Archive for the 'Credit Report' Category

Wednesday, March 10th, 2010

Which credit reporting agency is best for the credit report?

I know that i can get my free credit report once a year, but there are like 3 reporting agencies to chose from. Which of those agencies is most accurate, and gives out the most info? I want one, to show all the negatives thing i might have in order for me to fix them, [...]

Tuesday, March 9th, 2010

CREDit REPORT?????? ?

when i activated my credit card they asked me to verify the make and model of my car?
how do they know, it is a diff. company? my credit report doesn’t say.
how do i see the credit report they see that has make model?
I have never seen the make or model of someone’s car on a [...]

Thursday, March 4th, 2010

CREDit REPORT???????

when i activated my credit card they asked me to verify the make and model of my car?
how do they know, it is a diff. company? my credit report doesn’t say.
how do i see the credit report they see that has make model?
There are new "consumer reports" that are beginning to emerge that gather more [...]

Wednesday, March 3rd, 2010

What does the credit to debt ratio on your credit report mean?

I have 100% credit and 0% debt on my credit report. What does this mean? Im young 21 and im just really starting to really look at this stuff. And I really have no idea what all this means.
Debt Used divided by Available Credit = Debt Load
Example:
$2,500 of debt charged to a credit card
with [...]

Saturday, February 27th, 2010

How does an unused credit card report on your credit report?

If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?
It shows on your credit report as X number of dollars credit allowed, zero for maximum use and zero for outstanding balance. But it does add to [...]

Friday, February 26th, 2010

How often does Household Bank report to credit bureaus?

I recently got a Household Bank credit card in order to help build up my credit score. I have only used the card for small purchases and have paid off the balances for 2 months (the amount of time I’ve had the card) but no payments have shown up on my credit report as of [...]

Friday, February 19th, 2010

How long can a bank keep a delinquency on a credit report?

Back in 1997, I ran into some financial trouble and took out a loan for the balance on a mobile home I once owned. I defaulted on the loan that year, but it is still on my credit report. I wrote letters to the bank and to the credit reporting agencies, and this [...]

Thursday, February 18th, 2010

How do I remedy a Credit Report debt supposed to have been assigned to my X Husband?

My X-Husband and I got a divorce, with it papers that stated as a contract that he would be taking two debts he incurred while we were married but these debts still show up on my credit report. Is there any way to stop these debts from being reflected on my credit as it [...]

Wednesday, February 17th, 2010

What is the legit “free credit report” website?

You hear from all sorts of places about getting your free credit report, but you just have to sign up for a free trial. And there’s always that catch. I saw something yesterday on the TV about a free credit report being offered and the offer expires end this month? I can’t remember who it [...]

Friday, February 12th, 2010

What website provides the best credit report for free?

I want to find out what my credit report looks like and my credit score. Can someone offer advice to which websites I should go to that provides the best credit report and score for free?
Thanks!
Only ONE IS TRULY FREE and mandated by the FTC: Score is additional $7.95 per agency but you [...]