Information to help you qualify for credit
We all have credit reports and credit scores. What or who determines your score? Is it based on your payments and good credit/bad credit history? Is it computer generated or does an actual person go in and make that determination?
All of the free credit report offers on the internet require your credit card info and want you to join a club, which is totally crazy to me. If I wanted to join a club, I would have asked for membership info. So is there such a thing as a completely free credit report?
A few delinquent accounts on my credit report will pass the seven year mark in a few months. I have heard that seven years is the limit for these to stay on your credit report, is this true? Also, will they be removed from my report automatically or do I need to do something once the fall off date has passed?
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I have a credit card that I never use. How does this account affect my credit score? Does it just show on my credit report as an open account in good standing or does it not show up at all since it’s not being used? Would I be better off closing his account?
I would like to settle a closed credit card account that has been charged off and bought out by a collection agency. The collection agency is offering me a discount if I pay the account in full. If I do this, will my credit report eventually show this account closed and paid off like the agency said it would?
I would like to know what a credit report will look like after filing chapter 7 bankruptcy. Does it show all your accounts along with the balances just with discharged on each, or is your credit report simply blank with just the bankruptcy on it?
I have been paying down the balances on my credit card accounts for some time now but the changes have not shown up on my credit report. I have not looked at my credit report, I am relying on a service I have that alerts me when my scores go up or down or if there’s any inquiries. Is it necessary for me to ask the credit card companies to report the balance changes? Why does it seem that negative items are reported really fast, but positive reports take forever? Is there any way to speed up this process?
I know that I can get my free credit report once a year, but there are 3 different reporting agencies to chose from. Which of those agencies is most accurate, and gives the most information? I want one to show all the negative things that I might have so I can fix them.
It’s time to Uncover the Truth, here are 5 Reasons to Check Your Credit Report.
I no longer have a credit card and every site I go to asks me to purchase my credit report. Is there anyway that I can get my credit report online for free with out using a credit card?
The singing pirates are back, and forced to drive a real junker due to bad credit. If he would have used freecreditreport.com then he would have known his credit was bad and wouldn’t have been so disappointed at the dealership.
There are a few items which have been reaged by a collections agency and they cannot do that. The SOL has passed and they should be removed from my credit report. Also, when you view your credit report where is the "date of last activity"? All I see is the open date and last reported date. The last reported date can’t possibly be the date to go by because then the companies can stay on your credit report forever. I have never had problems about stuff dropping off before but Capital One refuses to drop off and the three different collection agencies (for one card mind you) keep reporting a new date opened. This is ridiculous. How can I get them off? It has been 8 years now and they are still on there.
If you’re checking your credit report regularly, you should be looking for more than your credit score. You should also check for mistakes on your credit report and make sure all the information is accurate. If you find a mistake on your credit report, you will want to file a dispute with the three credit reporting bureaus. By law, the credit reporting bureaus are required to address your dispute within 30 days. Sometimes the credit reporting agency can come to a quick resolution, but other times, it may take longer to come to an agreement with the lender. Either way, watch your credit report very carefully for any false information and file a dispute immediately.
I received my credit report today and it shows that my total credit amount is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit/max balance and that all of my credit cards hadn’t been reported for the past three months. Is there an effective way to contact the credit card companies and get them to report accurate and up to date information to the credit bureaus? I feel that this issue is affecting my credit score, so I would like to fix it.
Thanks.
Not sure how to get your free credit report? There are a lot of websites out there that are charging you and putting you on continuing service agreement just to access to your credit report. You don’t have to pay anyone to get your credit report! You can get it online at www.annualcreditreport.com. You can only get it from each credit bureau once every 12 months.
When I activated my credit card they asked me to verify the make and model of my car. How do they know, it is a different company and my credit report doesn’t have this information. How can I see the credit report they see that has the make and model of my car?
Because of Identity theft, a man is forced to work in fish food restaurant and where a pirate suit. He and fellow scallywags sing about it.
I have mostly hospital bills on my report but I also have some other things on there too (just five). When they get paid off, how long does it take for the company to remove it off your credit report? Is there someway for me to consolidate my credit report, pay it off and then pay them monthly? All this credit stuff is confusing!
This video shows you how to read the basic information on your credit report and what you need to do if you find errors on your report.
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OK, I’ve never really understood the whole credit thing and I don’t know if I have bad credit or no credit, but I can’t seem to get a credit card from anywhere to even build credit. Where is the best place to check out my credit report safely and help me understand in layman’s terms about everything?
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I just found out I have a collection on my credit report. I have no idea what it is or anything. I have to wait until tomorrow and call them before noon. What would happen if I paid that? Will it lower my credit score or will it go up a little?
Attorney David Szwak Explains How A Credit Report Is Compiled And The Score Determined. He Also Explains The Inaccuracies Of The Reports.
I’m 21 years old and I need a better credit score. I have a lot of negative items on my credit report, what’s the best way of getting these removed quickly? If i write a letter to the creditors explaining whyIi didn’t make a payment will they remove it?
I just ran my credit report and there are several hits on it to say the least. Is it better to call the collection agencies directly and work out payment arrangements or should I contact a credit consolidator? And what is the best credit consolidator?
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