How can i fix this credit issue?
Damon O asked:
I went to a dealership to see about a loan, they turned me down because the car i was interested in was “too old to finance”? So i then tried to go to Citi financial and apply for a personal loan and came to find out the dealer had put 8 inquiry’s on my credit report. Is there something i can do about this?
DALTON
I went to a dealership to see about a loan, they turned me down because the car i was interested in was “too old to finance”? So i then tried to go to Citi financial and apply for a personal loan and came to find out the dealer had put 8 inquiry’s on my credit report. Is there something i can do about this?
DALTON
Will my credit score go up once a disputed item is taken off of my credit report?
awsomenurse asked:
I applied for a personal loan through capitol one and was denied d/t something on my credit report. So I did the 1 time a year free credit report and found out that Sears/City reported me for nonpayment on a card that belongs to my exhusband of 8 years. (he is filing bankruptcy) It has me as an authorized user. We called the credit card company and they said that I was not on that credit card. I am disputing it with equifax. Once it is taken off of my credit report, will my score go up? Should I reapply for the loan? I had excellent credit before this. I make good money and I always pay my debts. We have been divorced for 8 years.
WENDELL
I applied for a personal loan through capitol one and was denied d/t something on my credit report. So I did the 1 time a year free credit report and found out that Sears/City reported me for nonpayment on a card that belongs to my exhusband of 8 years. (he is filing bankruptcy) It has me as an authorized user. We called the credit card company and they said that I was not on that credit card. I am disputing it with equifax. Once it is taken off of my credit report, will my score go up? Should I reapply for the loan? I had excellent credit before this. I make good money and I always pay my debts. We have been divorced for 8 years.
WENDELL
Your Valuable Credit Report
Shane Shirley asked:
We have heard people saying it is important find a good credit deal when it comes to apply for credit, whether it is a credit card, a home mortgage, a personal loan, or any other type of loans available in the market including car loans, student loans, payday loans, etc. etc.
However it is important understand what people mean by a “good credit deal” because what is good for a person with an executive position within a company, cannot be affordable for a housewife with a part-time job so good deals are those that are good for the person who research on them to find the most suitable credit offer in relation with his/her own lifestyle and living.
Event though there are a few clues to help you find a good credit deal for you. A company that offers you free credit reports and assistance finding credit offers is a good starting. Credit deals must not only be attractive in the terms of low interest rates, but in the overall terms of the credit because many companies offer excellent credit condition at the opening time that increases dramatically the cost of the credit after the first year.
Because your credit needs differ from those of your family and friends, maintain an open position getting feedback from them, but do not go blindly to apply for a credit offer they consider as the best deal without analyzing what is all about. Unless a person is a financial advisor, some people can encourage you to obtain a credit card to receive a weekend hotel stay they consider the deal rather than analyze its high interest rate or any associated charge they did not consider because the prize caught all of their attention.
Companies that offer free credit scores and free credit reports can usually provide you with a wide array of credit offers, among which you can find legitimate deals, such as www.FreeCreditReportDaddy.com
Sharing a similar lifestyle with a friend is no a guarantee to share a good credit deal if you do not have the same job position, number of members in your respective families, the same daily requirements and so on, reason why the good credit deal that your friend found may not be suitable with your lifestyle unless it is really.
Feel free to accept or reject credit suggestions if they match your needs and your repayment capacity, evaluating as well your own credit report to determine how good is your credit score.
As in example, you may find a good credit deal applying for a credit card that offers you travel rewards if you travel frequently, but if you have bad credit or a low credit score, you application may be declined. An important point to bear in mind is that not all the credit cards offering rewards, rebates, or other benefits such as point that can be redeemed for cash are a bad deal, but it might me the conditions of the credit so keep a cool head when deciding.
CRUZ
We have heard people saying it is important find a good credit deal when it comes to apply for credit, whether it is a credit card, a home mortgage, a personal loan, or any other type of loans available in the market including car loans, student loans, payday loans, etc. etc.
However it is important understand what people mean by a “good credit deal” because what is good for a person with an executive position within a company, cannot be affordable for a housewife with a part-time job so good deals are those that are good for the person who research on them to find the most suitable credit offer in relation with his/her own lifestyle and living.
Event though there are a few clues to help you find a good credit deal for you. A company that offers you free credit reports and assistance finding credit offers is a good starting. Credit deals must not only be attractive in the terms of low interest rates, but in the overall terms of the credit because many companies offer excellent credit condition at the opening time that increases dramatically the cost of the credit after the first year.
Because your credit needs differ from those of your family and friends, maintain an open position getting feedback from them, but do not go blindly to apply for a credit offer they consider as the best deal without analyzing what is all about. Unless a person is a financial advisor, some people can encourage you to obtain a credit card to receive a weekend hotel stay they consider the deal rather than analyze its high interest rate or any associated charge they did not consider because the prize caught all of their attention.
Companies that offer free credit scores and free credit reports can usually provide you with a wide array of credit offers, among which you can find legitimate deals, such as www.FreeCreditReportDaddy.com
Sharing a similar lifestyle with a friend is no a guarantee to share a good credit deal if you do not have the same job position, number of members in your respective families, the same daily requirements and so on, reason why the good credit deal that your friend found may not be suitable with your lifestyle unless it is really.
Feel free to accept or reject credit suggestions if they match your needs and your repayment capacity, evaluating as well your own credit report to determine how good is your credit score.
As in example, you may find a good credit deal applying for a credit card that offers you travel rewards if you travel frequently, but if you have bad credit or a low credit score, you application may be declined. An important point to bear in mind is that not all the credit cards offering rewards, rebates, or other benefits such as point that can be redeemed for cash are a bad deal, but it might me the conditions of the credit so keep a cool head when deciding.
CRUZ
Free Personal Credit Report: Smoothly Find Out Your Financial Position
Michael Tummillo asked:
Wondering what is a need to have free personal credit report? Want to know about the use of such report? Getting a personal credit report is must in today’s time. Earlier you have to pay some amount to get it. But now you can easily avail personal credit report at free of cost. It is really vital to have free personal credit report as it tells you the full picture about your financial transactions in detail throughout the year. Free Annual Credit Report gives you a great chance to avail your free personal credit report in a hassle free way.
Banks, lenders and other financial institutions are always interest in seeing your personal credit report before making their mind to give you any financial assistance. As this report shows your purchasing nature and spending tendencies, which will make an effect on the loan amount set by the lender. In addition the record f your finances will prove whether you have the ability to pay back the required amount or not.
Free personal credit report contains information concerning your credit history, payment, along with the creditworthiness and the personal information of a particular person for the full year.
Moreover, free personal credit report will also protect you from theft, as it may be possible that your personal and confidential financial information can be misused by other. So, it is essential to keep your financial records up to the mark.
Free Annual Credit Report allows you to avail whole details of the financial transactions in a proper manner through most suitable free personal credit report. This will further help you to improve your credit score by implementing measures and correcting your mistakes.
ZACHARY
Wondering what is a need to have free personal credit report? Want to know about the use of such report? Getting a personal credit report is must in today’s time. Earlier you have to pay some amount to get it. But now you can easily avail personal credit report at free of cost. It is really vital to have free personal credit report as it tells you the full picture about your financial transactions in detail throughout the year. Free Annual Credit Report gives you a great chance to avail your free personal credit report in a hassle free way.
Banks, lenders and other financial institutions are always interest in seeing your personal credit report before making their mind to give you any financial assistance. As this report shows your purchasing nature and spending tendencies, which will make an effect on the loan amount set by the lender. In addition the record f your finances will prove whether you have the ability to pay back the required amount or not.
Free personal credit report contains information concerning your credit history, payment, along with the creditworthiness and the personal information of a particular person for the full year.
Moreover, free personal credit report will also protect you from theft, as it may be possible that your personal and confidential financial information can be misused by other. So, it is essential to keep your financial records up to the mark.
Free Annual Credit Report allows you to avail whole details of the financial transactions in a proper manner through most suitable free personal credit report. This will further help you to improve your credit score by implementing measures and correcting your mistakes.
ZACHARY
Keep An Eye On Your Credit: How Often Should You Review Your Credit Report?
Jay Delgado asked:
There is no doubt that your credit report contains a lot of information that can have a direct impact on your lifestyle. It is also true that other people are reviewing your credit file and making judgments about you and your ability to repay. What do they see? Should you be at all concerned about the information is included in your credit report? You should be very concerned with the information included in your credit report because it has a direct impact on your life. The information on your credit report can break you or make you and it does not go away overnight.
Regularly reviewing your credit report is not only a great way to keep tabs on how well you are doing financially; it is also a great way to protect yourself from identity theft and credit reporting errors. Did you know that 25% of credit reports contain errors that are serious enough to cause a denial of credit? Keep in mind that these are just the serious errors. More than three quarters of credit reports contain errors due to typing mistakes, misinformation and human error.
Credit reporting agencies know that their system is not fool proof, so they have set in place avenues that people can use to have incorrect information removed from their credit report. But you can not have information removed if you do not know it is there in the first place.
Most financial advisers recommend that you should review your credit report every 90 days or four times per year. You are entitled to one free credit report from each of the three major reporting bureaus, Experian, Equifax and TransUnion, each year. So, that is three out of four, right? Not exactly.
You see not all lenders report to all agencies. This means that your report from Experian could look completely different from a report issued by Equifax. One report might contain errors while the other is spot on. The only way to know for sure is to pull all three reports and compare them at the same time. This should be done every 90 days.
If you absolutely cannot afford to purchase reports from the agencies three times a year, you can stagger your free credit reports throughout the year. Keep in mind, though, that you may not be seeing the whole picture.
How much do credit reports cost? Depending on the bureau, you can be charged up to $10.50 for your credit report. So you are looking at roughly $90 a year to keep tabs on your credit. Remember; these fees do not include your credit score. You will also NOT be supplied a credit score along with your free reports. If you want to know your credit score, you can request it but it will cost you about $5 to $7.
Ninety dollars a year may sound steep, but not knowing could be costing you much more. You could be overpaying thousands of dollars in interest payments each year because of something on your credit report that you do not know about.
ESTEBAN
There is no doubt that your credit report contains a lot of information that can have a direct impact on your lifestyle. It is also true that other people are reviewing your credit file and making judgments about you and your ability to repay. What do they see? Should you be at all concerned about the information is included in your credit report? You should be very concerned with the information included in your credit report because it has a direct impact on your life. The information on your credit report can break you or make you and it does not go away overnight.
Regularly reviewing your credit report is not only a great way to keep tabs on how well you are doing financially; it is also a great way to protect yourself from identity theft and credit reporting errors. Did you know that 25% of credit reports contain errors that are serious enough to cause a denial of credit? Keep in mind that these are just the serious errors. More than three quarters of credit reports contain errors due to typing mistakes, misinformation and human error.
Credit reporting agencies know that their system is not fool proof, so they have set in place avenues that people can use to have incorrect information removed from their credit report. But you can not have information removed if you do not know it is there in the first place.
Most financial advisers recommend that you should review your credit report every 90 days or four times per year. You are entitled to one free credit report from each of the three major reporting bureaus, Experian, Equifax and TransUnion, each year. So, that is three out of four, right? Not exactly.
You see not all lenders report to all agencies. This means that your report from Experian could look completely different from a report issued by Equifax. One report might contain errors while the other is spot on. The only way to know for sure is to pull all three reports and compare them at the same time. This should be done every 90 days.
If you absolutely cannot afford to purchase reports from the agencies three times a year, you can stagger your free credit reports throughout the year. Keep in mind, though, that you may not be seeing the whole picture.
How much do credit reports cost? Depending on the bureau, you can be charged up to $10.50 for your credit report. So you are looking at roughly $90 a year to keep tabs on your credit. Remember; these fees do not include your credit score. You will also NOT be supplied a credit score along with your free reports. If you want to know your credit score, you can request it but it will cost you about $5 to $7.
Ninety dollars a year may sound steep, but not knowing could be costing you much more. You could be overpaying thousands of dollars in interest payments each year because of something on your credit report that you do not know about.
ESTEBAN
Free Credit Report
Money Only asked:
We live in a credit oriented world. We all get credit at some point, so it’s hardly surprising to learn that we all have a credit history. If you are curious about your credit rating, and you should be, you can obtain a free credit report from a number of sources. This will let you see what the credit companies see when you apply for a loan or a mortgage.
Applying for a free credit report can actually save you money, if used properly. It is important that your electoral role details are up to date, for example. There are other public re\cord that will be compiled to create your credit history, any CCJ’s against you, for example. You can also discover who has been conducting credit searches on you. In short, a free credit report will let you know everything a lender will discover about you if you apply for credit of any kind.
Whenever you apply for credit that information is passed to a credit agency and kept in your personal credit file. That becomes a kind of footprint that other credit lenders can check up on to see how many others you have sought credit from. If you have made a lot of applications in a short period of time, it will look bad for you; especially if there have been an equally high amount of refusals.
The advantage of this system is that credit lenders can access your entire credit history with one single request. They do not have to ask several different places for the information. There are advantages to you to. You can also apply for a free credit report from a single agency, rather than having to chase all over the place to try and find out what information is kept on your credit history.
The information you will receive in your free credit report includes things like, who is living in your home in addition to you, if you have any financial affiliation with them, or they with you. Because of this, another person’s past credit history may affect your present credit standing. For this reason you should be very careful whom you do business with, or have a financial link with.
If you want to have a free credit report of your own credit history, court history and government agency involvement, you can apply through the terms laid down in the Data Protection Act. This states the terms under which the free credit report reference agencies can supply you with a copy. There will be probably be an administrative fee, but it should be quite small and only necessary to cover their costs.
There are many agencies willing to supply you with a free credit report. A search in any of the major Internet search engines will yield positive results. You should be careful, however, as there are always identity fraudsters who are out to take your personal details and use them to your detriment wherever they can get the chance.
DOUG
We live in a credit oriented world. We all get credit at some point, so it’s hardly surprising to learn that we all have a credit history. If you are curious about your credit rating, and you should be, you can obtain a free credit report from a number of sources. This will let you see what the credit companies see when you apply for a loan or a mortgage.
Applying for a free credit report can actually save you money, if used properly. It is important that your electoral role details are up to date, for example. There are other public re\cord that will be compiled to create your credit history, any CCJ’s against you, for example. You can also discover who has been conducting credit searches on you. In short, a free credit report will let you know everything a lender will discover about you if you apply for credit of any kind.
Whenever you apply for credit that information is passed to a credit agency and kept in your personal credit file. That becomes a kind of footprint that other credit lenders can check up on to see how many others you have sought credit from. If you have made a lot of applications in a short period of time, it will look bad for you; especially if there have been an equally high amount of refusals.
The advantage of this system is that credit lenders can access your entire credit history with one single request. They do not have to ask several different places for the information. There are advantages to you to. You can also apply for a free credit report from a single agency, rather than having to chase all over the place to try and find out what information is kept on your credit history.
The information you will receive in your free credit report includes things like, who is living in your home in addition to you, if you have any financial affiliation with them, or they with you. Because of this, another person’s past credit history may affect your present credit standing. For this reason you should be very careful whom you do business with, or have a financial link with.
If you want to have a free credit report of your own credit history, court history and government agency involvement, you can apply through the terms laid down in the Data Protection Act. This states the terms under which the free credit report reference agencies can supply you with a copy. There will be probably be an administrative fee, but it should be quite small and only necessary to cover their costs.
There are many agencies willing to supply you with a free credit report. A search in any of the major Internet search engines will yield positive results. You should be careful, however, as there are always identity fraudsters who are out to take your personal details and use them to your detriment wherever they can get the chance.
DOUG
The Importance of a Free Credit Report
Peter Nisbet asked:
The importance of getting your free credit report cannot be overemphasized. In the current economic climate, with such a strong squeeze on credit, everybody’s credit rating is at risk, and even if you think you have a premium credit score, you might be in for an unpleasant shock. People are getting such shocks not only daily, but hourly throughout the USA.
However, before we discuss that, let’s have a look at what a credit report is and what information it gives you. It contains four parts basically: your personal details, your credit history, public records appertaining to your financial stability and finally, inquiries made by third parties as to your credit record. While you might not understand the need for this information, they are carefully examined by potential lenders.
To put it in general terms, your credit report is a record of your credit history and your financial stability. It contains financial details such as mortgages, loans, mail order agreements, credit cards, banking facilities and so on, and includes your repayment history, any late payments, missed payments, defaults and so on. It also includes any details of credit or loan applications you have made, and whether any have been turned down.
If your credit report is bad, you will either not be offered credit or will have to pay a higher interest rate than those with a good credit report. In some cases you will be refused credit. Hence the importance of knowing what your credit record is like. The same is true of your credit score that lenders use to assess your credit-worthiness.
The implications of a bad credit report include you being refused a credit card application, a loan, a mortgage, a car loan and any other form of credit. You could even be refused a mail order agreement or even a car hire. That is not the end of it, because the same could apply to your partner and your children if they reside at the same address as you. When your kids look for a mortgage of their own before being married, or seek a loan for their first car, they could be refused because of your poor credit record.
That is fine if the record is correct, because although it is bad for you, at least it will have been deserved. However, it has been estimated that up to 90% of credit records are inaccurate, and that a large proportion of people are being wrongly refused credit. Not an entire 90%, obviously, but a lot of people are being unfairly refused credit, and that could be you or your kids. You won’t know till you apply.
Why wait till then? Why not just get a credit report now, so that you know where you stand. It makes sense, and since it is free what are you waiting for? Did you know that anybody can see your credit report? In the USA, the Fair credit Reporting Act (FCRA) allows employers, creditors, landlords, insurers and any other business to have access to your credit report for purposes of credit, renting a home, employment or any other reason where your financial situation could be of interest.
These reports are available in the USA from three agencies: Experian, Equifax and TransUnion, and each has to provide you with a free copy of your credit report annually on request. Once you have a bad record on your report you have to wait 7 years to have it removed.
However, there are companies that help you to check up on your report and have any inaccurate data removed. You could easily have your next credit request refused due to inaccurate or false information. Identity theft or even mistaken identity is no longer uncommon. Nor is it uncommon for office staff to make typing errors and you to have something on your credit record that never occurred.
In today’s economic climate your credit is the one thing you must do all that you can to protect, so make sure you implement your right to a free credit report. There are companies that can get your free report from all three agencies, and then check it with you to make sure that nothing is untoward. With 90% containing inaccurate information, that might be highly likely. If so they can help you to get these false records removed.
It’s your credit, and it affects everybody living in your home. Get it checked out now with a free triple credit report. Also check up on your credit score at the same time.
MARLON
The importance of getting your free credit report cannot be overemphasized. In the current economic climate, with such a strong squeeze on credit, everybody’s credit rating is at risk, and even if you think you have a premium credit score, you might be in for an unpleasant shock. People are getting such shocks not only daily, but hourly throughout the USA.
However, before we discuss that, let’s have a look at what a credit report is and what information it gives you. It contains four parts basically: your personal details, your credit history, public records appertaining to your financial stability and finally, inquiries made by third parties as to your credit record. While you might not understand the need for this information, they are carefully examined by potential lenders.
To put it in general terms, your credit report is a record of your credit history and your financial stability. It contains financial details such as mortgages, loans, mail order agreements, credit cards, banking facilities and so on, and includes your repayment history, any late payments, missed payments, defaults and so on. It also includes any details of credit or loan applications you have made, and whether any have been turned down.
If your credit report is bad, you will either not be offered credit or will have to pay a higher interest rate than those with a good credit report. In some cases you will be refused credit. Hence the importance of knowing what your credit record is like. The same is true of your credit score that lenders use to assess your credit-worthiness.
The implications of a bad credit report include you being refused a credit card application, a loan, a mortgage, a car loan and any other form of credit. You could even be refused a mail order agreement or even a car hire. That is not the end of it, because the same could apply to your partner and your children if they reside at the same address as you. When your kids look for a mortgage of their own before being married, or seek a loan for their first car, they could be refused because of your poor credit record.
That is fine if the record is correct, because although it is bad for you, at least it will have been deserved. However, it has been estimated that up to 90% of credit records are inaccurate, and that a large proportion of people are being wrongly refused credit. Not an entire 90%, obviously, but a lot of people are being unfairly refused credit, and that could be you or your kids. You won’t know till you apply.
Why wait till then? Why not just get a credit report now, so that you know where you stand. It makes sense, and since it is free what are you waiting for? Did you know that anybody can see your credit report? In the USA, the Fair credit Reporting Act (FCRA) allows employers, creditors, landlords, insurers and any other business to have access to your credit report for purposes of credit, renting a home, employment or any other reason where your financial situation could be of interest.
These reports are available in the USA from three agencies: Experian, Equifax and TransUnion, and each has to provide you with a free copy of your credit report annually on request. Once you have a bad record on your report you have to wait 7 years to have it removed.
However, there are companies that help you to check up on your report and have any inaccurate data removed. You could easily have your next credit request refused due to inaccurate or false information. Identity theft or even mistaken identity is no longer uncommon. Nor is it uncommon for office staff to make typing errors and you to have something on your credit record that never occurred.
In today’s economic climate your credit is the one thing you must do all that you can to protect, so make sure you implement your right to a free credit report. There are companies that can get your free report from all three agencies, and then check it with you to make sure that nothing is untoward. With 90% containing inaccurate information, that might be highly likely. If so they can help you to get these false records removed.
It’s your credit, and it affects everybody living in your home. Get it checked out now with a free triple credit report. Also check up on your credit score at the same time.
MARLON
Im being sued for a car accident that happened 2 yrs. ago for personal injury, will this show on my credit?
sweetgirl asked:
Hello, I was in an accident over 2 years ago ( it was my fault).
Two months ago I found out I was getting sued for personal injury…I have a lawyer and believe this lawsuit is completely ridiculus because I talked to the guy for a good half hour after the accident and he was fine, not to mention his car only had a slight dent in the front corner…anyway, I know about the public records section of credit reports and I just wanted to know if a pending lawsuit will show up on it, or will it only show if I lose the suit and have a judgement against me? I recently checked my credit and so far it doesnt show up but Im worried it will be put on there. Any help would be great!!
JACQUES
Hello, I was in an accident over 2 years ago ( it was my fault).
Two months ago I found out I was getting sued for personal injury…I have a lawyer and believe this lawsuit is completely ridiculus because I talked to the guy for a good half hour after the accident and he was fine, not to mention his car only had a slight dent in the front corner…anyway, I know about the public records section of credit reports and I just wanted to know if a pending lawsuit will show up on it, or will it only show if I lose the suit and have a judgement against me? I recently checked my credit and so far it doesnt show up but Im worried it will be put on there. Any help would be great!!
JACQUES
Credit Report Results?
nevergiveup12908 asked:
I’m in the process of running my credit report and I’m at the step now where I have to verify my identity by giving my account number for an open account I have. All I’ve got is an account with Wal-Mart but I see results for that plus an American express card and a Lord and Taylor account. I’ve had my suspicions about someone having my personal info in the past and am not sure what I should do now. I’m 19 and know very little about this.
EFREN
I’m in the process of running my credit report and I’m at the step now where I have to verify my identity by giving my account number for an open account I have. All I’ve got is an account with Wal-Mart but I see results for that plus an American express card and a Lord and Taylor account. I’ve had my suspicions about someone having my personal info in the past and am not sure what I should do now. I’m 19 and know very little about this.
EFREN
Free Credit Report.Com?
Sheila T asked:
I keep seeing this commercial and ads everywhere for “Free Credit Report.com”…My question is; Is it really safe to use this company to check out your credit score online? I mean, I’ve always heard that you should never give out personal information over the internet for ANY reason but, to use the service of this company, you have to give them the most personal info possible including real name, home address, SS#, etc…
I would like to check my credit score but, I am afraid to give out my personal info over the net…
Can anyone give me some advice or info about this?
RON
I keep seeing this commercial and ads everywhere for “Free Credit Report.com”…My question is; Is it really safe to use this company to check out your credit score online? I mean, I’ve always heard that you should never give out personal information over the internet for ANY reason but, to use the service of this company, you have to give them the most personal info possible including real name, home address, SS#, etc…
I would like to check my credit score but, I am afraid to give out my personal info over the net…
Can anyone give me some advice or info about this?
RON
