. It is now an unsecured credit card with its own benefits (my credit history is solid). My financial institution that issued ... |
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 I was wondering if anyone can help regarding a debt i have? |
| This debt is my only one, but the problem is the interest they charge, as it's really high, so basically whatever i pay pretty much goes to the interest, so it will take me forever to pay it off.... |
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 How can I get a 15,000 loan without a credit check? |
| I took a $17,000 pay cut about a 2 years ago. My wife was using our credit cards for basic living expenses. Needless to say we got way behind, we have 2 in court trying to get a wage garnishment. I ... |
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 My visa card intrest rate is 19%, am I getting ripped off? |
| luckily my limit is only $1200 but is this a high rate for todays market? what is your interest rate? Should I try to negotiate for a lower rate? if so, what do I say? have you ever done this? ok ... |
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 What is the fastest way to remove a collection from equifax credit report? |
| Im in the process of getting a mortgage and all of a sudden this(collections) pops up on my Equifax credit file. I know it will hurt my score already. I need to know the best way to go about ... |
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 What is the best starter credit card? |
i just need to build a little credit..
and don't say i don't need one!... |
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 Hi.I ran out of money because of job loss..i don't have a good credit and am here in usa on work visa..help me |
| Iam here in usa on a work visa and i ran out of money because of job loss as the company is not doing well.I don't have good credit and also i have certain medical bills and other things to ... |
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 Can i use my U.S.A credit card in INDIA , its a visa card ?? |
| or do i need to apply for any special credit cards which i can use both in INDIA and U.S.A..................... |
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 Has anyone ordered the free credit check with Experian? |
| If so, how did you find it (was it useful) and was it easy to cancel after the 30 day trial?... |
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 How do you answer the question of 'Gross Annual Household Income' when applying for credit? |
| I have two roommates. None of us have any financial obligation to each other, other than paying rent and utilities. When asked 'What is your Gross Annual Household Income?', do I respond ... |
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 Are there any companies who will loan money to buy a car when the person applyIng is on DLA? |
| My father gets it and wants a car but doesnt want to lose all of his allowance to get a car -even tho its a good scheme.... |
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 Which website is the best to get a free credit report from? |
| I know there are a lot of them out there but, I don't know which one is the best.... |
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 Help im soo young with thse credit cards? |
| k well im 16 and i have about 6 credit cards in my name saying im 18 when im rly only 16. my parents pay them 4 me and sometimes have me give them some money from the atm for them because they have ... |
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djc07 | What can a prospective employer see in a credit check done to a prospective employee? |
What I mean is can they actually go into detail with your accounts, etc.? OR do they only see you "credit rating" or "score"?? Someone with experience as an employer or manager, please help me out with this one. I am going to have a credit check done on me for a job, and my credit if considered "fair" because I don't have a long credit history, but I need a little info. |
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SPIFIMAN1
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taximomu is correct.
Credit reports are like report cards when we were in school only instead of showing how good/bad we are doing in our studies they show how good/bad we are doing at managing our debt.
Employers do have the right to do credit checks and most applications for employment have a clause that allows them to do this as soon as you sign it. |
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taximomuv3
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They'll see what anyone sees. What accounts you have open and where, how much your credit limit is on each one, and what your balance is. How much your payments are, and most importantly whether or not you've ever been more than 30 days late on any of them. As an employer they are checking for stability, whether or not you are responsible enough to handle your finances, etc. If you have a short history but it's good, it's better than a long one that's bad. A couple of late payments here and there can be explained, but if you've got a huge history of late payments it's not good especially if you're applying for a job at a bank, etc. |
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PURR GIRL TORI
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Well, I hate to tell you this, but they can find out practically anything about you. There are sites online that charge for certain things like background checks, if you have been charged with a crime, what your credit rating is, etc. They can even find out personal things like medical records! All you need is a credit card to get the information. I typed in my name on one of these sites, and they showed me EXACTLY where I lived for the past three years. If I were you I would investigate these sites - I think one is called, Private Eye, and just type in your name and it pulls up just enough information to let you know they know things about you. I don't mean to frighten you; it was done to me. Better to be informed than not to be! Protect yourself! |
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Harleigh
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Stability, responsibility, and reliability. As for what's disclosed, it depends on your employer and the type of service they subscribe to. |
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IrlandeseItaliana
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They can see all the same things anyone else does who performs a credit check, which is all the details. Find out what the company's standards are for the credit check (ie, what would they consider acceptable for hiring) |
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Ezz
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No, the only reason they would go into your credit report is to double check your identity and important personal information. Other then that you score or financial history shouldnt have any impact on the job. |
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siamesedharma
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They can see what accounts are delinquent or in collections. They don't see your credit score.
By the way, for those who think it is not a prospective employer's biz, it IS their biz if you are being considered for a job where you handle money in any way. In my job I send out large checks to subcontractors. The employer would want to know if you might be likely to embezzle or take bribes from vendors. Just like you wouldn't want to hire a cop who had armed robbery convictions.
And it is legal to check your credit, as long as they get your signed permission first. |
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Jake
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If your employment is in financial industry the credit check may be done. Short credit history does not mean bad credit it means that your credit file will be thin. This will not hurt your chances. Good Luck |
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MoreOfMe
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If your prospective employer is a bank, a lending institution, etc., they have access to a Money Bureau and can see all our Bad Debts/ Credit history. They have a Risk Manager to do the works for them. |
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Mark N
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Why not have credit checks. Don't ya just like going to work and everyone of your fellows asking you if they can borrow a dollar, bum a smoke and lend them your ink pen everyday... Good gosh if you have to hide it, probally isn't worth seeing anyways... Look over there, his credit score is 2, so is his IQ... |
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kookoo4travel
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I don't think it is employers BIZ to know potential employees credit score. It is like wantint to know their penis size or the size of their vagina. That's how I feel about it! |
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E. F. Hutton
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Can an employer check your credit is a better question.
It is generally illegal for an employer in the United States to use a credit check as part of a background check on a perspective employee. |
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