Archive for October, 2008

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

Mike 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?

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Small business debt with NO personal guaranty. Is my personal credit protected?

Stella asked:


Hello. I started a business at the beginning of last year, but was never able to get it off the ground. I closed it in December.

I opened several accounts with no personal guaranty and I don’t have the money to pay those bills right now. Is it possible for my debtors to sue me directly? Can those items end up on my credit report? If it takes too long for me to get back on my feet, can my business’ creditors garnish the wages I earn on my job?

I would like to pay them, but it will be a while before I am back on my feet and I want to make sure my personal credit is protected.

Thanks!
I should point out that the business was an LLC.

personal credit report

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Has anyone ordered their free credit report/score on line?

mrfrudd2006 asked:


I heard than anyone can order their free credit report and score for free once annually on several websites. If you know how to do this, what website is really safe and how could you tell a site is a scam to just collect personal information to sell to fakes?

Kansieo.com

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How Long will this be on my Credit Report?

littlemaltese asked:


I had a personal loan that was not paid from 1997. They took me to court for a civil judgement small claims in 2001. What does the 7 year mark go from 1997 or 2001???

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Do state farm agents see my credit Report?

oneandonlyemz asked:


I just got a car insurance quote and with state farm they send it off and i sure hear by friday if everything checks out. My BF dad is the agent and i don’t like the fact he could have access to my personal information such as credit. On their site they say they do not but researching online i have seen other things. So do State Farm agents see my credit?
If they have an eternal system will the agent have an idea what my credit is?
I did not sign anything. Everything was done over the phone, actually through my BF he called his dad and they sent the quote off I did not sign anything. I did see online you have to check something, but this was not done online.

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