Monthly Archives: January 2010

What is the best credit report/monitoring website?

I plan on disputing items on my credit report. I have already ordered my FREE annual credit report but need something that will monitor upcoming "frequent changes". I know it wont be free but which one, should I get since I’ll be watching all 3 major credit bureaus? Thanks for your help and suggestions! For … Continue reading

How can you get your credit report without joining a club and give out your credit card number?

All of these free credit report on the internet require your credit card info and want oyu to join a club which is totally crazy to me. If I need to join a club I would have asked for membership info. So there is no such thing as free credit reoprt at all? AnnualCreditReport.com is … Continue reading

What will my credit report show if I choose to settle an old credit card account with a debt collector?

I would like to settle a few closed credit accounts that have been charged off and bought out by debt collectors. The collection agency is offering me a discounted rate to pay off this account. If I choose this option, will my credit report eventually show this account closed and paid off, as stated by … Continue reading

Is it legal to discuss credit reports over the phone?

I work for a real estate rental company. Potential tenants must submit an application and they are informed that we will pull their credit. The manager pulls their credit report and makes the decision whether the person is approved to rent from the company. When we talk to the applicants on the phone about their … Continue reading

What matters more the credit score or the contents of your credit report?

If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won’t really care about much else? In the end it would be up … Continue reading

Is it better for your credit score to close unused credit cards or leave them open with no balance?

I have several credit cards that I have’t used in a long time. Should I close these accounts or leave them open? How will it affect my credit score? if they dont charge you any annual fee leave them open coz if you close them it WILL lower your score

How do you get the free credit report you are entitled to?

I just tried by logging on to the free credit report link. How can I still get my free credit report? I want to see my free credit report. if you are looking for the free credit report usa national site, check out this site http://free-credit-report-national.com/ Here you can check your 3-in-1 Report from all … Continue reading

Are there any credit cards that offer unlimited viewing to your credit file and score?

I have a cap one credit card and a credit card from my bank that i use every month. I also pay them off every month. I also have about 4 other credit cards with zero balance that I have left open to show good standing and lines of credit. I was told that wamu … Continue reading

How do I get my free credit report I am entitled to?

I just tried by logging on to the free credit report link. How can I still get my free credit report? I want to see my free credit report. if you are looking for the free credit report and score national site, check out this site http://free-credit-report-national.com/ Here you can see your 3-in-1 Report from … Continue reading

Any way to obtain my free yearly credit report from internet?

I need my free yearly credit reprot from the major credit agencies. I have heard that a law was passed and all agencies were to provide a persons credit report free once a year. I have encountered several websites claiming to be free but there are none that i have yet to come across. I … Continue reading