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about personal credit report

Debt Management Plan (DMP) vs. getting a personal loan?

awilliams365 asked: I have credit card debt and want to know which option is more favorable (or if they are about the same). Also, will a DMP look bad on my credit report?Betty

Posted August 23rd, 2010 in Credit | 4 Comments »

Credit reports - how not to get them?

Judy asked: There are scam sites out there that say they can get your credit report for you.
You give them your ss number and personal information.
Can you guess what happens next?
Beautiful examples below.
Be careful people.Leslie

Posted August 22nd, 2010 in Credit | 1 Comment »

I need a personal loan for $3000 over 12 months - have little credit, but am current on all payments. Help?

mstatl asked: I’m having some trouble finding a personal loan for about $3000 to eradicate my credit card debt. I have been in the country for a year, and have had a difficult time getting credit/established. I’m a full-time employed professional, and although I have made more than the minimum payment on my cards every [...]

Posted August 10th, 2010 in Credit | 4 Comments »

Questions about my credit?

Eric Z asked: I have never had a line of credit. With this said, the only thing on my credit report is negetive. The amount showed that I owe is $2,201(12 accounts) in debts. I just recently paid off $1,400 (10 accounts). I have about $800 (2 accounts) left to pay. With my fathers help [...]

Posted July 28th, 2010 in Credit | 3 Comments »

Line of credit / Collection?

stressed… asked: First of all, I made a grave mistake transferring my 2nd mortgage (9.5%, 20yrs) to a personal line of credit (10.99%, 8 yrs) thinking that an unsecured loan is better than a secured loan. I did not realize that the interests are calculated sooo differently that now, 7 months later, I feel like [...]

Posted July 26th, 2010 in Credit | 2 Comments »

Should I pay bills sent by a scam company for products never shipped so my credit won’t be affected?

mamaisland asked: I recieved a legitimate looking letter in the mail saying that I was pre-approved for an account with a company. This company deals with electronics. I ordered a computer on Dec, 12 2006, only to find 3 weeks after it was never shipped out, my order was still pending shipment. Since the [...]

Posted July 17th, 2010 in Credit | 5 Comments »

what’s the chances of me being approved for a personal loan

Saints Superbowl Champs…Yayyyy asked: my three fico scores are in the low 700’s and all my bills are paid in full on my credit report.i’m 20 years old and very responsible when it comes to my hard earned money and believe in paying my debts which my credit score shows that.i make 12,000 dollars a [...]

Posted July 15th, 2010 in Credit | 3 Comments »

can anyone check your credit reports?

jakdie999 asked: Suppose someone has your Social Security, your first name, and your address. But assume he has incorrect personal info on everything else.
Can he successfully check your credit history? If he worked at a company like Sprint, can he check your credit even more easily?Kristen

Posted June 21st, 2010 in Credit | 3 Comments »

Fixing my credit and have a few question about report?

lookingforanswers asked: I have pulled my credit directly from all three reporting agencies and I want to start fixing my credit. I have a few questions about what is being placed on my credit.
1.) An acct I paid off reads paid, closed/ collection account - Is this what it is suppose to read and [...]

Posted June 19th, 2010 in Credit | 6 Comments »

GoOD PeOPLE.I DeSPERATELY NeED YoUR DiVINE WiSDOM AnD KnOWLEDGE?

DIONN asked: Im praying that there is someone out there that has successfully cleaned up/ did some damage control to their personal credit report thru valuabe web advice that i can print, study as well as APPLY!! My financial future depends on this. GOD bless you ALL in advance for some great advice, techniques [...]

Posted June 14th, 2010 in Credit | 2 Comments »