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Report Card for the Fair Credit Reporting Act

Stuart Hunter asked: “It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of [...]

Posted December 18th, 2008 in Credit | No Comments »

Common Credit Report Mistakes

Mike Clover asked: it report is not something to be taken lightly these days. It is almost as important as your social security card. There will come a time where your credit report will be required for credit purposes. We see credit reports on a daily basis, and there typically are issues with that individual’s [...]

Posted December 18th, 2008 in Finance | No Comments »

What is easier to get, a personal loan of $2000 or a credit card with a limit of $2000?

hp asked: Credit score is 630is
I have one two negative inquires on my credit report but they are over two years old.Create a video blog…instantly.

Posted December 18th, 2008 in Credit | 8 Comments »

How do I get a valid 30-day late removed from my credit report?

Daphne34345 asked: My FICO scores for 3 bureaus run from 740-755, which is not bad. However, I have a 30-day late from a department store credit card from about a year and a half ago that I’d like removed. I know how to go to credit bureaus to ask them to remove this if [...]

Posted December 16th, 2008 in Credit | 7 Comments »

Facts About Credit Reports

Marcus Peter asked: art to enter the world of financing your personal needs, credit reports will inevitably arise. First of all, a credit report gives detailed information on all the financial transactions you have made. Usually, it involves a track of the expenses you have on your credit cards including the amounts you left unpaid [...]

Posted December 15th, 2008 in Credit | No Comments »

Free Instant Credit Report: a Reliable Way to Know Your Financial Position

James Peter asked: A credit report incorporates all the details pertaining to your financial condition and is very much essential to all your financial dealings. This credit report is usually prepared by the credit agencies, who in turn keep a track on all your financial activities of a particular year. free instant credit report too [...]

Posted December 10th, 2008 in Credit | No Comments »

Personal Loan that does not get reported to your credit?

crazy asked: Is there any company out there that can issue a loan, but does not report it to your credit, i have really good credit but i can’t have anything else show up on my credit right now, i need a loan but don;t want it to show up on my credit.Website content

Posted December 9th, 2008 in Credit | 1 Comment »

dispute letter for credit report errors?

cbbcountess asked: My husband and I recently obtained our credit reports. Much to our dismay, there are several accounts on his report that are either errors or were charged by his ex-wife without his knowledge. I need to know if anyone has a good dispute letter or a link to a site that [...]

Posted December 7th, 2008 in Credit | 6 Comments »

Should You Obtain a Copy of Your Credit Report?

Allison May asked: The answer to the above question is yes. You definitely should obtain a copy of your credit report. If you’re asking why, let’s talk about some important points about your credit report. What is in your credit report? Your credit report contains significant information about your accounts and finances. In your credit [...]

Posted December 6th, 2008 in Credit | No Comments »

How long does it take to get an inquiry off a person’s credit report?

Honest Q 4 Honest A asked: I want to see if a personal loan will be cheaper than the loan on my car, but I don’t want to bring down my credit score.Website content

Posted December 5th, 2008 in Personal Finance | 1 Comment »