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Your Yearly Free Individual Credit Report

oli bocks asked: Some of the people are not yet aware about free annual report on their credit. Why is it important for you to check your credits often? Credit report refers to the history of financial status of a person regarding on his borrowing and payment activities. This will also determine some newly open [...]

Posted September 28th, 2009 in Debt Consolidation | No Comments »

Checking Your Credit Report: Different Ways to Check Your Credit Report

Thomas Boston asked: Every consumer should want to keep track of their credit score, and the best way to get a full rundown on your credit and your financial standing is to get a copy of your credit report from one of the major three credit services (Experian, Trans Union, and Equifax). Because of a [...]

Posted September 24th, 2009 in Credit | No Comments »

What are consequences of a defaulting on a commercial debt?

GL asked: My business is now out-of business so I am not worried about a commercial credit report but I am concerned about the possibilty of it showing on my personal report or my wages being garnished. One of the collections is from a telephone company (early termination fee of $5,000) that I signed [...]

Posted September 23rd, 2009 in Credit | 3 Comments »

is it easier with poor credit to get a?

mandrin4200 asked: line of credit or personal loan..i know its probably hard to get both with poor credit but which is better, i have paid off all the bad things on my credit report now just waiting for letters and score to rise. any info would be helpfulGUADALUPE

Posted September 21st, 2009 in Credit | 2 Comments »

Things You Should Know About Your Credit Report

Liz Roberts asked: When applying for credit or taking out a loan, the first thing that your creditor will do is to check your credit report. Based on your credit report, a lender can either grant you an approval or reject your application. For this reason, everyone is advised to personally check on their credit [...]

Posted September 14th, 2009 in Finance | No Comments »

Good/Bad Credit and Discover Card?

Amilucky0707 asked: I work at Sam’s Club and I applied for the Sam’s Discover Card today. I didn’t get approved, but I did get approved for the Sam’s personal credit (up to 300 dollars). I’m only 20 so I don’t have a lot of credit experience under my belt, but I was wondering [...]

Posted September 11th, 2009 in Credit | 4 Comments »

Where to get a personal loan in kansas for laski eye surgery?

topekat asked: My insurance wont cover eye care and i need a personal loan in kansas of 5000 for laski eye surg.where do you go for a personal loan in kansas with a bankrupsy on your credit reportLAVERN

Posted September 8th, 2009 in Credit | 4 Comments »

Does marriage effectively tie your credit with your spouse’s?

Gretchen K asked: Let’s say two people are getting married. They both have good credit, hurray! The wife keeps her maiden name. They have separate checking accounts, credit cards, and have utilities, etc. in separate names. They currently do not own a home together.
From here on out, are their credit histories totally tied? If someone [...]

Posted September 7th, 2009 in Credit | 6 Comments »

Best Credit Report- Tips and Faqs

Mike Clover asked: Best Credit Report-Want to know the best credit report for you, and why you should have one for your record? Have you ever applied for credit and been turned down and wondered why? This is one good reason why you should have a current copy. Have you applied for 0% interest on [...]

Posted September 6th, 2009 in Finance | No Comments »

I found this one credit repair site that offers a 100% money back if you are not satisfied with their service?

Russell Mania asked: This site claims to remove:
Late Payments
Charge Offs
Foreclosures
Judgements
Repossessions
Personal Identification
Closed Accounts
Negative Settlements
Liens
Collections
They said that in some cases they can remove bankruptcy with a 35% success rate. They offer a full refund if you are not satisfied with their service. They also said the negative items on your credit report don’t come back.RUDOLPH

Posted September 5th, 2009 in Credit | 2 Comments »