CG asked:
I want to get my free credit report and need a site where I can get it for free. I dont want to pay.
MAJORS
I want to get my free credit report and need a site where I can get it for free. I dont want to pay.
MAJORS
Archive for June, 2009
dominiquegilmer04 asked:
Is it possible to provide credit repair services to individuals without having an office enviornment to invite potential applicants to?
SEVERSON
Is it possible to provide credit repair services to individuals without having an office enviornment to invite potential applicants to?
SEVERSON
SHOP GIRL asked:
My friend and her husband have a huge credit card debt (42,000) and she recently had to stop working due to a difficult pregnancy. They cannot make their payments any longer. The debt is in her name only and they are considering a credit card debt consolidation company but she is wondering would it affect her husbands credit if she filed it in her name only. Anyone been through this or have advice? Serious answers only please…they are having a really rough time right now.
MCCLUNG
My friend and her husband have a huge credit card debt (42,000) and she recently had to stop working due to a difficult pregnancy. They cannot make their payments any longer. The debt is in her name only and they are considering a credit card debt consolidation company but she is wondering would it affect her husbands credit if she filed it in her name only. Anyone been through this or have advice? Serious answers only please…they are having a really rough time right now.
MCCLUNG
Joseph Feross asked:
There are so many people that don’t have good credit for various reasons. Most people know that in order to get some of the best credit cards and to buy things on credit, your credit score has to be good. One way that you can increase your credit score is to get credit repair help. There are credit repair services available that can help people who find themselves in that situation.
Credit repair can help those not only just to increase their credit score, but it will also assist them in getting lower interest rates on loans, credit cards, etc. A company that specializes in credit repair services can help with that. The process can be done through different entities or agencies that specialize in this.
You will find different companies and related entities on the internet that specialize in credit repair, but even with that you must be on your Ps and Qs. They should be checked out thoroughly to make sure that they are legitimate and reputable. Anyone can advertise online for credit repair services, but they are not necessarily the real deal.
Once you find a reputable credit repair company, they will work with you to get your credit scores where they need to be. Most if not all that offer credit repair services will charge a fee. It’s usually a onetime enrollment fee. The counselors will go over your credit report with you and determine what needs to be done. This service is not an overnight fix; it can take some time to get your credit where it should be and to increase your credit score.
Credit repair services companies that specialize in credit repair know the laws and they have to abide by them, just like everyone else. They work to remove items from your report that should not be there. In particular, any negative items that should not be there are some of the first to go. Your credit will remain the same if they are allowed to stay on your report.
A credit repair services company will engage in credit repair for the consumer where the credit bureaus may not bother to touch. They will work for the consumer to get them a higher credit score. The higher your score, the better chance you have of getting credit and loans.
Since it will take a while for the consumer to see results, they will need to be patient during the credit repair process. A credit repair services company will work to get the derogatory information from your credit report, but there is a matter of making correspondence to the credit bureaus for assistance. The bureaus are given 30 days to follow up. By then, they will need to show their findings of any inquiries and credit disputes.
You will also have to do your part by helping in the credit repair process. The only way a credit repair services company can help you is for you to provide them with the information that they need. The more information you provide to them, the better chance you will have of cleaning up your credit.
BATES
There are so many people that don’t have good credit for various reasons. Most people know that in order to get some of the best credit cards and to buy things on credit, your credit score has to be good. One way that you can increase your credit score is to get credit repair help. There are credit repair services available that can help people who find themselves in that situation.
Credit repair can help those not only just to increase their credit score, but it will also assist them in getting lower interest rates on loans, credit cards, etc. A company that specializes in credit repair services can help with that. The process can be done through different entities or agencies that specialize in this.
You will find different companies and related entities on the internet that specialize in credit repair, but even with that you must be on your Ps and Qs. They should be checked out thoroughly to make sure that they are legitimate and reputable. Anyone can advertise online for credit repair services, but they are not necessarily the real deal.
Once you find a reputable credit repair company, they will work with you to get your credit scores where they need to be. Most if not all that offer credit repair services will charge a fee. It’s usually a onetime enrollment fee. The counselors will go over your credit report with you and determine what needs to be done. This service is not an overnight fix; it can take some time to get your credit where it should be and to increase your credit score.
Credit repair services companies that specialize in credit repair know the laws and they have to abide by them, just like everyone else. They work to remove items from your report that should not be there. In particular, any negative items that should not be there are some of the first to go. Your credit will remain the same if they are allowed to stay on your report.
A credit repair services company will engage in credit repair for the consumer where the credit bureaus may not bother to touch. They will work for the consumer to get them a higher credit score. The higher your score, the better chance you have of getting credit and loans.
Since it will take a while for the consumer to see results, they will need to be patient during the credit repair process. A credit repair services company will work to get the derogatory information from your credit report, but there is a matter of making correspondence to the credit bureaus for assistance. The bureaus are given 30 days to follow up. By then, they will need to show their findings of any inquiries and credit disputes.
You will also have to do your part by helping in the credit repair process. The only way a credit repair services company can help you is for you to provide them with the information that they need. The more information you provide to them, the better chance you will have of cleaning up your credit.
BATES
ehowfinance asked:
When an individual has various credit cards with amounts due and payable, it can be helpful for them to consolidate their loans into one payment. Prepare an appropriate financial planning statement when consolidating credit cards withhelp from a registered financial consultant in this free video on money management and financial advice. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of …
KISER
kapulit2003 asked:
There’s so many credit repair co. out there and I don’t know which have a good credentials or does it really work like they advertised?
KRUEGER
There’s so many credit repair co. out there and I don’t know which have a good credentials or does it really work like they advertised?
KRUEGER
Steve Evans asked:
et your free online Experian Credit Report at the FreeCreditReport web site when you sign up for a free trial of Triple AdvantageSM Credit Monitoring. Simply fill out your information for identification purposes, answer a few questions and your credit report will be available to you on-line, in no time at all, once your identity has been confirmed.
Your Username and Password will enable you to view your credit report on some of these services for 30 days over the Internet in the most secure environment that they can provide. You will also have access to an array of benefits located in services like – My Credit Center.
Getting your free Credit Report and Credit Score is the first step in knowing your credit. Monitoring your credit report allows you to stay on top of your credit on a daily basis.
You should do this to take the guesswork out of what/\’s happening with your credit.
Your credit is one of your most important assets. Having good credit means you should have more options to borrow money at the lowest cost and from the best lenders. It also means that others who look at your credit such as landlords, insurance companies, or even prospective employers re less likely to turn you away or penalize you because you have poor credit.
Your personal credit report contains such information as your name, current and previous addresses, phone number, Social Security number, date of birth, and current and previous employers. Your spouse/\’s name may appear on your version of the credit report, but it will not appear on the version that is provided to others. This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.
Creditreport.imess.net is worth a try. Many people say they have used it to monitor their credit and some have said that they also cleaned off some bad items from their credit report. You can apply for a free initial plan and get your scores and reports for free.
In all your thoughts about credit reporting do keep in mind there are 3 reporting agencies. If you keep track of when you pull each of the three then you can spread it out to one every 4 months. That would be ideal if you could do that.
Freecreditreport.com, Experian, Transunion, Equifax are all in it to make some money from providing these reports. So many people are asking where they can get a genuine free credit report without having to give up my credit card information and sign up for some monthly membership or a dumb “identity theft monitoring alert” service?
Unfortunately, in order to get your credit report a lot of the websites ask for your credit card information. They do that so when you sign up for a free trial if you don/\’t cancel within that time they can charge your account. Myfico.com is one of the best ones out there. I understand that users have reported that they signed up for there free 30 day trial and also cancelled it before the 30 days was up and indeed didn/\’t get charged anything.
What is a free credit report?
The answer lies in the last three words of your question and is self-explanatory. A free credit report is when a credit bureau provides an individual a copy of their credit report without a charge.
It/\’s exactly what it says it is. A free credit report.. in other words, you don/\’t have to pay for it.
Am I entitled for a free credit report?
I am not sure whether this is correct, but I have been told that residents of Colorado, Massachusetts, Maryland, New Jersey, and Vermont are entitled under state law to one free report per year from a credit reporting agency. If you are a resident of Georgia, you are even entitled to more reports at two each year.
This is very useful especially if you have been denied credit on the basis of information in a credit report.
Who is eligible?
I am not a legal expert but I did find a statement on the web that said that based on the Fair Credit Reporting Act, sections 612 (b), (c), and (d), you are entitled to one free credit report per year directly from a credit reporting agency only if you certify that you are unemployed and seeking employment in the next 60 days, you are receiving public assistance, or you believe there are inaccuracies in your report due to fraud or have been denied credit because of information on your credit report. To get your free credit report, go directly to a credit reporting bureau and have proof of the criteria that entitles you to receive your free credit report.
Information here should not be construed as advice and it is offered without legal responsibility or liability. It must be emphasised that you should consult a professionally qualified individual or company (such as an accountant, financial adviser or solicitor for example) should you need advice on your financial situation, as they will be able to tailor their advice to your situation accordingly.
WHITLOCK
et your free online Experian Credit Report at the FreeCreditReport web site when you sign up for a free trial of Triple AdvantageSM Credit Monitoring. Simply fill out your information for identification purposes, answer a few questions and your credit report will be available to you on-line, in no time at all, once your identity has been confirmed.
Your Username and Password will enable you to view your credit report on some of these services for 30 days over the Internet in the most secure environment that they can provide. You will also have access to an array of benefits located in services like – My Credit Center.
Getting your free Credit Report and Credit Score is the first step in knowing your credit. Monitoring your credit report allows you to stay on top of your credit on a daily basis.
You should do this to take the guesswork out of what/\’s happening with your credit.
Your credit is one of your most important assets. Having good credit means you should have more options to borrow money at the lowest cost and from the best lenders. It also means that others who look at your credit such as landlords, insurance companies, or even prospective employers re less likely to turn you away or penalize you because you have poor credit.
Your personal credit report contains such information as your name, current and previous addresses, phone number, Social Security number, date of birth, and current and previous employers. Your spouse/\’s name may appear on your version of the credit report, but it will not appear on the version that is provided to others. This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.
Creditreport.imess.net is worth a try. Many people say they have used it to monitor their credit and some have said that they also cleaned off some bad items from their credit report. You can apply for a free initial plan and get your scores and reports for free.
In all your thoughts about credit reporting do keep in mind there are 3 reporting agencies. If you keep track of when you pull each of the three then you can spread it out to one every 4 months. That would be ideal if you could do that.
Freecreditreport.com, Experian, Transunion, Equifax are all in it to make some money from providing these reports. So many people are asking where they can get a genuine free credit report without having to give up my credit card information and sign up for some monthly membership or a dumb “identity theft monitoring alert” service?
Unfortunately, in order to get your credit report a lot of the websites ask for your credit card information. They do that so when you sign up for a free trial if you don/\’t cancel within that time they can charge your account. Myfico.com is one of the best ones out there. I understand that users have reported that they signed up for there free 30 day trial and also cancelled it before the 30 days was up and indeed didn/\’t get charged anything.
What is a free credit report?
The answer lies in the last three words of your question and is self-explanatory. A free credit report is when a credit bureau provides an individual a copy of their credit report without a charge.
It/\’s exactly what it says it is. A free credit report.. in other words, you don/\’t have to pay for it.
Am I entitled for a free credit report?
I am not sure whether this is correct, but I have been told that residents of Colorado, Massachusetts, Maryland, New Jersey, and Vermont are entitled under state law to one free report per year from a credit reporting agency. If you are a resident of Georgia, you are even entitled to more reports at two each year.
This is very useful especially if you have been denied credit on the basis of information in a credit report.
Who is eligible?
I am not a legal expert but I did find a statement on the web that said that based on the Fair Credit Reporting Act, sections 612 (b), (c), and (d), you are entitled to one free credit report per year directly from a credit reporting agency only if you certify that you are unemployed and seeking employment in the next 60 days, you are receiving public assistance, or you believe there are inaccuracies in your report due to fraud or have been denied credit because of information on your credit report. To get your free credit report, go directly to a credit reporting bureau and have proof of the criteria that entitles you to receive your free credit report.
Information here should not be construed as advice and it is offered without legal responsibility or liability. It must be emphasised that you should consult a professionally qualified individual or company (such as an accountant, financial adviser or solicitor for example) should you need advice on your financial situation, as they will be able to tailor their advice to your situation accordingly.
WHITLOCK
bigcouchpotato asked:
The singing pirates are back, and forced to drive a real junker due to bad credit. If he would have used freecreditreport.com then he would have known his credit was bad and wouldn’t have been so disappointed at the dealership.
DOWDY
Daniel Major asked:
Credit Card Consolidation in California; is, as with many other states, a popular method of gaining control of runaway credit card debt. There are many non-profit, banking, consultancy and government services available in California that help with providing consolidation, most of which provide an excellent service for reducing debt and resolving debt issues relating to credit cards.
All these financial services basically operate in the same way, and operate as middle men between the credit card companies and the client. They will assess your situation with regards to what you can comfortably afford to repay, comparing each pay back date, fees, APR and monthly repayments for each creditor.
Debt consolidation information and the processes concerned are pretty much standard across the industry; a debt counselor will gather all your information as previously mentioned and contact all your creditors advising them that they will be acting on your behalf. They will then gather all relevant information regarding surplus charges (late payment fees, taxes etc) and will then prepare a payment plan.
Before any debt restructuring proposals are made to the creditors the counselor will go over the plan with you ensuring once again that any proposed payments are manageable.
Most creditors will accept revised repayment schedules as they see this method of debt arbitration as a positive method of ensuring they receive most if not all monies owed, occasionally though you will get the odd one that will be stubborn.
Credit card consolidation in California is no different to many other states in that the person or parties seeking consolidation is not permitted to apply for any additional credit during the process of debt consolidation.
Some of these service providers do require a fee for their services and their assistance in the management of your debt but when seeking credit card consolidation in California this fee will never exceed $20 a month by law, although, as already mentioned, there are services that are free to use. However, there is always the option to make these arrangements yourself: It is possible, and not as difficult as it is often made out to be but it can be stressful and it can take quite a bit of time.
It is always worthwhile checking out as many consolidation services as you feel is necessary in order to get the best deal and also to check out whether the service provider you are considering using is reputable or not. Unfortunately, there are quite a few service providers that are only interested in making money for themselves and you and your situation will not be as high as it should be in their order of priority.
So, in conclusion, for Credit card consolidation in California always ensure you deal with a reputable company that provides you with a method of repaying your debt comfortably and at a lower interest rate.
CREECH
Credit Card Consolidation in California; is, as with many other states, a popular method of gaining control of runaway credit card debt. There are many non-profit, banking, consultancy and government services available in California that help with providing consolidation, most of which provide an excellent service for reducing debt and resolving debt issues relating to credit cards.
All these financial services basically operate in the same way, and operate as middle men between the credit card companies and the client. They will assess your situation with regards to what you can comfortably afford to repay, comparing each pay back date, fees, APR and monthly repayments for each creditor.
Debt consolidation information and the processes concerned are pretty much standard across the industry; a debt counselor will gather all your information as previously mentioned and contact all your creditors advising them that they will be acting on your behalf. They will then gather all relevant information regarding surplus charges (late payment fees, taxes etc) and will then prepare a payment plan.
Before any debt restructuring proposals are made to the creditors the counselor will go over the plan with you ensuring once again that any proposed payments are manageable.
Most creditors will accept revised repayment schedules as they see this method of debt arbitration as a positive method of ensuring they receive most if not all monies owed, occasionally though you will get the odd one that will be stubborn.
Credit card consolidation in California is no different to many other states in that the person or parties seeking consolidation is not permitted to apply for any additional credit during the process of debt consolidation.
Some of these service providers do require a fee for their services and their assistance in the management of your debt but when seeking credit card consolidation in California this fee will never exceed $20 a month by law, although, as already mentioned, there are services that are free to use. However, there is always the option to make these arrangements yourself: It is possible, and not as difficult as it is often made out to be but it can be stressful and it can take quite a bit of time.
It is always worthwhile checking out as many consolidation services as you feel is necessary in order to get the best deal and also to check out whether the service provider you are considering using is reputable or not. Unfortunately, there are quite a few service providers that are only interested in making money for themselves and you and your situation will not be as high as it should be in their order of priority.
So, in conclusion, for Credit card consolidation in California always ensure you deal with a reputable company that provides you with a method of repaying your debt comfortably and at a lower interest rate.
CREECH
Zion B asked:
What does a credit repair business really mean?
PAUL
What does a credit repair business really mean?
PAUL
