 Is a 592 credit score horrible? |
| That is my score, but I own a home and make over $40,000 a year. I was 30 days late on my house payment 1 time. I have one charge-off from 3 years ago, when i was broke, and 2 old phone/tv bills(... |
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 Can I make personal charges on my business credit card? |
| My car broke down recently and I need to buy another one, but I can't afford to buy one right now. I'd have to lease or finance, but I have a business credit card that has 0 APR for a year,... |
|
 I want to open a bank account but have a bad credit rating? |
| Does anyone know where I can open a bank account where my credit rating wont be a factor - I dont want an overdraft, loan facilities or credit card...just an account and a debit card.... |
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 HELP! I'm being harrassed by creditors!? |
| I am very on time in paying my bills. About a few months ago, my employer at the time shorted my hours making it a hardship on me to pay my bills. The only thing that I could get by with is paying my ... |
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 Returned an item and they gave me a gift card.....? |
| ok i bought a guitar pedal at this crappy/expensive guitar shop near my house and returned the day after and they gave me store credit on a gift card.... but there prices are ridiculos like the pedal ... |
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| Whats a good bank for students ?!? |
| anything other then bank of america. thnkx.... |
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 If I get married and I discover that my wife has $8000? |
credit card debt, am I responsible for her debt if the credit card
company decides to bring it to court? If so, that seems very
unfair. Any suggestions?... |
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 Out of these three what should i choose; if i am getting these free of cost!!? |
since i hv shown good results in my office(company)
i hv been offered to choose any one of these. its a type if gift for me:-
1) A World Space Satallite Radio
2)Dinner for family at ... |
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 I have a creditor calling me? |
| They want over 7,000, but are offering me a settlement of 2,400. They wanted it all at once, or in 3 payments of 800. I told them I cant afford that, and could give them 250 a month. Now they are ... |
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 I do not wish to have a credit card how can i get a debit card? |
| I am new to the U.K. And do not need to pay interest on any credit card I have never used one my whole life we have allways saved the money and payed cash but these days one canot be without a card ... |
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| New to the credit card thing? |
So, I got a credit card, and racked up a $470 bill, so before I got the statement I made a $200 payment.
I got the statement and it says they received the $200, and now I like $276 or something..... |
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 How do i get approved for a loan without good credit and a co signer? |
| i have so many bills overdue and i can't get a loan from no where bc my credit isn't good and i have no co signer.... |
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UserJoe9 | Will my credit score be lowered if I check or inquire about it? |
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 |
 
sgrjackson1
|
It puts a small dint in it. You're allowed to see your credit report free, with no harm to you, once a year, you can go to annualcreditreport.com I think and it gives you the report from three different credit bureaus. |
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GLG 2
|
Unfortunately, yes! This is something they don't and won't tell you. Everytime or any time you or some one else checks your credit history it goes against your ability to obtain credt each time this occurs. It is very important to check your credit , but be aware of the regs regarding such. YOU have to investigate. because THEY won't inform you. Good Luck
The Guero! |
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KH
|
Maybe |
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nsarge1
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no it wont trust me |
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5150
|
Yes..and no
Depends where you are getting your report from. If you get it direct from the provider, no.
If you are getting it from a loan giving place of business yes.
When you apply for credit, they pull a "hard" inquiry. The ones that show up. If you get it from the provider it is a "soft" inquiry and doesn't show up. |
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Curiousty27
 |
No unless you authorize someone else such as a creditor etc. |
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mzJakes
|
no |
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Just Me
|
No...that's not a hard pull...that's a soft pull |
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ES
|
no you should get a free report too every year. Freecreditreport.com |
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Molly
|
No. Just like your credit report itself, you are basically allowed unlimited access to your own report. Those inquiries do now show up or effect your numerical score.
What does is inquiries from other places either when you apply for credit or if current creditors do annual updates. |
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TXRealtor25
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It will lower with 5 or more inquiries within a 90day period. |
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DAP
 |
yes, but only temporarily as all enquiries decrease your score however it will go back to normal the following month unless you do something and a lender then needs to record it against you the next month like a late payment on a credit agreement. |
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jyd9999
 |
nope |
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David H
|
The unequivocal answer is no. You are allowed, by law, to monitor your own credit. Also, by law, you are entitled to free credit reports annually. http://www.annualcreditreport.com is the federally sanctioned web sight. Credit scores are not free but they can be obtained at this sight as well. Additional credit reports can be obtained throughout the year as well without effecting your scores but must be purchased. Or if you are denied credit you can obtain a free report if you respond within thirty days.
freecreditreport.com is designed to lure people to their sight and, obviously, it seems to work. I continue to see incorrect answers referring people to this sight. |
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sweet..dude..sweet..dude
 |
If you are thinking of going to http://www.freecreditreport.com I would reconsider. Check this site out: http://www.ripoffreport.com |
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Killtron 9000
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Checking your own score doesn't hurt you at all. But when somebody else does it (a credit card company you applied to, for example), it might. That will show up on your report. It might not hurt it a lot, but if there enough inquiries, it may be a red flag. |
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