Charley M asked:


What is their business model? They advertise a lot on the Internet and TV, they must be profitable.

ANDREA

Enlightenme! asked:


The reason I am asking is because I had been abroad for a few years and am now resettling back in the States.

I went to open a bank account since I closed it and requested a credit card.

I got a letter in the mail the other day which explained I been denied a credit card. Although I did have a problem I did settle the debt less than 6 months ago.

Anyway, I went on the website as it suggested in the letter to view my credit report and it appeared to be clean with none of the reasons for my denial mentioned in the letter.

Is it common for these ‘credit check’ companies to make errors??

I would like to know:

1. What action should I take? (I plan to call them tomorrow), action I can take if they are mistaken?

2. If there is a problem and I clear it up, how long could it take for me to get approval and get a credit card?

Thanks.
I closed my bank accounts at this same bank previously and noticed it did mention that my accounts were closed previously on my credit report. Can this be perceived as a red flag?

LYNN

jim jones asked:


For the past 4 years a collection agency has been placing an account on my file that is not mine. I asked them to remove it and the “supervisor” I spoke with got a very nasty attitude with me and hung up. When I called back I heard her yelling obscenities about me to the person I was talking to, and then she began to berate me. If not for her bad attitude I would have been content with them just removing the item. But now I feel they should pay damages.

ROBERTO

Liana Mei asked:


i’ve been paying a monthly service for a while now, monitoring service, and my credit report still says last info given was in august or sept. I want to know how my credit behavior has affected my score…how can I get the updated version from identity guard, or is there even an updated version available yet?
I have several cards that I have used and paid off on a monthly basis…i want to get my credit back up to the pre-inquiry score. My reports don’t have anything listed for after august…not even a “no data” box. I thought perhaps they reported to the bureaus after a few months.
and i know this bank reports to the bureaus because my report goes from 2005 to august for the first card I opened with this bank.

FREEMAN