Archive for the ‘Credit’ Category

The cheapest place to get 3 credit report and score on montly basis?

March 10th, 2011
Mentiso asked:


freecreditrepot.com and myfico.com charge $38.95/month. Is there any other site that will give me all my scores and report for a cheaper monthly rate.

I have already gone to AnnualCreditReport.com and got my credit report.

Leon

Posted in Credit Tags: , Comments Off

Getting your credit report with your credit score all 3 bureaus?

January 31st, 2011
Nate asked:


How can I get my credit report from all 3 bureaus with all 3 credit scores? What Site and how much does it cost?

* I already got my free credit report but not my scores * I want my credit scores

Angela

Posted in Credit Tags: , , , 3 Comments »

What is the website where I can obtain a free credit report from the top 3 credit report companies?

January 6th, 2011
Rosie asked:


This website gives you one free credit report once a year/every 12 months?

Walter
Posted in Credit Tags: , , , 2 Comments »

I have a pretty good credit score, but not much history, will I get denied when applying for a credit card?

October 24th, 2010
Jake T asked:


My score is rated at 722 which is average to good I guess, it is all from paying student loans on time as I have never had a credit card before… but I’ve decided to finally break down and get one.

However, I accidentally applied for one that required “excellent” credit and got denied the other day…. I would like to apply for another one, but I do not want to get denied again and have a lot of recent inquiries on my credit report as that will drag down my score.

So should I now apply for a card that just requires “fair” credit so I know I will be accepted?

The reason for all this is I’m starting a business, however it is still at such an early stage that I doubt I would get approved for a small business credit card…

I’m looking to get a two to three thousand dollar limit…

Juanita

Posted in Credit Tags: , , , , , , , , , , , , , , 4 Comments »

Has anyone gotten credit using PRBC?

October 12th, 2010
JLow asked:


I just found out about a credit reporting agency that isn’t one of the big three but is geared for the consumer without credit. I am interested in using it to build my credit, but don’t want to if it won’t help me get approved eventually. Has anyone used this agency and if so, was it helpful in getting you approved for a mortgage?

Gladys
Posted in Credit Tags: , , , , 3 Comments »

Would this be on my credit?

October 9th, 2010
munkees81 asked:


Two weeks ago, this guy that wanted to rent me his house gave me a credit application. I filled it out, and he said he would run it through and get back to me. Three days later, he said he was going to go with someone else because my credit wasn’t up to par. I was confused, so I ran my credit report yesterday, and noticed the “credit inquiries” section. According to all 3 credit agencies, NO ONE has run my credit since March. Is there some way he could have done this without it being on my report by now?
Yes, I got my report from all 3 directly (transunion, equifax, and experian) Are there others? What are they?

Raul
Posted in Credit Tags: , , , , 3 Comments »

Credit Card Authorized user question?

October 3rd, 2010
AmBeR asked:


I am in the beginning stages of building my credit, so far so good. Today I just found out how to get my 1 free credit report a year. I have been wanting to figure this out to see how I am doing. Everything looks good, I have 0 potentially negative items and 3 accounts in good standing, which I have never been late on paying, very low balances and have had for almost 2 years…. EXCEPT I see I have THREE accounts in good standing, I find out that the third one is a authorized user on my moms credit card. This would be just fine with me if my mom and dad weren’t having financial problems right now, but they are. I see that the card hasn’t been charged for over 1 year and always had a low balance prior, but within the last 3 months she has been charging and only paying the minium payment. This worries me because I have tried so very hard to keep a clean record and I have very high goals to buy a house within the next 3-4 years. So then I did some more research and find out that as of 2008 FICO did not include authorized users in the scoring formula… Thank goodness!! BUT my question is… Why is it still on my Credit Report???????

Gerald
Posted in Credit Tags: , , , , , , 4 Comments »

If I make credit bureau aware of an adverse court judgment, will it affect my score?

October 2nd, 2010
CIA asked:


I need to dispute an item on my credit report. I can prove my case, but it will involve providing a court document to the credit bureau that they have not been aware of, which shows me as a co-defendant with the creditor three years ago. I don’t want to raise a flag since my credit is in the excellent range, but it is the only way I can prove what I say. Will the credit bureau automatically include this default judgment in my report if I provide it to them, and is it likely to hurt my score?

Charlie
Posted in Credit Tags: , , , , , , , 2 Comments »

Updating credit scores?

September 28th, 2010
redmeansgo asked:


I was just looking at my credit report/score and the most recent information it gave from my cards and accounts was from March, for all three bureaus. I was just wondering if there was anything I could do to get that updated, like call equifax, tu, or anything like that. I’m not looking into buying anything right now, I would just like to know why my score hasn’t gone up since March. All my balances are lower than they were now, so I don’t see why nothing has updated. Thanks!

Esther
Posted in Credit Tags: , , , , 2 Comments »

with out pay to change errors on credit reports?

September 21st, 2010
Mary J asked:


i am a victim of id thief for the past three years and have found items and things that are not mind on the report and would like to request that these things be removed only everyone wants charge me to do what i can do myself

William
Posted in Credit Tags: , 6 Comments »
« Older Entries
download wordpress themplates
Compare cell phone plans and deals | Thanks to Best CD Rates, Conveyancing in London and Registry Software