 My mom used my social security number and i dont know if it will affect me? |
my mom and i applied for a credit account at macys AND victorias secret. the accounts were approved. howeve i am scared if it can affect any of us
Additional Details
i am 16 years old... ... |
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 How do you remove a bad credit from your credit report after paying it off? |
I have a credit card that has given me bad credit since 6 years ago. It has accumulated more finance charges since then and has been sent to a attorney.
I would like to pay it off (or settle), ... |
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 New credit card but no pin yet ! How do i go shopping? |
help!
Additional Details
YOU DO NEED A PIN FOR THE NEW CHIPPED ONES... |
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 If paying off collection accounts wont raise my credit score should I even bother paying them? |
| I need to buy a home fast. I am a first time home buyer with a fico score of 620. I have 5,000 for a downpayment. I owe a few thousand in old collection accounts which are on my report. None of ... |
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 Repossession...Now what? |
| 10 years ago I bought a mobile home for 49,000. I lived there with my daughter for 7 years. 3 years ago, I married a wonderful man, and moved into his home. For the last 3 years, I have rented my ... |
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 Hi im 15 im in debt for some pop-up? |
| http://microbillsys.com/ dats the copanny what can i ... |
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 Why is it so hard to achieve credit? |
| Being young, and without credit, really hinders any financial siduation.... |
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 Paying capital credit card balance? |
| i just received my capital one credit card in the mail. it has a 300$ limit on it. i also have a personal savings account with WaMu (the former WaMu). my problem is i live in california and there are ... |
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 Need a loan quick!? |
| I know this sounds like a bad idea but i need to come up with 5-10,000 very quick and conventional methods have failed me so any help would be much appreciated. T... |
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 What can I do about goods ordered but not delivered in the specified time? |
| On 29 December I ordered furniture from my local Harveys Furnishers and was quoted an 8-week delivery period. Five months later and I am still waiting. I have contacted the store in person, by ... |
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 I have no credit but need a credit card??? |
| yeah so i have NO credit but i am trying to apply got a credit card. thank you.... |
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 Does anyone know how to get your credit scores without lowering your credit scores? |
| I'm trying to get a loan and everyone wants to run a credit check which I have always heard will lower my credit score. Is that true and if so is there a way to check my credit without lowering ... |
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Kris | Where can I find out my FICO score for free with no hidden fees?? |
and does being negative in a regulare checking account effect your credit? |
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RaymondFelton
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If you've got a Washington Mutual credit card, your FICO is visible on your account page for free. That's the only way I know of. |
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Steveo
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You have to pay to get your credit score. It's not a hidden fee as they tell you that you are paying for the score. As far as your checking account, it's not a credit item. |
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missiceprincess74
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You have to pay for you credit score but you can get your credit reports for free from all three bureaus from http://www.annualcreditreport.com. Every US consumer is entitled to order their credit reports for free once a year from this site by law. They charge about $7 extra for you to see each score, which is actually pretty reasonable. Most sites charge $15 or so.
Being negative in a regular checking account doesn't affect your credit score. But if the account goes into collections it will be reported to Checksystems and affect your ability to open up an account in the future. |
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proud2bemrsd
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I don't think it's possible to get a FICO score for free. I got my score and report from myFICO.com for less that $15 with a coupon code from currentcodes.com.
A negative balance in your checking account will not affect your credit. |
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doreen k
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The one way I know to get your FICO score for free is to apply for loan pre-approval and ask your loan officer to tell you your credit score. Nearly all will do this and they don't charge a fee. Even if you cannot be pre-approved for a loan, they will access your credit score and should be able to tell you.
The best places to go are smaller institutions, such as community banks or credit unions. Also, mortgage loan firms will usually tell you your credit score.
Ask in advance if they will do this for you. You don't want to have to go to another place and apply there. One inquiry won't affect your score, but several inquiries will lower your score.
A negative balance in a checking account should not affect your credit score unless the financial institution has tried and failed to collect the amount from you. If you have restored your balance, for example, if you have a few overdrafts but always come back into a positive balance, this would not normally be reported to the credit bureau. |
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Allison
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You can go to MyFico.com and view ONE of your credit scores for free for 30 days. It's called Score Watch and it's really cool, but it only watches and monitors one credit bureau/score. |
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Maria2Blue
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Nowhere. Sorry but it's the truth. |
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WILD G
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JUST CALL ALL THREE CREDIT PLACES AND PAY FOR IT WITH A CREDIT CARD. NO ITS NOT FREE BUT ATLEASE IT IS SAFE AND NO OTHER FEES. I WOULDNT TRUST NO OTHER SITES |
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pynk_deville
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you can get a free fico score is you sign up for trial period. you cant get one without a credit card cuz they want to be able to charge ur card if you forget to cancel before the peiod is up. the actual site for fico is safe and you can rest assured that its accurate and their are no hidden fees. i have done it before and cancelled before the trial was up. i think its myfico.com official site. |
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Ted
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Each credit bureau will charge you. Each credit bureau calculates it based not only on their files, but on their proprietary formula. So, the only place you can get your real score is from the bureaus. Other places are either buying it from the bureaus for you at a bulk rate or they do approximations.
Each bureau has multiple scores because a formula that predicts a good mortgage customer doesn't necessarily predict a good car loan customer or a good credit card customer. |
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