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Credit Report

Mike Clover asked: What is in a credit report? A credit report is a snapshot of your current obligations to creditors. These creditors include credit card companies, mortgage companies, banks, and retail stores. Lenders are permitted by law to check your credit report and review it in order to determine whether or not to grant [...]

Posted December 31st, 2008 in Finance | No Comments »

Personal Credit Report: Easily Access Your Credit Records

Amy Gordon asked: Personal credit report largely determines your credit worthiness and interest rates that you can qualify for. You can easily get a credit report through government-sanctioned agencies (FTC) and consumer-reporting companies (Equifax, Experian, and TransUnion) that provide free credit reports. These are easily available and even you can get one to know your [...]

Posted December 31st, 2008 in Finance | No Comments »

Free Annual Credit Report: Available for Free But Very Useful

Amy Gordon asked: Keeping data of your annual credit report is very important because the importance of the credit reports have increased to a great extent. Nowadays, you must be aware of every ups and down in your credit status as every financial matter is related with your credit scores. Anytime and at anywhere like [...]

Posted December 28th, 2008 in Credit | No Comments »

Do payday loans show up on your credit report?

twinkle730 asked: I was stupid and took out a payday loan. I know they charge outrageous interest and take forever to pay off. I know now to never use them again.
I am in good status with them and have paid it off. Now, I am trying to obtain a personal loan. [...]

Posted December 28th, 2008 in Personal Finance | 4 Comments »

My ssn was phished but could the culprit obtain my spouse’s ssn by looking at my credit report?

Rachel M asked: I know that they show spouses name on credit reports and joint accounts, but can someone who phished my ssn/dob/address obtain my spouse’s personal info somehow by simply using my info? Help!Create a video blog

Posted December 27th, 2008 in Security | 2 Comments »

Can an individual report to a credit agency?

jesterqueen46 asked: I have horrible credit, but I am buying a truck from a friend on a personal note…I am not getting a bank loan. We wondered if it would be possible for him to report me as a debtor to the agencies to establish that line of credit to help improve my credit score, [...]

Posted December 26th, 2008 in Credit | 2 Comments »

If a company has already issued me a company credit card, can the card be taken away if I claim bankruptcy?

chris h asked: I have had the company credit card for approximately 10 years, paid the card off monthly, but recently got cut back on my job with a large reduction in pay, which will not allow me to make my personal credit card payments. If I claim bankruptcy on my personal credit cards, will [...]

Posted December 25th, 2008 in Credit | 4 Comments »

Am I still liable for debt that no longer shows up on my credit report?

Richard_CA asked: I had several accounts of debt that I was responsible for from the early to mid 90s. These debts consisted of a home ($120,000), a central heating/central air unit installed in the home ($15,000). A water softener system also installed in the home ($5000). Personal Loans - one was secured [...]

Posted December 22nd, 2008 in Credit | 9 Comments »

Free Credit Report and Credit Score

Isabel asked: Free Credit Report and Credit Score indicate the creditworthiness or financial position of a person. Initially there was strict prohibition to disclose the credit report and score. But due to development in business skills and policies many retailers and lenders extend credit facilities to their customers. In order to secure the credit transaction [...]

Posted December 20th, 2008 in Finance | No Comments »

is it possible to get a personal loan with poor credit and no collaterial?

broke asked: I would like to pay off loans showing against me on my credit report and repair my credit with out going to a credit repair companyKansieo.com

Posted December 19th, 2008 in Personal Finance | 7 Comments »