company « free 3 credit report

March 1, 2012

Q&A: paid a debt, company reports to all 3 credit bureaus by email, how long will it take to show on credit report?

Filed under: 3 Credit Report — Tags: bureaus, company, credit, Debt, Email, long, paid, report, REPORTS, show, take — admin @ 9:04 am

by Smithsonian Institution

Question by Brandon: paid a debt, company reports to all 3 credit bureaus by email, how long will it take to show on credit report?
I paid this debt o’er 2 months ago and just called the people and they said it hadn’t been closed yet, so they said they closed it and will report by e-mail to the 3 credit bureaus tomorrow. I am attempt to buy a house and that is the only thing i need taken care of before i tinning get financing. So i am just curious if anyone knows roughly how long it will take for the credit bureaus to update my report.

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January 24, 2012

Q&A: Will it hurt my credit rating if the company cancelled card due to non use?

Filed under: Credit Rating — Tags: cancelled, Card, company, credit, hurt, Rating — admin @ 1:01 am

Question by Heidi 4: Will it hurt my credit rating if the company cancelled card due to non use?
I have a Capital One credit card which I havn’t used for over two years. I got a letter from them today that they are going to cancel my credit with them because I have not used my card.My credit rating is ‘excellent’ and don’t want this as a negative on my rating.

Best answer:

Answer by pappy12a
If you’re not going to use it just cancel it ,you can always get a new one later if you want

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November 17, 2011

Can I request my credit card company to report payment history to all 3 credit bureaus?

Filed under: 3 Credit Report — Tags: bureaus, Card, company, credit, History, payment, report, request — admin @ 8:59 am

by NASA on The Commons

Question by Sooner: Can I request my credit card company to report payment history to all 3 credit bureaus?
One of my credit cards only reports to TransUnion, and my student loan lender only reports to Equifax and Experian. Can I request each of them to report to all 3 bureaus or do they only follow their company’s policy?Specifically, tin I require them to do so?

Best answer:

Answer by KitKat
No..you can’t.

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November 10, 2011

when a mortgage company checks your credit score will they do an average of all 3 combined?

Filed under: 3 Credit Score — Tags: average, Checks, combined, company, credit, Mortgage, Score, they — admin @ 9:09 am

Question by ND: when a mortgage company checks your credit score will they do an average of all 3 combined?
i was told that all i needed was a credit score of 600 to qualify. and i only scored above 600 on one of the 3 major score companies( equifax) but the others are very really close to 600. will they do an average of the 3 tallied combined?

Best answer:

Answer by Jane
They use the FICA score, which is not one of the “3″ you get from those sham accompany. You can get your FICA score for a small fee from their website.

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November 3, 2011

How will not paying my company credit card affect my credit rating?

Filed under: Credit Rating — Tags: affect, Card, company, credit, paying, Rating — admin @ 9:12 am

by Powerhouse Museum Collection

Question by STEPHANE P: How will not paying my company credit card affect my credit rating?
When you get a company credit card, it is based on their credit rating. But when you are late making payments or assume’t make payments(for whatever reasons) does this hurt your credit rating or just theirs? Each person is responsible for submitting expense reports, then the company cuts you a check, and you in turn pay the credit card company.

Best answer:

Answer by Robert E. Lee
Yes.

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September 3, 2011

How does it affect my credit rating if the charge card company closed my account due to me not using the card?

Filed under: Credit Rating — Tags: account, affect, Card, charge, closed, company, credit, Rating, using — admin @ 4:59 pm

Question by Rags: How does it affect my credit rating if the charge card company closed my account due to me not using the card?
I did not owe anything on the card because I have another one that I always use instead and I pay the balance in full every month. I’ve had good credit–will this make my score lower? Should I re-open the card that was closed and just use it every once in a while? It doesn’t matter to me, unless the fact that the card accompanied closed it is going to affect my rating in a negative way.Would re-opening the card that was fold hurt or help?

Best answer:

Answer by D J
It will drop your credit score because your overall available ascribe limit will drop. The back of wallet cards, those you do not use often postulated to be used at least one a quarter, So mark your calender & use them even if it’s just to buy a lunch or cup of coffee. Then pay the bill of when the bill arrive. That will keep the card active in your credit score. Your credit score affect things in your life caring car insurance & getting or keeping a job. Never use more than 20% of your available credit line.

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July 26, 2011

How much credit line can a company with an A1 Dun and Bradstreet rating qualify for?

Filed under: Credit Rating — Tags: Bradstreet, company, credit, line, much, qualify, Rating — admin @ 1:01 am

Question by Dax: How much credit line can a company with an A1 Dun and Bradstreet rating qualify for?
I have seen a “seasoned company” for sale that has an A1 Dun and Bradstreet rating. How much credit line and what type of terms usually can a company with this credit rat qualify for? The seller states that it could probably qualify for 1mm with an A1 rating.

Best answer:

Answer by Gemin K
The rating is a factor, but there are many other factors such as assets, liabilities (including the aging of the AR/AP). You can get an appraiser to value your in/tangible assets. But the biggest factors are cash flow, EBITDA margins, and total revenue. Assuming your business is doing 1MM in EBITDA on 20MM revenue, you can secure for maybe 2.5 times that amount. It all depends on the dynamics. Also, if working majuscule is a crucial ask, you can hire an investment bank to find you a mezanine lender that specializes in those address. They usually give higher multiples on working cap if your business is on the up and up. Good luck.

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July 21, 2011

Negotiating with your credit card company is easy!

Filed under: Credit Rating — Tags: Card, company, credit, easy, Negotiating — admin @ 9:00 am

Watch and listen as I call my credit card company and ask for a lower interest rate.

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