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How to tell if an account is yours or the person that took your identity on your credit report?

JadedSin asked: The issue is that I found out that my mother has been using my S.S. number to open tons of accounts and she doesn’t pay her bills. I would like advise on the easiest way to figure out if an account is actually mine or not. Some of the accounts go back 2-3 [...]

Posted December 28th, 2009 in Credit | 1 Comment »

Where can you get a good personal loan from a reputable bank?

Burton asked: I have average credit around 660 currently…but only have credit cards. I live in California. Can I get a good personal loan with a good interest rate which will help my mix of credit? Only problem is that I have a repo on my credit report that will fall off [...]

Posted December 27th, 2009 in Credit | 3 Comments »

Reasons for Checking Your Credit Report

Sean Patrick asked: Your credit report and score tells lenders whether or not you are a good risk for a loan. Your credit history, payments, and account information are on this report. Your FICO score is also an important factor for lenders. The information contained in your credit report is used to generate your FICO [...]

Posted December 26th, 2009 in Credit | No Comments »

FICO score and Credit Report and late payments?

majax79 asked: I had 3 credit cards that went to collection about 8 months ago and I paid them all of right around that time.
They show up on all 3 credit reports as potentially negative credit items as they all say 120 days past due.
I was also told that this lowered my credit score.
My question [...]

Posted December 17th, 2009 in Personal Finance | 1 Comment »

Free Instant Credit Report

Tom Cruise asked: Some may know that credit report is really your credit confirmation. It contains the data collected from different sources by the credit bureaus. Credit report gives full information about financial place in your business life. Finding free instant credit report is not a very hard work to do now. This report also [...]

Posted December 14th, 2009 in Credit | No Comments »

Ghosts That Lurk in Your Free Instant Credit Report

Jeremy Englewood asked: It isn’t Christmas, but did you know that there may be entries in your credit report that are much like the ghost of the Christmas past? This is especially true if you make credit applications, even for just a simple credit card, in too short a timeframe. Let’s look at a scenario.Let’s [...]

Posted December 13th, 2009 in Credit | No Comments »

Instant credit report- Quick report of your credit standings online

Jane Doe asked: Introduction:Credit worthiness is the asset as it determines your current credit status. Instant credit report is an online service which is instrumental in giving a person’s clear picture of where their credit rating stands, and how the lenders view their creditworthiness. It is quite difficult in checking your credit scores properly and [...]

Posted December 6th, 2009 in Loans | No Comments »

All What You Need to Know About Your Credit Report and You Were Afraid to Search for

Creditscorecowboy .com asked: Undoubtedly all of us have heard how important is for our credit history keep a good credit score and how negatively our credit rating can be affected after failing to pay our debts, but sometime people do not really care until they discover that all their financial movements, good or bad, have [...]

Posted December 3rd, 2009 in Loans | No Comments »

Question about getting a personal loan?

Jennifer K asked: I am in a pretty bad credit situation. I got an auto loan 3 years ago with the help of a cosigner. I have made every payment on time. Now my loan is up and I would like to get a personal loan of 5,000 dollars. I still [...]

Posted December 2nd, 2009 in Credit | 6 Comments »