 Identity taken? please help, I think my neighbours have taken my son details and applied for credit!!!!!? |
| How can I find out if they have? I don't really want to pay, why should I? Can't really go into detail on here regarding my neighbours but this wouldn't be the first time they have ... |
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 How do i establish credit? |
| i have no credit and wanted to know how i would qualify for some type of credit card, i tried going to a bank credit union and they were having problems giving me an account since i had no credit, ... |
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 How much does a prepaid visa card cost? and how much can u put on it? |
Additional Details
also is there a expreation date of the card???????... |
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 A debt of over 15 year old? |
| a debt agency says we owe money from 15 years ago! Can they still try and get the money back?... |
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 Victoria's Secret angel credit card? |
My girlfriend wants to get an angel credit card from Victoria's Secret. If she applies in store, will she be able to have it that day? How does the whole process work?
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 How can i build my credit? |
| I am young and have been trying to establish some type of good credit. Besides the normal- renting an apartment, buying a car, having bills in my name, making sure i pay on time, and applying for ... |
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 How much could someone actually do with a million dollars(like give examples!)? |
| It just doesn't seem like that much money to me. Someone asked on here, if someone offered you one million dollars would you stop watching television forever and I said no, even though I barely ... |
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 I have a credit score of 575? |
and i payed down half of my credit card. and payed off a collection do you think it should bring my score up by 5 or more points did this biginning of last month
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also ... |
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 I'm broke and I can't pay my credit card... what should I do? |
| My company closed and I'm out of job at the moment but it would take some time for me to recover financially. I can't pay my credit card. What should I do? Please help...... |
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 I have a very bad credit score and I need a loan,Does anyone know of Institutions that lend to people like me? |
| I don't have it because I don't pay creditors back, but because I just got divorce and my husband ruin both our credit. (why I am divorce) Anyhow, I am trying to rebuilt my credit, but I ... |
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 How many credit cards should I have? |
| I am new to the world of credit! I currently have 2 credit cards from Bank of America and Wells Fargo for 2 months. Should I still apply for another one or two or three?? If so, what's d' ... |
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 Closing A Credit Card? |
| If you want to close a credit card will it affect your credit (will your credit score be low) b/c a want to close a Best Buy Credit Card and i dont want anything from them anymore i have other credit ... |
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 There are 3 people in my family with the same name but different SS# having problems with credit HELP US? |
| Me, my sister, and my aunt have the same name but we have different SS#'s my sister middle name is different but the initial on middle name is the same my aunt and my name are exactly the same. O... |
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DENISE S | What does a credit search look for? |
applying for a mortage |
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Daniel is due 27/3/09
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it checks out your whole credit history loans credit cards catalogue payments and if you have gone into default with any of these things it also gives a credit score based on that information ,
it also picks up any county court judgments for non payment |
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confucious says
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a credit search looks basically for all zeros all zeros mean you have never been late with a payment .
the total amount of debt you have to pay each month
and the remaining balances on your credit cards
with all this various information the company then can make a informed decision on if you are a good risk or a bad risk not many companies use a credit score anymore it is now more like a credit code ie A1 A2 B1 B2 ETC so you cannot define your own credit score no more like you used to be able to |
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hatti
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It checks your past money history. Usually done for accommodation (renting/buying a home) or to get access to credit cards, store cards etc. It will go through all your history of banks, store cards, loan lenders etc etc, to see if you have ever been blacklisted for none payment, late payments, bankrupcy etc. If you have a low credit rating then this will show up too. Its a way of seeing how reliable and prompt you are when borrowing money as that is essentially what it is for, to see how you rate with 'credit' - borrowed money. |
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debi jean
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They check for your credit history,such as ...do you pay your bills on time?They will look at the income coming into the household and see if you can afford a mortgage.There are 3 credit reporting agencies,so they will look for bankruptcies,payments on autos etc.Good luck on getting that mortgage! |
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teddy
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That you are credit worthy, i.e no bad debts, which could prevent you from getting a mortgage or loan. |
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debbie
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credit look for how much you make a month and how much you have the debt. the debt ratio = debt / monthly income, you must not reach more than 20 % to be good standard |
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SUE G online
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whether you have any court orders, any arrears on hp etc, whether you still owe someone money or have been black listed by anyone |
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emailmillsy
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It checks:
- that you live at the address you claim to
- that you haven't 'forgotton' an address where you had bad credit
- how much you pay each month/owe in total
- that you are on the voters roll
- To see if you have missed payments in the past
Lenders then use this data to work out if you can afford the credit you are asking for and if you are likely to pay it back on time. They also now use it to set your interest rate - the worse a payer you are in the past, the higher the interest rate is for you in the future |
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juicy
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It checks out any debt you may have and your ability to cope with the credit you are applying for. it will look to see how you have coped with any loans etc in the past (i.e did you pay on time, did you miss payments or worse still did you default) and will give you a score based on all information available to them in the application and in your history. Hope this is of help. Ive just had to go through all that for the same thing and its stressful waiting to find out if you got the mortgage. Good luck |
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rhythm
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The search looks into the history of how good you handled your account. How you handled your account in the past plays a good part in determining how credit worthy you are as it speaks of your character as a person. Then along with the information on the other C's of credit which are capacity and collateral, the lender will be in a better position to act on your mortgage application favorably. |
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Harley Lady
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That you pay your bills on time. |
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