Posts Tagged Personal Experience
Don’t Pay For Your Free Personal Credit Report
Tim Parker asked:
All over the Internet, advertised on TV and radio, and saturating magazines are reports for services that will help you obtain your free personal credit report. Here’s the bottom line: Although I don’t have personal experience with these services, if they are charging you fees, they are banking on the fact that you don’t know that you can get it for free.
As you probably know, you are entitled to view your free personal credit report from the three reporting agencies for free once every 12 months. Notice that I said, FOR FREE three times. You don’t have to pay anything if you view it online. It’s extremely easy to obtain but you don’t do it by going to one of those advertised sites. Instead you go to a site that isn’t advertised. It’s the official site to get your free credit report called Annualcreditreport.com.
The process is very easy. Go to the above site, select your state and answer the questions. Select all three credit reporting agencies and get each report. Make sure to print each report and go over it with a fine tooth comb. If you see any errors, go to each reporting agency’s website and follow the instructions to dispute the misinformation.
While you may be tempted to close out your unused credit cards that have been sitting idle, the credit experts recommend not closing these accounts. Apparently it is better for your credit score to keep these accounts open By closing your cards, it decreases the amount of credit available to you which increases your debt load. Also, keep track of your FICO score. Your FICO score is what qualifies you for a loan and sometimes a job.
The most important thing to take from this article is this: Do not pay for your FREE personal credit reports. It’s quick, it’s painless, and it’s free when you go to the site that is set up by the government.
Philip
All over the Internet, advertised on TV and radio, and saturating magazines are reports for services that will help you obtain your free personal credit report. Here’s the bottom line: Although I don’t have personal experience with these services, if they are charging you fees, they are banking on the fact that you don’t know that you can get it for free.
As you probably know, you are entitled to view your free personal credit report from the three reporting agencies for free once every 12 months. Notice that I said, FOR FREE three times. You don’t have to pay anything if you view it online. It’s extremely easy to obtain but you don’t do it by going to one of those advertised sites. Instead you go to a site that isn’t advertised. It’s the official site to get your free credit report called Annualcreditreport.com.
The process is very easy. Go to the above site, select your state and answer the questions. Select all three credit reporting agencies and get each report. Make sure to print each report and go over it with a fine tooth comb. If you see any errors, go to each reporting agency’s website and follow the instructions to dispute the misinformation.
While you may be tempted to close out your unused credit cards that have been sitting idle, the credit experts recommend not closing these accounts. Apparently it is better for your credit score to keep these accounts open By closing your cards, it decreases the amount of credit available to you which increases your debt load. Also, keep track of your FICO score. Your FICO score is what qualifies you for a loan and sometimes a job.
The most important thing to take from this article is this: Do not pay for your FREE personal credit reports. It’s quick, it’s painless, and it’s free when you go to the site that is set up by the government.
Philip
Is Annual Credit report.com a safe website to check credit?
Nathan asked:
I want to know how my credit looks and was wondering if this was a safe site to use. I’m not really sure if it’s safe. it looks a little shady but I might be wrong. Personal experience greatly appreciated!
Jesse
I want to know how my credit looks and was wondering if this was a safe site to use. I’m not really sure if it’s safe. it looks a little shady but I might be wrong. Personal experience greatly appreciated!
Jesse
Renting apartment with bad credit?
Posted by admin in Renting & Real Estate on May 12, 2010
rexy asked:
Can you still rent an apartment if you have bad credit?
I live in CA and I would like to rent my first apartment in the near future ( within 2 years). I got my credit report from Equifax and it shows that I have Currently ‘past due’ 2 accounts and in the Negative Acct History it show 8 accts ( the 2 past due are included). Of the 8, two of them are not paid and the rest are “charge off” or “collections paid” All this info is correct.
Will I still be able to get ‘approved’? Does any one have any personal experience in renting their first apartment.
I have a steady job, work full time and have been w/ the company for 6 years. I have paid off most of my debt, but my ‘bad’ credit happenend when I was in college about 8 years ago.
Francis
Can you still rent an apartment if you have bad credit?
I live in CA and I would like to rent my first apartment in the near future ( within 2 years). I got my credit report from Equifax and it shows that I have Currently ‘past due’ 2 accounts and in the Negative Acct History it show 8 accts ( the 2 past due are included). Of the 8, two of them are not paid and the rest are “charge off” or “collections paid” All this info is correct.
Will I still be able to get ‘approved’? Does any one have any personal experience in renting their first apartment.
I have a steady job, work full time and have been w/ the company for 6 years. I have paid off most of my debt, but my ‘bad’ credit happenend when I was in college about 8 years ago.
Francis
Credit Report Dispute – Tips, Secrets and FAQ’s
Justin Fox asked:
Credit report dispute a personal experience. My name is Justin and I had to dispute my Credit report, let me give you some free tips and advice.
I found errors and outdated information on my credit report, If I did not fix this fast it could have severely damaged my credit score. If you are in the same position, don’t delay as you could hit with permanent credit score damage. Did you know that 79% of all credit reports contain errors! Yes, your not alone. A whopping 79% of all credit reports contain some type of report error. Did yo also know that up to 25% contain errors, this will most likely result in credit denials. Also, it could mean hiked interest rates and a direct loss employment opportunities!
Act Fast – But Smart So many of the great things in your life are related your personal credit score. From the street that you live on and even to the car that you drive. Actually, everything in your life is affected by your credit score.
Don’t Delay You need to write to the Credit Bureau and solve any errors as soon as possible. Let’s look at what you need to do.
What are the actions I need to take? You might already have a copy of your credit report as you know you have an error or mistake on your report and want to dispute it, Even if you do have a copy you need all three copies form the 3 credit report bureaus.
Best to get a 3 in 1 report as this will save time and money. Here are the prices:
Equifax, Get 3-in-1 Credit Report with Score Power $39.95 Experian – 3 Bureau Credit Report and PLUS Score for $34.95 TransUnion – A 3-in-1 Credit Report with FREE for $29.95
So, What’s the Process of disputing a claim? Easy!, just follow these helpful tips for a dispute:
Make sure you put everything in writing. Be sure to dispute each item in a separate letter. Include your name, address and Social Security number for verification. It’s wise to send all letters certified mail and return receipt requested. Be sure to make copies for your files. Don’t give up, be persistent and write several demand letters may be necessary. Know that credit bureaus are required to show disputed items as “Disputed” on your credit report. Provide enough information for the credit bureau to conduct their investigation. Finally, know that once negative items are removed you can request (make sure this is done, it’s very important) the credit bureau to send correction notices to anyone who has received your credit report in the past six months (two years for employment purposes).
If your dispute request unsuccessful? Do this: Send a “Statement of Dispute” – This will demonstrate that all your attempts at resolving the dispute have failed. So, file a dispute with the credit bureau’s National Consumer Assistance Center. For you to enter such a dispute just call the telephone number which included with your credit report or complete a “Reinvestigation Request” Consumer Response Center, FCRA, Federal Trade Commission, Washington, D.C. 20580
A final word, be warned about Illegal disputes It is considered illegal for you to change your social security number to obtain a clean bill of credit. so take not that If any company might suggest this type of credit repair be sure to report them to the authorities.
I sincerely hope that this article gives you with a few tips and provides you some good advice on filing a credit report dispute.
To get more advice and information on credit report dispute, or Credit Score and Credit Reports click on a www.credit-reporter.net [http://www.credit-reporter.net]
Sara
Credit report dispute a personal experience. My name is Justin and I had to dispute my Credit report, let me give you some free tips and advice.
I found errors and outdated information on my credit report, If I did not fix this fast it could have severely damaged my credit score. If you are in the same position, don’t delay as you could hit with permanent credit score damage. Did you know that 79% of all credit reports contain errors! Yes, your not alone. A whopping 79% of all credit reports contain some type of report error. Did yo also know that up to 25% contain errors, this will most likely result in credit denials. Also, it could mean hiked interest rates and a direct loss employment opportunities!
Act Fast – But Smart So many of the great things in your life are related your personal credit score. From the street that you live on and even to the car that you drive. Actually, everything in your life is affected by your credit score.
Don’t Delay You need to write to the Credit Bureau and solve any errors as soon as possible. Let’s look at what you need to do.
What are the actions I need to take? You might already have a copy of your credit report as you know you have an error or mistake on your report and want to dispute it, Even if you do have a copy you need all three copies form the 3 credit report bureaus.
Best to get a 3 in 1 report as this will save time and money. Here are the prices:
Equifax, Get 3-in-1 Credit Report with Score Power $39.95 Experian – 3 Bureau Credit Report and PLUS Score for $34.95 TransUnion – A 3-in-1 Credit Report with FREE for $29.95
So, What’s the Process of disputing a claim? Easy!, just follow these helpful tips for a dispute:
Make sure you put everything in writing. Be sure to dispute each item in a separate letter. Include your name, address and Social Security number for verification. It’s wise to send all letters certified mail and return receipt requested. Be sure to make copies for your files. Don’t give up, be persistent and write several demand letters may be necessary. Know that credit bureaus are required to show disputed items as “Disputed” on your credit report. Provide enough information for the credit bureau to conduct their investigation. Finally, know that once negative items are removed you can request (make sure this is done, it’s very important) the credit bureau to send correction notices to anyone who has received your credit report in the past six months (two years for employment purposes).
If your dispute request unsuccessful? Do this: Send a “Statement of Dispute” – This will demonstrate that all your attempts at resolving the dispute have failed. So, file a dispute with the credit bureau’s National Consumer Assistance Center. For you to enter such a dispute just call the telephone number which included with your credit report or complete a “Reinvestigation Request” Consumer Response Center, FCRA, Federal Trade Commission, Washington, D.C. 20580
A final word, be warned about Illegal disputes It is considered illegal for you to change your social security number to obtain a clean bill of credit. so take not that If any company might suggest this type of credit repair be sure to report them to the authorities.
I sincerely hope that this article gives you with a few tips and provides you some good advice on filing a credit report dispute.
To get more advice and information on credit report dispute, or Credit Score and Credit Reports click on a www.credit-reporter.net [http://www.credit-reporter.net]
Sara
if i settle acct. w/ a collection agency does it show on my credit?
In the Land of the Lost & Found asked:
I spoke to a collection agency. They are saying that I can settle my debt for less than what I owe. It still has not hit my credit report. If I settle will it eventually show? The agent said it wont, but I know they just want to get paid.
Any personal experience w/this?
I asked for it in writting. She said they don’t have a letter format for this.
COURTNEY
I spoke to a collection agency. They are saying that I can settle my debt for less than what I owe. It still has not hit my credit report. If I settle will it eventually show? The agent said it wont, but I know they just want to get paid.
Any personal experience w/this?
I asked for it in writting. She said they don’t have a letter format for this.
COURTNEY
Beating Capital One’s Credit Limit Reporting Disposition?
Alexander Vasarab asked:
From everything that I’ve ever read to my own personal experience, Capital One does not report your credit limit to any of the three credit bureaus. That said, I know that FICO’s score algorithm substitutes your highest recorded balance in for your credit limit in the absence of it being reported. My question is this: Will finding an item equivalent in cost to your real credit limit, charging it to your card, and then returning it immediately correct credit reports to reflect the true credit limit?
From everything that I’ve ever read to my own personal experience, Capital One does not report your credit limit to any of the three credit bureaus. That said, I know that FICO’s score algorithm substitutes your highest recorded balance in for your credit limit in the absence of it being reported. My question is this: Will finding an item equivalent in cost to your real credit limit, charging it to your card, and then returning it immediately correct credit reports to reflect the true credit limit?
For example, let’s imagine that I have a credit limit of $10,000 and I purchase a huge, flat-screen plasma television for $9,000, and return it the next day and thus have the $9,000 credited to my account, will this set it straight in my credit reports? Thanks!
NESTOR