Jun
18
Where is the best place online to get free credit reports without paying or getting ****** into a scam?
Filed Under Other - Electronics | 4 Comments
asked:
I am entering the market to buy a house and I want to make sure my credit report is accurate before I need to apply for a loan.
DEANDRE
I am entering the market to buy a house and I want to make sure my credit report is accurate before I need to apply for a loan.
DEANDRE
Jun
17
Credit reports?
Filed Under Credit | 6 Comments
cory55355 asked:
are there any sites where it is actually free to get a credit report?
VALENTIN
are there any sites where it is actually free to get a credit report?
VALENTIN
Jun
14
nikia asked:
I’ve gone to get my credit report online through experian but its telling me I have to pay for the actual score. I don’t understand why.
JOSE
I’ve gone to get my credit report online through experian but its telling me I have to pay for the actual score. I don’t understand why.
JOSE
Jun
14
How do I dispute charges on my credit reports without having ordered a credit repot?
Filed Under Credit | 5 Comments
mr. Y asked:
I want to order my credit report after I have my charges updated.
IAN
I want to order my credit report after I have my charges updated.
IAN
Jun
12
Filed Under Credit | Leave a Comment
Stephen Chua asked:
Your credit report contains vital information that affects your credit score. Every time you take up a loan or apply for credit, your lenders will access your credits report to see if you qualify for the it. Thus it is imperative that you constantly monitor your credit report to make sure it is in good health.
Given the monstrous amount of data each credit bureaus process on a daily basis, there are bound to be errors in one form or another. Here are a few common errors found in credit reports:
1. Incorrect spellings
This can happen to your name, addresses, telephone number, email address, social security number and so forth. Misspelling can means your report contains negative records that belong to someone else! Just fixing these minor details can give you a significant boost in your credit score.
2. Information that should not be there
Most negative records should disappear from credit report in seven years or less. The exception being bankruptcy which can stay in the report for up to ten years. Make sure to go over the negative records in your credit report and look out for those records that should not be there.
3. Double listing of loan information
This may come as a shock for many people when they noticed that their mortgage loans (or other loans) have been listed more than once in their credit reports. This will inflate the debt amount artificially and increase the debt-to-credit ratio (which is not a good thing).
Lenders may not notice the double listing errors and instead focus more on the debt-to-credit ratio and debt amounts to make their decisions.
4. Missing positive information
If you review your reports from the three major credit bureaus, you probably notice that they are not entirely identical. If you look closer, you will probably find some positive records that exist in one report but not the others.
Don’t ignore them. List them down for each report and call up each credit bureau to report the discrepancy. Positive records can give your credit score a big boost so make sure all of them are included in the three reports.
The three major credit bureaus handle a large volume of data each day and thus it is inevitable that errors will occur. However, it is your responsibility to ensure that your own credit reports contain the correct data. Review your credit reports once every six month and take action quickly when you find any errors.
MANUEL
Your credit report contains vital information that affects your credit score. Every time you take up a loan or apply for credit, your lenders will access your credits report to see if you qualify for the it. Thus it is imperative that you constantly monitor your credit report to make sure it is in good health.
Given the monstrous amount of data each credit bureaus process on a daily basis, there are bound to be errors in one form or another. Here are a few common errors found in credit reports:
1. Incorrect spellings
This can happen to your name, addresses, telephone number, email address, social security number and so forth. Misspelling can means your report contains negative records that belong to someone else! Just fixing these minor details can give you a significant boost in your credit score.
2. Information that should not be there
Most negative records should disappear from credit report in seven years or less. The exception being bankruptcy which can stay in the report for up to ten years. Make sure to go over the negative records in your credit report and look out for those records that should not be there.
3. Double listing of loan information
This may come as a shock for many people when they noticed that their mortgage loans (or other loans) have been listed more than once in their credit reports. This will inflate the debt amount artificially and increase the debt-to-credit ratio (which is not a good thing).
Lenders may not notice the double listing errors and instead focus more on the debt-to-credit ratio and debt amounts to make their decisions.
4. Missing positive information
If you review your reports from the three major credit bureaus, you probably notice that they are not entirely identical. If you look closer, you will probably find some positive records that exist in one report but not the others.
Don’t ignore them. List them down for each report and call up each credit bureau to report the discrepancy. Positive records can give your credit score a big boost so make sure all of them are included in the three reports.
The three major credit bureaus handle a large volume of data each day and thus it is inevitable that errors will occur. However, it is your responsibility to ensure that your own credit reports contain the correct data. Review your credit reports once every six month and take action quickly when you find any errors.
MANUEL
Jun
12
credit reports?
Filed Under Personal Finance | 5 Comments
lovebnjenn asked:
How long does it take for something to report to the credit bureau as paid in full
GERARD
How long does it take for something to report to the credit bureau as paid in full
GERARD
Jun
11
If I provide my own credit reports and score, do I still have to pay a mortgage lender the credit report fee?
Filed Under Renting & Real Estate | 7 Comments
bubbaboeing asked:
Do they still have to obtain their own copy of my credit report?
This is for a home mortgage loan; first time buyer.
ROGER
Do they still have to obtain their own copy of my credit report?
This is for a home mortgage loan; first time buyer.
ROGER
Jun
8
Filed Under Finance | Leave a Comment
Mike Clover asked:
You cannot erase the past credit report issues for usually 7-10 years. With a little work you can rebuild your credit report before all negative information is set to expire. Here is five easy steps to rebuild your credit report.
Step 1: Examine the Damage
The first step in fixing past mistakes is to get a current coy of your free credit score report. Don’t be scared, got ahead and take the plunge order all three credit reports with all 3 credit scores. Ordering your credit report is actually easy and secure on-line. Contrary to popular belief ordering your own credit report does not affect your credit score.
Once you have pulled your report print it out and highlight all information that is incorrect. Make sure you understand everything on it.
Step 2: Check the expiration dates
The current law states that negative information will stay on your credit report for 7-10 years from collection date. The expiration date will vary depending on the type of collection. When you pay off a collection that does not mean it will be removed from your report.
Examine your report and determine when each collection is set to expire. Once these collections are set to expire you will see major improvement to your score.
Step 3: Dispute errors
If you find inaccurate information such as, fraudulent information, collections that expired still reporting, you have the right to dispute. You will have to dispute each of the 3 credit bureaus separately, Equifax, Experian and TransUnion.Once you the bureaus have received your dispute they have 30 days to determine whether they will update information requested.
Don’t dispute good credit on your report, accurate information cannot be removed from your credit report and is a waste of time. Disputing accurate information could harm your credit.
Step 4: Add positive credit
Now that you have disputed information that is not correct and have hopefully got it removed or update you can begin to add positive credit to your report. The quickest way to do this is to get a Orchard bank secured credit card. This credit card is designed to rebuild credit even for people that just got out of a bankruptcy. Make sure you use this card responsibly. Also avoid going applying for to lots of credit, you really need a couple of secured credit cards to start establishing good credit.
Step 5: Monitor your progress
It is very simple to monitor your progress of increasing your creditworthiness these days with credit report monitoring services. You can sign up for credit reporting monitoring services that will allow you to monitor your credit score, get key changes e-mailed to you, along with access to your credit report. Your credit score will improve over time as you add positive information to your report.
TIM
You cannot erase the past credit report issues for usually 7-10 years. With a little work you can rebuild your credit report before all negative information is set to expire. Here is five easy steps to rebuild your credit report.
Step 1: Examine the Damage
The first step in fixing past mistakes is to get a current coy of your free credit score report. Don’t be scared, got ahead and take the plunge order all three credit reports with all 3 credit scores. Ordering your credit report is actually easy and secure on-line. Contrary to popular belief ordering your own credit report does not affect your credit score.
Once you have pulled your report print it out and highlight all information that is incorrect. Make sure you understand everything on it.
Step 2: Check the expiration dates
The current law states that negative information will stay on your credit report for 7-10 years from collection date. The expiration date will vary depending on the type of collection. When you pay off a collection that does not mean it will be removed from your report.
Examine your report and determine when each collection is set to expire. Once these collections are set to expire you will see major improvement to your score.
Step 3: Dispute errors
If you find inaccurate information such as, fraudulent information, collections that expired still reporting, you have the right to dispute. You will have to dispute each of the 3 credit bureaus separately, Equifax, Experian and TransUnion.Once you the bureaus have received your dispute they have 30 days to determine whether they will update information requested.
Don’t dispute good credit on your report, accurate information cannot be removed from your credit report and is a waste of time. Disputing accurate information could harm your credit.
Step 4: Add positive credit
Now that you have disputed information that is not correct and have hopefully got it removed or update you can begin to add positive credit to your report. The quickest way to do this is to get a Orchard bank secured credit card. This credit card is designed to rebuild credit even for people that just got out of a bankruptcy. Make sure you use this card responsibly. Also avoid going applying for to lots of credit, you really need a couple of secured credit cards to start establishing good credit.
Step 5: Monitor your progress
It is very simple to monitor your progress of increasing your creditworthiness these days with credit report monitoring services. You can sign up for credit reporting monitoring services that will allow you to monitor your credit score, get key changes e-mailed to you, along with access to your credit report. Your credit score will improve over time as you add positive information to your report.
TIM
Jun
4
How can I find past credit reports?
Filed Under Credit | 3 Comments
kingtaco asked:
I know the credit rating and can see the report as it currently is but is there any way to find an old report from a year or two ago? I have to idea what my credit was like before and am curious to find out.
GAIL
I know the credit rating and can see the report as it currently is but is there any way to find an old report from a year or two ago? I have to idea what my credit was like before and am curious to find out.
GAIL
Jun
4
Filed Under Credit | Leave a Comment
Mel Jensen asked:
Every year consumers have the right to review their credit report for free. The Fair Credit Reporting Act (FCRA) requires that the three major credit bureaus (Equifax, TransUnion and Experian) provide you with your credit report. It is recommended that you take the time at least once a year to review your credit report. You can obtain information regarding the FCRA or the Federal Trade Commission (FTC) at www.FTC.gov.
The website can provide you with information regarding your rights and your right to obtain your annual credit report for free. A credit report provides information on where you live and your credit history. It also provides information on any legal issues you may have included being sued, arrested, or filed for bankruptcy.
This information is used to evaluate applications for credit, insurance, employment or renting a home. It is extremely important that you take the time to review your credit report and dispute any information that is not accurate on your report. This is often called disputing and can be done by the individual but is often very tedious and time consuming. A legitimate credit repair company such as Ovation Credit Services can obtain information from you about which items on your credit report is inaccurate and dispute that information for you until the information is correct. Credit repair is a legal way for you to correct information on your credit report that is inaccurate.
You can obtain your FREE credit report by one of three methods:
1. You can go online to annualcreditreport.com (be sure that you spell this accurately since there are many imposter sites).
2. You can phone 1-877-322-8228 and provide them with the necessary information.
3. You can obtain an Annual Credit Report Request Form (generally online at www.ftc.gov) and mail that to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
No matter which way that you choose to obtain your credit report, you will need to provide some information. That information is your name, Social Security Number and date of birth. Sometimes you will need to also provide additional information to verify your identity. That information may include information that only you would know such as your monthly mortgage payment amount.
There are many imposter sites that will offer you a free credit report but only if you purchase one of their products. The authorized site may have some offers or additional products for sale but you are not required to purchase them to obtain your free credit report. That free credit report will have information from the three major credit bureaus.
BERNARD
Every year consumers have the right to review their credit report for free. The Fair Credit Reporting Act (FCRA) requires that the three major credit bureaus (Equifax, TransUnion and Experian) provide you with your credit report. It is recommended that you take the time at least once a year to review your credit report. You can obtain information regarding the FCRA or the Federal Trade Commission (FTC) at www.FTC.gov.
The website can provide you with information regarding your rights and your right to obtain your annual credit report for free. A credit report provides information on where you live and your credit history. It also provides information on any legal issues you may have included being sued, arrested, or filed for bankruptcy.
This information is used to evaluate applications for credit, insurance, employment or renting a home. It is extremely important that you take the time to review your credit report and dispute any information that is not accurate on your report. This is often called disputing and can be done by the individual but is often very tedious and time consuming. A legitimate credit repair company such as Ovation Credit Services can obtain information from you about which items on your credit report is inaccurate and dispute that information for you until the information is correct. Credit repair is a legal way for you to correct information on your credit report that is inaccurate.
You can obtain your FREE credit report by one of three methods:
1. You can go online to annualcreditreport.com (be sure that you spell this accurately since there are many imposter sites).
2. You can phone 1-877-322-8228 and provide them with the necessary information.
3. You can obtain an Annual Credit Report Request Form (generally online at www.ftc.gov) and mail that to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
No matter which way that you choose to obtain your credit report, you will need to provide some information. That information is your name, Social Security Number and date of birth. Sometimes you will need to also provide additional information to verify your identity. That information may include information that only you would know such as your monthly mortgage payment amount.
There are many imposter sites that will offer you a free credit report but only if you purchase one of their products. The authorized site may have some offers or additional products for sale but you are not required to purchase them to obtain your free credit report. That free credit report will have information from the three major credit bureaus.
BERNARD