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about personal credit report

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 »

credit card math help?

heather N asked: With a credit card you are able to receive money, goods, or services in the present, in exchange for a promise to pay in the future.
True
False
2: Minimum payments are a trap; they are often designed so that it takes months or years to pay off the balance.
True
False
3: The adjusted balance [...]

Posted June 13th, 2010 in Credit | 3 Comments »

What can be done when someone access’s ur credit info w/o ur permission?

SassySista asked: My bf just called me to tell me about my credit score and things on my credit report.
He called up an agency telling them that I wanted to take out a personal loan. he gave them my social security # and then they called back and told him my credit score and [...]

Posted June 8th, 2010 in Credit | 4 Comments »

What are the qualifications to get a personal loan?

Justin asked: I have been unemployed for about a year and living on my savings from my previous business that I sold. I want to get a personal loan for an Internet business. I don’t think I even qualify to get a business loan since I have no income coming in, right? Will I likely [...]

Posted June 1st, 2010 in Credit | 2 Comments »

Stolen Identity? What to do?

Michael V asked: I am a college student of age 18. I recently applied for a Citi credit card but it was rejected saying (in email)
o A garnishment, attachment, foreclosure, collection
action or judgment was recorded on your credit bureau
report.
o A delinquent credit obligation(s), either paid
or unpaid, was recorded on your credit bureau report.
They got the [...]

Posted May 19th, 2010 in Credit | 2 Comments »

previous bad credit help?

vetassistant1984 asked: i had a couple credit cards become charged off/sent to collections. i finally got with it after 180 days late (that is the maximum of one of them, the other maximum was 150 days late), and finally got them all paid off except for one that i am doing monthly payments on, and [...]

Posted May 18th, 2010 in Credit | 10 Comments »

Are there unsecured credit cards for business expenses only if you have bad personal credit?

Q’s from MN asked: I am a little over a year out of college and took on a sales position in the health care industry. I made about $73k my first year and am looking forward to a similar or better year this year. I travel about 60-70% of the time and all [...]

Posted May 5th, 2010 in Credit | 2 Comments »

Make Good Use of Your Annual Free Credit Report

Steve Evans asked: u can use your credit report you need to get yur report. Reports are available on request. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request. Such reports were mandated by a federal law enacted in 2003. The program has all now been [...]

Posted April 27th, 2010 in Credit | No Comments »

How do I get something removed from my credit report?

armyguy83 asked: I posted a question earlier and it was answered (I will not be hiring a professional credit repair company). But I’d like to know EXACTLY how I can go about disputing a collection I have paid off to get it removed from my credit report.
Background:
-I had a balance from an old Verizon Wireless [...]

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

Do online background check companies have my credit information?

Wilson M asked: Hello,
I see that there is a sea of online companies that offer a full and extensive range of background check services, however I was wondering do they also have access to my credit information (i.e. they can provide my credit report or FICO score or social security number)? With identity theft [...]

Posted April 20th, 2010 in Credit | 2 Comments »