Sep
16
? asked:
How Do I Get a Free Copy of All 3 Credit Reports? -Thanks!
EARLE
How Do I Get a Free Copy of All 3 Credit Reports? -Thanks!
EARLE
Sep
16
Stephanie asked:
ok so me and my fiance got a credit card at a jewlery store and my engagement ring is on it. we paid our 20%. how how long after that will it start affecting our credit reports?
REFUGIO
ok so me and my fiance got a credit card at a jewlery store and my engagement ring is on it. we paid our 20%. how how long after that will it start affecting our credit reports?
REFUGIO
Sep
15
when do credit reports get updated?
Filed Under Credit | 3 Comments
mimi asked:
On may 13 I paid off a collections of over 1,000 dollars for an apartment 5 years ago. I received the paper that it was paid off and there is a zero balance. I remember the lady saying that credit reports get updated on the 1st every month. Is this true?
PETE
On may 13 I paid off a collections of over 1,000 dollars for an apartment 5 years ago. I received the paper that it was paid off and there is a zero balance. I remember the lady saying that credit reports get updated on the 1st every month. Is this true?
PETE
Sep
15
Trisha0212 asked:
I AM TRYING TO GET A HOME LOAN FOR THE FIRST TIME. I HAD ALOT OF MEDICAL BILLS ON MY CREDIT. I DID GET EVERYONE OF THEM PAID OFF. THE PROBLEM IS THAT THEY WILL NOT UPDATE MY REPORTS. HOW DO I GET THEM TO SHOW THESE ITEMS PAID ON MY REPORTS?
SOLOMON
I AM TRYING TO GET A HOME LOAN FOR THE FIRST TIME. I HAD ALOT OF MEDICAL BILLS ON MY CREDIT. I DID GET EVERYONE OF THEM PAID OFF. THE PROBLEM IS THAT THEY WILL NOT UPDATE MY REPORTS. HOW DO I GET THEM TO SHOW THESE ITEMS PAID ON MY REPORTS?
SOLOMON
Sep
14
Are there any car insurance companies that ignore credit reports?
Filed Under Insurance & Registration | 7 Comments
Trombone asked:
I have recently fallen into hard credit rating times due to a recently failed business of mine. I need to shop around for new car insurance and other than the bad credit would normally get a great rate (no tickets, accidents, 30+, decent salary). I’ve heard mention of certain car insurance companies that will not pull your credit rating. Know of any?
RODRIGO
I have recently fallen into hard credit rating times due to a recently failed business of mine. I need to shop around for new car insurance and other than the bad credit would normally get a great rate (no tickets, accidents, 30+, decent salary). I’ve heard mention of certain car insurance companies that will not pull your credit rating. Know of any?
RODRIGO
Sep
13
darko_d1 asked:
I negotiated a pay to delete with a collection company. They told me the date that they will report. Will it drop from my credit report that day or will it take time from the date that they tell the bureaus to delete it?
JASPER
I negotiated a pay to delete with a collection company. They told me the date that they will report. Will it drop from my credit report that day or will it take time from the date that they tell the bureaus to delete it?
JASPER
Sep
6
Lil One asked:
All three credit bureaus have my name misspelled, not in the “name variation” section, but on the greeting of the letter and in the address they mail the reports to.
All three credit bureaus have my name misspelled, not in the “name variation” section, but on the greeting of the letter and in the address they mail the reports to.
I’ve tried calling them, but it seems like I have to jump through a ton of hoops just to get it fixed. Is it really worth fixing it? Or does it not really matter?
ESTEBAN
Sep
5
tjluvsjeff24 asked:
Is there anywhere you can obtain your credit report for free online? I mean really free, not with a dollar processing fee or having to sign up for something that isn’t free, I’m talking FREE? Anybody find one yet?
MARCUS
Is there anywhere you can obtain your credit report for free online? I mean really free, not with a dollar processing fee or having to sign up for something that isn’t free, I’m talking FREE? Anybody find one yet?
MARCUS
Sep
3
Where can I get have credit reports run for free on my tenants?
Filed Under Renting & Real Estate | 4 Comments
Joseph F asked:
I have an application form from 2 tenants for a prop I will be renting out. I have their SSNs and signed consent to run the credit checks. Where can I get it done for FREE?
I have an application form from 2 tenants for a prop I will be renting out. I have their SSNs and signed consent to run the credit checks. Where can I get it done for FREE?
Please do NOT sugget contacting my local realtor to do this for me. I know that already. But that means paying money. I am asking of some service that will perform this for free. Help!
ADRIAN
Sep
2
Filed Under Finance | Leave a Comment
Mike Clover asked:
Checking your free credit score report is probably one of the hottest topics these days. With the average American not being rich, and at times in need of a loan, they need to keep there credit score healthy. There will be situations where someone will need to pull your credit report. If you have bad credit, it may not be a good experience for you. There is lots of talk about annualcreditreport, but there is not much talk about not getting your credit score there. Annualcreditreport does provide you with a free credit report from all 3 credit bureaus, but you don’t get your scores. You can get this report once a year for free. A lot can happen to your credit report during a year’s time. Here are some examples.
Inaccurate credit report
Studies show that inaccuracies are common in credit reports and can harm your ability to get loans. Inaccurate information on your credit will cause harm to your credit rating. When your credit rating is jeopardized, so is the ability to get loans, good interest rates, or even that new “Dream Job.” Often there is human error involved in the reporting process. Creditors pay someone to report information about you. At times this information may have been keyed in incorrectly, and as a result your credit score drops.
Identity Theft Protection
Someone’s identity is stolen every 3 seconds. If you think about that, someone could be stealing your identity as you read this article. That is pretty scary. If an identity thief has got your information currently and is out using your credit, how would you ever find out without pulling your credit report? Maybe someone is out opening credit in your name, and charging up stuff. What ever the thief is doing, you are probably not going to find out about it until it’s too late. If you get credit report monitoring services set up, you would get e-mail alerts when critical changes take place to your credit report. Critical changes like someone opening credit in your name and out having a field day with your credit.
Conclusion:
Checking your credit report should not be a scary thing, it should be a positive thing. If you are managing your credit properly, then you will pull your credit in confidence. You will be able to go to creditors and get good interest rate loans with ease. Since a lot can happen to your credit in such a short time, you should get a copy of your free credit score report every 60 to 90 days. Checking your credit report once a year is asking for a disaster, and is total disregard for what is really going on out there Protect yourself by staying on top of your report. I would not wait for it to happen to you, check your free credit score report today.
DONNELL
Checking your free credit score report is probably one of the hottest topics these days. With the average American not being rich, and at times in need of a loan, they need to keep there credit score healthy. There will be situations where someone will need to pull your credit report. If you have bad credit, it may not be a good experience for you. There is lots of talk about annualcreditreport, but there is not much talk about not getting your credit score there. Annualcreditreport does provide you with a free credit report from all 3 credit bureaus, but you don’t get your scores. You can get this report once a year for free. A lot can happen to your credit report during a year’s time. Here are some examples.
Inaccurate credit report
Studies show that inaccuracies are common in credit reports and can harm your ability to get loans. Inaccurate information on your credit will cause harm to your credit rating. When your credit rating is jeopardized, so is the ability to get loans, good interest rates, or even that new “Dream Job.” Often there is human error involved in the reporting process. Creditors pay someone to report information about you. At times this information may have been keyed in incorrectly, and as a result your credit score drops.
Identity Theft Protection
Someone’s identity is stolen every 3 seconds. If you think about that, someone could be stealing your identity as you read this article. That is pretty scary. If an identity thief has got your information currently and is out using your credit, how would you ever find out without pulling your credit report? Maybe someone is out opening credit in your name, and charging up stuff. What ever the thief is doing, you are probably not going to find out about it until it’s too late. If you get credit report monitoring services set up, you would get e-mail alerts when critical changes take place to your credit report. Critical changes like someone opening credit in your name and out having a field day with your credit.
Conclusion:
Checking your credit report should not be a scary thing, it should be a positive thing. If you are managing your credit properly, then you will pull your credit in confidence. You will be able to go to creditors and get good interest rate loans with ease. Since a lot can happen to your credit in such a short time, you should get a copy of your free credit score report every 60 to 90 days. Checking your credit report once a year is asking for a disaster, and is total disregard for what is really going on out there Protect yourself by staying on top of your report. I would not wait for it to happen to you, check your free credit score report today.
DONNELL