personal credit report - free check

dracoeleven asked:


How can an internet E mail provider limit access to ones own account unless they provide personal information similar to credit card security questions and what government agency can this be reported to as this falls extremely close to fraud

Crystal

Darin Sewell asked:




I need a credit fix now! That phrase is often muttered by people who have just been turned down for financing or a much needed loan due to their bad credit score. If you are one of these unfortunate people then keep reading because the easy to read article below will briefly touch on some ways you can get your credit fixed up now!

The best way to start boosting your FICO scores is to look at your current debt and income. Next set up a budget that will allow you to pay down your debt faster and also save a little bit every month. You may have to cut out some luxury expenses to free up some money to pay off the debt faster but it is well worth the sacrifice!

After you are set up on a sensible budget the next step is to get one or two positive accounts reporting on your credit report. This can be easily accomplished with secured charge cards and also with smaller accounts like department store cards. Use these accounts sensibly and never ever miss a payment or your scores will fall farther instead of getting better!

The next major step is to actually perform self credit repair on your report. This process involves disputing negative and incorrect information that is listed on your report. This is done by making a list of the negative and false information and writing credit dispute letters to the reporting bureaus.

Once they receive your letters the bureaus are required to investigate your dispute with the original account issuer who is reporting the information. If they cannot provide proof of the activity and fail to respond inside of thirty days then the information will be taken off your report and your FICO scores will rise as a result!

Nellie

PropertyLion asked:

This video shares tried-and-tested techniques to get you started with repairing your credit report and improving your scores and picking the right, legitimate credit repair company to help you out. The astute understanding of the credit repair expert in how to obtain and maintain great credit scores during these trying times are revealed in detail. TMTTZ Episode 2_1

Warren

Viv L asked:


For anyone whose been in this situation, please tell me your story & how you got through this kind of situation.

I think its crazy, because every business transaction should be put in writing no matter what!! Also, he is suddenly becoming suspicious to me, because anytime I ask for any of my personal documents such as my credit report, credit card info, copy of our business license, he has a problem with it. I don’t get it!! I still haven’t seen these items. He has so many red flags, I’m thinking about calling the police.

1. He has part ownership at a night club & “takes money” from crackheads

2. Tonight he asked me if I was wearing a WIRE

3. He doesn’t like to even answer our business questions over the phone in fear that IRS is listening

4. He’s been locked up more than once & claims its only traffic violations

5. He got mad when I put his legal name in an email I sent him. That is how I found out I wasn’t to use it.

Theres more..
6. He has a fake license from another state.

7. He possibly lied to be about his age, I found his real age on his fake license, then he said that it wasn’t his real age.

8. I have never met any of his friends or family.

9. He talks bad about his family. Claims to have no relationship with them.

10. Even though he has that fake license, he will rent out a different car every month seems like.

11. He claims he’s not sure where he was born, and says his dad is an immigrant.
I’m not willing to put up with it any longer, I just want to move on and I’m just asking how–I’m very distressed right now. Funny, he asked me if I was wearing a wire in the car tonight–but I was actually wearing a tape recorder and he didn’t know it. I need all the evidence I can, because I think my gut gut may be right.
He and I do not own the nightclub, he owns it with some other guy, not that this matters a lot.

Ernest

Tim Gorman asked:




The act of obtaining credit reports for free was mandated by a federal law enacted in 2003. The program was then rolled out across the country, starting with the West Coast. Free credit reports requested online are viewable immediately upon authentication of identity. Your credit history is a summary of your financial history. It is a document that determines whether or not you get a mortgage, car loan or other loan, as well as what interest rate you’re charged for those loans.

A free credit report is available through any of the three major bureaus - Trans Union, Equifax and Experian - once every 12 months. If the consumer is denied lending, they can receive another free report within 60 days of the date they were denied a loan or lending account. This report is issued every year by the state and you can attain a copy of this report and check it so that there are no errors. This can also help you to obtain a good insurance score.

A free credit check is exactly what you need if you are unsure about your credit rating. It will allow you to find out exactly what is improving or diminishing your credit rating-and also help you to determine how best to react.

A credit report for free is available once a year from Equifax, Experian, and TransUnion at designated websites. Instead of getting all three at once, get a different one each quarter. A free credit report is not just a privilege for a select few; it’s the right of all to acquire. This came about because the United States Congress in 2003 enacted the Fair and Accurate Credit Transactions Act (FACT), allowing every American citizen to get a free copy of their credit report once a year. A free credit report is available through any of the three major bureaus. Knowing what’s on your credit report can help prevent identity fraud.

A free credit report is that vital document you would require when applying for any type of financial service. Any inaccuracies and misleading data occurring anywhere on your report can lead to hassles, a lengthier processing period, and can even result in a service being denied.

If you have already used up your free report sometime during the year and you want another free report, just apply for credit and get turned down, this will allow that you get a free report to see what is on your credit history.

Melissa

Marie Megge asked:




Are you considering debt settlement, but concerned it may negatively impact your credit score? If a lower credit score is your main concern regarding debt settlement, read on for answers to some questions you may have.

First, you’ll want to check your credit score to be sure it’s as high as you think it is. You see, if you’re carrying high balances on your credit cards, with many of them being nearly “maxed out,” there’s a good chance that your credit score is only mediocre, at best. Worse yet, if you’ve made even one late payment, your credit score will be reduced, as well.

If you find that your credit score is fairly decent, and you’re worried about your credit file reflecting a lower score as a result of debt settlement, you have a legitimate concern.

Unfortunately, most creditors won’t even consider working with you until your accounts are near “charge-off” status. At that point your credit report will show that your accounts are 180-210 days delinquent, and you can expect your credit score to be significantly reduced.

How long will you need to tolerate a lower-than-normal credit score? Well, that depends on your ability to generate sufficient funds to pay the agreed-upon settlements negotiated and reached with your creditors. Generally, your score will improve when zero balances are reflected on your credit report - usually 30-90 days after a settlement has been paid in full. You can speed this process up by being proactive and sending proof of payment to the major credit reporting agencies, rather than waiting for your creditor to report the changed status. Your score will continue to improve as the debt settlement process is further behind you, and can expect a score of at least the mid-600 range within twelve months of paying your accounts off through debt settlement, provided your mortgage and installment loans do not reflect any late payments.

If you’re struggling each month to make the minimum payments on your accounts, and debt settlement seems to be your best option, a temporary reduction in your credit score probably shouldn’t influence your decision too much. Rather, peace of mind and the ability to pay your bills should be your main concern. If you take a realistic look at your finances, you may very well see that you’re in deeper than you thought. I urge you to gather all of your bills and add up your monthly expenses - including your credit card bills, and then minus your credit card bills. After you’ve made the comparison, you’ll likely understand that the benefits of debt settlement easily outweigh the few months you’ll need to deal with a reduced credit score.

Herbert

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 month, and have been on time with all payments, i’m still having trouble getting credit. I have checked my report, and there are no apparent issues. I have a plan to pay these debts off myself within the next six months, but would like to do it sooner if possible. If anyone can reccommend a lender who could help in my situation, i’d greatly appreciate it. Thank you!

Shannon

Chane Steiner asked:




Being sued by a debt collector can be very intimidating. If you are being sued, never let a default judgment be entered. You have nothing to lose by disputing the validity of the judgment or even settling it out of court to avoid that nasty record landing on your credit reports.

The statute of limitations (SOL) on judgments is very long; usually 12 to 20 years. More and more collection agencies are starting to seek litigation simply for the fact that judgments are renewable. Once they get a judgment, it may be renewed if the creditor files a new suit seeking to renew the judgment prior to the expiration of the original judgment) therefore, technically, a judgment could follow you around for life.

Even if you pay a judgment you will be stuck with a ’satisfied judgment” for 7 years from date satisfied not filed! This can be a hopeless situation so avoid being sued at all costs!

However, if you already have a judgments reporting on your credit report, there are ways to have them removed. There are many strategies and options one could use to remove a judgment from their credit report. You have more rights and are protected by more federal and states laws than I could ever write about in one article. The most common is disputing it with the credit bureaus. Another way is simple to negotiate with the creditor. Many people use “pay for delete” letters when negotiating. It’s always important to get the agreement between you and the creditor in writing as once you have paid; they have no other motivation to remove it from your credit report.

Joann

theREIWiredvideos asked:

Joe Lawrence discovered techniques that allow investors to get access to financing without using their personal credit line and how to appear debt-free to lenders. Boost your business credit score from zero to a perfect 80 in just 30 to 90 days. Joe Lawrence will wrap up the session with a little bonus: how to clean your personal credit report.

Kelly

Jeff Weber asked:




When credit cards first began most of the cards that you could get were from gas stations. Visa and MasterCard didn’t have the presence that they share today. Today gas credit cards are still available and there are about fifteen or so companies that offer them. One of the drawbacks to gas cards is that generally you can only use them to purchase gas, although to stay competitive with the bigger bank cards you can find ones that will allow you to buy other items.

Why with regular credit cards would someone want gas cards anymore? Probably the singular reason is to get gas rebates. All the major gas cards offer cash back. If you live where there are BP gas stations you could look into the BP Visa Card which offers a 5% rebate if you use it at BP or Amoco gas stations. Interest rates on these gas cards can be variable instead of fixed so you could pay more than you save if you can’t pay the bill in full each month. It is not unusual to find an almost 20% interest rate with a gas station card.

Some gas credit cards let you earn rewards points instead of getting a percentage cash back rebate. In this instance you would earn a certain amount of points for each dollar spent on gasoline then you would redeem these points for gift cards, merchandise or other items. When you choose gas credit cards with major branding they may also offer you a cash rebate for purchases other than gas. Usually it is 1% back on other purchases.

There are gas cards that don’t offer any rebates at all, just the chance to have revolving credit to purchase gas. They won’t have the Visa, MasterCard, American Express or Discover logo anywhere and they can only be used at those gas stations. These are no frills cards as they will have higher interest rates and won’t have balance transfer capabilities.

It is imperative that you read the terms and conditions of a gas card before signing up. They can have stipulations regarding the expiration of reward points if they aren’t redeemed or canceling the card for inactivity. The information you might see to get you interested in the card may tell you that you can earn up to 5%, but that doesn’t mean that you will get that 5%. If they have a qualification of up to 5% it means you may not always get that amount on your purchases.

Valerie