Mar
10
Should I keep an $11k store credit card open even if I will never use it? How does it affect credit reports?
Filed Under Credit | Leave a Comment
Hello. A couple of years I got suckered into accepting one of the scamming catalog companies offer of giving me an $11,500 purchase limit for a yearly fee of $99. Once I received the catalogs, of course the stuff is all VERY overpriced and I don’t need to stoop to that kind of buying. It shows on my credit report as an open acct in good standing and never used.
For you Credit Analysts out there…please answer my Q…
I will never use this credit. When creditors look at it, do they think it is GOOD that I have an account with such a high limit and no bal due, OR should I close the account so creditors don’t think I am high risk D/I or likely to over-extend myself if I choose to use it.
Any other opinions as to how its presence affects my credit score are greatly appreciated. I have about 10 real credit cards all in good standing, current credit score is about 580 (major malfunction on a mort. a couple of years ago, is current now).
Thank You in advance for helpful replies!
GORDON
Mar
6
is there an online program to check credit reports on several people?
Filed Under Renting & Real Estate | 2 Comments
i own a building and i would like to do credit checks on people that are interesred in renting an apartment from me.
DEANDRE
Mar
3
Equifax continually reports the same errors on our credit report ..when I wrote and disputed the same negligent errors..they posted a stolen credit card note to one of my credit cards that was open..It forced it to close..Does anyone have a phone number to the main Equifax office..This is a nite mare…
Equifax is AWFUL
FREDERICK
Mar
3
According to Equifax I have 4 negative items, Experian shows 12 and Transunion has more. Shouldn’t all 3 have the same information? Also, if Transunion deletes something shouldn’t the other two do the same?
BARTON
Mar
2
I want the real Fico score. I need to keep track of my reports and I want to be able to pull an new one with score anytime… monthly membership type thing??
WILEY
Mar
1
Does anyone know anything about credit reports?
Filed Under Credit | 2 Comments
I think someone has a credit card in my name because I’ve never had one before & when I applied for one I was denied b/c I somehow owe one already & I was told about some site that gives you a free credit report once a year, does anyone know what that is? I need one that doesn’t require a credit card or card numbers. Please help!
MARSHALL
Feb
19
Had all 3 credit reports fixed after identity theft done to me. Does the credit agencies owe me points now?
Filed Under Credit | 4 Comments
Mother stole my identity and i was able to fix the problem. all 7 credit cards that i owed due to the theft was removed.
My question is, can i ask the credit report agencies to increase my credit score because i never opened these credit cards and i have documents to prove it.
i figure since all of them were removed that i could have my points back that i once had. i had about 750 then due to the identity theft i now am left with 450 points.
LUKE
Feb
17
Are personal income listed on credit reports?
Filed Under Credit | 4 Comments
I am trying to consolidate a high interest equity loan with my mortatge but don’t want the bank to see my income. When they pull my report are they going to see the income? I pulled my report and didn’t see anything. Just wondering if they will see the same thing as me, or they have access to a more comprehensive report that list the income?
CLARENCE
Feb
15
What is annual credit reports phone number?
Filed Under Credit | 3 Comments
I have the phone number that is on the website, but that is for an automated service. I need to speak to a real person. Who can I contact?
JOHN
Feb
15
Do I have to contact each one separately?
LEROY