 I need $6,000 in 2 days. I have bad credit. Got any suggestions? HELP!? |
| My friend helped me to buy a car, and I was told by a credit union, that I could get a lean on it, so then I couldn't have paid my friend right back. Well, after my friend loaned me the money, ... |
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 I went to a nightclub last night and went to withdraw £20 and it gave me £40 out the cash machine? |
| i then put my card back in and asked for £200 and it didnt let me down it paid out £400, plus the receipt only said £200. now i have heard from a friend that banks can try and claim the money back ... |
|
 Hey, what are your legal obligations to pay back debt that is over 10 years old and has been sold off.....? |
| to a collection agency, its not that much, and I was young and forgot about the whole thing. Now I have these vultures calling me at all hours and making me crazy they are rude so Im rude back- ... |
|
 Is it legal for stores to refuse my credit/debit if I do not have my id? |
My credit card is signed with my name and DOES NOT say See I.D. on the back.
Additional Details
I am NOT asking what you think....Or if you think it is right or not... but the proper ... |
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 I'm in college, 21 and I was extremely stupid and now I have 6, 531 in credit card debt!? |
| I don't want to tell my parents and I am trying to figure out the best way to pay off this debt. Should I close the account? Will that hurt my credit score even more? What does my credit score ... |
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 I have bad credit and I need a personal loan for my education? |
| I need a private loan .. Give me some ideas if you have any ..... |
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 I have received a visa card but no pin number yet.can i still use the card in a visa outlet ? |
| i have received a visa card but the pin number has not arrived yet.can i still use the card in a chip and pin outlet with just my signature and some i.d?... |
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 I wanna cancel one of my credit cards...? |
| is that true that it could affect my credit history? Is cancelling generally bad idea?... |
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| My Credit is Really Bad and I owe 50,000 in Student Loans!!? |
If I start paying for my student loans will that improve my credit?
My credit score is around 512 for past mistakes--what can I do to get out of this hole? SHould I leave the country and ... |
|
 My husband and I lost our jobs about the same time, we couldn't pay a lot of bills, can credit card comp do an |
| Can credit card companys do anything like take our home or vehicles, etc. we have our home paid for, and our cars, and we have one debit card we keep up, but just started working again and can not ... |
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 I have an aunt with a lot of credit cards? |
| I'm going to ask her to put me on them to improve my credit score. How does this work?... |
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 Getting a credit card without any credit? |
| My husband and I are just starting out and we are trying to build up credit. (i know...not the economy to do it in...) are there any companies that specialize in this?? We have absolutely no credit...... |
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 Could someone lend me 1600$? |
| i want to start internet bussines and its impossible to take a credit in a bank in belarus. so i asked the world for the help. i do belive that there is more good people then the other ones. thank ... |
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harlacan | Why do we have to pay for our own credit report? |
It's my fico score,
My credit info,
Why should I have to pay for it?
What the big deal? |
 |
 
parshooter
|
You don't, new law says you can get 1 a year all you have to do is ask your bank. |
|
echo
 |
Credit reporting agencies are independent businesses. They are not governmental agency's.
The drawbacks of using a free FACT-ACT report is that if you have something on there that you want to dispute, it gives the credit reporting agency's an extra 15 days to work on your dispute. That makes a big difference in whether your dispute is effective.
Using the paid reports give them 30+5 days to finish the dispute, using the free reports gives them 45+5 days. (the 5 days is for mailing)
Selling you your credit reports is a small fraction of the money they make off of you.
The following is just a couple of examples of how they make the money from "YOU" if you are not opted out:
They sell your reports to company's for promotional purposes.
They sell your report to collection agencies that are looking for bad debts.
<slightly off topic>
If you want to read something really scary, order your LexisNexis reports. Not everyones LN reports are that bad, but many people will find out that they have no privacy what-so-ever, and there is very little that you can do about the information that those reports contain.
For example, you may find people on that report that you have never heard of before, simply because they were/are your friends, neighbors, co-workers, worked in the same building, went to the same school etc. Also, you could be on "their" reports too.
And, anyone with $8.00 and your SSN can order your LN. |
|
car_del99
|
SO THE CREDIT REPORTING COMPANIES CAN MAKE MONEY.... WHAT;S THE BIG DEAL???? MONEY !!!!! |
|
tomporter764
|
capitalisim......they produce it we must therefore buy it
sucks |
|
what?
 |
First, you don't have to pay for your credit report (anymore).
You have to pay because it's a private company that produces and maintains the report & score. This is not a government service. Would you think that you should be able to call a telemarketer if you forgot your phone number? |
|
Robby
 |
service charges for those who maintain the data bases |
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Perfectpeach
 |
It's just another way for "the man" to take advanage of us consumers. check out www.annualcreditreport.com. they give you a freebie from the 3 major bureau's every year. |
|
Amanda
 |
I agree, they make money off of your credit report. It should be free. Although you can get a free credit report if you're denied credit. The law says that they have to give you a copy within like 60 days or something. It's really lame. |
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Nikki W
|
annualcreditreport.com does it for free. |
|
Kokopelli
|
You were detected, selected, rejected, inspected
Past due, overdue, undue, redo,
Foreclosed on, bankrupted.
Verified, terrified,
Charged off, garnished, judged on,
Paid not as agreed, defaulted, denied.
They did all this for you, hashed your info
Rehashed your info,
Made a score
your score,
just for you.
And now you wonder
why?
You have to pay.
They have salaries, rents, phone bills, payroll tax, insurance;
Health insurance, 401K, electric bills, computer expenses, telephone.
Do you expect THEM to pay? keep dreaming. Ain't gonna happen.
Them that pays, eats. Them that don't, starves. |
|
Silent Kninja
|
I believe there is a government sponsored site where you can get a free credit report from the big 3 bureaus once per year. I got a newsletter from my local politician in eastern Pennsylvania and ordered one from one credit bureau, I left the other 2 open in case I needed to see them. I don't recall the site, though. Do a net search.
I agree with your premise that it should be free to you always. |
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rockEsquirrel
|
Nothing is free. Who pays for the paper to print it? Who pays the postage to mail it? Who pays the salary of someone to keep the records? |
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Pancakes
|
Fico score is a new pareto made up by credit companies so they can charge you. Your credit information is free, once a year. |
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Angel
|
this is a way for credit companies to try earning a few bucks. you're entitled to one free credit report from every agency once a year. |
|
The regular guy
|
Actually you don't. The government allows you to get your credit report 1 yr or 1 every 6months for free. I can't remember the website but the government will allow you to down load a copy. I say it on the today show about a year ago. These companies that sell you the reports are reaping off the everyone. |
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Italianbella
|
If you live in Louisiana it is free once a year!.. experian does it check see if u have to pay.. |
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judith r
|
You shouldn't ! just go ask your bank manager. |
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Rich B
|
Federal law says that you can get a free credit report from each of the 3 bureaus once per year. Go to annualcreditreport.com. However, you may still have to pay to get your FICO score. |
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joubaur
 |
Because you're a captive audience!
You can get one free report per year, per agency, BUT, they don't give you your score because they aren't forced to by law. Therefore, immoral as it is, if you want your score you have to buy it. |
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A7X
|
Don't. Get it on the net, like have you seen any of the commercials on T.V. yet? Do it on the net dummy! |
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bugnscout
|
You can get them for free now. |
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Mike
|
You don't have to. You get one free each year. Go to this site for details:
https://www.annualcreditreport.com/cra/index.jsp |
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