 My friend told me that everytime a company does a credit check on me...? |
| such as fashion bug, my credit score goes down and I could be red flagged for having so many credit checks done. I want to know if he is correct, because everytime I go to fashion bug, the clerk ... |
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 Have can I check my credit rating with out having to pay any thing? |
I tried checking my credit report/rating but you have to put in your debit card details and I dont want to pay any thing.
Can I ask my bank do it for me and get them to tell me what my credit ... |
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 Does anyone have experience with collection agencies? I don't know what my next move should be? |
| I have a credit card in collections for roughly 2800.00 . I have had two conversations with the agent. I offered him 100.00 monthly payments. He said it wasn't enough. His tactics are ... |
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 How much credit card debt is bad? |
| I always avoided credit card debt. I own a home and I like to save money. i'm 27 and single and all my girlfriends go nuts with credit cards. I fell into the trap a little bit and now I have $4,0... |
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 Im interested in refinancing my home. i always get tons of mail offering such. what is the best way? |
| im not sure if the mortgage companies are better or the banks?everytime i tried to call them, they are very eager to get my financial details which i dont mind, but giving out my social security on ... |
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 How do I figure out what interest rate I got on my current car loan? My payments/term... $340.54/month; 60mth |
Additional Details
Okay, so you think I need my principle financed... well wouldn't that just be my payments times the term!? So it'd be $20432.40... then you'll need ... |
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 Should I reactivate a credit card whose date is expiring? |
| I have a card that I never use. I understand that for FICO reasons I shouldn't cancel it but I have received a new one in the mail with a new expiration date and I'm wondering which would ... |
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 Credit score of 566, any suggestions on delinquent credit card debt? |
| Keep in mind that this debt is several years old, will paying off some old accounts make it higher?... |
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 I have bad credit affter a bankruptsey 2 years ago - all I have is my job and I want to borrow about $2500? |
| God I think even my dog would turn me down at this point - anybody know anybody who gives real unsecured personal loans based on their employment?... |
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| Can I still File Chapter 7 if I got a summon by a debt collector? |
| I've just got a summon yesterday by one of my credit card I have and I was wondering if I can still file Chapter 7? I do have other credit cards and medical bills that need to by paid as well ... |
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 Can you lend me £20 please? |
| im just asking i could do with a pizza ?... |
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 How do i get a prepaid creidt card? |
| i live in the U.S. and i want a prepaid creidt card. how do i get one and do i need a social security number?... |
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 How can I get a free copy of my credit report so I can start cleaning up my credit? |
| My credit score sucks its like 360 something(sad I know).Ready to start cleaning it up now.... |
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 I need an interest free loan? |
| Where can I get an interest free loan from for about £1000? I don't mind paying a small amount of interest but I'm not risking the bank at the moment. Any one any ideas?... |
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 I got my first bank card :)? |
| Hi, I got a barclays bank acount, and my Dad is putting £25 in every Friday, what should I spend it on/ save up for?... |
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 Finance Help? |
I have $2,000 on my credit card and I NEED to get it paid off. What are some good ways to get some cash quick?? Or how can I get it paid of quickly.
Additional Details
My credit card ... |
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 Can some one apply false charges on my credit history.? |
| I recd a call from this person who claims to be from a credit and collection company. he declared that i have a company and i haven't paid someone a big amount. he has the last 4 digits of my SSN... |
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| Is this an International Scam? |
| I am in Central NJ. I went on craigslist.com to look for a job as an account receivable clerk. I send out my resume blindly to all people in my area. I get an email back from karenbecker@gmail.com ... |
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 I am getting a secured credit card to improve my credit, is it better to get one 1000 limit card or 2 500..... |
| I am getting a secured credit card to improve my credit, is it better to get one 1000 limit card or 2 500 limit cards from 2 diffrent banks? What will look better on my credit?... |
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 Is it good to buy things with a deferred payment until one year later? ? |
| I am considering buying furniture with a deferred payment. Why is it good or bad?... |
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Sick MOFO | Why do u need a credit score? what is it used for? |
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CCTCC
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You don't need one. Pay cash for your cars. (I've got two completely blinged out used cars that we paid cash for. Used = great deal.) You can find a mortgage company that will underwrite a mortgage without a credit score.
All a credit score does is tell people that you're in debt. |
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tangenral
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A credit score is used by money lenders to weigh if you are a good risk or not. Your score is weighed on many differant factors including late payments, lack of credit and too high of debts. Along with many other factors. |
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flowerspirit2000
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IT IS USED TO DETERMINE YOUR ACCOUNTABILITY AND DEPENDABILITY FOR FUTURE LARGER LOANS...LIKE MORTGAGES THE HIGHER THE SCORE...MEANING YOU PAY ON TIME AND HAVE NEVER DEFAULTED THE MORE GENEROUS THE OFFERS AND RATES YOU CAN WORK WITH IN YOUR FINANCIAL LIFE |
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wpgcoder
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I asked the same question about 3 months ago and read all about credit, applied for a credit card using the web site... talked with the web site owner, he gave me links to the best articles explaining credit. They are now on his front page. The articles on the web site helped me understand credit, how it works, the score and how the world rates it. |
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Precious
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They just want to be all in your business to see if you are really paying you bills on time and not buying things and not paying for it. |
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letmeanswrthat4u
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In the United States, a credit score is a credit rating that represents an estimate of an individual's financial credit worthiness as calculated by a statistical model. A credit score attempts to quantify the likelihood that a prospective borrower will fail to repay a loan or other credit obligation satisfactorily over a specified period of time. A credit score is typically based on the information in an individual's credit report. Lenders such as banks and credit card companies use credit scores to manage the risk posed by lending money to consumers. Examples of such uses include determining who qualifies for a loan, assigning an interest rate, assigning credit limits, and managing accounts that are already open (for example, treatment of accounts that are in default). The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system. While the most widely-known score in the United States is FICO, there are many others, such as NextGen and Vantage. |
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Real Georgian
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Credit Report Myth or Reality
By: Herman Randolph
This web site has a wealth of information... Plus, companies that you can explore!!
Good luck |
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kvuo
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woot cctcc... exactly!
more specifically, it tells them you love debt.. |
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sexytrojan
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Credit scores are a way for credit companies and landlords to evaluate your credit worthiness without looking at your credit report.
This sucks because they look at a snapshot (score) and not the whole story (report). |
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crazy in Texas
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Now a days you need a credit score almost for every thing . To buy a house,car,to get credit, open a bank account, and most of the big corporations of job fields are even asking for a credited scoring report. I've heard they just want to do this to see how responsible you are . It kind sucks. Especially if you have messed up credit. If your a young individual be careful and don't open alot of credit. It is easy to open them but the cards can get in into ALOT of financial issues. |
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