Archive for January, 2009

Friday, January 9th, 2009

Why are all companies allowed access to your credit report? What can be done to limit access?

In todays world it seems as long as you pose as a business you can access information on anyone you want. I know credit reporting agencies say that this doesn't affect your ratings, but it seems like it does. Any business can see your report and credit scores, but you can't see your own without [...]

Friday, January 9th, 2009

Closing credit cards that are paid in full and not using?

I have a few credit cards that at one time I used but not longer use because I try to keep a 0% interest card and use that.
My question is should I close these cards? They all have $0 balances on them but I do not want to hurt my credit score by doing [...]

Friday, January 9th, 2009

What are my options for acquiring a business credit card?

I am a recent college graduate looking to start a tax preparation business. I have average credit with one major charge off on my credit report. What are my options for applying for a business credit card to finance office material and supplies? Im not looking for a huge credit limit, just need about 5k.
I [...]

Thursday, January 8th, 2009

How do I get negative info off my credit report?

I have several different issues with my credit report. One includes an old debt that I finally paid, but it still shows up multiple times from different collection agencies. It shows zero balance, but also shows all the negative things such as late payments, etc. How do I clean up my credit [...]

Wednesday, January 7th, 2009

How do I check or help establish a credit report for my 16 year old daughter?

My daughter is turning 17 in May and she has been interested in building a good credit file. She already has a checking account with my wife's cosign and a debit card. How can I help her establish a credit report and how can we check her credit report? I have tried it online at [...]

Wednesday, January 7th, 2009

How does one pay for services offered by Yahoo, if they don't have a debit or credit card?

I once had a card, but it is now closed. I wish to continue using Yahoo's services, but cannot pay by credit or debit card. How can this be done? I've been working on this since June, and have gotten NO response from Yahoo. Help, please.
http://search.cc.yahoo.com/search?ui_mode=question&property=premium&question_box=billing+options&Ask=Ask

addthis_url = ‘http%3A%2F%2Fwww.topcreditresources.com%2Fcredit-services%2Fhow-does-one-pay-for-services-offered-by-yahoo-if-they-dont-have-a-debit-or-credit-card’;
addthis_title [...]

Wednesday, January 7th, 2009

How do I get this taken off my credit card, as they've billed me~!?

I received their disk and have cancelled, but they continue to bill me the monthly fee! What resources do I have to stop this and have my account credited?
call them and speak to manager let them know when you cancelled and who with (the agent you spoke to) call your credit card company and let [...]

Tuesday, January 6th, 2009

My Credit Report is incorrect. How do I go about fixing the discrepencies that are on it?

There are a few things on my credit report which were taken care of in 2003. Anyone know what I need to do to fix this?
Experian are the UK's biggest credit reference agency, they can give you a report and allow you to ammend it, just about all credit companies use this one to judge [...]

Tuesday, January 6th, 2009

Is there an honest rating of consumer credit counseling services out there?

Yes, and it's from the FTC. If you mean credit repair services, then the FTC says that they are all scams. They make suggestions on where to find legitimate companies and such. Just beware.
You can't find too many sources that will be as good as this paper for an honest [...]

Tuesday, January 6th, 2009

How do you prevent credit cards from being issued to someone who can't handle them?

I have been named legal guardian over a mentally-ill sibling who has gotten into trouble in the past with spending on credit cards above and beyond her means to pay. I have closed all current accounts, but what is the best way to ensure that no more credit cards are issued to her?
A law to [...]