littlemaltese asked:


on your credit report? I disputed 3 things from Transunion and I got a notice they were deleted and recieved my free copy of my credit report online with them. I am also a member of Truecredit.com and its not updated on their website yet…..How long does it usually take???

Gabriel

savannie84 asked:


Ok, this will be the 3rd question I’ve asked about the AF thus far. I really appreciate y’all’s help here.

My husband has a credit score of 577 (checked today). We are on the Dave Ramsey plan (for those of you familiar with him) for paying off our debts, which means we’ve just been paying our smallest debt first and then working our way up to pay off the rest of them until they’re all paid off. Goal is summer 2009 to be debt free. Question is, my husband has two credit card charge-offs (one we have paid by settling), and a few very small collection accounts that we are taking care of immediately. The charge-off is for about $3000. What should we do about this? Should we continue with our plan and show the recruiter how active we are being in paying these off or will they immediately count us out for bad credit? And if I have a charge-off in my name, too, will it affect my husband’s chances, as well?

Basically, we were very responsible with credit at first. Then we bought a home and lost a job and got behind badly. Now we are making significant progress in catching up and I’m wondering how we need to show the recruiter this or if my husband will just automatically be disqualified because of credit.

Sorry for the lengthy explanation. Thanks in advance.

Christian

Matthew Keegan asked:




Yes, it is true: free credit reports are available for you, the consumer. Thanks to an act of Congress, you can get copies of your credit reports annually. This means that Experian, Equifax, and Trans Union – the Big 3 credit reporting agencies – must furnish one free copy of your credit report to you every year. No, you can’t get your free credit reports sent to you automatically: you must take action. Let’s take a look at how you can get copies of your credit reports sent to you today.

Annual Credit Report – By visiting AnnualCreditReport.com you can sign up through the government approved site that will give to you your free credit reports. Each of the three credit reporting companies is listed therein, so select one and provide your personal information to the company of your choosing. Once your information has been verified, a report will be generated for your review. Take a close look at it: if there are errors you need to follow the company’s procedures for contesting mistakes.

Your Credit Score – Not included with your free credit reports but available for a small fee at the same time is your credit score. This is the score whereby members of the credit industry rate your creditworthiness. The higher your score, the better for you and the lower your borrowing rates will be.

Competing Sites – Some consumers prefer to pay for what otherwise are free credit reports. By signing up with companies who offer this service, you can automatically have your credit reports run and sent to you on a periodic basis. Again, you will pay a fee for something you can get for free. In any case, you will pay for your credit score no matter whose service you use.

As with any report, check your free credit reports for errors. Experian, Trans Union, and Equifax all have procedures listed outlining how you can challenge errors. Make certain that you follow their directions to have wrong information expunged from your report. It could save you money on your next credit card loan, car loan, or home mortgage.

Certainly, there aren’t many things that are absolutely free in this life. Congress has seen fit that free credit reports are offered to American consumers in all 50 states. Run each report at least once annually and check it for mistakes as they commonly occur. Who knows, but those free credit reports could reveal identity theft issues too saving you much grief and aggravation if caught in a timely fashion.

Gail

Mike Clover asked:




Free Credit Report with no credit card required is available at annualcreditreport once a year. Here is what they don’t tell you. When you get your Free Credit Report at annualcreditreport there is no Credit Scores. So what good is a Credit Report without your Credit Scores? A Credit Report with no Credit Scores is like a destination with no address, it is useless. The following look at your scores very closely when determining your credit risk, interest rates, and terms.

1. Insurance Companies

2. Utility Companies

3. Credit Card Companies

4. Mortgage Companies

5. Car Finance Banks

6. Employers

7. Even Hospitals are now determining your Credit Risk.

Folks this is serious business, just imagine if you are applying for that new job that pays more, and they determine whether they are going to hire you based on your Credit Score. The main point is, yes you can get a Free Report with Annual but it’s once a year and no Scores are included. A Report with no Scores is useless, especially when that is what creditors look at. Let’s just assume you are getting ready to buy a car, and you are a customer that does not know there scores. Dealerships love customers like you because an uneducated consumer is a consumer they can rip off and make more money on. An educated consumer that knows there scores will show up ready to get the interest rate on the loan. This is what most lenders don’t want to deal with, because they make less money on consumers like this. Maybe you are wondering what is considered a good score.

Here is a break down:

o 780-850 – Low Risk

o 740-780 – Medium -Low Risk

o 690-740- Medium Risk

o 620-690- Medium High Risk

o 620 and Below – High Risk

There are all of these offers out there selling Free Credit Score Reports with all these up sales. For example:

1. Credit Monitoring

2. Savings Club memberships etc

When it comes down to being an educated consumer and that is all that is available out there to get your scores, there is not much choice. I would not hesitate to get these services, because everyday thousands of people get there identity stolen. I would recommend being an educated consumer so you are aware of what is being reported about you. Start saving today and protect yourself and your family.

Paul

Ima Johnson asked:




Have you ever wondered how loaning companies, banks, and even other huge investors make up their decision whether if they would decline your application or approve it? That’s right. These establishments take a look at your credit score which is indicated in your credit report.

What Is A Credit Report?

A credit report is considered to be a brief, yet accurate financial history for one whole year. Your credit statement is where these companies base their decisions – as they would be able to see whether you have had some problems when it comes to paying your monthly bills, or whether if you pay on time. Your debts (if any) are also included in here, as long as the other purchases made from your credit card(s) or any other means of purchasing or paying for shopped items.

As an individual, you can benefit a lot from getting a free credit report. You can easily anticipate whether you will have your loan approved or not. This is also one way wherein you can keep track of you yearly expenses, and even financial records.

Through proper monitoring, you can also determine whether someone has tried to steal your identity or also known as identity theft. This is a rampant crime worldwide – and you have to be aware of these tings. Since your free annual credit report gives you a brief explanation and figures on your previous financial statement, you may determine whether someone has tried to fake your documents and forged your accounts.

This way, you can easily report that kind of incident immediately to the bank, and report the account is fraud. You can also have a lawyer checked and have that case investigated – that way, you can find who the potential suspect or who is the one responsible for identity theft. Identity theft is a serious crime that you do not want to take lightly.

Taking things back to your annual financial statements, there are various bureaus that can help you out and offer you a free credit report. Most often, the reason why these bureaus and companies offer this kind of service for free, is that they have set a particular budget for this one, and at the same time, they earn profits through companies advertising and visitors to their site. Once that you have been a customer, and that you have been obtaining your annual financial report, they can also offer you other kinds of services related to the field.

Obtaining a yearly financial free credit report or credit status plays an important role – make sure that your identity won’t get stolen, and that keep track of your other financial statements and even financial history; who knows, you can have your next loan approved in no time!

Leslie

Gary Bunn asked:




Your credit file is a document that presents a complete picture of your financial situation, both past and present, and is the primary deciding factor that leads your creditors to accept or decline your applications. So you can clearly see how important your credit report is! It’s also really important that you make sure the information recorded on your report is up to date and accurate. It is estimated that 7 in every 10 credit reports requested contain an error or incorrect entry of some sort! Just imagine the effect this must be having on your applications.

Your credit report is used to decide not only if you should be approved for a credit application, but it will also affect the rate of interest you pay, and also whether you will be required to provide a deposit or guarantor. Checking your credit file can be a quick and easy task that could mean the difference between getting that next credit card, motor loan or even a mortgage, so the sooner you check your report the better!

There are 3 main companies that collect and record your details and these are known as ‘credit referencing agencies’. The major 3 are Experian, Equifax and Trans-Union. You can apply individually to these agencies who are required to provide you with a copy, however there may be a fee associated with it.

Alternatively you can get a free copy of your credit report from all three companies here. These companies also offer subscription services to protect and monitor your files, which also helps prevent identity theft, but don’t think you have to pay for this! Regular credit report checks and common sense with your personal details (such as shredding) will certainly help keep you one step ahead!

Once you have copies of your report take a few minutes read through your file and highlight any potential problems you see. Once you have a list you can contact the referencing agency and let them know your disputes, they are legally obliged to look in to these for you. It may also help to write to the company who has entered the inaccurate info.

The most important thing for you to do is to get a copy of your report and check the details! You could be very surprised at what you discover! Remember you can get a free copy of your Free Instant Credit Report here, it really won’t cost you a dime. Good luck!

Thomas

soidef9df5 asked:

www.bestonlinereport.com How is your 3 credit report agency? Trying to clear up errors on your credit report is frustrating. With BestOnlineReport.com, you get the action button! Fix errors and improve your score easily When your creditor updates their system, all of your reports are automatically updated- and well send you an alert! Put a lock on your 3 major credit bureaus- Try BestOnlineReport.com for free today!

Herman

Mike Clover asked:




The most determining factor for lenders in applying interest rates and terms for a loan is your credit score. Your credit score basically demonstrates to them your ability to responsibly pay your debts and handle your finances. Without a credit scoring system, lenders would have a difficult time determining the risk involved in granting loans. This would result in far more defaults and losses for lenders, which would greatly intensify their scrutiny in giving loans. In this way, credit scores actually make it easier for the average person to get the loans they need to invest in their future.

Dedicated to providing the tools you need to view and improve your credit score. In some ways, there is nothing more important than having a great credit score when building a financial foundation. Major purchases like homes and investments are made possible though loans with low interest rates and favorable terms, which are much more easily secured by those with great credit scores.

Getting your free credit score report is very simple these days. Some websites offer a free credit report but don’t actually give you your score. Sure, you will receive information on your credit history, but you also need your actual credit score to know where you are and where you need to go. This website provides a full free credit score report along with your score. Having this information at your disposal arms you with the negotiating skills you need when dealing with creditors and also helps you to strategize in rebuilding your credit.

Once you have your free credit score report, you will need to spend time understanding your score and learning how to improve it. This website offers a wealth of information and tools for accomplishing this. Here you can find articles from reputable sources as well as updated blogs on important credit topics. We also offer tools that monitor your credit report and notify you of changes. Score Watch lets you know when you qualify for better interest rates and it also determines what factors are most greatly impacting your current score. This takes away some of the guess work in determining what you need to do to improve your score. FICO Deluxe provides an even more complete picture of your credit situation from TransUnion, Experian, and Equifax. You will receive a complete score and report from all three of these major credit agencies. This service also provides a simulator that allows you to run hypothetical situations that might impact your credit. For example, “How will it affect my credit if I pay off this particular debt?”

Another tool we offered is the secured credit card. For those with troubled credit pasts, it can be difficult to obtain a credit card. Not only are credit cards extremely convenient, paying credit cards responsibly is a great way to improve your credit score. By using some sort of collateral account, you can receive a secured credit card. Paying on this card responsibly will eventually increase your available credit and will also build your credit trustworthiness.

Get your free credit score report today and begin building the road to a great credit score and financial freedom. Your credit score is too important to ignore, because it helps to make it possible for you and your family to make the investments of a lifetime that can provide security for you and for those that coma after you. Take the time to learn more about your credit score and utilize the tools we have to offer. You can start by getting your free credit score report now!

Donna

Lex asked:


I just paid off an overdue bank payment (of 3 yrs) it was only 300.00. I have no overdue accounts, all my bills are paid on time, I do have a mortgage, and car payment but do not have any credit card balances. Will my credit score go up right away? Also is there a way to get a fast creit report for free w/out giving your credit card number?

Thanks a bunch!

Harold

Thomas Eliot asked:




People working to pay off their debts to improve their credit score can use free online websites as an incentive. To get your scores online for free you can go to any number of sites which are willing to share this information with you in exchange for your sharing information with them.

Finding out about your score can assist you if you are thinking about taking on more debt, such as in buying a house or automobile. Knowing your score will tell you whether or not you need to work on improving your credit score by paying more each month, or if you can afford to relax and save some money.

Once each year, people can obtain a free credit report from each of the three main credit agencies: TransUnion, Equifax, and Experian. If you want, each report can be ordered at the same time. The credit agencies usually charge for obtaining your credit score, but this too can be obtained free from each reporting agency depending on their incentives. It’s important to know that under certain circumstances, your credit report can also be obtained for free more than once a year, such as when you are turned down on a credit application. All three of these agencies also offer other services apart from maintaining and furnishing the reports.

Some companies offer services which alert you about changes in your credit report. They offer advice about lenders and credit card companies which can help a client obtain a favorable credit score. The free offers are most often used to attract potential clients to their other services. But be aware that the free services are only in place for a limited time, and usually they are coupled with registration to other paid services in exchange for accessing your free scores. Occasionally, some banks and credit card operations will post your free credit score updates on their websites; so keep this in mind as you shop around for a credit vendor.

By law, you are entitled to one free credit report from each of the three reporting agencies once each year. In order to obtain your free report, the three credit reporting agencies can be reached at the following toll-free phone numbers and web sites:

Equifax 800-997-2493 or at equifax.com

TransUnion 800-888-4213 or at transunion.com

Experian 888-397-3742 or at experian.com

It is important to keep in mind that you should probably keep your online and other credit score inquiries to a minimum since too many inquiries within a short period of time can have an adverse effect on your ability to obtain credit. Potential creditors can regard too many inquiries within a short period of time (say 30 to 60 days) as a negative, and this can result in the refusal to extend further credit. One thing that helps in this effort is to make sure that any inquires which have been made were all authorized. If there are unauthorized inquiries, write to the credit agency and to the company that made the inquiry to inform them that you did not authorize the inquiry and to remove it from your credit file.

To get your credit score online for free there are websites where you can go and you can have the results within a few minutes. Just search on the search term “free credit score” and you will find them. To obtain your free credit reports, you must go to annualcreditreport.com You can also apply for notification with some free credit score websites so that you will know each time something changes in your credit report.

Larry