three free credit report

LusciousLady asked:


Recently I’ve been looking to fix my credit. Its nothing major just a few minor things and I’ve been reading alot of information. I read that If I’m denied for credit that I can send proof and request a FREE credit report being that I’ve already used my one for the year. Can I send that to all three bureaus?

Jack

isis_mther_of_the_nile04 asked:


Hi Everyone!!

I’m interested in buying a car in a few months. Currently I have a credit score of 540 and I want to increase it to at least 600. I’ve have deliquent accounts, collections, hospital bills, and student loans (they’re deffered, I don’t have to pay them back until 2010), on my credit report. I’ve paid off all of my deliquent accounts, and only have three accounts in collections (which I have monthly payment plans set up).

Will settling collection accounts increase my credits score? What are some things I can do to increase my credit score by December 2008?

Gina

peggydupree asked:


CREDIT QUESTION, Will This Restore My Credit?
i have two credit card charge offs for 700 each, a cable bill for 300, and some other thing for 63 dollar showing as delinquent on my credit report, i already payed my jewelry charge off and my alltel charge off, and i plan to go ahead and pay my other charge offs within two months, since i still live at home and have no other bills, i just recently got denied for three cards, i know it was stupid to apply, but i wanted to start rebuilding my credit, i do have stafford loans but i don’t have to pay them back now cause i am still in school, so i figured that i won’t apply for credit, i will just start paying on my student loans now and i was thinking about getting a secured credit card at my bank, will this help my credit by doing all of this, by next august when i finish school i want to get a car

Scott

Drew C asked:


So I was in a relationship but not technically married at the time these credit cards were issued. But we had three credit cards and two of them we had around a $15,000 limit and I was added by my partner as an additional credit card holder, so I had two cards in my name also. We had a third credit card that was only in her name but it just had a $1300 limit and she gave me that one to use as my business card. She gave me permission to use it and we were making payments on it every month but I was the one sending in the payments since it was my charges and I was responsible for paying back. Well we got legally married 6 months ago and we are now getting divorced and things are getting nasty. She told me that I had to pay the full $1300 off immediately or else she was going to report it as fraud/identity theft and claim she never new about this card. I was going to pay it all off because I did not want to deal with the police…then she came to me and said that since she was going to file bankruptcy that she was advised not to pay any of her credit cards…she then said if I gave her $600 cash she would not report it as “Fruad” – well I don’t want to deal with the police and they are my charges so I gave her cash….then a few days later she gets even more bitter and now she’s filed a police report and I got a call from the police yesterday (I missed the call).

My question is what can I do? The bill and every thing they sent came to our house and PO Box for almost two years…payments were being made…she even gave me money to make some of the payments! What can I do? Is it my word against hers now? Is this illegal if I had permission?? Thanks!

Joan

BunnyMoon asked:


Are credit companies tightening their belts and re-evaluating people on a new scale or something? I just ordered my credit report and I have NO LATES in more than two years.. I also pay off all my credit cards in full and my husband has no lates on his either.. There are no high balances, I haven’t opened any new accounts or closed any.. There’s no suspicious activity or anything. My credit used to suck after I got out of college, but since I’ve been married the past three years, everything was good, paid and on time. It went from about 450 when I started to 655 in December.. Then last month it went down to 630’s and this week down to 600’s.. WHAT IS GOING ON?!?!?
I should also say, I’m not a co-signer on anything, I don’t have a mortgage, student loans, a car loan or anything like that. Everything I have is paid off and I just use my credit cards for small things during the month and pay off before the due date, usually 100% in full.

I’m really baffled. My husband has excellent credit, but not too much income and I was hoping to boost my credit to use our combined incomes when buying a house in the next year or two. Due to this recent blow, that’s probably not going to happen.

Help/advice appreciated!!

P.S. I already checked my credit report. Like I said, no suspicious/unauthorized activity. I do have some debt on medical issues, but they are not on my credit report or reported yet, and they are in dispute with insurance.. I really don’t know why this is happening after working so hard to fix it by being responsible.. I feel so upset!!

Marion

Michelle G asked:


My husband and I filed bankruptcy 3 years ago and have two years left until we’re discharged. I checked our credit report and FICO scores (his is 685 and mine is 620). Will we have to wait until we have been discharged to try and purchase a house? We already own a home, but with three children, we have grown out of our present home and desperately need a bigger one! My husband and I are in a MUCH better financial position now, the only thing is our bankruptcy filing (Ch. 13). Also, can we pay it off early by making double payments?

Jessica

Smiley Boo asked:


I was wrongly charged for some services that I did not order from Sprint. I contacted Sprint’s Fraud Management, filled out the paperwork as instructed and mailed them in. Its been three months and I have not heard anything from that department. I have not been able to contact them to find out the status of my complaint. My question is: “How can I deal with this problem and get that false charged off my credit report?”

Ronnie

Tim asked:


I want to know what are the consequences if I stop making payments on a car…I understand that they will report it to three credit bureaus. What else can they do? Is it illegal to stop making car payments?

Phyllis