I know my credit is messed up, but not how bad. I need to get a free credit report to be able to start fixing this. i would like to get it over the internet, so as to make it as fast as possible. however, ever sight i have been to requires current credit card info, for which i don't have. is it therefore, possible to order a free credit report over the internet?
Is it possible to order a free credit report %26amp; not have a current credit card?
Did you know that you can usually find a local credit beaurea office in most medium and larger towns and cities. Check your phone book and look them up. IF not, contact each of the three credit beaureaus directly. Each of them has a 1-800 phone number and a fax number. You can arrange with them to E-mail, fax or snail mail it to you. These are the safest ways to get your information and keep prying eyes out or your business. The online companies that you can use will keep a copy of your credit report. Once they have it, you have NO WAY OF KNOWING what they do with your information. IF you read the FINE PRINT of their privacy statements, you will usually find that you give them the right to review it and share it with their associates. YOU WILL NEVER, EVER know who their associates (third parties) are and will not be able to control access to your report once they have it in hand.
I hope this helps.
www.experian.com
To get your credit report:
https://experian.experiandirect.com/trip...
www.equifax.com
www.transunion.com
Reply:www.annualcreditreport.com is free for all three credit reports and you can monitor it for 30 days free and print for free. You have to wait a year to get another free one from the site. The new laws require that you have access to your credit report for free once a year and so this website was set up to meet that law. This is the granddaddy of all credit reporting websites. The others trick you into paying something.
Reply:AnnualCreditReport.com is the only government approved website to receive your free credit reports.
You don't need a credit card nor are you required to register for credit monitoring services.
Just answer a few questions and...voilà! Your reports are ready to view and print.
Under the FACT Act, you're allowed one free report per bureau, once every 12 months.
You can spread 'em out or get 'em all at once.
Reply:Freecreditreport.com is the first place you can go to obtain your report. You don't have to have any credit cards, outstanding loans etc. You are by law allowed one free credit report, (basic version) issued to you a) annually, or b) if you have applied for credit in some way or another within the past 60 days and have been denied. If you have applied for credit and have been denied then you will have a letter come in the mail. It will have the toll-free number of the credit bureau that gave the applied creditor your report. All you have to do then is call the number and submit your Social Security Number and it will be mailed to you. I suggest though going to Equifax.com. You can purchase a credit report with a debit card for around $11. It's very thorough. I do it every 6 months. It will tell you what your score is, and what factors are preventing you from getting the purchasing power you desire, as well as collections reports, and the address and phone numbers of those agencies, all prior addresses, and past credit history. Good luck to you in your search.
Reply:The easiest way to get a free credit report is to sign up for a new credit card! Sign up for a card that you know you will get turned down for, or ask for a limit increase you know you won't get. The issuer will deny you, but, they are required by law to tell you that you've been denied and that you are entitled to a copy of the credit report they used to determine your status. Send them a response telling them you want that free copy, and there you go!
Reply:Try annualcreditreport.com
You'll get all three credit bureau's files for free once a year. It's required for them to provide.
Alternatively you can write them each and ask for your annual credit report, but visiting the site is best.
Reply:Here is an excellent site with some wonderful options 4 U. Check it out……..
http://lnk.in/5732
floral shops
Wednesday, March 17, 2010
How can one have repossession erased from their credit report?
My friend's car was repossessed last month but, she was able to get the car back. It still shows on her credit report. What can she do to have it erased or removed?
How can one have repossession erased from their credit report?
The only way an item can be removed from your credit report is if the creditor deletes it, or if they fail to verify the debt upon a dispute to the credit agency.
You say you got the car back? Then the report does need to be updated. File a dispute with the agency, and if you are lucky they won't respond to it. If they do, at least it will be updated.
Reply:Items are never erased or removed, they only expire with time.
If this is the only negative thing on her credit report she should not worry. She should only be concerned if it appears that
a pattern of bad debt is forming.
Reply:Was she able to get it back because she paid the late payments? If so, it is reporting accurately since it was repossessed. If they repossessed by mistake, she can dispute it on her credit report. She can try to dispute it anyway, even if it was repossessed properly. The creditor might not verify the repossession. (They probably will however.)
Reply:ooops...there ain't much she can do..you might try to dispute and hope they don't answer..but she might have to wait 7 years
Reply:There is no way. You can try to work out something with the people she owed the money to, but don't count on their cooperation. From now on tell your friend to pay her bills on time. Good credit is a very valuable thing.
Reply:It can't be erased but the status of the account should be updated. Challenge it on it report. This will remove it for a short period of time in order for the company to investigate the dispute.
How can one have repossession erased from their credit report?
The only way an item can be removed from your credit report is if the creditor deletes it, or if they fail to verify the debt upon a dispute to the credit agency.
You say you got the car back? Then the report does need to be updated. File a dispute with the agency, and if you are lucky they won't respond to it. If they do, at least it will be updated.
Reply:Items are never erased or removed, they only expire with time.
If this is the only negative thing on her credit report she should not worry. She should only be concerned if it appears that
a pattern of bad debt is forming.
Reply:Was she able to get it back because she paid the late payments? If so, it is reporting accurately since it was repossessed. If they repossessed by mistake, she can dispute it on her credit report. She can try to dispute it anyway, even if it was repossessed properly. The creditor might not verify the repossession. (They probably will however.)
Reply:ooops...there ain't much she can do..you might try to dispute and hope they don't answer..but she might have to wait 7 years
Reply:There is no way. You can try to work out something with the people she owed the money to, but don't count on their cooperation. From now on tell your friend to pay her bills on time. Good credit is a very valuable thing.
Reply:It can't be erased but the status of the account should be updated. Challenge it on it report. This will remove it for a short period of time in order for the company to investigate the dispute.
I have not been able to check my credit report Is this mean im doing good?
So i havent checked my credit report or nothing since i turned 18 in May of 2007..(DUH) and I got approved for a Chase Freedom awhile back and today got approved for a Capital One card does that indicate good history starting to establish?
I have not been able to check my credit report Is this mean im doing good?
that does mean good news, but your credit is still considered baby credit. You dont have alot established. treat this new credit like gold!! Dont open too many accounts because that can make you look like you have too many obligations, and then when you really need that credit for something you really want, you could be turned down. this is advise i wish i took more seriously in my younger years.
Reply:Yes but everyone has access to a free credit report once a year from all 3 reporting agencies , just go to annualcreditreport.com, It is also recommended that since you can only get one from each once a year that you spread them out at about 4 months between each. Also note that your score is not free and that there will be an additional charge for that info , but under $ 10.00 for each. If you have a credit card with WAMU they give you unlimited access to your FICO score through the web.
Reply:I will also recommend that you go to myannualcreditreport.com as it is a website available for anyone that wishes to check their credit history %26amp; at least you'll know if it agrees w/the activities %26amp; creditors you've accepted credit from. One piece of advice, don't accept all the offers you get on the mail as it'll show you're anxious to get credit cards %26amp; don't saturate them w/balances as it'll lower your credit score %26amp; it takes years sometime to bring it up high enough to qualify for a decent loan. Take it slowly but surely!
Reply:Pull your credit report and check it.
As to the credit cards, don't run up a balance. Only charge what you can afford to pay in full each month. Save on the interest and stay out of debt.
And don't loan your credit cards to anyone.
Reply:not necessarily, they give credit to anyone (like me lol) but depending on much they give may reflect how good ur credit is
Reply:Obtaining the card itself usually is a good sign however; you should never allow your credit report to go too long without attention. This would be especially true for those with common names or actively treat with doctors.
I would order an abstract in about 6 months or so to view the progress of your credit report. It took over 4 months for Capital One to place an account on my report.
Reply:No,it doesn't mean your doing well.If you should receive a rejection notice on a credit application,you can send a copy of that letter to the credit bureau , and they must give you a copy of your credit report.If you want to check it out right away,you can go to your bank and they will pull up all three credit bureaus for you.
Reply:If you just turned 18 why do you need all these credit cards? You are setting yourself up for a huge fall here.
Be smart!!
www.daveramsey.com
Reply:Not at all.
Credit card companies saw that you turned 18 and they started bombarding you with credit card forms.
I have not been able to check my credit report Is this mean im doing good?
that does mean good news, but your credit is still considered baby credit. You dont have alot established. treat this new credit like gold!! Dont open too many accounts because that can make you look like you have too many obligations, and then when you really need that credit for something you really want, you could be turned down. this is advise i wish i took more seriously in my younger years.
Reply:Yes but everyone has access to a free credit report once a year from all 3 reporting agencies , just go to annualcreditreport.com, It is also recommended that since you can only get one from each once a year that you spread them out at about 4 months between each. Also note that your score is not free and that there will be an additional charge for that info , but under $ 10.00 for each. If you have a credit card with WAMU they give you unlimited access to your FICO score through the web.
Reply:I will also recommend that you go to myannualcreditreport.com as it is a website available for anyone that wishes to check their credit history %26amp; at least you'll know if it agrees w/the activities %26amp; creditors you've accepted credit from. One piece of advice, don't accept all the offers you get on the mail as it'll show you're anxious to get credit cards %26amp; don't saturate them w/balances as it'll lower your credit score %26amp; it takes years sometime to bring it up high enough to qualify for a decent loan. Take it slowly but surely!
Reply:Pull your credit report and check it.
As to the credit cards, don't run up a balance. Only charge what you can afford to pay in full each month. Save on the interest and stay out of debt.
And don't loan your credit cards to anyone.
Reply:not necessarily, they give credit to anyone (like me lol) but depending on much they give may reflect how good ur credit is
Reply:Obtaining the card itself usually is a good sign however; you should never allow your credit report to go too long without attention. This would be especially true for those with common names or actively treat with doctors.
I would order an abstract in about 6 months or so to view the progress of your credit report. It took over 4 months for Capital One to place an account on my report.
Reply:No,it doesn't mean your doing well.If you should receive a rejection notice on a credit application,you can send a copy of that letter to the credit bureau , and they must give you a copy of your credit report.If you want to check it out right away,you can go to your bank and they will pull up all three credit bureaus for you.
Reply:If you just turned 18 why do you need all these credit cards? You are setting yourself up for a huge fall here.
Be smart!!
www.daveramsey.com
Reply:Not at all.
Credit card companies saw that you turned 18 and they started bombarding you with credit card forms.
Where can I get free a credit report?
I want to check my credit report for free and I don't want to put my credit card information. Does anyone know a good site?
Where can I get free a credit report?
FREE CREDIT REPORT DOT COM!
The song is really catchy...
rate me best answer! =P
Reply:experian . not sure if its write spelling . . .
Reply:Wow... I don't think I've ever seen so many incorrect answers in one place.
The right website to use is www.annualcreditreport.com. That's the official website provided by the 3 credit bureaus, as mandated by the U.S. government.
Freecreditreport.com requires you to sign up for a service, which you have to pay for after a short trial period. In other words, it's NOT free.
Reply:by law the credit bureaus are all supposed to give you one free report each year if you ask them. contact them directly or through annualcreditreport.com. all the other so-called free sites are scams. yes, even freecreditreport.com. they rope you in then try to sell credit monitoring services.
Reply:freecreditreport.com
it's always on the TV
Reply:there is no such thing as a free credit report. even at freecreditreport.com u need to enroll in triple advantage for like a year before u can get ur free credit report. and im also pretty sure u need to put ur credit information if u want to get a credit report. so yea...
Reply:There are 3 major credit companies. You call these to call if you think you have fraud on you. You can get a free report 1 time a year form them.
1. Experian 800-583-4080
2. transunion
3. Equifax 888-873-5420
call and get one from each place.
IF YOU GO TO FREECREDITREPORT.COM, there is a fee.
Reply:I can see you already have your answer
www.freecreditreport.com
Reply:freecreditreport.com
You'lll probably need to go to all the bureas and request 1 from each othe big 3. You get 1 free a year.
Reply:WELL I WAS SHOPPING FOR A NEW CAR
WHICH ONE'S ME?
A COOL CONVERTABLE
OR AN S-U-V
TO BAD I DIDN'T KNOW MY CREDIT WAS WACK
CUZ NOW I'M DRIVING OFF THE LOT IN A USED UP COMPACT
F-R-E-E THAT SPELLS FREE
CREDIT REPORT DOT COM BABY!
SAW THEIR ADDS ON MY TV
THOUGHT ABOUT GOING BUT WAS TOO LAZY
NOW INSTEAD OF LOOKIN FLYING ROLLING FAT
MY LEGS ARE STICKING TO THE VINAL
AND MY POSSY'S GETTING LAUGHED AT
F-R-E-E THAT SPELLS FREE
CREDIT REPORT DOT COM BABY!
Reply:Get a Washington Mutual credit card, and see your Transunion score for free on wamucards.com!
Reply:freecredit,com
Reply:I only saw a few list http://www.annualcreditreport.com
freecreditreport.com is NOT FREE. Annual is though, one free per year from all three major bureau's.
Reply:freecreditreport.com
Reply:pretty much any site that you go to, you are going to have to put in certain information, like credit card numbers, social security numbers, drivers licence numbers, etc.
You can get your credit report at the bank if you dont like doing it on the internet
Reply:https://www.annualcreditreport.com/cra/i...
free credit report.com is not free. annualcreditreport.com is free.
Reply:I just got one from freecreditreport.com a few weeks ago. Make sure to read if you get one and they ask for your credit card, a lot of them give you a trial membership and you need to cancel it or they'll charge you.
Reply:annualcreditreport.com
You get one free each year.
Reply:www.freecreditreport.com
Reply:freecreditreport.com
woo!
that song is catchy.
Reply:FREECREDITREPORT.COM
Reply:free credit report dot com
Reply:Go to each site(equifax, transunion, %26amp; experian) and there should be a link to access your free credit report online. However, I had to send off for my transunsion. All were free though.
Reply:freecreditreport.com
Where can I get free a credit report?
FREE CREDIT REPORT DOT COM!
The song is really catchy...
rate me best answer! =P
Reply:experian . not sure if its write spelling . . .
Reply:Wow... I don't think I've ever seen so many incorrect answers in one place.
The right website to use is www.annualcreditreport.com. That's the official website provided by the 3 credit bureaus, as mandated by the U.S. government.
Freecreditreport.com requires you to sign up for a service, which you have to pay for after a short trial period. In other words, it's NOT free.
Reply:by law the credit bureaus are all supposed to give you one free report each year if you ask them. contact them directly or through annualcreditreport.com. all the other so-called free sites are scams. yes, even freecreditreport.com. they rope you in then try to sell credit monitoring services.
Reply:freecreditreport.com
it's always on the TV
Reply:there is no such thing as a free credit report. even at freecreditreport.com u need to enroll in triple advantage for like a year before u can get ur free credit report. and im also pretty sure u need to put ur credit information if u want to get a credit report. so yea...
Reply:There are 3 major credit companies. You call these to call if you think you have fraud on you. You can get a free report 1 time a year form them.
1. Experian 800-583-4080
2. transunion
3. Equifax 888-873-5420
call and get one from each place.
IF YOU GO TO FREECREDITREPORT.COM, there is a fee.
Reply:I can see you already have your answer
www.freecreditreport.com
Reply:freecreditreport.com
You'lll probably need to go to all the bureas and request 1 from each othe big 3. You get 1 free a year.
Reply:WELL I WAS SHOPPING FOR A NEW CAR
WHICH ONE'S ME?
A COOL CONVERTABLE
OR AN S-U-V
TO BAD I DIDN'T KNOW MY CREDIT WAS WACK
CUZ NOW I'M DRIVING OFF THE LOT IN A USED UP COMPACT
F-R-E-E THAT SPELLS FREE
CREDIT REPORT DOT COM BABY!
SAW THEIR ADDS ON MY TV
THOUGHT ABOUT GOING BUT WAS TOO LAZY
NOW INSTEAD OF LOOKIN FLYING ROLLING FAT
MY LEGS ARE STICKING TO THE VINAL
AND MY POSSY'S GETTING LAUGHED AT
F-R-E-E THAT SPELLS FREE
CREDIT REPORT DOT COM BABY!
Reply:Get a Washington Mutual credit card, and see your Transunion score for free on wamucards.com!
Reply:freecredit,com
Reply:I only saw a few list http://www.annualcreditreport.com
freecreditreport.com is NOT FREE. Annual is though, one free per year from all three major bureau's.
Reply:freecreditreport.com
Reply:pretty much any site that you go to, you are going to have to put in certain information, like credit card numbers, social security numbers, drivers licence numbers, etc.
You can get your credit report at the bank if you dont like doing it on the internet
Reply:https://www.annualcreditreport.com/cra/i...
free credit report.com is not free. annualcreditreport.com is free.
Reply:I just got one from freecreditreport.com a few weeks ago. Make sure to read if you get one and they ask for your credit card, a lot of them give you a trial membership and you need to cancel it or they'll charge you.
Reply:annualcreditreport.com
You get one free each year.
Reply:www.freecreditreport.com
Reply:freecreditreport.com
woo!
that song is catchy.
Reply:FREECREDITREPORT.COM
Reply:free credit report dot com
Reply:Go to each site(equifax, transunion, %26amp; experian) and there should be a link to access your free credit report online. However, I had to send off for my transunsion. All were free though.
Reply:freecreditreport.com
How do you get debt info off your credit report to pay it off?
I'm trying to clean up my credit but there are things on my report that i have no clue about...I'm sure they belong to me but I'm not sure how to contact the company that i owe in order to pay them. Some of them don't even specify which company they are and none of them have an address or phone number...???
How do you get debt info off your credit report to pay it off?
Heres the way to do it.
Print your credit report, make copies.
Go buy some stamps.
Identify anything that looks fishy or innacurate...
Send a letter to each bereau asking them to remove this innacurate information or to provide you with the correct information.
They have 30 days to do this or they have to delete it.
Sometimes they can verify the debt and do this and sometimes they cant do it and they have to delete it.
BUT BE CAREFUL!
If you have any old debts on there that are in collections, having the CR agent try and verify this will wake a sleeping monster, hope this helps.
Reply:visit dave ramsey.com to learn some lessons.
contact the .gov site to look for credit laws.
contact local'free' legal for info about credit laws.
Reply:Yes, the collection agencies may not know where you live, but if you contact the bureau to get addresses, the bureau will share your information with the collection agency as part of the debt verification process.
You may still legally owe this debt, but you are opening a Pandora's box!
Yellow light {proceed with caution}.
Reply:Do not contact companies there are legal ways to re-establish your credit and possibly not have to pay those old accounts. Invest in a professional credit program you wont regret it www.ncnlcorp.com
Reply:Okay go to the beat 94.5 AND BEAT UR BILLS!!!!
TRUST ME I DID IT AND I WON 2000 OFF MY NEW COMP!!
How do you get debt info off your credit report to pay it off?
Heres the way to do it.
Print your credit report, make copies.
Go buy some stamps.
Identify anything that looks fishy or innacurate...
Send a letter to each bereau asking them to remove this innacurate information or to provide you with the correct information.
They have 30 days to do this or they have to delete it.
Sometimes they can verify the debt and do this and sometimes they cant do it and they have to delete it.
BUT BE CAREFUL!
If you have any old debts on there that are in collections, having the CR agent try and verify this will wake a sleeping monster, hope this helps.
Reply:visit dave ramsey.com to learn some lessons.
contact the .gov site to look for credit laws.
contact local'free' legal for info about credit laws.
Reply:Yes, the collection agencies may not know where you live, but if you contact the bureau to get addresses, the bureau will share your information with the collection agency as part of the debt verification process.
You may still legally owe this debt, but you are opening a Pandora's box!
Yellow light {proceed with caution}.
Reply:Do not contact companies there are legal ways to re-establish your credit and possibly not have to pay those old accounts. Invest in a professional credit program you wont regret it www.ncnlcorp.com
Reply:Okay go to the beat 94.5 AND BEAT UR BILLS!!!!
TRUST ME I DID IT AND I WON 2000 OFF MY NEW COMP!!
May crdit report charge-offs be disputed and remove from a credit report before 7 years?
I have several Charge-offs on my credit report. May they be removed after several years?
May crdit report charge-offs be disputed and remove from a credit report before 7 years?
yes if you do dispute them it will be removed from your report within a week. but if you dont do anything the charge off accounts will remain on your report for 7+years.
Reply:You can dispute them if they are errors. If they are legit, the only way to get them removed early would be to get the creditor to delete for payment.
Reply:You can dispute anything on your credit report at any time. Just because you file a dispute, though, doesn't mean the charge-offs will be removed from your credit report. The credit bureaus will contact the creditors, who will then have to prove that the debt is valid. If it is a valid debt, the charge-off will remain on your credit report. If it is a mistake, or if the creditor doesn't respond in the allowed amount of time, it will be removed.
Reply:That hapened 1000's of years ago...
Reply:how can you dispute them if they are real? You had your chance to take care of them before they reached that point.
Reply:Yes if disbuted. Most companies will not fight a disbute do to the cost and effort involved.
Reply:read creditinfocenter com
Reply:if you dispute your charges they will invistigate if they exist or not so pretty much if they are real they will stay there until you pay theme even after many years
Reply:Yes, if they are mistakes. Sounds like they are not though.
Reply:You may dispute anything BUT ,
Only information that is false will be removed .
If you demonstrate it was NOT your debt , for example ,
They will remove it .
Otherwise , valid info stays for 7 years from the date of the last activity .
%26gt;
May crdit report charge-offs be disputed and remove from a credit report before 7 years?
yes if you do dispute them it will be removed from your report within a week. but if you dont do anything the charge off accounts will remain on your report for 7+years.
Reply:You can dispute them if they are errors. If they are legit, the only way to get them removed early would be to get the creditor to delete for payment.
Reply:You can dispute anything on your credit report at any time. Just because you file a dispute, though, doesn't mean the charge-offs will be removed from your credit report. The credit bureaus will contact the creditors, who will then have to prove that the debt is valid. If it is a valid debt, the charge-off will remain on your credit report. If it is a mistake, or if the creditor doesn't respond in the allowed amount of time, it will be removed.
Reply:That hapened 1000's of years ago...
Reply:how can you dispute them if they are real? You had your chance to take care of them before they reached that point.
Reply:Yes if disbuted. Most companies will not fight a disbute do to the cost and effort involved.
Reply:read creditinfocenter com
Reply:if you dispute your charges they will invistigate if they exist or not so pretty much if they are real they will stay there until you pay theme even after many years
Reply:Yes, if they are mistakes. Sounds like they are not though.
Reply:You may dispute anything BUT ,
Only information that is false will be removed .
If you demonstrate it was NOT your debt , for example ,
They will remove it .
Otherwise , valid info stays for 7 years from the date of the last activity .
%26gt;
What is the best way to make a business owner realize how important their business credit report is?
what is the best way to make a business owner realize how important it is, to establish their business credit report with dun %26amp; bradstreet (even though they have to pay a few hundred bucks for thevalidation) even if they do not intend to use it for credit purposes?
everyone thinks that they can use their personal credit for their business, and feel that no one cares about d%26amp;b is this true?
What is the best way to make a business owner realize how important their business credit report is?
The reality is that for a small business to medium sized business owner who does not have need for outside financing or already has that financing relationship in place, they have little need to be listed on d%26amp;b.
Also most privately held companies do not want to put out to the public the information that d%26amp;b typically asks for. I worked for a privately held German company that did over $100,000,000 a year in sales and did not list with d%26amp;b or give out any financial infromation for any reason. Any vendor that requested financial information was simply told we do not give that out.
I currently work for the owner of a privately held company who wishes he had never listed with d%26amp;b.
You asked what the best way is to make business owners want to go with d%26amp;b, well you have to get past the issues above.
tanning
everyone thinks that they can use their personal credit for their business, and feel that no one cares about d%26amp;b is this true?
What is the best way to make a business owner realize how important their business credit report is?
The reality is that for a small business to medium sized business owner who does not have need for outside financing or already has that financing relationship in place, they have little need to be listed on d%26amp;b.
Also most privately held companies do not want to put out to the public the information that d%26amp;b typically asks for. I worked for a privately held German company that did over $100,000,000 a year in sales and did not list with d%26amp;b or give out any financial infromation for any reason. Any vendor that requested financial information was simply told we do not give that out.
I currently work for the owner of a privately held company who wishes he had never listed with d%26amp;b.
You asked what the best way is to make business owners want to go with d%26amp;b, well you have to get past the issues above.
tanning
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