Nonnie asked:


I just recently had my credit score checked a week ago. So this score is accurate.

Robin

frend asked:


if i tell my lenders that they can have the house.

But i’ve never been late on any payments for this mortgage.

Will this show up on my credit report for the next 7 – 10 years?

Can i purchase another house in 2- 3 years when market goes back up.

Lawrence

BRANDO123 asked:


have bad credit told me it was free credit score.. then it offers me a line of credit and a credit card … that reports to 3 to companys … i stoped because it askied for my banking information

Anita

Ceren H asked:


Let me start this over I have been in the country for 3 years . I came here with my student visa and opened an account with bank of america in 2006.Since I was a foreign and didn’t have a social they opened an account in a different way .Then I got married 2 years ago to my husband whom is a Us citizen.After our marriage I went to bank of america to update my address and name ..etc. They did the update which took for ever because they had to find my account info from a list which has millions of people whom they are holding other countries residency.From that time on I have been getting my statements and bank updates regularly with my name( marriage name) on it.Then one day I was at retail store to open an account with them they of course swiped my card to verify address and my application hasn’t been approved due to a mismatch on the address with my driver’s licence and debit card .After I contacted bank of america they couldn’t see any reason for that since I am getting my statements and everything,this follow up didn’t solve anything without even knowing that it is unsolved.

5 days ago my husband and I were trying to open joint account for us and we actually did open it online. They sent us a verification e-mail stating that it has been approved and they will be mailing our paper work in the mail .Since we thought we have an account we transfered some funds to that so that it would be active.Very next day I log in our online banking and our brend new account showing -$888.888.88 on hold.I of course freaked out and called my husband for him to call the customer service.He did talk to someone and that person said that the account is “at high risk”.My husband ask them the meaning of it.He couldn’t get any further due to the fact of our agreement .THEY DO NOT HAVE TO GIVE YOU A REASON TO CLOSE AN ACCOUNT. This morning we went to the bank .The lady who tried to fix our problem started with my old account.She updated the info and tried to talk to someone to fix our new account problem but no point.They have already closed our account and since there was another existing acoount under the same name they closed that to.The lady helping us asked the same question why?.And the person on the line whom is above her(as rank) said the same thing they do not have to give a reason.Lady who was helping us encourage for us to get a free credit report just to see if someone has stolen my identity .Sure enough I came home couple hourse ago and checked my credit report and I do not even have a credit history to begin with ..

I ended up not being able to open any other Checking accounts with this certain bank seems like no reason other than my nationality ! I am really confident to say this ,I haven’t commited any crime neither here nor in my homeland ,other than one seat belt violation in United States when had my driver’s permit,I do not have any criminal backround.They have red flagged me for life .I NEED TO TAKE A LEGAL ACTION! Need your advise ,the ones who has a knowlage of my situation

Thank you.

Rodney

Leo asked:


Hello,

I am leasing a car which I will have the option to buy out in March of this year. Since it’s a very good car, I’d definitely like to buy it out – The buy out is something like $8,000. I checked my credit score, and it’s about 762 with Experian and Equifax, and 777 with Transunion. The only thing is that I am currently not working, so I’m sure that “that” would come into play as well. As a small side note, I almost have enough capital to buyout the car outright, but I would like to keep my cash liquid if I can get a good rate.

1. First of all, why do I get different scores for my credit score (signed up for a free trial for one of those free report things that gives you 3 different scores)

2. Also, what kind of interest would I likely be paying here?

Thanks.
Lol wow, at first I was pissed off at how many spam answers I was getting on my question, but now I just laugh. I will report all of you spammers – please stay OFF my question!

Brent

babies_happen asked:


I went to walmart today to cash a $80 payroll check and was declined. I normally just deposit in my checking account but i recently closed it because i am moving in a couple days. Any way, they wouldnt cash it. they gave me a piece of paper with blah about check transaction file, free credit reporting act, call this #, the usual runaround. So i called the number and could not get ANY useful information in the 2 hours i was on the phone with them. I know what certegy does but i am trying to find out why they wont allow me to cash the check. The people at certegy couldnt/woulndnt tell me what reason 3 is. Anyone here know?

Laurie

hsalas asked:


I need advice on which cards to keep and which to close In total I have 7 Credit Cards I know for sure I want to close two of them out but would also like to know if I should do anything to the others

I have the following Cards,
Bank of America Platinum Plus, using $70 of 2,300, opened 06/07
Sears (Blue), using $350 of $1,100, opened 12/07
HSBC, 0 of $300, opened 03/08
Capital One, $100 of $750, opened 03/08
Sears MasterCard, 0 of $1,000, opened 07/08
Target, 0 of $200, opened 09/08
Sam’s Club Personal Credit, $70 of $500, opened 11/08

I also have a student loan out that deferred for $7,000

I plan to close out HSBC ( they wanted to charge $10 for a credit line increase of $100 they also have an annual fee and I think the most they will do is cut it in half) and Target because of their low credit limit and I really don’t shop at Target, just used it to get a 10% discount on some present for my mom. I don’t want to close out sears (blue) because I bought a TV on it and its interest deferred until august (I should have it paid of by april). Capital one is interest free for a year which is about to end, think I could get them to give me a good credit rate?

Do you have any suggestions for me I don’t want to open any more credit cards any time soon.
My credit score is a bit out of whack, credit companies Always report to the credit agencies when I have a high balance with them, which I think is unfair, hopefully I get lucky this upcomming report. Suggestions with that as well would be appreciated. Thank You very much for your suggestion.

P.S. I use Bank of America Privacy Assist to check my credit report it updates every 3 months. I still have money over from my student loan (I was going to use for a down payment on a car) should I use that money to pay off all the debt or should I continue doing it the way I am now, I made a budget off all my credit cards and I should have every thing paid off by february, except the sears card.

Carla

Montana asked:


I have Identity Monitor from Citi (I have a credit card with them). One of the features of the Identity Monitor is that I can look up my credit report whenever. It tells me accurately what is on my report (it matches up with my free credit reports from those 3 agencies or whatever). So, would you say the credit score it gives me is about accurate?

Does anyone know their score more factually and have Identity monitor? are the scores the same or at least close?
Yeah, I know about Transunion, Experian and Equifax, but I looked them up before during this year and I’m in the process of building up my credit, so I was hoping that there was an accurate source that would reflect the changes I make.

Why do you say it is/isn’t accurate? Do you use it yourself? Again I know it’ll never be right on to the point, but is it completely wrong for some reason? Sugar-coated somehow?

Larry

Joe Maruca asked:


The offers are everywhere! Commercials with catchy jingles, free offers, scare tactics about identity theft and poor credit, it’s hard to miss them. So what’s the real deal? Is everyone allowed to give away free copies of your credit report?

There are many websites that offer a free copy of your credit report but most of them will only do it if you sign up for other services like “credit monitoring.”  The only place recommended by the Federal Trade Commission is “annualcreditreport” dot “com” which is set up by the three credit reporting agencies.  You can also call them at 1-877-322-8228.

If you’ve already gotten your free credit report for the year, you can get an additional copy of your credit report if you have been denied credit (by a credit card company, loan, etc.) within 60 days.  You can also purchase a copy if you need to for about $10. For More information and FAQ, visit the Federal Trade Commission’s website at “ftc” dot “gov”

Why is it a good idea to check my credit? It’s a good idea to review your credit report and score on a regular bases for several very important reasons including: Identity theft, inaccuracies, unauthorized activity and to see who has been checking your credit aside from you. The information in your credit report can affect your ability to secure a loan (car loan, home loan, student loan and more) and can also determine what type of interest rate you receive from your credit card company.

So remember, you can receive a free copy of your credit report without signing up for any additional services and it’s a good idea to review the information in your credit report on a regular bases. 

To learn more about good personal finance practices visit www.creditcardinfohub.com where you’ll find this and other articles including 5 Easy Steps to Financial, Credit and Debt Relief.

 



Steve

rob j asked:


my question is will it still appear on my monthy credit report if i did not buy any mins i just signed up

Leroy