 Are consolidation loans worth it? |
ive got a few credit cards and a loan, at the time when i got them i had a fiull time job and found payments easy
i went back to college last year ti further my education and get better ... |
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 My credit score is 620. Is it really bad? |
| I'm planning on buying a condo. Should i wait for my score to be better? I have 2 credit cards now and don't want to apply for more. Should i get a car to help build my credit story or get ... |
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 Will we go to jail if can't afford to repay credit cards debts ? |
| I have 5 outstanding cards which had not been paid for over 1 year due to my unemployment. All of them are over limit.... |
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 My credit is improving but.......? |
| I hate having 5 different bils to pay every months so I am thinkingh of getting 1 loan to cover them all. the problem is that the loan is high apr (35.9%) but having worked it out my existing loan ... |
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 Whats the best way to build our credit without getting into a lot of debt? |
| We are young newly weds and niether of us have anything (good or bad) on our credit report. We were able (luckily) to be able to sign a lease for our apartment without a cosigner. I make the payments ... |
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 Why do we give sympathy to those with credit card debt? |
| No, I'm not referring to those whose identity has been stolen. I mean those that have, from their own irresponsibility, have bought so much stuff that they are now in mountains to debt. Why ... |
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 How do credit cards get away with outlandish interest rates? 30%??? |
| I thought there was a law that prevented them from going higher than a certain number. I used to see the highest rate being 21% but now it seems to be up to and over 30%! This is why I don't ... |
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 Does it hurt to Apply for Credit Cards if you have no Credit History? |
| hi, i just turned 18, never had any credit cards, never paid any bills, and i applied online for my bank of america student card, however, i was denied even though i met the qualifications, so i ... |
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 Any doubt counsellors or solicitors with debt experience out there? |
my friend (yes,really, not me (grin)) has arranged
regular payments wh all his creditors which he makes on time - one of them in particular keeps threatening him with legal action or debt ... |
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 Does anyone know where i can get my credit report? |
| i want to get my credit report so that i will know what i owe so i can buy a house for myself and my son for a better life but i actually want to get the report without having to apply for credit ... |
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 Is this a bad way of building credit? |
| I am 18 and I have a $23,000 auto loan that my parents co-signed for me. I also have a credit card. Both payments I pay in full and on time each month. Does this look good as far as building credit ... |
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 Credit Cards? |
| The other day i got my credit card bill in throught the post. I always pay the full amount the i have borrowed. Last month i payed it off on line, but never payed the entire balance by £0.12. M... |
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| What's a credit union? |
| I've been reading the answers on this page and credit union keeps popping up as a source of help, could anyone explain what they do and where they are please.... |
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Coty B | Where can I go to actually get a FREE credit report? |
They all say "free credit report" and as soon as you get to the last page of questions, they ask for your credit card.
I know there's a place some where because I did it once before. I could choose between three different companies. I just couldn't get my score. |
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Michael W
|
www.annualcreditreport.com
This is the goverment mandated once yearly free credit report site.
and you don't have to choose which company, you can get all three free.. Equifax, Experian and Transunion. But you do not get a credit score, just the report details.
Do Not go to FreeCreditreport.com They enroll you in a credit monitoring program that has a monthly fee. The government made them put a disclaimer on the front page of their website. I will post its contents below.
"MPORTANT INFORMATION:
When you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring. If you don't cancel your membership within the 30-day trial period, you will be billed $14.95 for each month that you continue your membership.
ConsumerInfo.com and Freecreditreport.com are not affiliated with the annual free credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies. To request your free annual report under that law, you must go to www.annualcreditreport.com" |
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jatay
|
www.freecreditreport.com
I did it a few years ago and didn't pay anything. |
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One Tired Mamma
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Equifax.com is one of the major ones that give it free once a year. I can't remember the other two I think one is TransUnion and ?
good luck |
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wilmcell
 |
Exactly what the first answer said. You can check it once a year absolutely for free. No credit card required. It's the only one that I know of that doesn't ask for a credit card in exchange for some free trial period membership. Be leary of those. I signed up for them and more than once they charged me after I cancelled. I got my money back but it was just a pain. |
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giggal abean
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# Equifax, Experian and TransUnion: These three credit reporting agencies determine the credit worthiness of people in USA by making credit ratings for them.
# Every person can receive one copy of credit report from each of the these credit reporting agencies absolutely free of cost.
# To obtain free credit reports, a person needs to log in to the website www.annualcreditreport.com. This is the federal law authorized source to get a free annual credit report.
# Individual credit reporting agencies viz. Experian, Equifax, TransUnion also provide credit report for a fees of about 10$ per report.
# If you have been denied a credit, you can apply for free credit report from these three credit rating agencies.
# The three different credit rating agencies maintain different credit reports and each one of them has to be obtained in order to get a comprehensive picture of your credit report.
# Credit report has 4 different parts: identifying information about the individual, credit history, public records, and inquiries made to the credit file. Read more from:http://www.credit-card-gallery.com/article/274,15_facts_everyone_must_know_about_credit_reports |
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kmkagreen
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I just pulled mine last night from annualcredit report.com...go with the first answer, that one is the best... |
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junebug
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try an automobile dealership..and make sure you get Transunion and Equifax..No one uses esperion..except freecredit report.com |
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PLVS_VLTRA
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The fact is nothing is actually free... though if you bank, your bank should actually be able to provide you with a credit report, free of charge. Remember that checking your credit gives it a hit and lowers your score slightly. Good luck. |
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Caliente
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If you have bank of America you can sign up for privacy assist premiere and they send you a free credit report for no charge. Just make sure you cancel within 30 days after because you they'll charge you if you don't cancel |
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chinge7
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annualcreditreport.com.....we all get one free every yr from all three credit bureaus :) |
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shewrites
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You're entitled to a copy of your credit report FREE, at least once a year from the credit reporting agencies themselves (Experian, etc.). You can call them or visit their websites to request a copy. You don't have to pay for your own info. |
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Dick W
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Equifax.com They will do it free for 30 days |
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