 Credit One Bank Credit Card--why are they telling me i applied..? |
| okay so i js got a letter from credit one bank and it says thank you for your recent application for a Credit One BAnk credit card. BUT the thing is i'm pretty sure i did not apply for one and ... |
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 Please help finacial matter? |
| recently i became ill i make good money i was just out of work for 3 weeks. i have got way behind on my bills. were i work we are held a month behind, so now i will not get a check untill jan 18th ... |
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 By doing a survey for a company , I won a package deal from etourandtravel.com. They wanted payment by credit? |
| card over the phone saying I had to pay right away for this trip I had two years to take. I told him I had to consult with my husband and to contact me again. When he called again I told him that I ... |
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 Can my bank account be frozen by a collection agency without being notified? |
| Right now they are just calling, but I do not answer. They sometimes leave messages to call back or they leave no message at all. If they can freeze it at this point of the collection process what ... |
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 What is a debit card? |
| what is the difference between a debit and credit card?... |
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 Can overtime wages be uses in a loan application? |
| I know overtime wage are not stable but can proven stability in overtime wages can be used as wages on a loan apllication? My Salary is 33,000 last year I grossed 55,000, this year My salary is 34,000... |
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 What happens when you do not pay a loan? |
| A bank had agreed to take 11k for a loan of 20k. I proceeded to give my routing number and bank account. We agreed on the 6th of the month and they would take the payment on the 30th. All this time I ... |
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 Can I "sell" my house to my 19 year old, and get a fresh start? |
My daughter has a car loan in her name, and 1 credit card (no balance). Can I sell the house to her, even though I will be making the payments behind the scenes?
She has no income, since ... |
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 Can I make a larger payment on my credit card? |
| If my bill says I owe $64.00 but since my last statement i charged an additional $840.00, can I pay the whole thing $904.00 or will that mess up my credit score? cause someone said that you should ... |
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Matahari | When you get your credit history checked, what information it gives about you? |
Sorry for a stupid question, but I am new to this. When someone checks your credit history, can he see exactly what you are paying for {in case of a bad history what you didn't pay for} or he only get the info whether you have good or bad credit history? |
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wisedrdave
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You can see your own credit report online. By law, it's availble once a year for free from any of the three credit reporting agencies. Check it out at:equifax.com, experian.com, or transunion.com. You can get all 3 at once along with your FICO score as well, for a fee.
What it has in it: personal profile (name and all addresses on file you have lived at), credit account history (all credit cards and loans ever taken out with payment history, when on time, when 30-60 or more late, whether still open or closed, what kind-credit or mortage or revolving store card), credit inquiries (when lenders check your credit when you apply for loans,-"hard pull" subtracts a point or 2, or pre-approval credit card offers-"soft pulls"that don't affect your credit, no points to check your own credit report), public records (bankruptcies, liens, delinquincies, etc.).
Most info stays on a long time. Good for credit paid on time, bad for late payments and banruptcies. Neagative info does not go away in 7 tears if still unpaid. It keeps getting reported. Settled bad debt will go off 7-10 years after paid.
Ways to improve your score: keep credit cards you have had for a long time (length of credit helps), don;t take out too much new credit, keep your credit debt balance low, DON'T PAY 30 DAYS LATE ever if possible.
And CHECK YOUR CREDIT REPORT for accuracy. They are sometimes wrong and you can dispute them with online request and by law they have to resolve it in 30 days or take it off.
Go check it out now and good luck!!! |
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V C
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It shows whether you pay on time, have late payments, in default, whether you have bankruptcies |
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bdancer222
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They get a list of all your creditors, credit limits, current balance, and payment status. |
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astatine
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go to annualcreditreport.com - you are eligible for getting a free credit report from each of the three companies once a year. do *NOT* pay anything - like for the credit score, etc. Just get the free credit report from one of the companies - it'll be what someone who requests it gets.
If you do this with each of the three companies you can get a free credit report once every four months by selecting one company at a time.
Note - dont sign up for anything for which they ask money. just get the credit report. |
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Noah_Bodie
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It depends. Generally speaking, one presumes you're talking about one or more of the Big Three (Equifax, Experian, TransUnion). There's also Innovis, but they really don't rate. However, when opening a bank account, the bank might run your info thru ChexSystems or one of the other Specialty Credit Reporting Agencies. |
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§gRiFfEn§
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it really just depends on what type of credit check is done. some get pretty detailed (probably will see bankruptsy, and its depends on how bad you messed up. a couple late payments wont show up, but on the other house outstanding loans and locked credit card most likely will. sorry for being so vague.... |
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just hanging around
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just a basic score on your credit in most cases. like bounce checks. there is nothing to worry about. once they check and deny you, you have a right to view whats on there. |
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Scott R
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You are partialy correct, however, there is alot of data on a credit report. An individual or company looking in to your credit history can view the following information: Your birthdate, address, Any and all credit cards (visa) you have opened and closed; including minor credit cards such as local (store) cards. By the way which are not a good idea to have since you can just use a visa or mastercard pay for the same items. In addition, a credit report will include any loans you have opened and closed, such as car loans, current mortgages or have even applied for. Appling for loans and getting declined will lower your score as well. Also the report will show if you have made any deliquent payments on any open loans or outstansding debts, usaully they only get tracked on your report if you are 30 days late. |
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jimmy w
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Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved on<!--bad credit, you must know to how to confront it. Of course, Even if you have bad credit, you can get loans. Many factors can contribute to someone getting a "bad credit" rating, among these are non-payment of an account or late payments over an extended length of time.
http://badcredits.awardspace.com/
You may find want you want. You can easily be labelled as a bad credit risk by financial companies. This can make it more difficult to-->arrange loans or other finance, and usually means you will pay more interest on any loan you take out. |
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