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about personal credit report

I need to know how to repair bad credit. My credit report came back today and my score is in the high 500’s?

Kevin S asked: I’ve seen lots of websites, lots seem to pretty scary, i.e. scams. I’m looking for a reputable source that can help me legally and quickly. We’re trying to buy a house and the interest rate I was quoted makes the payments way too high. I went through a messy [...]

Posted October 29th, 2008 in Credit | 6 Comments »

Credit Report Dispute: How Long Does it Take to Remove?

Mike Clover asked: Credit Report Disputes can take up to 60 days to remove. The 3 credit Bureaus don’t make it easy to get items removed. Make sure after you have got your Free Credit Score Report and reviewed what is not correct you only dispute once. Every time you dispute an item the dispute [...]

Posted October 28th, 2008 in Finance | No Comments »

Question about TransUnion free credit report?

Ben L asked: Question about TransUnion free credit report?
Hi everyone, I try to get a free credit report on annualcreditreport.com —-> TransUnion website. But I don’t know why it said:
Privacy Protection
The Identity Security System isn’t able to confirm your identity.
Explanation:
The Identity Security System confirms your identity through a series of questions based on accounts [...]

Posted October 26th, 2008 in Credit | 3 Comments »

How do I get a company credit card removed from my personal credit report?

malteseheart asked: My company credit card is showing on my personal credit report. As most of you know, the credit card company asks for your social security# when you are issued a company card with your name on it. I am an employee only & have no personal responsibility to the debt. Even though the [...]

Posted October 23rd, 2008 in Credit | 4 Comments »

Is it typical for someone to do a credit check when renting out a room?

juju asked: A guy is renting out a room in his house and he needs to do a credit check. But wont he have all my personal info including my credit report, dob, ssn, etc?Create a video blog

Posted October 20th, 2008 in Renting & Real Estate | 6 Comments »

How long does it take for a new credit account to showup on my credit report?

Brad Z asked: I was wondering when a credit card, line of credit, personal loan, auto loan, mortgage loan, etc., show up on a credit report. Does it show up instantly, a few days, at the beginning of the next month?Create a video blog…instantly.

Posted October 20th, 2008 in Personal Finance | 2 Comments »

How long after filing a personal (chapter 7) bankruptcy do I have to wait to apply for credit?

parker asked: I filed in March 2007 and expect my actual discharge letter in the mail any day now-wait, is that the mailman? My bankruptcy already shows up on my credit report and my credit score isn’t so terrible! Specifically, I want to know if its o.k. to start applying for ONE SINGLE credit card [...]

Posted October 16th, 2008 in Credit | 4 Comments »

How To Read Your Personal Credit Report

John Edmond asked: You would be surprised at how many people could not tell you what their credit score is, or how many people know nothing about credit reports in general. There is a fear of numbers out there, and a lack of knowledge that is causing people to lose track of their finances. Even [...]

Posted October 16th, 2008 in Non Fiction | No Comments »

How Can I Repair My Credit Report?

John Cena asked: There are a number of legal and effective credit repair techniques that have been used by individuals and credit repair companies to improve credit scores. Number one is removing negative items from credit reports is Credit Repair Software.Personal credit report repair is a major concern for many people. It can be a [...]

Posted October 14th, 2008 in Debt Consolidation | No Comments »

What Is A Credit Report

Geoff Hibbert asked: A credit report is a history of your payments, not just a snapshot of where you are at the moment, says Maxine Sweet, vice president of public affairs for Experian, one of the three major credit reporting agencies.A credit report is a crucial document that reflects your credit status. A credit report [...]

Posted October 12th, 2008 in Credit | No Comments »