xoookissthisooox asked:


I have bad credit and I am working to establish that credit. I’ve heard of the prepaid credit cards that report to the credit bureau, but some are $30 to start the account. I’m looking for the following:

- Reports to credit bureau, so that I can improve my credit.
- Low start up fee. (Under $10.00)
- Low monthly or annual fee (Under $10 p/month, $60 p/year)

If anyone knows, or has story about a good card, please respond. Thanks.
I appreciate the answers. I am looking for one that does not go through a bank. I don’t want to have to open a new bank account for it. I’m looking along the lines of a mastercard/visa/etc. Thanks.

ETHAN

Russell asked:


If you settle with a collection agency and they agree to remove the negative information from your credit report then will it be removed or can the credit reporting agency leave it their for the usual seven years? Does the right to remove the negative information come from the collection agency or the credit reporting agency?

SILAS

leanna asked:


What websites offer free credit reports? Can you get them for free once every year?

LAVERNE

Master Dog Trainer asked:


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

new_mommy asked:


i own a building and i would like to do credit checks on people that are interesred in renting an apartment from me.

DEANDRE

Dog Rescuer asked:


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

G asked:


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

Samy R asked:


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

Sarah asked:


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