credit & check

How well do credit unions check your insurance binders after your policy renews?

2009-08-09T05:28:00.001-07:00

what if i didnt want to pay for my insurance except liability what could they do seize the car? i want to take a loan for this car but i wnat to know who ckecks up on insurance you only give them a binder once.

How well do credit unions check your insurance binders after your policy renews?

very often

How well do credit unions check your insurance binders after your policy renews?

by .coms

How well do credit unions check your insurance binders after your policy renews?

Upon cancellation of a policy, it is the insurance company that notifies the lender. I have seen people fall through the cracks and got away with it. I also have seen people with a financial liability and nothing to show for it, once the vehicle was totaled. Those people in most case could not get another loan because of the lack of insurance and/or debt to income. I strongly advise that you reconsider the position you have taken. Remember upon signing the loan, you agreed to the terms and conditions of that loan. If you are not willing to honor this agreement and you have the vehicle reposed, why would any lender want to do buss. with you. Good Luck

I applied for a chase credit card. it came with a blank check why?

2009-08-09T05:28:00.000-07:00

i have a 300 line of credit and cash access line of 60 bucks.

on top of the check it says %26quot;use the check attached below to access your available credit%26quot; what? i use the check not the card?

I applied for a chase credit card. it came with a blank check why?

They want you to be indebted to them for life so they can make money off the interest charges and fees on your account. Credit cards should only be used for emergency situations.( NO,BLOWING ALL YOUR FUNDS to go out and get a PS3 or WI doesn%26#039;t qualify as an emergency )

I applied for a chase credit card. it came with a blank check why?

You can write a check and it will come out of your credit card. Usually with a nice, hefty fee attatched. It%26#039;ll probably be cheaper just to use the card straight. Cash Advances also come at a higher APR (and that %26#039;check%26#039; is really a cash advance.)

Repeat after me:

Credit card companies are not my friend.

Anytime it seems like they%26#039;re doing you a favor -- particularly if they -tell- you they%26#039;re doing you a favor -- and you haven%26#039;t asked for one -- look for the hidden fees.

I applied for a chase credit card. it came with a blank check why?

they want you to use the check, it count as a cash withdrawl against the credit card. Higher int rate for payback.

I applied for a chase credit card. it came with a blank check why?

Warning..warning...warning.. Will Robinson!

My advice.... tear it off and burn it!!

It usually called Super Checks.

The amount you write and spend using this checks will come out from your credit card limits but with hefty percentage rate. It is similar to getting cash out of your credit cards. Check your cash out rate with Chase and you%26#039;ll see you%26#039;ll be paying at least 20%-30% than your regular credit card charges.

It%26#039;s a ploy and lure you to cash out and spend with hefty rate.

I applied for a chase credit card. it came with a blank check why?

The check is to transfer money to this credit card

--------------------------------------...

http://www.bestcreditrates.net

Mater card credit. how can i check my credit card expiration date and how much money is in it on-lin

2009-08-09T05:27:00.003-07:00

i have gon to the master cards web site but i didnt know how to check

Mater card credit. how can i check my credit card expiration date and how much money is in it on-line??????

The expiration date is on the credit card. You need to sign up for credit card servicing at the bank%26#039;s website that issued the credit card. After you sign up..you have 24/7 access to you account.

How can you check your credit score without typing in a credit card number?

2009-08-09T05:27:00.002-07:00

I went on www.freecreditreport.com and they require you type in a valid credit card number. Is there ever a company that allows you to see your credit report without a need to type in a credit card?

How can you check your credit score without typing in a credit card number?

You can get a free report annually from www.annualcreditreport.com This is a report only. You will need to pay for a credit score. The only true credit scores which mortgage companies and credit card companies use are pulled from www.myfico.com Other scores sold on the agency%26#039;s websites are just estimated scores called fako%26#039;s.

How can you check your credit score without typing in a credit card number?

https://www.annualcreditreport.com/cra/i...

I think this is the free one. You get one report per year

How can you check your credit score without typing in a credit card number?

free credit report.com

How can you check your credit score without typing in a credit card number?

dont do that they rip you off and they have many companies they use to charge your acct. everytime you use your card its a mess to get rid of and a lot of time

How can you check your credit score without typing in a credit card number?

Go to www.annualcreditreport.com

How to run a credit /backgound check on someone in New York?

2009-08-09T05:27:00.001-07:00

The same way you do in any other State, you get all of their personal information, enter it into the proper computer program and hit enter.

How to run a credit /backgound check on someone in New York?

you know what i heard you can find info from anyone if you look their name in the internet try typing their name on google and see what you can come up with

sorry if im not of much help but im not an expert in this matter

How important is your credit history in a background check?

2009-08-09T05:27:00.000-07:00

I%26#039;ve got a messed up credit history but I%26#039;m otherwise a tip top person, no bad criminal record or anything. My future employer is performing a background check on me and I%26#039;d like to get some answers in regards to have important of a factor do you think the credit history is when determining an otherwise perfect person for the job?

How important is your credit history in a background check?

Its quite important

How important is your credit history in a background check?

Congrats on the new job. Basically, a background check deals with law enforcement agencies. As long as you have no convictions you get the job.

Credit reports and background checks are not related in any way. Unless your employer specifically said that they are pulling your credit report there are no worries for you.

Even if he is pulling your credit report then you would probably have to have a bankruptcy to raise any eyebrows.

Just act very confident and you%26#039;ll probably get the job.

How important is your credit history in a background check?

If you are going into a financial position, then the credit report may be very important to the employer as it shows how responsible you may be. If most of the %26quot;messed up%26quot; history is older, I wouldn%26#039;t worry too much.. we all make mistakes when we%26#039;re %26quot;young and stupid%26quot; If the employer questions you on it, be honest....whether you ran upon hard times, you were just young, whatever the reason, if the employer sees you take responsibility now for then, it will definately give you more points...good luck!!!

How important is your credit history in a background check?

Hi,

Well. you call find all kinds of court, criminal, background at http://www.governmentrecords.co.nr/ , its really got a big database

Hope this helps

Since when do potential employers check your credit?....?

2009-08-09T05:26:00.003-07:00

I have been turned down for too many jobs because I have poor credit. When did this become the norm? Is is just Colorado or all over? I can%26#039;t understand why credit is now a factor. Should it really matter that I have poor credit for a job at Walmart, or a call center? I am highly experienced and qualify for all positions I apply for, and pass testing with flying colors if required. Its really depressing.

After I was turned down for the first 10 jobs or so because of %26quot;a negative consumer report%26quot;, I found out that the employer who denies you the job because of this reason is required to provide you a copy of the consumer report they used. I have not been successful in obtaining any of these from any of the jobs I applied for.

Does anyone have input on this issue or experienced similar problems? I know cleaning up my credit would help. But how can I do that if I don%26#039;t have the income because I can%26#039;t get a job because of my poor credit?

Since when do potential employers check your credit?....?

Credit checks for potential candidates is nothing new. It%26#039;s simply taken a while for it to %26quot;catch on%26quot; and not every employer requires credit checks.

The reasoning behind it, simplified, of course, is that anyone with credit issues may pose problems in the workplace. Examples: debt collectors may call you at work, financial problems (worries) can lead some employees to be distracted while at work, in a senstive position (one that deals directly with cash and/or information to people%26#039;s personal information) an employee may be %26quot;tempted%26quot; so the employer feels a need to minimize the risk.

It doesn%26#039;t immediately help you in your situation, but don%26#039;t take it personally if you are. Employers are trying to protect themselves and their customers. Unfortunately, some employers have learned the hard way because of the perverbial %26quot;few bad apples.%26quot;

As for employers being required to provide you with a copy of your credit report(s), it may be true now or in Colorado, but where I live, employers never had to supply you with that information--much like creditors don%26#039;t supply you with a copy of your credit report(s) if you denied a loan or even a rented apartment. Credit is the responsibility of the individual.

I would first recommend that you obtain your credit reports from the three major reporting bureaus: Experian, TransUnion and ...sorry, drawing a blank on the third. Understand that even if you had excellent credit, not all reporting is accurate, so it%26#039;s adviseable for all of us to review our credit reports. (Not everyone has to report to all of the credit bureaus, either, to make it even more difficult on the consumer!)

As for not being able to clean up your credit without having a job to begin the process is the same as graduates who can%26#039;t get a job because they don%26#039;t have experience but need experience to get a job! There is no pat answer to that question. It%26#039;s something we just must muddle through...and in the case of poor credit, you simply must use this as a learning experience--but try to keep up your hopes and your spirits. Easier said than done, I know, but somehow find a way.

Wouldn%26#039;t it be a hoot if you applied for a job (and got) at a debt counseling agency, claiming that because of your personal experience you are committed to learn and rise above--and help others do the same?

Best of luck. Wish I could help.

Since when do potential employers check your credit?....?

wow... that sucks! ive never heard of that happening before it could just be colorado but i have no idea i live in florida and credit checks arent a norm in the job hunting world.

Since when do potential employers check your credit?....?

unfortunately companies feel that if ur responsible to pay ur bills on time then that makes u a responsible person to work for them..good luck

Since when do potential employers check your credit?....?

It is common practice to check the credit report. However, they don%26#039;t give a hoot about your FICO score. They are looking at your ethics. Did you steal from a company (refuse to repay money spend/borrowed? That is the sort of thing they are looking at. If you are willing to rip off other businesses you are certainly ethically capable of ripping of an employeer.

Check your credit report, you should see the problem. Look at it unbiased, as if you would looking for docentation if a person was trustworthy or not.

Since when do potential employers check your credit?....?

Normally they only check for jobs that require trust like handling money or bookkeeping. I think it is more common now and will get even more common in the future. Some might let you explain what happened to cause you to get into debt and not pay what you owed on time. Generally it is a sign you aren%26#039;t careful with money or may be in trouble enough to steal someday. Most people old enough to hire people have been hurt by dead beat tenants, customers or clients and resent them as well as not respect people who don%26#039;t run their own life well.

Why do potential employers check your credit report?

2009-08-09T05:26:00.002-07:00

I applied for a really nifty data entry position through an agency that hires directly to this company. I did everything awesomely. I passed the test they make you take, and have the background.

But the thing that may potential stop me from getting this job is my (atleast what I think is) bad credit. I haven%26#039;t been able to keep up with my payments, mainly because I don%26#039;t have a job. So without a job, I can%26#039;t pay said bills that show up on a credit report. I am 2 months due on my car, and some of my credit cards are over their limit.

So my question is do they really care about debts or are they looking more for something like a deadbeat dad who hasn%26#039;t been paying child support?

This is a data entry job that pays $10 an hour, not a corporate expense account manager who gets his own company credit card or something like that. I really need to take care of my bills, and want to with this job. I just hope this doesn%26#039;t hold me from getting it.

Thanks!

Why do potential employers check your credit report?

They don%26#039;t want to employ a deadbeat. They don%26#039;t want your creditors calling and they don%26#039;t want to have to garnish your salary. Also, people who need money to pay their bills might be tempted to steal.

Why do potential employers check your credit report?

Credit checks are part of the overall background check that many employers use when hiring new people.

A credit check is routine if your new job involves direct contact

with cash, credit, or merchandise , if your going to be %26quot;bonded%26quot;,

or if the position requires some type of certification or license.

In addition, they want to be sure that there is no initial conflict

of interest between you and them. That means, that you

don%26#039;t owe them anything or are involved in some legal action

with them.

Many companies believe that if you hire people with known problems, like drugs, health issues, criminal records, debt..etc.,

that you are in fact hiring %26quot;problem%26quot; people.

Generally speaking, it is not an issue unless there are

discrepancies between your job application and resume that

you cannot account for.

Why do potential employers check your credit report?

They want to view your character and see what kind of a person you are. A dead beat...a responsible person and so on. I don%26#039;t think they should but unfortunally they do.

How do u check your credit without using a credit card?

2009-08-09T05:26:00.001-07:00

閳?please help cause when i go to freecredit report.com it asks for your credit card number where can u go without using your credit card #

How do u check your credit without using a credit card?

www.annualcreditreport.com

How do u check your credit without using a credit card?

annualcreditreport.com You can get your credit report free once a year

I want to check my credit score but all the web sites want my credit card info.?

2009-08-09T05:26:00.000-07:00

Is there anyway that I can get a truely free credit report?Without credit card information being required.

I want to check my credit score but all the web sites want my credit card info.?

Hi, first site down will explain what a Credit Report is:

http://credit-cards.ebookorama.com

more reading here http://finance.ebookorama.com

also plenty more to read here

http://credit.ebookorama.com

http://credit-repair.ebookorama.com

good luck!

I want to check my credit score but all the web sites want my credit card info.?

go to your local bank or the bank that issued you the credit card and ask them!

I want to check my credit score but all the web sites want my credit card info.?

freecreditreport.com

I want to check my credit score but all the web sites want my credit card info.?

Are you a friggin%26#039; idiot?

They need the credit card info to look up the credit on the card!

Try freecreditreport.com

I want to check my credit score but all the web sites want my credit card info.?

That%26#039;s the only way you%26#039;re going to find out what your credit score is. Freecreditreport.com is the best way to go. You have to become a member but you can cancel before 30 days and you won%26#039;t have to pay any membership fees.

I want to check my credit score but all the web sites want my credit card info.?

write to equifax they will give you a print out of your credit history free.

I want to check my credit score but all the web sites want my credit card info.?

You%26#039;re allowed to check your credit score free once a year, I think. Contact any of the big three credit reporting bureaus. Or it you are turned down for credit, and a credit bureau is listed as a source you can check you credit under those circumstances also.

I want to check my credit score but all the web sites want my credit card info.?

www.annualcreditreport.com

this is to get the free credit you are entitled to under federal law

I want to check my credit score but all the web sites want my credit card info.?

https://www.annualcreditreport.com/cra/i...

I want to check my credit score but all the web sites want my credit card info.?

Im always wary of these free services so I would personally go to the Experian web site and request it from there. I have done this in the past with no problem. I sent them a cheque for 鎷? for this service.

I want to check my credit score but all the web sites want my credit card info.?

You can get your credit REPORT free one time each year from each of the three reporting agencies at http://www.annualcreditreport.com

I want to check my credit score but all the web sites want my credit card info.?

You can get a free annual credit report, but it is just a report and doesn%26#039;t include your FICO Score, this is something that you have to pay for.

The idea behind the free credit report is so that you can check for instances of identity theft -- it is not offered to give you the FICO score, which is what a lot of people want.

I want to check my credit score but all the web sites want my credit card info.?

The only way is to pay

How do you check your credit history??

2009-08-09T05:25:00.002-07:00

it seems i have a bad credit rating, but im trying to get a loan / car finance because last week i had to have my car scrapped and i start a new job on thursday in the middle of nowhere! how do i find out what my credit score looks like, and if there is any chance of me getting rejected again and again? and does looking at quotes go on your credit rating? (e.g looking on money supermarket etc)

How do you check your credit history??

One time every year you can get a copy of your credit report from 3 reporting agencies. You should start by getting the reports to see what negative items there are. You generally have to pay to get your credit score, but some credit cards offer it free to their customers.

https://www.annualcreditreport.com/cra/i...

How do you check your credit history??

go to www.freeannualcreditreport.com and find out.

How do you check your credit history??

Go to www.annualcreditreport.com

You can see your reports for free, but it costs money for the score. And teh score is what will tell you if you can get a loan or not-- over 700 is excellent, over 600 and you%26#039;re doing okay, below and its %26quot;poor%26quot; so you%26#039;ll pay high interest rates or can%26#039;t get the loan.

Stop applying until you figure out what your score/report looks like, and know what you%26#039;re looking at before you walk into the dealership.

How do i check on my First Premier Bank Credit Card?

2009-08-09T05:25:00.001-07:00

I have a First Premier Bank Credit Card.

i like to check on my Acc. How will i do that.

please let me now Please......

Hoave a good 4 th. of July

My Name is: Patricia

How do i check on my First Premier Bank Credit Card?

Call the number 800 number on the back of the card. They also have a website you can visit and create a user account.

http://www.firstpremier.com/

Will a skating rink accept credit/debit/check cards?

2009-08-09T05:25:00.000-07:00

I%26#039;m weird. and nervous when it comes to this. I just recently started using my card in fast-food drive-thrus.

Ever since I went to get Chinese food at the mall and they didn%26#039;t accept my card, I got paranoid!

so anyways. I%26#039;m bout to go to a skating rink tonight with my friends, and I don%26#039;t feel like stopping by the ATM. Soo uh.. will they most likely accept cards? I tried looking online, but they don%26#039;t have a website.

I%26#039;M JUST BEING PRECAUTIOUS. I don%26#039;t wanna be turned down again like the chinese food place.....

Will a skating rink accept credit/debit/check cards?

Call them. Some places do and some do not. All depends on the owner and their preference. The movie theater where I live doesn%26#039;t accept them but our small, skating rink does so that goes to show you theres no telling anymore.

If someone gave you a credit card check as a gift, would you accept it by cashing it?

2009-08-09T05:24:00.003-07:00

I know people charge gifts all the time, it just seems odd that someone would give a gift like this. I received this and feel very uncomfortable about depositing it.

If someone gave you a credit card check as a gift, would you accept it by cashing it?

Nothing wrong with that. If they feel good giving it to you, why worry? Go ahead and deposit it.

If someone gave you a credit card check as a gift, would you accept it by cashing it?

whats wrong with disposing it. Just do it.

If someone gave you a credit card check as a gift, would you accept it by cashing it?

Hell yes I would cash it, Money is money, and it is a gift so you really should use it. It is a gift, so there is no reason to feel uncomfortable.

If someone gave you a credit card check as a gift, would you accept it by cashing it?

I feel your pain..but I am willing to suffer for you..just email me and I will send the address for you send it...It%26#039;ll tear me apart..but I am just too damn nice sometimes.

If someone gave you a credit card check as a gift, would you accept it by cashing it?

then send it on to me....

If someone gave you a credit card check as a gift, would you accept it by cashing it?

If it was given as a gift, then I%26#039;m sure the intention was for you to cash it. I can see how you%26#039;d feel uncomfortable, but perhaps this was the most convenient way of gifting the money to you? I would treat it like any other gift. Cash it and say thank you. Hope that helps!

P.S I%26#039;ve been given a cheque before as a gift, the person who gave it to me didn%26#039;t get out a lot to access cash, and it was just easier for her.

If someone gave you a credit card check as a gift, would you accept it by cashing it?

Ill glady take it off your hands j/k

They probably didnt know what to get you. So they gave you a card check so you can use it on something that you want.

Cash it quick before they change their mind :]

If someone gave you a credit card check as a gift, would you accept it by cashing it?

It is perhaps the lamest gift I have ever heard of. Grocery stores won%26#039;t even accept them.

If someone gave you a credit card check as a gift, would you accept it by cashing it?

This check was a gift. You should treat it as such. To refuse it (by not cashing it) would be ungrateful and ill-mannered.

If someone gave you a credit card check as a gift, would you accept it by cashing it?

without a second glance

Other than paying for a credit report/check {they all seem to charge, even the FREE ones},?

2009-08-09T05:24:00.002-07:00

what%26#039;s the best way to make sure someone isn%26#039;t using my identity ( in usa), my wallet was stolen with lots of personal info, ss# and more???

Thanks for any real advice

Other than paying for a credit report/check {they all seem to charge, even the FREE ones},?

You are right, the %26quot;free%26quot; sites require you to sign up for a monthly monitoring service (which isn%26#039;t a bad idea if your ss# and more are floating around, you may want to subscribe to a monthly monitoring service for 6 months or a year)

However, the government requires all three major credit reporting agencies to give you a free annual credit report. You can collect this credit report at the official site: www.annualcreditreport.com

You can obtain all three credit reports at once, or obtain them a few months apart if you want. Each credit agency maintains separate records, so they do not always match. Some credit issuers only report their info to two agencies.

I hope you found this useful, I assume that you reported all your credit/debit cards stolen already?

Other than paying for a credit report/check {they all seem to charge, even the FREE ones},?

the credit reports say free but it cost 1.00 you just cancle before your 30 days free trail is up

Other than paying for a credit report/check {they all seem to charge, even the FREE ones},?

go to annualcreditreport.com There is another site called freecreditreport.com and it isn%26#039;t free, but you can get all 3 at the first site I gave you, or you can check 1 every 4 months or whatever, but only time per year per agency is free.

Other than paying for a credit report/check {they all seem to charge, even the FREE ones},?

there are great explanations on myfico.com

one is to pull a credit report from one agency every four months for free from annualcreditreport.com If there is something odd with your account, ie identity theft, checking one bureau at a time should be enough.

You can also subscribe to a myfico.com service that will monitor your credit but for a fee.

I%26#039;m following the first suggestion and feel pretty secure with that.

Other than paying for a credit report/check {they all seem to charge, even the FREE ones},?

If you think that your information can be used to open up new credit you first need to place a Fraud Alert on your Credit Reports. You can get an initial fraud alert that will remain on your report for 90 days. During this time any time someone requests new credit with your SSN the creditors have to go through extra steps to prove that it is actually you. The link below will give you the information on how to do this.

Once you do that you should also go to http://www.annualcreditreport.com and pull your credit reports. You are allowed 1 free report from each of the 3 main ones per year. If there is anything on there that is not yours you need to dispute it and have it taken care of.

Other than paying for a credit report/check {they all seem to charge, even the FREE ones},?

If your wallet was lost or stolen you can put a fraud alert on your credit bureau information and they will send you a free credit report once a year when you ask for it. You need to flag your accounts so no new credit is opened in your name without your knowledge.

I want to check my credit online, will my credit score now be lower after my inquiry?

2009-08-09T05:24:00.001-07:00

I want to go to AnnualCreditReport.com to look up my credit and score, but I%26#039;m afraid that my FICO score will be lower since I made an inquiry, or does this only apply to lenders that make inquiries?

I want to check my credit online, will my credit score now be lower after my inquiry?

Personal inquiries of your credit report have absolutely NO IMPACT on your FICO score when done through the annualcreditreport.com website.

I want to check my credit online, will my credit score now be lower after my inquiry?

It doesn%26#039;t go down if you%26#039;re pulling it YOURSELF. This is considered a %26quot;soft inquiry%26quot;.

I want to check my credit online, will my credit score now be lower after my inquiry?

No it only lower after credit application

I want to check my credit online, will my credit score now be lower after my inquiry?

No, your score will not be affected if you run your own credit. This site has many reports that will most likely answer most of your questions -- www.paynotaxesforlife.com

I want to check my credit online, will my credit score now be lower after my inquiry?

It will not lower your score.And it only applies to lenders,and it takes more than 1 to lower your score.

Loan company will not accept third-party checks for payoff. Why can't I use a credit card check

2009-08-09T05:24:00.000-07:00

They say they will not accept cash or 3rd party checks. Looks like they try to delay full payoff. Yet this would seem to violate interstate commerce law.

Loan company will not accept third-party checks for payoff. Why can%26#039;t I use a credit card check to pay?

If you can pay back the credit card, after you deposit that other check to have the funds to pay it back, and can do it right away, then use the cash advance check! Just don%26#039;t borrow anything you can%26#039;t pay back or you%26#039;ll be in a heap of trouble!

Loan company will not accept third-party checks for payoff. Why can%26#039;t I use a credit card check to pay?

If you have a checking account, make a cash advance from your credit card into the checking account, and send the loan company a check.

Loan company will not accept third-party checks for payoff. Why can%26#039;t I use a credit card check to pay?

Go buy a money order.

Where exactly can you check your credit score for FREE?

2009-08-09T05:23:00.003-07:00

All of the ligitimate sources I have looked at have a sign up scam running. You must sign up for credit protection plans or the like before you can get your free score. You must give them your credit card number for your free trial that by the way is difficult to get %26quot;unsubscribed%26quot; to. I thought the law said you could get a free credit score yearly. Where do I do this?

Where exactly can you check your credit score for FREE?

You can only get your credit report for free, not your score.

Under the FACT Act, you%26#039;re allowed one free report per bureau, once every 12 months.

To get your free reports, go to AnnualCreditReport.com. ACR is the only government approved website to receive your free reports; no credit card or registration for credit monitoring services required.

Once you receive your free report, you can order your score on the website for a small fee.

Where exactly can you check your credit score for FREE?

you can use those programs pretty easily. its really not a scam. you give them the card number, but you get your score. i usually call right afterward and cancel, you still get your score and report for free. its not difficult to unsubscribe, just call and say i want to cancel, and they cancel you. like i said, i called right after i got the score, and its no hassle. truecredit is a good site and myfico.com. and you cant get a free credit score yearly, you get a free credit report yearly. the score is extra.

Where exactly can you check your credit score for FREE?

AnnualCreditReport.com is the official site to help consumers to obtain their free credit report.

I took this straight from their site...no scam, good luck!!

Where exactly can you check your credit score for FREE?

www.annualcreditreport.com I believe this is the one that I use. I get only one report from the three chooses. Then I get another one about four months later to check to see if things really did get cleaned up. Good luck to you.

Where exactly can you check your credit score for FREE?

You can ESTIMATE your credit score for free at http://www.myfico.com/FICOCreditScoreEst...

You can get your credit REPORT for free at www.annualcreditreport.com, but it won%26#039;t give you your credit score for free.

The only way I know of to get a credit score for free is to shop for a mortgage and ask your mortgage broker. However, the broker has to pay for it, so that%26#039;s kindof scummy.

Where exactly can you check your credit score for FREE?

I%26#039;ve used www (dot) freecreditreport (dot) com. You can pull your credit report and score up, check it out, and cancel your membership the same day.

I%26#039;ve done it three times through this website for myself, and for friends and family as well. Just call them when you%26#039;ve got the info you need, and you%26#039;ll never be charged.

Where exactly can you check your credit score for FREE?

Be careful about subscribing to get a free credit report. This can put an inquiry on your credit report that can stay for several years and can cost you points on your FICO. The only Legitimate way to get credit scores is though the credit bureaus themselves.

Where exactly can you check your credit score for FREE?

It%26#039;s hardly a scam. Information isn%26#039;t FREE.

Car buying with bad credit, trade in and a check?

2009-08-09T05:23:00.002-07:00

I want to trade in a 98 SUV for a used car. I have pretty aweful credit, an alright trade in and a check for $2000.00. I want almost no payments, and low financing. The car I%26#039;m looking at costs about $11,000. What should I say to the dealer in order to get the best price even though I hope not to use their financing? How will they budge?

Car buying with bad credit, trade in and a check?

Right up front your trade in is almost worthless. Everyone is getting rid of their SUV%26#039;s and they can%26#039;t move them. I%26#039;m guessing you are going to need more then what you have to get the car you want. Your going to pay outrageous interest too.

Car buying with bad credit, trade in and a check?

Banks will only give you a loan on a 99 and up. If you don%26#039;t believe it call your bank

Car buying with bad credit, trade in and a check?

Do not tell them you have anything for a down payment...get them to go as low as they can on the price and then say %26quot;Well I have a trade in%26quot; Get them to lower it more..then admit you have a check for down payment...that way they have to lower the price a lot more, then if you tell them how much money you are going to put down up front

Car buying with bad credit, trade in and a check?

You have to treat this as separate transactions. Too many people get confused at dealerships by confusing purchasing, with a trade in and financing. Oftentimes dealers will lower purchase price but raise the rate. They can give you a lot for your trade and then raise the price. The hope is that you get lost of the details. So forget about it. Treat these are three separate processes.

First, sell you car privately. You will get the most money in the end. Take that money and go into the dealer with a bigger check. Keep it simple.

Shop for financing on your own. Get approved for a loan independent of the dealer. Nothing says you have to use their banks. Try a local credit union or a bank that you do business with. Once you have that, you can always see if the dealer can do better. Sometimes they can. Sometimes they can%26#039;t.

Finally, negotiate your best price on the new car. Now there are no complicating factors. No trade to worry about and no financing. Try the end of the month when sales quotas are due.

I don%26#039;t think your going to walk away without payments. Depending on what your trade is worth, you are going to have to fiance many thousands of dollars. Be prepared for a high interest rate due to your bad credit.

Car buying with bad credit, trade in and a check?

well, you can go to www.kbb.com and get your car appraised for free, then if you have awfull credit, you are not going to get low financing, $2,000 is a good down payment for a car, when you have bad credit, there are some lenders that will finance anyone with $2,000.00 as long as they can afford to pay it with proof of income, a full time job with at least 3 month there and 3 months at the same residence. you can go to www.sunrisechevy.com the midlothian store. and I can do an application and get an approval for you as long as you are not in Michigan. If you do make it attn Gabriel

Thanks !!

as a responce to the first anwer, we can finance 1996 and above, to the other person who answered%26quot;hold back all your information%26quot; it is wrong, because we need to know everything before you call the deal in to the bank to get financing if your credit is really bad. because if they deny you right away some banks will not rehash (relook the deal for a counteroffer)

be truthfull, but maby hold back some money, say you have $1,000.00 down, see what they say. Then to help with your payment after the deal is done, put the other $1,000.00 down if it is nessesary or if it helps you.

Now for selling your car, you will always get more money on the street, no matter what, but the problem is the had times, not a lot of people are walking around with big buck in their pockets.

Car buying with bad credit, trade in and a check?

well,every thimg said so far sounds pretty good with the exception of your credit.you have no negotiating powers. special finance is an option,but you are going to have payments.you ruined your credit,and now you want to screw the dealer out of a profit. used cars are extremly expensive rigt now,and you will get your best deal on a new car. also,these folks giving advice about how to jack a dealer around? they came to do buisness this way,in part,to make a profit.its not a non-profit center.especially on a customer they cant make money on rate. they can only profit on used,and you dont want paayments. smell reality. if we didnt know all the tricks and lies that customers use daily,you could do that. dude,you need to find a tote the note lot.

I use three different programs to check my credit scores, why are all three scores different?

2009-08-09T05:23:00.001-07:00

Citi Credit Monitoring Services, True Credit, and one of my credit cards all three have different scores. It is not different scores from different credit bureaus. My Credit bureau scores are also different for all three programs I use.

I use three different programs to check my credit scores, why are all three scores different?

Each credit bureau houses its own version of the basic FICO algorithm. On top of that, each bureau has access to slightly different sets of data and compiles it in a slightly different way.

Think of this - on any given day, the snapshot of your credit file will vary - based on usage and payments. This means that your Utilization (balance/limit) will fluctuate - and it is a key driver of your score - so your score will be different if you look at it on different days.

The credit bureaus have reports form all of your lenders - each cut on a date that is issuer-specific. So they will always have slightly different data - and hence slightly different scores.

Any lender will look at an average or throw out an outlier - so not to worry too much if one is out of whack.

I use three different programs to check my credit scores, why are all three scores different?

How else would they compete if all of them showed the same number?

I use three different programs to check my credit scores, why are all three scores different?

Hi!

Very simple: The two credit monitoring services may use either different credit reports *or* may use different metrics to determine the score.

The same goes for your credit card..it may use one (or more) credit reports and different scoring metrics as well to come up with a number.

Lenders do the very same thing..they use their own metrics and may use one or more credit reports to determine your interest rates and if they say %26quot;yes%26quot; or %26quot;no%26quot;.

I use three different programs to check my credit scores, why are all three scores different?

There are several types of credit reports that can be pulled, regular, auto enhanced and super enhanced. Add this to the fact that all three bureaus have different systems to come up with scores and it%26#039;s no wonder you are getting several scores.

I use three different programs to check my credit scores, why are all three scores different?

Credit scores are not static and change consistently based upon timely payments, age of accounts, new creditor inquiries, and new accounts. Your score could be 720 today and 695 tomorrow if you went out and started applying for car loans for example. Each score is an algorithm developed exclusively for each issuer of credit or the credit bureaus, which is why there are slight variations.

I use three different programs to check my credit scores, why are all three scores different?

The primary source of information that credit card companies as well as other lenders use to determine whether you qualify for credit is the credit report.

This report is generated by three different bureaus each with three different methods for determining the score. The three bureaus don%26#039;t all have the exact same information on you and therefore the scores will differ. This makes it necessary to check all three on an annual basis to stay up to date on credit score.

With that being said the different scores you received from the different programs are a result of a few different factors. As before the amount of information that the different programs have about you will affect the score. The next determing factor the the scoring model that is used to calculate your credit score. Finally the date the calculation was made is another determining factor.

I would recommend getting your credit scores from the three bureaus as well. It never hurts to have the information straight from the source.

I know they check your credit when you move in, but does paying rent at an apartment go on your cred

2009-08-09T05:23:00.000-07:00

everytime you pay your rent, does it get documented in the credit bureaus?

I know they check your credit when you move in, but does paying rent at an apartment go on your credit?

I wish it did, but unfortunately, no. However, if you don%26#039;t pay your rent and get evicted, that goes as an Unlawful Detainer under Public Records.

I know they check your credit when you move in, but does paying rent at an apartment go on your credit?

no, it doesn%26#039;t

I know they check your credit when you move in, but does paying rent at an apartment go on your credit?

No, it doesn%26#039;t.

But it might appear on your credit report if you skip out on the mortgage.

I know they check your credit when you move in, but does paying rent at an apartment go on your credit?

No it doesn%26#039;t, but if you do not pay it and are evicted; or the landlord gets a judgment against you for back rent and damages, that will go on your credit report.

I know they check your credit when you move in, but does paying rent at an apartment go on your credit?

Rent almost never gets reported to Experian, TransUnion and Equifax. However, if you default on a rent payment, odds are good it will get reported to one of the myriad of Specialty Credit Reporting Agencies, as well as perhaps one or more of the Big Three.

Some car leasing outfits also do not report good payment history.

I want to check my credit score but I don't want to spend ANY money is there a website I can do

2009-08-09T05:22:00.003-07:00

I DONT HAVE A CREDIT CARD AT ALL AND I DONT WANT TO SPEND MONEY ON MY CREDIT SCORE PLEASE HELP!

I want to check my credit score but I don%26#039;t want to spend ANY money is there a website I can do that with?

Yes, there is a site that will allow you to check your FICO credit score for one time in a lifetime, free. Go to www.eloan.com -- On the right side of the page, go to Tools %26amp; Resources. In the drop down box right below that, select Free Credit Score. They only give it to you for free one time, but if you%26#039;re just curious about where you stand, go for it.

I want to check my credit score but I don%26#039;t want to spend ANY money is there a website I can do that with?

freecreditreport.com

I want to check my credit score but I don%26#039;t want to spend ANY money is there a website I can do that with?

Nope, you%26#039;ll always have to pay for your credit score. You can get a free copy of your credit report at annualcreditreport.com, but it won%26#039;t have the numeric score.

I want to check my credit score but I don%26#039;t want to spend ANY money is there a website I can do that with?

There are several sites but the best is

www.annualcreditreport.com

AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion.

Alternatively, you can simply write each of the major credit reporting agencies requesting a free copy to %26quot;verify that the data is correct.%26quot;

I want to check my credit score but I don%26#039;t want to spend ANY money is there a website I can do that with?

http://www.freecreditreport.com

https://www.freecreditreportsinstantly.c...

https://www.annualcreditreport.com/cra/i...

I want to check my credit score but I don%26#039;t want to spend ANY money is there a website I can do that with?

Sighn up at freecreditreport.com then cancel it after you print off your report

I want to check my credit score but I don%26#039;t want to spend ANY money is there a website I can do that with?

If you%26#039;re friends with a banker, she could probably help you apply for a loan, which would be free, and as part of that process, she could find out what your credit score is. You wouldn%26#039;t have to actually take out the loan if you don%26#039;t want to. Other than that, you%26#039;d have to pay for your credit score, which is available at:

Equifax - www.equifax.com

Experian - www.experian.com

TransUnion - www.transunion.com

Finally, if you just want a credit report, you can get one free report per year from www.annualcreditreport.com. Many other places that offer free credit reports are scams, so avoid them.

Do cell phone companies check your credit when you are renewing your contract?

2009-08-09T05:22:00.002-07:00

just curious, renewing my contract tomorrow with US cellular and wondering if they%26#039;ll look at my credit.

Do cell phone companies check your credit when you are renewing your contract?

Mine didnt - AT%26amp;T

Do cell phone companies check your credit when you are renewing your contract?

This is a question that i get on a daily bases! At T-Mobile we do not base your upgrade on your credit stating but rather on your payment history and tenure with us. So if you paid on time and that the last time you upgrade is all good in OUR systems then you may receive the max discount with rebate if available! Check us out!

When should I check my credit score again after disputing alot on report?

2009-08-09T05:22:00.001-07:00

i have been working on c redit report for about 2 months now.. I have raised my score alot ... I need to know what time of the month should I check my score again.. I need to have my score higher about 10 points. so I did some more disputing and paying for things on time agian.. so when should I check score? HELP

When should I check my credit score again after disputing alot on report?

Your dispute may take 30-45 days to be completed. You can call the credit reporting agency to see when the results are final, or wait until you receive the results of all of the disputes. That way you are not paying for an extra credit score before everything is complete.

When should I check my credit score again after disputing alot on report?

I would think that the time you disputed impacts when you should check your score again. It is my understanding that the creditor has 30 days to confirm the disuputed information.

So I would check again in about 35 days (not sure if it is 30 business days or not but if so add the appropriate number of days for same)

and check after that.

congrats for rasing your score

be sure to update us regarding what tactics have been sucessful!

Can I check my credit score without having to pay for it?

2009-08-09T05:22:00.000-07:00

all the sites i have investigated require you to purchase something. why do i have to pay to see MY credit score? can i see it for free?

Can I check my credit score without having to pay for it?

Your three credit REPORTS you can get free once a year at the site below. Your credit SCORE will cost you, usually around $10. I believe there is an option to pay for your score when you get your free report.

BTW - if you are getting your free reports at the free site from the three agencies, get them one at a time, every four months. That way, you can keep close tabs on your report without having to pay for a %26quot;credit watch%26quot; subscription.

Can I check my credit score without having to pay for it?

Yes-write to them or call them. The law requires they give you a free copy once a year upon your request.

Can I check my credit score without having to pay for it?

IT DEPENDS IN WHAT STATE YOU LIVE. IN CALIFORNIA IT%26#039;S FREE

Can I check my credit score without having to pay for it?

No the free reports do not give the key number FICO score!

Go to MY FICO and buy the combine report.

This will give you a clear picture of what biz see about you, you can work to improve/correct and be able nego from the position of knowledge.

Example car sales may try to pass a higher interest rate then you deserve!

Can I check my credit score without having to pay for it?

You can see it for free THREE times a year!

Law requires the credit-rating agencies let you know your score once a year for free if you ask, so since there are three agencies (Experian, Transunion %26amp; Equifax) you can ask once every four months for no charge.

Can I check my credit score without having to pay for it?

Here are the facts!

You can receive all three of your credit files free once every 12 months by law(passed in 2004) from annualcreditreport.com

As far as credit scores they unfortunately are not free. The only credit score that lenders use is a FICO score. You can get all three at www.myfico.com/12 and also the top four reasons from all 3 of the credit bureaus that your credit score isn%26#039;t higher for $44.85. Or you can get individual FICO scores for $14.95 from Equifax and TransUnion at www.equifax.com and www.transunioncs.com respectively. Experian sells their own score which is worthless.

Good Luck

I want to get a loan from a loan company, I know they can check to see my credit history but can the

2009-08-09T05:21:00.002-07:00

see if I have payday advance (such as Money Mart, etc...) Can the loaning company see on my credit report or any report that I have a payday advance for my next check?

I want to get a loan from a loan company, I know they can check to see my credit history but can they also?

yes they see that

I want to get a loan from a loan company, I know they can check to see my credit history but can they also?

better question...if you have that why would you be applying for yet more credit you cant pay?

I want to get a loan from a loan company, I know they can check to see my credit history but can they also?

yep they can see that and that looks terrible on a credit report

I want to get a loan from a loan company, I know they can check to see my credit history but can they also?

Payday loans don%26#039;t report on your credit report unless you default on the loan and it gets sent to collections.

I want to get a loan from a loan company, I know they can check to see my credit history but can they also?

Yes they can see that. Depending on the company as long as that loan is in good standing it should not matter. Another company may see it as a good reason not to give you credit being that you are obviously spending beyond your means as it is.

I want to get a loan from a loan company, I know they can check to see my credit history but can they also?

If Money Mart did a credit check on you, then more than likely the loan company will see that you went to Money Mart. If they did not, more than likely they have your social sec. #, which may have gave that information to the credit bureau.

I want to get a loan from a loan company, I know they can check to see my credit history but can they also?

I dont think so. The payday loan place really goes off that you have a current job and you have an active checking or savings account...You can also view your credit report for free from all these differnt websites....What you see there is what they will see....

I want to get a loan from a loan company, I know they can check to see my credit history but can they also?

if that payday company makes regular reports to credit collecting agencies then the answer is yes

Can you stop payment on a credit card check?

2009-08-09T05:21:00.001-07:00

yes, all you would need to do is call the bank of the credit card company and for usually about a $35 fee. If the person buying the truck from you is the one writting the check and you%26#039;re concerned they might stop payment on the check they can take the check to their own bank write the check to themselves and give you the cash. It would still be at the same APR %26amp; fees would all be the same.

Can you stop payment on a credit card check?

yes you can

Do car insurance companies check your credit?

2009-08-09T05:21:00.000-07:00

I want to purchase a house but I don%26#039;t want my credit being touched while looking for insurance for my vehicle. Will an insurance company touch my credit?

Do car insurance companies check your credit?

Unless you live in California, yes, an insurance credit check WILL happen, unless you%26#039;re under 21 (in which case you basically get the worst rates anyway).

I%26#039;ve had good results here...

http://insurance.123thebest.info/

Good Luck.

Do car insurance companies check your credit?

Yes, they do. And they are known to rate people and even deny insurance for bad credit.

Do car insurance companies check your credit?

Oh yeah. They found a correlation between bad credit and and higher insurance claims, They will use that to give you a higher premium.

Do car insurance companies check your credit?

only some companies like safeco

Do car insurance companies check your credit?

They won%26#039;t touch it, but they will check it. It gives them one more excuse to jack up your rates.

Do car insurance companies check your credit?

They don%26#039;t %26quot;check%26quot; your credit, see your credit report or affect your credit score at all. They do get a %26quot;score%26quot; from either various sources and use that as 1 of the factors in determining your car insurance rates.

Go ahead and shop for car insurance - it will not hurt you.

Do car insurance companies check your credit?

In all states except California, credit scoring is used in rate determination. It won%26#039;t affect your score, it%26#039;s a %26quot;soft hit%26quot;. If you want a quote with no credit scoring, Leader Infinity will do that for you, but you get the absolutely highest rates - as if you have the worst credit.

Do car insurance companies check your credit?

I wish my experience is helpful for you.Here is the good resource.http://car-insurance.online-tips.info/ca...

Do car insurance companies check your credit?

Almost all of them will. They do what is known as a marketing hit though, so it won%26#039;t affect your credit score, it%26#039;s only used in rating you to determine your premium amount. Here is an in depth article on the subject of credit and auto insurance: http://www.knowyouragent.net/WhatDoesMyC...

Can I check my credit score absolutely Free?

2009-08-09T05:20:00.003-07:00

Free as in not having to put in a Credit Card#; which is kind of hard to do when you can%26#039;t get one.

Can I check my credit score absolutely Free?

You can get a free REPORT from:

www.annualcreditreport.com

However, there isn%26#039;t any place you can get a SCORE for free.

Can I check my credit score absolutely Free?

Nothing is free my friend......nothing. There always seems to be a catch when something reads %26quot;Free%26quot;. So my answer to you is no. Good luck :)

Can I check my credit score absolutely Free?

Yes you can my friend. By law you are allowed to get one free credit report a year. You can do this through websites like these. I hope this helped you.

http://www.ftc.gov/bcp/conline/pubs/cred...

https://www.annualcreditreport.com/cra/i...

Can I check my credit score absolutely Free?

http://www.ftc.gov/bcp/conline/pubs/cred...

this was a website given to me by another member. i am going to check it out because it says it is a federal agency not some on the side business.

Is there a site that i can check my credit without using credit card?

2009-08-09T05:20:00.002-07:00

I have no credit card. I need to find my credit score cause i%26#039;m trying to get an apartment.

Is there a site that i can check my credit without using credit card?

www.annualcreditreport.com once a year no credit card.

Is there a site that i can check my credit without using credit card?

Each credit reporting agency is required by law to give you a free credit report each year.. experian, transunion and I forget the other one... Those other sites will make you join,,, then they will charge you... go to these directly, no fee

http://www.experian.com/

http://www.transunion.com/

Is there a site that i can check my credit without using credit card?

freecreditreport.com i think?? maybe not sorry

Is there a site that i can check my credit without using credit card?

annualcreditreport.com

freecreditreport.com

Be sure to look at all three reporting agencies.

Experian - Equifax - Trans Union

Is there a site that i can check my credit without using credit card?

at FREEEEEE CREDIT REPOT DOT COM!!!

Is there a site that i can check my credit without using credit card?

annualcreditreport.com

They will not ask you for CC info. But be sure to have things like your social security number ready.

Is there a site that i can check my credit without using credit card?

Annualcreditreport.com will not give you a score; it only shows you what閳ユ獨 on each credit report. It is a free service though.

How about asking your bank how much it would cost to get your scores?

How to check my credit balance in my mobile phone?

2009-08-09T05:20:00.001-07:00

i usually check the balance by calling the service provider. it%26#039;s there other way to do so???

How to check my credit balance in my mobile phone?

there would be some codes for that..you should ask your service provider for that...

How to check my credit balance in my mobile phone?

try with your provider.

How to check my credit balance in my mobile phone?

It would be a whole lot easier to answer this question if u had told what provider you use. I know with Cingular you can call a three digit number and it will send ur information back as a text message.

Did you know that when you check your credit score it is different than what lender wouldget?

2009-08-09T05:20:00.000-07:00

there are different catagories for each credit score

one for credit cards one for mortgage and one for auto

what the credit report companys dont tell you is that your credit score that you see is very different than what lenders see.

Did you know that when you check your credit score it is different than what lender wouldget?

There is not supposed to be any difference. I just went through this. I found out something interesting. My score was 812.. which is high. I had NO outstanding debts NOW or before so I asked why not higher. They informed me that I had one credit card (which I do) and I owed $3,000 plus dollors on it. I explained that I get the bill each month and I have so many days too pay it off and I had not yet gotten my bill. They informed me that the best way to get an even higher bill is to pay off the credit card bill and not use it for a while during which time the credit report is being gotten... by so doing, I would show nothing besing owed on the credit report so it would have been even higher... THIS IS ASSUMING that you have not had any %26quot;bad%26quot; reports from your past.

Did you know that when you check your credit score it is different than what lender wouldget?

there is a difference in scores. They use alot of different scoring models, so it would depend on the scoring model you got, and the one they used. Auto loans typically use auto scores, same as every other lender in America. So, it can vary, and I have seen them vary, a couple of times, by almost 100 points !

Did you know that when you check your credit score it is different than what lender wouldget?

I would ask you, %26quot;How did you find out?%26quot;

If U work in a Credit Company, Hey! I want to know more.

Make sure that info. is accurate.

If others say the same as U; Here, Then I%26#039;ll be convinced.

Other testimonies as yours will strengthen your comment.

I would really like to know more on this, Because I have debts.

I applied last week for a loan, and they told me %26quot;Not approved%26quot;

The other day I applied for an account with Sprint, and they told me that I did approve.

I don%26#039;t know what to believe!

Other answers to your comment might help me understand how this Credit issue goes.

Did you know that when you check your credit score it is different than what lender wouldget?

It shouldnt be, but they pull more than one bureau. Lenders often go with the middle score.

Did you know that when you check your credit score it is different than what lender wouldget?

Let%26#039;s clear up this credit scoring issue.

There is one company the writes the programs for credit scoring, Fair Isaac Company, hence the acronym FICO. It is the ONLY credit score lenders use. Any other score that you see for sale on the web is a %26quot;Fake%26quot; score and may or may not be the same as your FICO score.

Some Car dealers use what they call an %26quot;Auto Enhanced%26quot; FICO score. It gives slightly higher points if you have a good history of auto loans then a regular FICO score and a lower score if you have a poor history of auto loans.

In fact I just traded in/bought 2 cars and my %26quot;Auto Enhanced%26quot; FICO score was 33 points higher than my regular FICO score(I checked before going to the dealer) because I have 2 active paid on time car loans and 5 paid on time closed loans/leases showing on Equifax. My wife%26#039;s %26quot;Auto Enhanced%26quot; FICO score was 5 points lower than her regular FICO score because she only has the 2 active paid on time car loans and only one other paid %26amp; closed lease on her Equifax file.

Hope that clears it up for you.

Good Luck

When I receive these "prescreened" offers of credit, do they go in and check my credit rep

2009-08-09T05:19:00.003-07:00

I just received a copy of my credit report and there are a **** load of credit inquiries. The kicker is, I havent applied for any credit for quite some time. I do receive credit card offers in the mail all the time, would that be it? I%26#039;m talking like 6-8 inquires already this year. Where the hell are they coming from and is my score suffering because of it? Thanks!!

When I receive these %26quot;prescreened%26quot; offers of credit, do they go in and check my credit report before hand?

The prescreened credit inquiries are what is called a %26quot;soft inquiry%26quot; or a sneak peak of your file.. They really just get a query of people who meet their minimum standards and send you an application out.. These are only visible by you and do not reflect a decrease in score..

However, any time you apply for any service (could be phone, cable, electricity, etc), your credit will be examined.. Normally, any application for utilities service (the ones mentioned above) results in no change to your score..

It is recommended however to opt out of these credit offers, to reduce possibility of identity theft.. .

When I receive these %26quot;prescreened%26quot; offers of credit, do they go in and check my credit report before hand?

You can opt out of these. Call 1-888-5OPTOUT.

When I receive these %26quot;prescreened%26quot; offers of credit, do they go in and check my credit report before hand?

They do not check your credit before hand, not in the respect that someone at, say, a car dealer would if you were buying a car.

What happens is they are trolling for potential customers, and are looking for things that might indicate you are a good candidate. These are done by automated programs that use a scoring system. They are not supposed to count against your credit rating, but can.

If you have enough items in your file to trigger their program, they send you an application. It%26#039;s only if you fill it out and send it in do they actually look at your file to see what all is in there.

You can request (in writing to Equifax and the other credit agencys) that they quit allowing your file to be scanned this way.

Zeba

http://www.BeatTheDebtMonster.com

When I receive these %26quot;prescreened%26quot; offers of credit, do they go in and check my credit report before hand?

I wouldnt think that companys could check your credit without your social security number or some other unique form of ID.

There must be hundreds of people nationwide with your name, or anyones name for that matter.

You may be applying for credit without your realizing it. Every time you sign up for a different cell phone plan or cable tv/internet etc your credit is checked. All these places check your credit before they allow service.

It may also be someone applying for credit in your name (such as identity theft). Keep a VERY close watch on your credit in the near future.

When I receive these %26quot;prescreened%26quot; offers of credit, do they go in and check my credit report before hand?

The %26quot;prescreened%26quot; offers are soft hits to your credit %26amp; do not affect your score. The creditor submits a list of general requirements to the credit bureau %26amp; gets back a list of everyone that meets those standards. This does not guarantee that you will be approved for the offer when you apply. With your application they will do a more complete look at your record, which will affect your score. If they find something that disqualifies you, you will still be turned down.

When banks or car dealers check your credit...are they getting a credit report or just a number?

2009-08-09T05:19:00.002-07:00

I%26#039;ve asked this question several times and never got the answer I wanted, so here it goes again....this is a very simple question with a very simple answer. I just want to know when you take out a car loan at a bank or dealership...what are they getting? Do they show you a credit report? Or do they give you a number of how good your credit is? Or do they give you the annual % of interest? It helps if you%26#039;ve worked at a dealer or bank. I don%26#039;t need a long detailed explanation just answer the question. Thank you.

When banks or car dealers check your credit...are they getting a credit report or just a number?

When you get your credit %26quot;run%26quot; the dealership gets a credit report as well as a numerical score. They actually will get an enhanced score that gives more weight to installment loans. This is used(but not exclusively) to determine your interest rate and down payment.

They will not give you a copy of this report or score to keep. Technically the only person that is allowed to see this is the financing manager. However, several companies will share this information with you and the salesman.

When banks or car dealers check your credit...are they getting a credit report or just a number?

The dealerships I bought cars from get an actual credit report and the FICO score. They are not supposed to show you either one, but since they are trying to sell you a vehicle, they will. Just ask to see it.

When banks or car dealers check your credit...are they getting a credit report or just a number?

They pull the complete CR with FICO score from one of three reporting agency%26#039;s. But they seem to only care about the score. If denied they have to tell you based on what factor of the CR. Then you are entitled a free CR. And they don%26#039;t have to actualy show you anything.

When banks or car dealers check your credit...are they getting a credit report or just a number?

They get whatever they are willing to pay for, usually the credit report and the FICO score.

They are under no obligation to show you the report, and a car dealership, for example, will make it seem worse than it is (to get a higher financing rate).

When banks or car dealers check your credit...are they getting a credit report or just a number?

Auto finance is what I do for a living and the previous posters are correct.

Auto dealers and lenders alike get whats called a %26quot;auto enhanced%26quot; credit report that gives special consideration to installment loans complete with pay history, score and a listing of all accounts both open and closed, revolving and installment.

This gives the dealer and the lenders a complete profile of how the customer pays their bills and gives the Finance Manager insight as to where to send the deal to get the best call.

When banks or car dealers check your credit...are they getting a credit report or just a number?

based upon your condition,I think you should find something useful here.http://carloan.featured-resources.info/b...

Do auto insurance companies check your credit?

2009-08-09T05:19:00.001-07:00

I want to purchase a house but I don%26#039;t want my credit being touched while looking for insurance for my vehicle. Will an insurance company touch my credit?

Do auto insurance companies check your credit?

Unless you live in California, yes, an insurance credit check WILL happen, unless you%26#039;re under 21 (in which case you basically get the worst rates anyway).

The GOOD news is, the insurance scoring does NOT count as a %26quot;ding%26quot; on your credit rating.

Do auto insurance companies check your credit?

Car Ins Companies check your credit and base the rates on it.

Do auto insurance companies check your credit?

They will check your credit as part of the application process. This is just one of the pieces they use to determine what risks to accept and at what rate. Statistics show that folks with lower credit scores tend to have higher likelihood of filing claims. Therefore, folks with lower credit scores tend to pay higher premiums than those with very good credit scores.

Do auto insurance companies check your credit?

While you are looking for a house, put a fraud watch on all of your credit reports. NOBODY can look into your credit without your express permission.

When dealing with the mortgage company, tell them that you put the watch on your credit to ensure that all the inforamtion is accurate

Do auto insurance companies check your credit?

Your question is totally irrelvant. There is a misconception that if someone checks your credit rating, your credit rating DROPS.

That%26#039;s nonsence. Call a credit bureau like equifax and they will explain to you that your credit rating might drop if you have like pages and pages of hundreds of different inquiries.

I directly was speaking with equifax about my credit report, and asked them, hey what about these 5 inquires over the last year or two, are these killing me?? The lady kind of chuckled and said no sweetie, that is the case if you have like 500

inqueries...some people go to bank after bank after bank tryng to get loans, and then have like an entire book of credit inquiry hits....thats when your credit rating starts to go down.

Do auto insurance companies check your credit?

Most of them will inquire about your credit. This is another flaw in the current underwriting systems that allow an auto company to check credit instead driving history.

Do auto insurance companies check your credit?

Many will, but usually they have to have your permission. Be sure to read the fine print if applying online or ask any agents BEFORE agreeing to the insurance quote.

I know that Progressive and Geico check credit. I have esurance and I don%26#039;t believe they check credit.

Try them at www.esurance.com.

Good Luck!

Student Loans. do they check your credit?

2009-08-09T05:19:00.000-07:00

I need to get a student loan to go back to school but my credit is not very good, so can you still get them even if you have bad credit if you have a co signer? or is it alot harder or impossible to get one?

Student Loans. do they check your credit?

The federal Stafford loan does not require a credit check and is the most widely used type of student loan out there. It was originally created because students typically have not had a chance to develop a credit history.

Private student loans are not guaranteed by the government, so they typically require a credit check. Parent and grad PLUS loans also require a credit check, although they have relatively high approval rates.

Applying for federal financial aid (including the Stafford loan) starts by filling out your FAFSA (www.fafsa.ed.gov). They will look at your financial situation and decide how much aid you are eligible for. Almost everyone qualifies for the Stafford loan. You also want to make sure you%26#039;re applying for every possible scholarship during this time.

Good luck!

Student Loans. do they check your credit?

With a co signer it should not be a problem.

Secondly, you need to deal with why you have bad credit. If you start paying what you owe or even make SOME arrangement, even if it is only 5 bucks a month, it will clean up your credit.

Some loans will be harder, some will not. It depends on the type of loan.

Student Loans. do they check your credit?

You can get one with bad credit. No one would ever go to grad school if you couldn%26#039;t. Also, you can get one even after declaring bankruptcy.

Student Loans. do they check your credit?

Student loans eligibility does not use a FICO score or review your credit report. The only thing that would prevent your obtaining a student loan is if:

You are convicted of a drug crime

Owe the IRS or any other government agency

Enrolling in school less than half time

However, any funds over the allotted yearly amount available in the Federal Student Loan Program, known as private loans, do use your credit rating.

Student Loans. do they check your credit?

Federal Student loans do not require a credit check for you to get them. But you can be defaulted on any previous loans. You also are not required to have a cosigner. Here is a good publication on loans and the best types to have.

Student Loans. do they check your credit?

Some student loans are possible without co-signer

there are private loans with very low interest.

I found interesting information about your answer, college loans with low interests, scholarships, college grants here.http://all-student-loan-consolidation.bl...

When car dealerships check your credit, what are they exactly looking at ?

2009-08-09T05:18:00.003-07:00

Does credit matter more then the downpayment ? humm

When car dealerships check your credit, what are they exactly looking at ?

Dealers see the auto enhanced version of your credit report.

And yes credit matters a lot more then down payment.

Auto loans are based on the following factors;

1. LTV (loan to value).

2. Term requested.

3. Age of vehicle.

4. Miles on vehicle.

5. Down payment.

6. Time on job.

7. Time at residence.

8. Monthly income before taxes.

9. Credit score/profile.

10. Total debt to income ratio.

As long as the above factors are submitted to the lenders correctly, just about anyone can be approved for a auto loan.

I had one customer last year that had been in prison for 7-years and had no score, but he put 50% down and I got him approved.

When car dealerships check your credit, what are they exactly looking at ?

I always wondered what they always did the minute u gave them personal information to check your credit. My personal oppion is that you should be able to be right there with them making sure u aint being scamed into something

When car dealerships check your credit, what are they exactly looking at ?

Yes, down payment is nothing they look for:

Number of accounts with delinquency

Bal/cred limit too high on rev accts

Derog public record or cellection

Time since delinquency too recent.

If someone to check ur credit report like an employer,what results would they see?

2009-08-09T05:18:00.002-07:00

is it a detailed one where they would see all the names of the past accounts u had, if so wouldn%26#039;t that be wrong for someone going through your personal stuff? or is it just a credit score where they would only see few numbers?

If someone to check ur credit report like an employer,what results would they see?

Depending on the credit service they use, they can see great detail. For a few bucks on the Internet they would only get top-line information about you. But from the top credit services, ex. TRW, they can find out just about as much as they want to pay for: Your assets; liabilities (who and how much), which credit cards you have and what the balances are, your savings, investments, etc. They can even find out if you%26#039;ve been convicted of a crime.

Scary stuff.

If someone to check ur credit report like an employer,what results would they see?

They see all. What they are looking for is deliquent accounts and court stuff. Like if you have a lien on you. They have every right to check it if you sign the paper. If you don%26#039;t you probably won%26#039;t get the job due to them thinking your hidding something.

If someone to check ur credit report like an employer,what results would they see?

They would see past employers, addresses, creditors and payment history.

Most employers use them to determine if you resume is correct and if you may be a liability based on your credit history.

It keeps people who may use fraudulent methods for monetary gain because they have monetary issues.

If someone to check ur credit report like an employer,what results would they see?

I do loans for a bank and get credit reports all the time. What they see is a complete history of your credit, going back a number of years. It will note a credit score, past addresses, SS number, birthdate (just month and year), judgements levied against you, bankruptcy, highest limit occured on any given credit card or debt and if and when it was paid off, late payments on any debt that was reported, and on it goes. There is a synopsis on the report that has a few lines stating how the score was attained, so if there are negatives in the report, the receiver doesn%26#039;t have to read every line item. However, in our case, we do read every line because we give our clients a chance to show us the debt has been taken care of rather than just judging them by a number.

If someone to check ur credit report like an employer,what results would they see?

hello she they are really checking to see how honest you are and they are checking to see if you are dependable andthey also checked to see how qualified you are for certain positions you have applied for

How can I check my credit rating free from Experian?

2009-08-09T05:18:00.001-07:00

Is it possible without revealing credit/debit card details and an email address

How can I check my credit rating free from Experian?

You can%26#039;t. It costs 鎷? to view your report. Get the address and send a postal order or cheque...

How can I check my credit rating free from Experian?

freeannualcreditreport.com

yes u have to have an email addy.

How can I check my credit rating free from Experian?

Have you looked on Experians web site and read what they want you to do. Some allow you a free look if you sign up a direct debit so that you can check each month- the trick is to cancel it with the allotted time which is enough to give you your free reading. See the moneysavingexpert.com- he had an article on this a few weeks ago.

How can i check my credit history?

2009-08-09T05:18:00.000-07:00

i never seem to get credit anywhere

How can i check my credit history?

Yes log onto %26quot;Credit expert%26quot; run by Experian,,they will have you details there,,you will pay about 鎷? to enroll and a further 鎷? every month(optional) to keep an eye on your account,,it willl have all your financial history and gives you a chance to put right anything that is wrong,,I have an account with them for about a year now and they update me every time the account is looked at and by whom,,,,It`s very easy to find your way around the site,,,,Experian are probably the main company that all lenders use to check your details

How can i check my credit history?

Go to www.experian.co.uk and find out. You%26#039;ll have to pay a small sum, but at least you%26#039;ll be aware of any adverse details on your record.

How can i check my credit history?

Experian, they hold credit history

How can i check my credit history?

Experian is the best. don%26#039;t forget to cancel though

How can i check my credit history?

there%26#039;s a site called www.checkmyfile.com that allows you to check your credit report - there are actually 3 different companies, not just experian. It%26#039;s not free, but quite informative. Think it%26#039;s about 10 - 15 quid.

How can i check my credit history?

Experian give a 30 day or so trial.Which will give you time to check.

They keep e-mailing me with offers.Wonder if they are trying to tell me something?

How can i check my credit history?

if you are in the US, you are entitled to 1 credit report from each agency every year. go to the gov%26#039;t website below and request your report. no payment information is necessary.

How can i check my credit history?

Hello

Yes:

Experian who run Credit Expert

CheckMyfiles.com (cheaper)

Strongly advisable to check it before any further loan , credit card application

More information at: http://www.financecomparator.co.uk

How can i check my credit history?

www.creditexpert.co.uk is by far the best, trust me!

How can i check my credit history?

You can contact the main credit reference agencies as already answered in the above replies.

You dont need to subscribe monthly

you can get one off reports for 鎷?

How can i check my credit history?

If you log on to Experian they will give you a free credit report. If you wish to register you can obtain a monthly report for 鎷? per month but it is optional.

How can I check my credit score?

2009-08-09T05:17:00.002-07:00

Is there a website that I can see my credit score for free? Also,Someone told me that my score l will lower everytime I look at it... is that true?

How can I check my credit score?

Very true....altought it veries with each person.

Im sorry baby but i work in a mortgage company i know these things........

they are many things that trigger your scores to drop.....but the most important is that after checking your credit you positively need to wait 6 months before re-runing credit or opening any new credit!...yes thats also applying.

If you like more info on refinancing or buying call LYDIA CASTRELLON @ MORTGAGE SOLUTIONS

#760-241-6101

TELL HER THAT ARLENE REFFERED YOU....

SO SHE CAN SEND YOU A FREE CREDIT ANALYSER.

How can I check my credit score?

freecreditreport.com!

How can I check my credit score?

By law you are allowed one free credit report per year.

Also I%26#039;ve seen www.freecreditreport.com on TV before.

How can I check my credit score?

http://www.freecreditreport.com

They won%26#039;t dock your score every time you look at it, the only way it will lower is if you don%26#039;t pay your bills or something wrong with fianance

How can I check my credit score?

yes after the third time checking your score it does come down but only a point or two

How can I check my credit score?

yes everytime you check you credit it will lower and to check it go to checkmycreditreport.com

How can I check my credit score?

DO NOT DO IT ONLINE.

I didn%26#039;t even get the credit score report and the company has charged my credit card several times for it.

I%26#039;m not lying. I had to cancel my credit card because of it.

that site sold my credit card number to other sites and I%26#039;ve had over $150 charged to my credit card without my consent.

Do not trust the internet.

Go to your bank and get it done there.

How can I check my credit score?

all you do is enter in the search query for check my credit score. It will then lead you thorugh the process and trust me unless you remember dates well it is a lot easier to do on the telephone. On line the verification process is a little more stricter but for obvious reasons so you may be asked where you worked or lived at a given date. As for it lowering your score I strontly doubt that.

How can I check my credit score?

5 steps to better credit

Correct blatant mistakes. Your credit score is only as good as what shows up in your credit report. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan. Changing a mistake on your report - such as a payment that is wrongly labeled as late -- can take 30 days to three months, sometimes longer.

Pay your bills on time. This is always a good practice, and it%26#039;s especially critical that you make prompt payments close to the time you need a loan. That%26#039;s because a late or missed payment in the last few months is likely to lower your score much more than an isolated late payment five years ago.

Reduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit. Generally, it%26#039;s good to keep your balances at or below 25 percent of your credit card limit, said Jeanne Kelly, founder of The Kelly Group in Brookfield, Conn., which helps clients improve their credit scores.

--------------------------------------...

Pay off debt rather than moving it around. Since the ratio of your credit card balance to your credit limit is key, closing out an account and transferring the balance simply means you increase that ratio, which is likely to lower your score. In other words, say you owe a total of $2,000 on four credit cards, each of which has a $2,000 limit. Your total credit limit is $8,000, of which your total balance ($2,000) accounts for 25 percent. If you transfer all your balances to two cards and cancel the other two, your total credit limit is reduced to $4,000, and your $2,000 balance now accounts for 50 percent of that limit.

Don%26#039;t close unused credit card accounts near loan time. If you have several credit card accounts but are only using a few of them, you%26#039;ll only raise your balance-to-limit ratio if you close the unused ones. You also shouldn%26#039;t open new accounts when applying for a loan if possible. If you have a short credit history or very few accounts, opening a new credit line may lower your score since you don%26#039;t have a proven track record, said Jan Davis, an executive vice president at TransUnion. What%26#039;s more, a new account will lower the average age of your accounts, another factor in your FICO score.

Where can I get my score?

To find out specifically what you must do to raise your score, you can order your score report from all three national credit bureaus. In addition to your score, you%26#039;ll get your credit report, an indication of how your score ranks nationally and an explanation of how you can boost your standing.

There are two reasons to get your score from all three bureaus: First, each bureau may have slightly different information about you depending on which companies have reported to them on your accounts -- reporting is not mandatory and many companies will report more regularly to the bureau based in their region. Second, mortgage lenders often look at all three of the bureaus%26#039; FICO scores and take the middle score - not the average -- to assess your eligibility, said Michael Daversa of Atlantic National Mortgage in Westport, Conn. So it%26#039;s in your interest to know what that middle score is and make it the best it can be.

Currently, only Equifax offers consumers their actual FICO score. It can be purchased online for $12.95 at Equifax or myFICO.com. TransUnion and Experian sell their own score brands, but spokesmen for the two bureaus say their scores are comparable to FICO scores in that any advice they give you to improve your score will apply to the FICO score as well.

Like Equifax, the Experian score can only be purchased online for $12.95. The TransUnion score (included whenever you buy your TransUnion credit report, which will cost up to $9.00 depending where you live) may be purchased online, by mail, or, in some cases, by phone.

If you were denied credit, you%26#039;re entitled to a free credit report from the bureau supplying the information that was the basis for denial. Some states also entitle residents to a free credit report at least once a year. There is, however, no requirement that credit scores be offered free, although with TransUnion your score is automatically included in your report, whether you get it free or not.

How can I check my credit score?

Supposedly, buying it online from freecreditreport.com, experian.com, truecredit.com etc... will NOT hurt your credit scores. You aren%26#039;t applying for credit, so it%26#039;s supposed to be a review hit, not a hard pull.

They%26#039;re really only free if you cancel the subscription right away though.

How can I check my credit score?

Go to http://www.bad-credit-credit-card-for-pe... and it has a link to the Federal Trade Commission%26#039;s website on how to get a truely free credit report ever year.

How can I check my credit rating?

2009-08-09T05:17:00.001-07:00

is there a web site that can give credit ratings.

How can I check my credit rating?

Funnily enough, just answered this one:

I assume you mean for seeing what state your own record is in...

There%26#039;s a nomimal fee from most credit agencies - typically 鎷? to cover costs.

As far as these things go, Experian and/or Equifax are the first port of call for most if not all banks and credit agencies.

Funnily enough, a search on yourself shows up on your report too, as do all searches in the past 6 months

How can I check my credit rating?

ask your bank they should be able to get you in touch with the people

How can I check my credit rating?

freecreditreport.com

How can I check my credit rating?

www.checkmyfile.com, they give you a free report and also you can pay for one from Experian and Equifax which will show if you have any bad credit against your name.

How can I check my credit rating?

www.annualcreditreport.com. It%26#039;s a free service run by the credit agencies. You can check your rating once a year. Don%26#039;t go to freecreditreport.com, they make you sign up for some stupid service.

How can I check my credit rating?

have you not sent any emails lately ?go to yahoo email bottom left hand corner

How can I check my credit rating?

try experian.co.uk or equifax.co.uk. you will have to pay a small fee 鎷?-鎷?

How can I check my credit rating?

Just go to Freecreditreport.com and you can get a free credit report. You will have to provide credit card information because they will automatically sign you up for the service. You should just call them once you have looked at your report and cancel the service so you don%26#039;t forget. There are many websites that provide this service, but just don%26#039;t forget to cancel the service if you don%26#039;t want to be charged.

How can I check my credit rating?

Iwould think you can check on line.

How can I check my credit rating?

You can check with the three credit bureaus:

Experian

Transunion

Equifax

They will all give you your credit rating. If you have had credit denied then you can get a report free from all three.

How can I check my credit rating?

equifax.com is the agency most of the banks and creditors check when deciding weather to give you credit or not! you can pay a small fee and see exactly what they see on your credit report.

How can I check my credit rating?

One thing about freecreditreport and annualcreditreport. They won%26#039;t give you your scores for free, only your credit history. In this way you can check and see if there are any mistakes or oddities in the reports.

If you want the score, you have to pay. Or get someone else to do a credit check on you (like if you apply for a loan), and by law they have to show the report to you.

How can I check my credit rating?

hi jib

How can I check my credit rating?

go to www.freeannualreport.com and get a free report!

How can I check my credit rating?

there are loads of internet sites that will show you your credit rating but many will ask for a small fee for the service.

How can I check my credit rating?

try experian.com or equifax

How can I check my credit rating?

if you pay

How long is a columbus metro federal credit unioun check good for?

2009-08-09T05:17:00.000-07:00

I think until it is cashed unless the issuer posted an expiration date.

How do I check what credit card im using right now on iTunes? I can't find it!!?

2009-08-09T05:16:00.002-07:00

I need to find out how to see what credit card i%26#039;m currtently using on iTunes. We did it before but we can%26#039;t remember. So, can you help?

How do I check what credit card im using right now on iTunes? I can%26#039;t find it!!?

Go to iTunes. Close to the upper right of the screen, you will see your email address. Click on that and that should bring you to your account.

How do I check what credit card im using right now on iTunes? I can%26#039;t find it!!?

would your apple account be your itunes account or something like that?

What steps can I take to avoid credit or check card fraud?

2009-08-09T05:16:00.001-07:00

Make sure you don%26#039;t enter sensitive information into websites that you don%26#039;t trust.

Don%26#039;t lose your wallet/purse.

Don%26#039;t throw items of trash away that have your name, address, social security number and account numbers on them, confetti shred them or burn them.

Don%26#039;t give your information to strangers.

Check your credit report once or twice a year for mistakes and/or fraudulent items. Check early and frequently in the months leading up to taking out a mortgage for a house, so if there are mistakes you can get them off before you are ready to buy.

Don%26#039;t live with shady people who could steal your credit cards.

What steps can I take to avoid credit or check card fraud?

don%26#039;t do it, and you shouldn%26#039;t have to worry

How can i check my credit rating? (australia)?

2009-08-09T05:16:00.000-07:00

apparently i have a bad credit rating, but i have no idea why. i am squeeky clean and have allways paid all my bills, to my knowledge, how can i find out what my black mark is?

How can i check my credit rating? (australia)?

freecreditreport.com

How can i check my credit rating? (australia)?

check your local pop up

Where can i do a totally free credit report check at?

2009-08-06T22:04:00.000-07:00

www.annualcreditreport.com

Where can i do a totally free credit report check at?

Just go to www.annualcreditreport.com, answer the questions that you will be asked.. You will have three reports to chose from. You may check each report one time a year.

How can i check my credit card balance with out calling the company?

2009-08-06T22:03:00.001-07:00

because i had $500 on my card and i only spent $ 117.00 and after that my credit card has been declined

How can i check my credit card balance with out calling the company?

I can check mine online.

How can i check my credit card balance with out calling the company?

Usually the phone number on the back of the card is just an automated number that tells you the balance before giving you any options to speak to a person.

How can i check my credit card balance with out calling the company?

Set up an online account. It a great way to pay as well.

How can i check my credit card balance with out calling the company?

Credit cards usually have ways where you can track, and pay your balance online. I would search for your credit card provider%26#039;s website, make your own account with login name and password. After going through all that, you should be able to view what you have use the card for. Once you make a purchase, it usually takes 2-3 days to show up on your online account.

How can i check my credit card balance with out calling the company?

hmmmmmmmmm

call the number on the card

maybe somebody else used it

best to do debit cards instead

How can I check my credit report if I am under 18?

2009-08-06T22:03:00.000-07:00

I am afraid I might have some junk on it.

I tried annualcreditreport but my report would be inaccurate if I lie of my age and I couldn%26#039;t get it when I said I was 15.

And do not tell me I cannot have a credit report because if my name is being used for things then I can have junk on there.

How can I check my credit report if I am under 18?

Actually no.. you really CANNOT have credit untill you are 18.. . because if your under 18 you wouldnt have to pay because you would have been a minor when you got your credit cards or whatever.... If you have a credit report you should be able to get it.. https://www.freecreditreport.com/Order1....

How can I check my credit report if I am under 18?

Yea...if you have a credit report you can find out...shesh :oP

How can I check my credit report if I am under 18?

I don%26#039;t think you can even have credit under 18, unless you have a credit card that is co-signed by someone over 18 with good credit.

How can I check my credit report if I am under 18?

If you have a SS#....and you have a credit card and used it...there is an existing credit report on you. Try Experian.

Do mortgage companies check your credit more than once?

2009-08-06T22:02:00.000-07:00

We just applied for a loan on a new house. They ran our credit and that is good.Will they run it again before we close on the loan?

Do mortgage companies check your credit more than once?

No They Shouldn%26#039;t If They Do, You Should Look Into It Further. I Think It%26#039;s Illegal.

Do mortgage companies check your credit more than once?

If there is a long gap in between now and when you actually close. Yes they may run it again.

Do mortgage companies check your credit more than once?

Only if their is a long lag between the initial application and the closing. Otherwise no. And once you are all set and if you are a excellent customer and pay on-time you will actually go through a couple mortgage companies if not more through the entire loan. Other mortgage Co. will bid for your loan and buy it from your current company, they will make you aware if this happens, don%26#039;t worry. But this is only based on excellent loan paying history. Even then they shouldn%26#039;t run your credit report.

Do mortgage companies check your credit more than once?

I am a real estate agent, so I have had this question asked a lot. Yes they can run it again, if the time frame is long. If you apply for a loan, and it closes within a months time , no they shouldn%26#039;t run your credit, as long as they told you at the begining that it was fine. But if it takes longer than a month to get your loan closed they might have to run it again. But if your credit score is good, them running it one more time shouldn%26#039;t hurt you. Hope this helps :)

Do mortgage companies check your credit more than once?

Generally they run it the day before closing to make sure you haven%26#039;t taken out any large loans %26#039;recently%26#039;. I%26#039;ve heard of lenders running it as many as 3 or 4 times before closing.

Do mortgage companies check your credit more than once?

Hello Stephanie,

The true answer is that it depends on the type of program and the investor. Some investors will pull your report the day before closing as a QC (Quality Control); however, most do not. Other investors may pull a separate report if your mortgage professional uses a different reporting company (i.e. Kroll Factual Data vs. Landsafe).

The other answers about lenders repulling reports due to a time lag are correct. You are permitted 120 days to close a loan after credit is pulled (or 180 if it%26#039;s new construction).

My recommendation is keep doing what you%26#039;re doing. If you already have good credit then you are doing fine. Ask your mortgage professional is he or she anticipates the lender repulling your credit. I personally submit my loans to investors that typically do not repull a credit report for the reasons that you never know what can happen in 30 days.

Please contact me if you have any additional questions or concerns.

Do mortgage companies check your credit more than once?

Yes, they will run it a second time in most cases. If you%26#039;re working with a Broker, you can be certain that this will be the case.

Avoid Changes to Your Financial Profile During the Loan Process

Once your loan package has been sent to the lender, there are a number of things you should avoid doing that will change your financial picture. Remember, the lender is looking for stability and consistency. If you want the best interest rate, keep that in mind. Here are a few things to consider:

The lender is looking to see what your source of down payment is.

Your lender will most likely ask you to provide proof of your liquid assets. This includes bank statements for checking and savings accounts, verification of investments, and any other liquid assets. Some of the things they ask for may seem trivial, but keep in mind, if you are planning a move to a new home, it%26#039;s important to have all documentation readily available. If the lender asks for cancelled checks or deposit receipts to meet certain conditions, you want to be able to find these things quickly to avoid delaying the closing of your loan. Make sure your paper trail is easy to document, and don%26#039;t move money from one account to another.

Major purchases tip the scales against your favor.

Avoid making any major purchases. You might be thinking about purchasing new appliances for the new home. This is not the time to do it. Avoid making any major purchases on jewelry, appliances, furniture, vacations, or anything with a significant price tag.

Buying or leasing a car can make a negative impact on the way the lender views your financial status. This is a big ticket item that dramatically affects your debt-to-income ratio. You may feel you have room in your budget to purchase a new car, and think this is a worthy investment if you are looking for a home that will mean a longer commute for you on a daily basis. But by tacking a car payment onto your existing debt, you reduce the amount that you will qualify for in a home loan. A $400 a month car payment can reduce your approved loan limit by as much as $50,000. Think about doing this after your loan is approved if you really need it.

If you have to change jobs, you may be asked to document why this change occurred.

If you are changing jobs to increase your income, that%26#039;s a no-brainer for the lender. If you have an erratic work history to start with, another job change may make it look worse for you.

If you are an hourly wage employee, most likely a job change will have no effect on your ability to qualify for a loan. If you have a track record of a consistent amount of overtime or consistent bonuses over the last two years, the lender views this favorably. If you change jobs, there is no way of knowing if the new employer will pay overtime. Many do not! If you work on a salary + commission or straight commission basis, it has a dramatic effect on your stability. If you are considering starting your own business, again, this is something to consider after your loan is funded.

Call me directly for a free consultation. If you have any further questions. Also, here is a link to a Free report which will detail some costs that might not have been disclosed - http://www.freerealestatesecretssouthern...

Do mortgage companies check your credit more than once?

Let me break this down simply since I%26#039;ve seen a ton of convoluted answers.

If you use a broker, they will run your credit, and then the lender they submit the deal to will run your credit. If your credit package expires, meaning if you submit the loan, and the deal doesn%26#039;t close within 60 days (depends on bank or lender), they will pull another credit report.

If you go to a bank directly, they will pull one credit report. Again, if the credit package expires, (timeframe can vary by bank), another report will likely need to be pulled.

If you use services that compare rates of several banks like lendingtree.com, they may use several lenders all at the same time, causing multiple credit reports to be pulled. This has been highly scrutinized practice as it can hurt your credit score based on the high number of credit inquiries from lenders.

So to sum it up, usually only one credit report should be pulled with a bank, and two if using a broker. More if using a comparable service like Lending Tree. And if your original credit package expires, an additional report will need to be ordered.

Banks and lenders only order additional reports to cover themselves if you happen to open a bunch of new credit accounts during your application process, as this increases your risk as a borrower.

The key to avoid any problems is before and during the application, DO NOT apply for any new credit and pay everything on time, no questions asked.

For more information, check out:

http://www.thetruthaboutmortgage.com

Someone from a mortage company check my credit without me sign giving permission. On top of that, th

2009-08-06T22:01:00.000-07:00

he does not want to provide a copy of my credit report. What to do?

Someone from a mortage company check my credit without me sign giving permission. On top of that, they do not?

Anyone with a %26quot;legitimate business need%26quot; can gain access to your credit history. If you feel they didn%26#039;t have a legitimate reason to access it then you can file a complaint - however it

sounds as if perhaps you filled out a mortgage application therefore they do not need any other permission from you.

Only an employer or prospective employer needs your written consent to obtain a report. An exception is Vermont where any user needs your oral or written consent. In practice, most potential creditors ask for your permission to review your report. Your permission is not required when inquiries are made in connection with a pre-approved credit offer.

The three credit bureaus are a source of information regarding credit reports and credit reporting. See also their trade organization, the Consumer Data Industry Association, www.cdiaonline.org.

Equifax, Inc.

P.O. Box 740241

Atlanta, GA 30374

(800) 685-1111

www.equifax.com

Experian National Consumer Assistance

P.O. Box 2104

Allen, TX 75013-2104

(888) 397-3742

www.experian.com

Trans Union LLC Consumer Disclosure Center

P.O. Box 1000

Chester, PA 19022

(800) 888-4213

www.transunion.com

If they used the credit report to DENY you credit, you can ask for a denial letter but I do not believe they are obligated to provide you the report UNLESS you paid to have it done. If credit was denied because of the report you have the right to request a FREE copy of your report from whatever agency they requested the report from. They are however required to send you a denial letter with the name of the agency.

Good luck!

Someone from a mortage company check my credit without me sign giving permission. On top of that, they do not?

how did they get your ssn? if you gave it you gave permission and they can not provide copy of credit report only credit disclosure showing it was checked

Someone from a mortage company check my credit without me sign giving permission. On top of that, they do not?

You can contact any of the 3 credit bureaus and request that no one be able to check or look at your credit without your permission. It%26#039;s a feature they have where you can let them know. I don%26#039;t know all the specifics but there%26#039;s alot you can do with all that regarding your credit, just contact Equifax, Experian, or Transunion and they%26#039;ll let you know, or annualcreditreport.com to get a copy of your own and they%26#039;ll give you information too, or at www.ftc.gov/credit

Someone from a mortage company check my credit without me sign giving permission. On top of that, they do not?

By law he has to provide you a copy of your report if you ask based upon the Fair Credit Reporting Act. If you provide him with written notice that you want a copy. he has to provide it to you.

Someone from a mortage company check my credit without me sign giving permission. On top of that, they do not?

Go to the Credit agencies in your area. There are usually at least two of them, and you can find them on the %26#039;net.

Their web pages will have a form you can download, print out, and fill out. If you send a written request for your credit history and details, they must supply the information, and it will be free of charge.

You can then dispute any items listed that are inaccurate or unauthorized. The credit agency is obliged by law to make sure the information they have is accurate. If they persist in knowingly distributing false information the government can step in. You can also threaten them with lawsuits.

I have gone through the process and it works.

Can someone tell me the easiest way to check your credit rating?

2009-08-06T22:00:00.000-07:00

I tried Equifax and experian and they said they were having trouble getting the information, which I think was because she moved. What if she tried to get a credit card? Wouldn%26#039;t that mean her credit is good if she got the credit card? The reason we are so concerned about her credit rating is because some very poor friends of hers recently got 6 or 7 credit cards and we think they stole her identity. She is only 19 years old, what should she do? Should she go to a lawyer?

Can someone tell me the easiest way to check your credit rating?

You are allowed to get a free report, from each of the three major agencies.

Just go to www.annualcreditreport.com to get it.

Don%26#039;t confuse this one with the ones that charge you to join a service. This was set up to be free. You will not need to enter any credit card information.

Good Luck!!

Can someone tell me the easiest way to check your credit rating?

If she thinks her identity may have been stolen, she could contact the fraud phone numbers for each of the major credit bureaus. Even if she has gotten a free credit report this year from them, they will cooperate with her by sending her a copy of her report. They will require adequate information from her to prove that she is who she says she is, and I%26#039;d guess that%26#039;s why she%26#039;s having trouble.

She has other recourse if she believes her identity has been stolen. She can put a freeze on her credit file which will prevent anybody getting credit by way of that file without her directly giving specific permission.

She needs to make those phone calls to Experian, Equifax, TransUnion, now! Have her prepared to provide proof of her identity. The credit file will be mailed to her, so be certain that her address change has been provided to the Post Office.

Can someone tell me the easiest way to check your credit rating?

DONT GO TO FREECREDITREPORT.COM. They ended up charging me 25.00. actually the free credit report site is annualcreditreport.com freecreditreport.com will ask for a credit card number, then bill you for %26quot;triple advantage.%26quot; which is how you get the report in the first place.

Can someone tell me the easiest way to check your credit rating?

I%26#039;m totally confused by your question. What do you mean that Equifax and Experian are having trouble getting the information? It%26#039;s either there or it%26#039;s not!

If the problem is they are not sure of her identity, then she simply has to send the correct info...drivers license, SS Card, copies of utility bills....just follow the directions they give.

Once you have received the report you will quickly know if her ID has been stolen.

I see no reason at all to get a lawyer involved...the laws are quite clear on everything related to your credit.

If you need help contact me and I%26#039;ll walk you through all this.

I am not a lawyer or credit counselor, just someone who has been down this road before.

Can someone tell me the easiest way to check your credit rating?

Have you ever thought about how many people in our country don%26#039;t have a perfect credit score? You will surely be surprised to know that over 30 million Americans have a below average credit score. Boosting your credit rating takes some work. There is no quick fix to increasing your ratings. Repairing any damage takes time, but it also does not spell doom!

So what is credit rating anyways? It is a number given to assess and reflect your creditworthiness. Your credit score will be a number valued from 300 to 850. While numerous factors can be attributed towards this rating, your payment and debt history are more important than others.

To start with, you shall need a copy of your credit report. If everything in the reports is good, then you can be rest assured that you will have a good credit score. Getting your credit reports is easy and pain free. Actually you are permitted one free copy of your credit report, every year. Get all information about it at: http://www.credit-card-gallery.com/artic...

When someone is adding you to their bank account, does the bank check the added persons credit and c

2009-08-06T21:59:00.000-07:00

My fiance and I are planning on getting on the same account together. We decided to go through his bank account and he is just going to add me to his account. 6 years ago I apparantly had 2 hot checks out that I had written that i didnt take care of (i was a dumb kid i guess) so im worried that I wont be able to get added to his account because of my past? I have asked lots of people and get mixed answers! HELP!

When someone is adding you to their bank account, does the bank check the added persons credit and check hist?

My husband and I did the same thing before we were married and Bank of America ran my credit report (I was going on to his account). Your best bet would be just to call them and ask really

When someone is adding you to their bank account, does the bank check the added persons credit and check hist?

he should have his own account

he and you should open a new account for the both of you

and you should have your own account.

I%26#039;m not sure how you do it but you might want to

check Chexsystem.com and see if there is

anything on you. If not, then probably no

problems at all.

When someone is adding you to their bank account, does the bank check the added persons credit and check hist?

You may not be able to get added to his account until you clear these checks up. They run a check on your SS # and can tell if you owe money to other banks. Until these are cleared up, you probably won%26#039;t be able to get any account.

Can UK employers check overseas credit ratings?

2009-08-06T21:58:00.000-07:00

Applying for a job with a UK bank. I am Irish and had some difficulty with my overdraft awhile ago back home. Can they check this?

Can UK employers check overseas credit ratings?

when I needed my credit report I used this site. works really good.

Can UK employers check overseas credit ratings?

they might be able to, but i wouldn%26#039;t worry about it if it%26#039;s ok now and in the clear. My husband worked for a bank in the UK, we were up to our eyeballs in debt (but able to pay it) and also had problems with previous overdraft, but he was able to get and stay in the job.

How can I check my credit score with out affecting the score?

2009-08-06T21:57:00.000-07:00

I want to keep an eye on my score in the next few months how do I check my score with out affecting it

How can I check my credit score with out affecting the score?

Your score is effected every time your credit is checked. So there is no way to keep that from happening.

How can I check my credit score with out affecting the score?

You can%26#039;t.

How can I check my credit score with out affecting the score?

you can check your own credit score once a year without affecting it, as protected by federal law

there are websites offering this information (some are shady) or your bank can help (safer)

How can I check my credit score with out affecting the score?

There is only one type of credit inquiry that counts toward your FICO score and that%26#039;s when you apply for a mortgage, auto loan or other credit, you authorize the lender to request a copy of your credit report. Your own credit report requests, credit checks made by businesses to offer you goods or services, or inquiries made by businesses with whom you already have a credit account do not count toward your credit score. I personally go through www.creditmonitoring.citi.com and this allows me to view all three credit report along with my scores. If you decide to stay with the service, I think now its 12.99 they will give you an updated report each month so you know exactly where you are at. Also, a tool I found helpful because I wanted to improve my credit score was there credit analyzer, it has different scenarios that tell you if you are going to improving your score or not if you take certain actions such as paying down debt or closing out credit cards you no longer use. I hope that this works out for you and have a great day.

How can I check my credit score with out affecting the score?

there are two kinds of credit hits ,a soft hit and a hard hit. Credit report companys get a soft hit because of their contracts to provide credit reports from the three major agencys. i check my credit report every 45 days or so and have done so for about two years and it has never affected my score or shown on my report. i use www.creditreport.com and buy the 30.00 dollar one but thats niether here nor there , i think the home page will explain it also. go and check it out, the first report is free i think

How can I check my credit score with out affecting the score?

Most of these answers are making the mistake of effecting your credit REPORT not your credit SCORE.

You can always check your own credit REPORT and that will have no effect on your credit score.

To check your credit SCORE, you will have to pay a fee each time you want to see it, you can get discounts by subscribing to certain products offered by the CRA%26#039;s.

There are 3 different CRA%26#039;s (Experian, TransUnion %26amp; Equifax) and each one has a credit score and almost certainly all 3 will be different scores, hopefully they will all be close

Why do debt collection agencies check your credit??

2009-08-06T21:56:00.000-07:00

I have just viewed my credit report and have noticed a lot of debt collection agencies have pulled my credit. What is the purpose of this?

Why do debt collection agencies check your credit??

1) to gather asset information (to sue you)

2) to gather location information(to contact/serve you)

3) to check for open credit cards (ability to pay)

Why do debt collection agencies check your credit??

To see if you owe others, and what assets you may have.

Why do debt collection agencies check your credit??

Too see were they are on the list and how many other outstanding bills you have.....Also if you have a credit card they will assume you can pay them that way.....

Why do debt collection agencies check your credit??

because they are scumbags.. I hate them

Why do debt collection agencies check your credit??

Be more concerned about paying your debts than why collection agencies are looking at you. The fact that they are is nothing to be proud of.

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay o

2009-08-06T21:55:00.000-07:00

nope, that%26#039;s not a solution.

depends on how many cards u got. get a personal loan and pay off your credit cards. keep a credit card which may be handy and others give it away to bank.

in aus, the loan amount is credited to a linked savings account, so in this case it is advisable to transfer the remainder funds after paying off cards back to your loan account so it saves interest being build up.

and later on gradually pay off your outstanding loan amount.

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

nooo

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

All you%26#039;d be doing is moving the debt from one card to another.

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

never use those %26quot;checks%26quot;, no matter how %26quot;low%26quot; the interest UNLESS that check is the ONLY item on the account.

***

the details of all credit card accounts always say that all of your payments shall be applied to the lowest rate balances first and the highest rates balances last.

so what happens is all of your payments are applied to the low rate transferred debt, while all of your current purchases and related items accrue interest at 30% or whatever the high rate is.

This 30% is almost surely much HIGHER than any other debt you%26#039;d likely pay off.

WORSE, it gets you into paying interest on new purchases from the day of the purchase. well, the merchant has already paid interest for about the first 45 days -- so you are paying the bank DOUBLE interest for those days.

you NEVER want to have any continuing balance on any card that you actively use for purchases. ALWAYS pay off such cards in full to avoid paying the bank this DOUBLE interest.

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

They usually charge a fee. Check the fine print. But if the fee is less than the potential interest savings, then yes.

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

HELL TO THE NO!!!! Just pay it off a little at a time. Those checks are credit death traps!!!

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

No..your pay off credit with credit...your not getting anyways where you will still owe the money

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

why? you are only digging yourself for more debt...

2500 is not that bad compare to alot of people

why not just try to pay it off

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

Best would be to write a $2500.00 check to pay the balance in full.

Other than that if the new credit card is lower interest than the one with the balance it will help you.

Just pay it off as soon as possible.

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

wow i wish my debt were that low!! u have to be CAREFUL with those credit card checks, because they start accruing interest IMMEDIATELY-and it%26#039;s not as low as u think sometimes---the best thing to do is transfer the balance to a card that has the lowest interest and pay it off bit by bit

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

It depends. If you have a VERY high interest rate on one, and are getting a VERY low interest rate on the other, as a temporary measure it may be smart to do that. However, it must be stressed that this is only a temporary measure and you need to go back and pay it back.

The advantage of doing this is: You dont spend time paying interest and other fees, and get to paying the principal.

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

That would work, however...when you pay off that $2500 all money you pay will go towards that low interest amount. Any charges old or new will get the regular interest rate.

Read the fine print... best advice...Write the check...throw both cards away.

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

Well.... if the interest for the credit card check is lower (and REMAINS lower) than the original debt, I think it would be wise. BUT - read the fine print over and over.... low interest deals usually bite you in the butt with a jump in interest somewhere down the line. Like if you are one day late, your interest rate may jump way up.

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

Did you read your own question here? You NEVER pay off a credit card with another credit card. The idea of it is to get out of debt. If you do that you will be deeper in debt. Read the fine print on your credit statement. This time next year, that low interest credit card won%26#039;t be so low interest. DON%26quot;T DO IT!!!

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

noo

use your tax money

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

Yes, but do your research. Check out other credit cards that offer a balance transfer with a low interest rate (often 1.9% for up to a year). Then it gives you a chance to work hard at paying it back with very low interest charges. Otherwise, you will be paying interest at as high as 19% on your credit card..you are throwing money away. If you can find a card that offers a promotional interest rate like that, more of your payments goes towards the actual balance, instead of interest. Also, most importantly, if you do this, take your old credit card that will then have a zero balance, and close the account, and cut up the card. Take the new card and put it in a safe place (not in your wallet). Don%26#039;t carry it with you and do not use it until its been paid off. Otherwise you have to pay off the most recent charges first at regular interest rates, before you start paying the balance transfer with the lower rates.

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

Honey,

you are just going to be digging more holes for yourself.

2500.00 is not alot of money to worry yourself to death about, i am assuming you are still working, I would hold out on anymore credit card purchases/payments, and start paying off these cards one by one, which ever the minimum monthly fee is,, give a bit more than that to cut off interest/other fees.

It%26#039;s january, if you could pay, say 100. a month you, could cut your debt by nearly half, and nearly all by this time next year.

I would not use a low interest cc, and if the company is going to check your credit anyway, how are you getting a low interest one? Will this one be secured, or non secured?

and there is always other fees, like late fees which will jack up your c-debt in no time if late, even if you have a %26quot;low interest cc.

honeychild

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

well that depends on a number of things:

How high is the interest on the credit card with the balance.

What is your credit limit on new card

Do they have a balance transfer fee and how much.

After the low interest promotional rate what will the interest rate be?

Do you even plan on paying the new bank back.

if not then its a waste of time and effort.

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

Please please don%26#039;t do that to your self. I also am in credit card debt. I tried that method a year ago, and have regretted it every day since then. Those promotional interst rates look enticing, but usually there are some kinds of balance transfer fee attached and you actually end up owing more than you did before. Also read the fine print, the interst rate can depend on what you use the checks for. If you use it to consolidate debt they may not have to abide by the low rate they advertised. Please just do what I wish I had done along time ago. Pay the minimum amount due on all the cards but one. Take the one with the highest rate and pay every spare penny you can toward it., I know it sounds harsh, but I%26#039;m saying don%26#039;t spend a penny more than you have to with your budget. Don%26#039;t even buy gum. Pay the first one off, then start on the next one. Even with only 2500 it still may take a awhile, but it will be worth it. I started out with about 3k, I used one of those checks thinking it would make things easier and ended up with almost 7k in debt. The minimum payment may be alot higher also than the cumulative payment on having different cards. Having the payments spread out can actually leave you some room to get one of the cards paid at a time. I eventually joined a Debt Managment program, and I dont advise that either., Even though you are paying your bill on time they are still listed as negative accounts on your credit report for 7 years. And my balances never really got any lower either. I close on my home refi today. That%26#039;s what I did to get myself situated. That brings up a whole new option. If you have good credit or someone that may cosign for you, it seems like you may be able to refi something you have a vehicle etc.. Alot of times the interst rate on something like that is alot lower with a secured loan. I know 2500 seems like alot but don%26#039;t despair you can get out if this and be the wiser for it. Good Luck!!!

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

After reading all the fine print, the rational analysis might say that paying off one card with another is to your advantage.

However, please remember that it was not rational to carry a $2,500 balance in the first place. My concern would be that if you paid off the high interest rate cards, you would be tempted to start charging again. So here%26#039;s my advice. It%26#039;s strange, and you can do what you want: Destroy all your credit cards now (or hand them to your parents or a trusted person who%26#039;s good with money for safekeeping). Then pay off the $2500 cards, always being sure to pay at least the minimum payment (and hopefully, 10-20% of your gross income to pay off the cards). When you get out of debt in a few months, you will have a valuable appreciation of how credit works, worth far more than any interest you might have saved. At that time, you can seek the lowest interest rate cards, but never carry a balance again. That%26#039;s a bright future!

I owe $2,500.00 on credit cards. Would it be wise to use a credit card check w/low interest to pay off debt?

It would be wise to use cash to pay off debt.

Where can i find a site for free credit rating check?

2009-08-06T21:54:00.000-07:00

www.myfico.com

Where can i find a site for free credit rating check?

https://www.annualcreditreport.com/cra/i...

Where can i find a site for free credit rating check?

You have got to ask yourself, whats in it for the company pulling your credit report, why would they do it for free if it costs them money to obtain the information?

Some of the companies sell your information, or use your information themselves to offer you other products or services.

The alternative and much safer option is to talk to your bank.

Depending on which bank you go to, Wells Fargo and Washington Mutual come to mind, will give you a credit report for free. Home mortgage divisions of banks also give out free consulations on your credit status and whether you will qualify for a home mortgage, at no cost.

Is there a website where I can get a free credit number check without having to give them a credit c

2009-08-06T21:53:00.000-07:00

You can also get it for free in the mail. Credit bureau reporting agencies are requred to provide you one free every year. Remember, there are 3 reporting agencies.

Is there a website where I can get a free credit number check without having to give them a credit card #?

Yes. The only one that is completely free is AnnualCreditReport.com it is sponsored by the government.

Is there a website where I can get a free credit number check without having to give them a credit card #?

Yes, annualcreditreport.com

Can I add a Personal Line of Credit to my Commerce Check Card?

2009-08-06T21:52:00.002-07:00

I opened a new checking account with Commerce Bank. Previously I had an account with Chevy Chase along with a personal line of credit to protect me from any overdraft fees up to $500. Does Commerce Bank offer this?

Thanks!

Can I add a Personal Line of Credit to my Commerce Check Card?

I would call them and ask.

http://bank.commerceonline.com/

Are there any insurance companies in Ohio that offer motorcycle insurance without credit a check?

2009-08-06T21:52:00.001-07:00

i got geico...

Are there any insurance companies in Ohio that offer motorcycle insurance without credit a check?

mine is from State Farm

Is there an online web site to check your credit rating for free?

2009-08-06T21:52:00.000-07:00

I have searched online for a free credit report, but have not found an actually free detailed report. The reason I ask is I messed up in initially paying back my student loans, and I know it has affected my credit rating, but not sure to what degree. I was apporved to lease a car, get a cell phone, but declined for a credit card, so I would like to know why.

Is there an online web site to check your credit rating for free?

www.annualcreditreport.com

You can pick from the 3 major creditors.

Is there an online web site to check your credit rating for free?

no but you can call any agency and get a free report sent to you in the mail

you%26#039;re allowed one free report a year unless you get turned down for credit or something

Is there an online web site to check your credit rating for free?

annualcreditreport.com

Is there an online web site to check your credit rating for free?

a free report is available through http://www.annualcreditreport.com

You can see additional information at the Federal Trade Commission website here:

http://www.ftc.gov/bcp/conline/pubs/cred...

Is there an online web site to check your credit rating for free?

yeah, there is

Is there an online web site to check your credit rating for free?

You can order it through the mail from

Equifax: http://www.equifax.com/EFX_Canada/consum...

and Transnion: http://www.tuscores.ca/content/page.jsp?...

Is there an online web site to check your credit rating for free?

http://annualcreditreport.com is correct for free credit reports and is the sanction web sight conforming to federal law. These reports are detailed and accurate.

freecreditreport.com is a .com company using a play on words to get you to their sight.

Your credit rating, as your question implies, is not free. And, in order to obtain correct scores you need to go to each individual credit bureau for the correct score they are reporting. I have found independent sources to reflect inaccurate credit scores.

Law makers are in current discussion to set costs for aquiring credit score information. They are discussing amounts of $5 to $7 per score per agency. This would indicate a cost of $15 to $21 for all three scores.

Free reports, Scores are not free

Anyone know a site where I can check my credit score for free with out having to enter a credit card

2009-08-06T21:51:00.002-07:00

Hey anyone out there know a site where I could see my credit score for free. I keep finding these so called free sites but, it%26#039;s not really free if you have to enter your credit card infor for a free trial. Especially when its only for a certain period of time and then it expires and they charge you for it. Anyone know?

Anyone know a site where I can check my credit score for free with out having to enter a credit card fir trial

annualcreditreport.com The other credit report web sites are ripoffs.

Anyone know a site where I can check my credit score for free with out having to enter a credit card fir trial

AnnualCreditReport.com doesn%26#039;t give a %26#039;score%26#039;, they just give a report. You still have to go with Experian or others to get a score..everyone charges after the trial period to my knowledge.

thanks,

Why do so many prospective employers want to check your credit record?

2009-08-06T21:51:00.001-07:00

What do my credit worthiness, credit standing, and credit capacity have to do with my qualifications for a job? All an employer needs is my employment history - did I actually work where I said I did, and my criminal background - did I embezzle millions from the company, and my education. Things like %26quot;general reputation%26quot;, %26quot;mode of living%26quot;, %26quot;personal characteristics%26quot;, and %26quot;judgements against me%26quot;, (All of these are items on a job application I picked up the other day) have nothing to do with whether I%26#039;m qualified for a job. My credit rating doesn%26#039;t tell you if I can run a computer, or repair a car, or anything else. Why do they want this information?

Why do so many prospective employers want to check your credit record?

I agree with you 100% . Perhaps these busybodys would like to have their personal affairs analized and dissected. I think not. Life is tough enough as it is without the added aggravation. These prospective employers are not worth the time of day. Keep your business to yourself and you%26#039;ll be much happier.

Why do so many prospective employers want to check your credit record?

Keep the faith. Good luck and best wishes.

jc Report It

Why do so many prospective employers want to check your credit record?

These things can help them determine your character and if you have a good work ethic. Also, if you have a past history of skipping out on landlords, or bills, you might do the same on a job. If you have embezzled money or had anything like that in the past, you wouldn%26#039;t be put in charge of money. If you owe a lot of money on credit cards, or have judgements against you, you might be more prone to steal from the company to pay off debts, etc etc etc. Get used to it-everyone asks for it now.

Why do so many prospective employers want to check your credit record?

Your credit score is going to tell your future employee if your responsible or not. If you don%26#039;t care about paying your credit car bill or car payments on time, why would you care about showing up to work on time or come at all? The credit report is an unbiased summary of your responsibility, something that your references from your resume may not be.

Why do so many prospective employers want to check your credit record?

Because the prevalent wisdom is that if you cannot handle your own finances responsibly, how can you possibly handle our responsibilities? In the era of loss prevention, employee embelzelment and outright employee theft, we want to make certain that you have no reason financially to be dishonest. Particularly, in positions where an employee is handling money, accounts receivable or accounts payable, employers want to ensure that employee will honestly perform those duties and has no personal impetus to steal, set up shell businesses in which to funnel funds or otherwise siphon off monies to meet personal obligations.

Why do so many prospective employers want to check your credit record?

They are concerned that if you are in financial difficulties, you may have your wages garnished or similar, which will cause them addtional paperwork. Many companies are concerned about their image, particularly in financial services: banking, insurance, etc., which would be harmed by having employees who are questionable. Some of that may be technically illegal, by the way, but hard to enforce.

Why do so many prospective employers want to check your credit record?

Depends on the company and job. For example: A bank would not want to hire someone working with cash who has severe monetary problems.

Why do so many prospective employers want to check your credit record?

Personal credit is an indicator of character. If you pay bills timely, it suggests that you honor your obligations (and would honor your role as an employee).

Why do so many prospective employers want to check your credit record?

Actually your credit record does tell a lot about you. Maybe not if you can turn on a light switch but if you pay your electric bill when you do. I personally wouldn%26#039;t hire or even trust someone that has numerous outstanding debts. Your credit report shows how trustworth of a person you may be. If you don%26#039;t pay your bills you are esentially stealing from your creditors, and who wants a thief working for them? An honest person that has debts would contact their creditors and make payment arrangements and therefore not have a negative credit history. Your employer doesn%26#039;t want someone who has 5 credit cards maxed out running a cash register or handling their finances.

Why do so many prospective employers want to check your credit record?

because if your deep in debt your more likely to embezzle/ steal from me..your employer..

Why do so many prospective employers want to check your credit record?

I believe it is to see if you are badly in debt and financial trouble, as to calm them of their fears of being robbed. I think also it has to do with what kind of person you are. If you are responsible and able to meet deadlines. I also believe that it is a reference to your charactor.

I am Canadian. How can I check my credit online for free or by phone?

2009-08-06T21:51:00.000-07:00

I declared bankruptcy about 15 years ago; will it still be on record? I%26#039;ve never had a credit card. I now need to establish credit.

I am Canadian. How can I check my credit online for free or by phone?

There are two organizations that house your credit file in Canada; Trans Union and Equifax.

You can get your file immediately by paying a fee of about $15 or you can get it for free by requesting it by mail. It takes about 2 to 3 weeks to get your credit report back.

See the links below for more information.

Also, if you see incorrect information on your report you have the right to have it corrected promptly. I have provided links to do this as well.

I hope this helps!

I am Canadian. How can I check my credit online for free or by phone?

Check your Canadian credit report online. There may be a fee, I%26#039;m not sure.

I am Canadian. How can I check my credit online for free or by phone?

i don%26#039;t know how to check your credit but no, a bankruptcy will not still be on there... and yes, you do need to reestablish credit... freecreditreport.com is what i use.. don%26#039;t know if they keep up with candians also...

Will a bank or financial institution always check your credit history before to hire?

2009-08-06T21:50:00.003-07:00

I%26#039;m looking for a job opportunity in a bank or financial institution, but my credit had been affected. Will they always look for my credit? I have some experience in finance and I will like to continue working in this field in Florida. I will highly appreciate any good suggestions or a company that won%26#039;t take credit issues in consideration for hiring purposes.

Will a bank or financial institution always check your credit history before to hire?

If they are reputable, they have to run a credit check on you to show due diligence in preventing fraud or embezzlement. After all, you will be dealing with large sums of money, and it can be quite tempting if you%26#039;re in dire financial straits.....

Will a bank or financial institution always check your credit history before to hire?

Yes, most big corporation that deal with money will check.

Will a bank or financial institution always check your credit history before to hire?

Most %26quot;positions of trust%26quot; will look at your credit history, including banks and government jobs.

They look at people with poor credit as easier to bribe, and more likely to steal if they are in financial trouble.

But they usually do not look at it in the same way as creditors do. If you had bad credit a few years ago, but you are current at the time of application, then it would probably be OK.

How am I suppose to check my credit score? I've been to.....?

2009-08-06T21:50:00.002-07:00

freecreditreport.com, truecreditreport.com, annualreport.com and they are ALL USELESS!. All they do is collect your info and thats it nothing else. They say nothing about what my score whether its 600, 700, 800. I don%26#039;t know but the meaning of the word free means you DO NOT pay. But they say I have to pay $5, $6, even up to $10 to get your report. But I don%26#039;t want to know what my report is, I already know that I just want to know what my credit score is, thats all is that too much to ask for!

How am I suppose to check my credit score? I%26#039;ve been to.....?

To get a free ESTIMATE of your fico score, go to http://www.myfico.com/ficocreditscoreest...

You can%26#039;t get a FREE credit score. Everyone charges for the score. There are some %26#039;free%26#039; trials but you give your credit card number at the beginning, and if you don%26#039;t cancel in 30 days, you%26#039;ll have to pay a monthly fee forever (until you cancel the service)

You can get free credit reports (different from a score) at https://www.annualcreditreport.com/cra/i...

I hope that helps.

Additional comment:

Ordering your credit score directly from one of the credit reporting agencies does NOT lower your score.

If you%26#039;d like to learn more about your FICO score, this link: http://www.fairisaac.com/NR/rdonlyres/DA... is to a pamphlet put out by Fair Isaac Co. (the company that designed the FICO score)

How am I suppose to check my credit score? I%26#039;ve been to.....?

TFBA Report It

How am I suppose to check my credit score? I%26#039;ve been to.....?

www.annualcreditreport.com

I have heard that this one is much better than all the rest, and it%26#039;s free. I haven%26#039;t tried it yet, but plan to.

How am I suppose to check my credit score? I%26#039;ve been to.....?

http://www.myfico.com/ -You can get your credit report AND your credit score there.

Freecreditreport.com gives you 1 free credit report per year but NOT your credit score. Those are two different things. The credit report is free but you%26#039;ll have to pay around $5 if you want your credit score.

How am I suppose to check my credit score? I%26#039;ve been to.....?

Yes, a credit report - detailing your history - can be requested from the 3 major credit companies once a year (per company) as designated by law. However, to get your actual score costs a nominal fee.

I would advise checking your credit score too often, though, as checking it causes it to drop a bit.

How am I suppose to check my credit score? I%26#039;ve been to.....?

You can get a free report from each of the reporting agencies at annualcreditreport.com. The credit score is different and you will have to pay between $5-10 for it. The best place is myfico.com.

How am I suppose to check my credit score? I%26#039;ve been to.....?

Call you local bank and ask them a secure way. you will ahve to pay for it though.

How am I suppose to check my credit score? I%26#039;ve been to.....?

call a mortgage lender or bank and talk to them like you want to refinance. They will pull your credit. They are not supposed to give you a copy but with a little coaxing, you can get it. At the very least, they will tell you your scores.

How am I suppose to check my credit score? I%26#039;ve been to.....?

There is nothing free. The more you check the lower your score will be so becareful. The only way to get it free is to apply for a mortgage loan. Then aproved or not aproved, you have the right to ask for your credit scores, normally would be the average of 3 major credit report companies.

How am I suppose to check my credit score? I%26#039;ve been to.....?

AnnualCreditReport.com is the only place to get your free credit report from each credit bureau. It%26#039;s set up for just this purpose. All the other sites give you a free 30 day period after signing up for some kind of monitoring service -- which can be very difficult to cancel.

You are entitled to a free credit report but you have to pay for your score. There isn%26#039;t any place to get a free score.

Do Las Vegas rental apartments require first,last,security,credit + background check like where I�

2009-08-06T21:50:00.001-07:00

Probably. However, some apartments have like a $250 security deposit, some have cleaning fees, etc.

www.apartments.com

www.rent.com

These will tell you the security fee.

Do Las Vegas rental apartments require first,last,security,credit + background check like where I%26#039;m from?

it really depends on the apt. very few places require first and last out here. if someone could come up with that kind of scratch they might as well put a deposit on a house. most apts. will require a security deposit, cleaning fee, first month%26#039;s rent and sometimes a credit check fee. if you shop around apts. are always offering deals. they often waive or discount the first month%26#039;s rent. some will waive the security deposit for various reasons. and many waive the credit check fee. the only one you usually can%26#039;t get out of is the cleaning fee.

Which car insurances don't check your credit?

2009-08-06T21:50:00.000-07:00

Is there anyway you can still get car insurance if you have bad or no credit? Which insurance agencies are more leanient?

Which car insurances don%26#039;t check your credit?

UNLESS the state you live in prohibits this practice, none of them. Only a few states forbid this practice.

Which car insurances don%26#039;t check your credit?

They all check. Your credit rating is a pretty good indicator of your attitude towards those things monetary. Not paying your bills to the point where you are taken to collections, or being 60 or more days behind for example would be a red flag.

%26quot;Yes, we will insure you, but not allow monthly payments.%26quot;

Where's the best place to check your credit score?

2009-08-06T21:49:00.002-07:00

I know a lot of websites offer this service, but isn%26#039;t there a free website where the govt. allows you to check your score once a year?

Is this safe, or could a computer hacker get in and get your data while viewing this site? And also does checking your score cost you points?

Where%26#039;s the best place to check your credit score?

you could go to Annualcreditreport.com. The gov does allow you to see your credit score annually but there is NO place that gives you the score for free. I think on this site it cost 5 bucks or something. When you choose a credit reporting company don t go with Experian cause they are a bunch of dumb a*sses!

Good luck!

Where%26#039;s the best place to check your credit score?

Save your money.

If you have to check, your credit isn%26#039;t good.

Where%26#039;s the best place to check your credit score?

www.annualcreditreport.com its government recommended...i just ran mine through there 3 days ago :)

Where%26#039;s the best place to check your credit score?

https://www.annualcreditreport.com/

It%26#039;s secure (you can tell by the https://).

Where%26#039;s the best place to check your credit score?

www.equifax.com or www.experian.com

Where%26#039;s the best place to check your credit score?

I signed up for a Providian Visa credit card (which has recently changed to Washington Mutual) because they give you an updated FICO score for free each month. They report the information from TransUnion. It%26#039;s safe and free.

Where%26#039;s the best place to check your credit score?

https://www.annualcreditreport.com/cra/i... is encrypted, safe.

Where%26#039;s the best place to check your credit score?

annualcreditreport.com

The reports are free but you have to pay for the credit score. It%26#039;s worth it.

Where%26#039;s the best place to check your credit score?

Once a year you can get a free coy of your credit report at www.annualcreditreport.com.

While you are at it, you might want to pay the couple extra bucks to get your score included as well.

Where%26#039;s the best place to check your credit score?

go to http://annualcreditreport.com try to use in at 3:00 A.M since it is always busy. here you can get a credit report but not a credit score. you can also go to www.experian.com

Where%26#039;s the best place to check your credit score?

GO TO %26quot;FREECREDITREPORT.COM%26quot; YOU CAN REQUEST YOUR CREDIT

RATING FROM THE 3 LARGEST CREDIT REPORTING AGENCIES IN THE US. AFTER YOU RECEIVE THE CREDIT REPORT, YOU WILL THEN HAVE AS OPPORTUNITY TO RECEIVE YOUR CREDIT SCORE, BUT THIS PART IS NOT FREE, IT WILL COST YOU $6.95. STILL A WHOLE LOT CHEAPER THAN ANY OTHER METHOD THAT IS LEGAL AND MORAL.

Where%26#039;s the best place to check your credit score?

Use:

http://www.annualcreditreport.com

It%26#039;s free to get your credit rports. You can either print them out, or have them mail it to you. You can order your credit score for like $5.

Don%26#039;t use freecreditreport.com. You have to sign up %26amp; pay for something.

Where%26#039;s the best place to check your credit score?

WHY PAY ? ANY CAR SALESMAN WILL BE HAPPY TO DO IT FREE.

Is there anywhere i can check my credit score for free online?

2009-08-06T21:49:00.001-07:00

Like really free, not putting in my credit card number by signing up for a free trial of something. Please help!

Is there anywhere i can check my credit score for free online?

AnnualCreditReport.com will NOT give you your credit score for free. I have yet to see a site that will. However, I got my credit score from Experian through AnnualCreditReport.com this weekend for only $5.95. I thought it was worth it.

Is there anywhere i can check my credit score for free online?

www.annualcreditreport.com%26#039;s credit score -- or at least Experian%26#039;s -- is bogus. It doesn%26#039;t represent anything a lender would use. Best go to http://www.myfico.com and get it straight from the horse%26#039;s mouth for $15. Report It

Is there anywhere i can check my credit score for free online?

freecreditreport.com

Is there anywhere i can check my credit score for free online?

www.annualcreditreport.com/

It%26#039;s now law that every person can receive 1 credit report (not score though) from each of the three credit bureaus once a year. You can spread them out and get 1 from equifax, then in 1 from transunion in four months, then 1 from experian in another four months. That way you can keep track of you credit report regularly. You can also just get all three reports at once, but you%26#039;ll have to wait a year to have free access to it again.

Is there anywhere i can check my credit score for free online?

www.annualcreditreport.com as long as you fall within your states rules.

How many times does a mortgage company check your credit?

2009-08-06T21:49:00.000-07:00

I was pre-approved for a loan about a month ago, I am now in escrow (close in 2 more weeks) and I just found out that my credit score went down. Will the mortgage company pull another credit report on me?

How many times does a mortgage company check your credit?

credit reports are good for 60days....and can be checked before closing date.

they do this because soo many ppl buy a new car, new furniture, etc RIGHT BEFORE CLOSING then they dont qualify!!!

your score should%26#039;ve dropped only 5-6 points which isnt a big deal, but if you have been using your credit cards..then you know why it dropped!!

How many times does a mortgage company check your credit?

If you have been Pre-Approved for the loan, I don%26#039;t see why they would. I would certainly question them if they do.

Congratulations on your new home !

How many times does a mortgage company check your credit?

In this type of situation (pre-approval) it%26#039;s checked at least twice. Once for the pre-approval and once when the actual mortgage is processed. Keep in mind, they can check as many times as they want. They can check your credit on the day of settlement and refuse the loan at the settlement table.

How many times does a mortgage company check your credit?

the mortgage company the bank will pull you credit most likely once with the broker but the bank might run it right before the closing but most likely once to

How many times does a mortgage company check your credit?

By Federal law thay can not check your credit for 30-days after they check it the first time.

If Health Insurance Companies don't check your credit, why is it written in the fine print that

2009-08-06T21:48:00.002-07:00

And if so can they deny you health coverage based on a negative credit score? I am very worried.

If Health Insurance Companies don%26#039;t check your credit, why is it written in the fine print that they might?

They do that because they want to reserve the right to do it, should your medical claims be of question. Unfortunately, it has been shown that people that have a poor credit score might have related health insurance issues of nonpayment and such. Not necessarily fair, but the way it is. Hmmm, seems like perhaps the health insurance providers might consider the fact that if you have a major medical problem, you might also have trouble paying your bills because of it? More and more things are being tied to your credit score-health insurance, jobs, etc. so it is VERY important to have good credit-or if you don%26#039;t, to clean it up.

If Health Insurance Companies don%26#039;t check your credit, why is it written in the fine print that they might?

They DO check your credit. I%26#039;ve never heard of them denying coverage based on you credit score, but a low score may increase your premiums.

Which website, is absolute free to check your credit score?

2009-08-06T21:48:00.001-07:00

I know there is only one goverment web site for cridit check. What is it? Once i used one website, and then they were charging me $12.00 each month.Please help.

Which website, is absolute free to check your credit score?

Sorry these folks are confusing you. Annual Credit Report .com does NOT give you a credit score -- what they give you is a credit report which is not the same thing. In order to get your credit score you%26#039;ll have to pay something. At present there is no free service that gives credit SCORES. I know of a service that gives you a free 30-day trial which includes your credit score. Message me on answers if you want the promo link.

Good luck!

Which website, is absolute free to check your credit score?

You can get your credit reports free once per year at www.annualcreditreport.com. You have to pay the credit bureaus if you want the actual FICO score.

It is not a government web site. It is a site set up by the credit bureaus to comply with the law.

Which website, is absolute free to check your credit score?

This is the website that the government recommends. I think you can get one free copy per year with this website :)

https://www.annualcreditreport.com/cra/i...

Which website, is absolute free to check your credit score?

You can get free credit reports, but I am almost sure you have to pay for credit scores.

Which is better to pay by check or credit card?

2009-08-06T21:48:00.000-07:00

I am planning to enroll in the summer quarter this year. Here is my situation, I have a chance to pay the tuition online and get charged with a fee, or I could wait until monday and pay by check. I want to hurry up and the fee, but I don%26#039;t want to pay it late.

Which is better to pay by check or credit card?

Definitely to pay by check......this way you won%26#039;t have to pay interest charges on a checking account like you do a credit card.....another thing to do is if the purchase if $15.25 round it up to $16.00.....do this with each purchase and when your bank statement comes in figure how much you have saved and put it into a savings acount....for instance, on that purchase, you have 75 cents extra...this may give you a little cash each month to fall back on.....another thing is to get checks with carbon...this way, if you forget to post a check, you won%26#039;t have to worry because the carbon will have the amount on it! Best of luck and start early saving!

Which is better to pay by check or credit card?

Pay with credit card. As long as its a secure payment site, go for it... you will know if its secure if theres a little lock in the corner.

Which is better to pay by check or credit card?

do it with plastic money so you are sure everything will be ok

Which is better to pay by check or credit card?

my guess i think check is better because credit card could problems.

Which is better to pay by check or credit card?

credit card閿涘函绱熼敍搴礊閿涘尅绱為敍搴礋閿?br>Which is better to pay by check or credit card?

if you pay by credit card it is much faster, and then you know you will be guranteed the classes in which you are registered for. or you could always use a debit card too, that will act like a check but be automatic like a credit card.

Which is better to pay by check or credit card?

Why, fee a check is better, and with a fee with your creit card you are paying to things the charge on the card and the fee, thing about it the check is cheaper!

Which is better to pay by check or credit card?

I f I were you I would pay in credit card.As long as you know it is safe you will be alright

Which is better to pay by check or credit card?

Credit Card!!!

Which is better to pay by check or credit card?

Pay on Monday by check and get a dated reciept of payment. Always avoid using a credit card on-line when possible. Also, The school will recieve the full amount of money instead of paying a 1-3% credit card fee.

Which is better to pay by check or credit card?

Check. They tend to be safer and more free of problems.

How much is too often to check your credit report?

2009-08-06T21:47:00.002-07:00

I know if you check it too much it can be bad.

How much is too often to check your credit report?

I think they recommend to check it once every 6 months. I wouldn%26#039;t do it more than that...there are sights that you can check it once a year for free. I think annualcreditreport.com is the right site.

How much is too often to check your credit report?

More than once a year

How much is too often to check your credit report?

Every two weeks is to often. Take it down to twice a year...

How much is too often to check your credit report?

You don%26#039;t get dinged for making inquiries into your OWN report. You will lose points if potential creditors make too many inquiries.

You may want to make a full check once or twice a year ... but, it is not a bad idea to belong to one of the credit reporting agencies alert systems so you know if credit is being opened in your name. I belong to Equifax credit watch so I can keep track of any potential fraudulent activity.

How much is too often to check your credit report?

Once a year. and its free. Check any more than that and your credit score will drop.If you apply for alot of credit cards,bad. you credit will drop approved or not

How much is too often to check your credit report?

YES EVERY TIME YOU CHECK IT ARE SOME ELSE DOES IT TAKES POINTS AWAY. AND THAT%26#039;S NOT RIGHT.

How much is too often to check your credit report?

To the best of my knowledge there is no hidden penalty for checking ones credit score. Please correct me if I am wrong.

However, there are penalties when you apply for multiple loans at the same time, so watch out for this if you are ever %26quot;loan surfing%26quot;

How much is too often to check your credit report?

Personally I would advice checking your credit report about every 5-6 months. Every 3-4 months would be too often and would drive your credit score down (too many inquires), Unless you feel that your personal information has been compromised.

How much is too often to check your credit report?

Checking your score yourself is %26#039;Soft%26#039; no points are deducted from your FICO score, but the one answerer is correct apply to monitoring agency and get a hard report once a year, that is standard, now if you are monitoring because your information was compromised then once every two months should be good to catch anything.

How much is too often to check your credit report?

I used to be a financial counselor so I can answer this from experience. Checking your own credit report does NOT affect your credit score. You could check it every day if you wanted and it would not lower anything. The only time your credit score IS affected is when you are applying for credit or a loan. In that case the creditor would be checking your score for approval. This DOES affect your score. In my opinion checking once a year is sufficient, unless you are making sweeping changes with payoffs and property etc. If you go to www.annualcreditreport.com you can check your report up to 3 times (once per company) a year. Luckily this was provided by legislation which allows consumers to check. All you have to do is pay a little extra ($6-10) if you want an actual score. But its well worth it!

How much is too often to check your credit report?

once every 2 years. look over report, and file a discrepancy in what%26#039;s there.

How much is too often to check your credit report?

Your credit score is not affected by you checking your credit report. No credit agencies have access to how many times you%26#039;ve run your own report.

Having said that, I run my report and score once every quarter.

How much is too often to check your credit report?

Everday! :) Really, once a year sure be fine.

How likely is it that an employer will check your credit report before offering you a position?

2009-08-06T21:47:00.001-07:00

For extra points, has anyone you know (or you) been denied for admission to a state%26#039;s bar due to bad credit (i.e., a charged off student loan)?

Why is the mysterious credit world so scary?

How likely is it that an employer will check your credit report before offering you a position?

It%26#039;s scary because it is so easy to get sucked in and then sucked under the tow, so to speak! The more Lucrative the Position, anything Entry Level Management on up, will always check, some care and some are easier about it if you just explain. But Fast Food probably wouldn%26#039;t because they wouldn%26#039;t want to pay for the extra expense. Server positions, Positions of that nature, probably would not check. My theory on this is: If you are Meant to Get the Job, You Will. If Not, then You would Probably do Better to Find Another Job Anyway! Some people actually do believe that if you have bills to pay then you are more likely to want to keep your job to pay them, than those who don%26#039;t have credit issues. Good Luck!

How likely is it that an employer will check your credit report before offering you a position?

very .. oh ****, worried their going to find out, you%26#039;re behind in your trailor mortgage?

How likely is it that an employer will check your credit report before offering you a position?

These day, very likely!

How likely is it that an employer will check your credit report before offering you a position?

Many companies do it. Especially if you work for a bank or work in a company where you are around large sums of money or merchandise.

How likely is it that an employer will check your credit report before offering you a position?

It seems they all do credit checks now, though they won%26#039;t deny anyone a job, regardless of credit standing.

How likely is it that an employer will check your credit report before offering you a position?

If you are in a position where you handle money or a position of trust then YES, they will check..

How likely is it that an employer will check your credit report before offering you a position?

There are more employers checking potential employee%26#039;s credit before making a job offer. Some feel that a person%26#039;s credit score tells a lot about them. They can also easily check previous employers. If the job entails handling money then it becomes more critical. I don%26#039;t know of anyone who has been denied admission to the bar because of a poor credit rating. They could be denied employment working for a law firm. As far as I know, the only reason someone could be denied admission to the bar is if you have a crimminal record, and that may not be an automatic disqualifier. The only time a charged off student loan w]should prevent someone from getting a job would be if that job involved working for the Federal Government. Credit is scary to many people because they don%26#039;t understand it. Most people have no idea of how a credit score is calculated, even those who regularly use it to make credit decisions. Americans are so fixated on their credit score, but in reality, we would likely all be better off if we waited to make purchases until we had the cash to do it. Although it is difficult to imagine today, until about 40 years ago, credit wasn%26#039;t widely used in this country. If someone wanted to borrow money, they would go to the bank and get a short term loan. Most would only borrow to purchase a home or car. Credit cards didn%26#039;t come into vogue until probably the early 1970%26#039;s. Credit cards are the primary reason so many people get into financial difficulty.

How likely is it that an employer will check your credit report before offering you a position?

YES, in today%26#039;s job market if you have a low credit score you can be denied employment.

I do have a friend who passed the bar, but was denied admission to Fl bar with a credit score of 416. She went to the state of Georgia and is a practicing lawyer now.

As for the credit world so scary, well they look at you like, you have overdue bills, charge offs and repos then your not a good person. If you have bad credit then you are also a risk for theft. (yes I was told that in an interview)

I look at it like this, my credit is already a wreck so I do not need to steal to pay bills, if my credit was closer to perfect then I would probably steal to pay my bills to protect my rating.

How likely is it that an employer will check your credit report before offering you a position?

Many company do the background check and credit report check for their knowledge. It is not about discrimination, but it is to get to know who is coming to be involved in their company.

Would you invite a stranger in your house just for a dinner?

Of course, we need to know who are we meeting ...

Credit report can predict how responsible you are, nothing more serious than scary. The reality is that the company wants to know you by evidence you left behind, and select you according to their purposes . If we fail giving credibility, how can they trust us with their project, money, and the job to come?

Of course, it is a disadvantage to those who has no income for their bills, and fail to manage to negotiate.

But, the big companies are just looking after their business, not yours or my struggles.

How likely is it that an employer will check your credit report before offering you a position?

Unlikely. Maybe 20%. You can get sick and owe a bunch of money through no fault of your own.

No, I don%26#039;t know anyone that%26#039;s been to that type of bar.

How do you%26#039;ll give extra points? Does that mean that you are only going to give a best answer on this part of the question?

OK! The rest of you - just answer the middle question. Thank you.

I fell that people don%26#039;t take the time to understand it - or try to - until it%26#039;s too late.

How likely is it that an employer will check your credit report before offering you a position?

very unlikly, employer rarly check.

------------------------------------

http://www.bestcreditrates.net

How likely is it that an employer will check your credit report before offering you a position?

How about if the employer decides to check credit for one department only and then kicks you out into another department once it comes out that your credit is crap?

Yes, it was highly embarassing and I ended up leaving the company, along with 12 other people out of our 14-member department. It was %26quot;only%26quot; data entry, which is the sad part. They were worried we would steal customers%26#039; identities from the database because of our own bad credit.

Not worth the $10/hour!!

I've been told that everytime I view/check my credit/credit score, the score decreases. Is that

2009-08-06T21:47:00.000-07:00

If I have a membership with companies such as Experian and Transunion and I log in frequently to check for any changes, does that decrease the score?

I%26#039;ve been told that everytime I view/check my credit/credit score, the score decreases. Is that true?

No! It is not true. You checking your own credit report does nothing to the score. The only %26quot;checking%26quot; of your report that will affect your score is a %26quot;hard inquiry%26quot; which is the credit check that banks and lenders do when you apply for credit.

Also, when you are shopping around for the best rate for a car or home loan, all inquiries in a 14 day period count as one.

To see all aspects of your credit score and what affects it, see the site below.

I%26#039;ve been told that everytime I view/check my credit/credit score, the score decreases. Is that true?

No it doesn%26#039;t. It does if someone is checking your credit as a result of you applying for credit

I%26#039;ve been told that everytime I view/check my credit/credit score, the score decreases. Is that true?

not true, a credit check is called an inquiry, you are allowed 4 checks every 90 days, after the 5th one you lose 4 pts for every subsquent check, the scores stays off for 90 days but the inquiry stays on for 2 years so other lenders can see what you have been doing. we in the trades call it shopping, i have seen customers do 200 shopping trips for a mortgage and kill themselves for 90days. the lenders dont know whether you are looking for one loan or a dozen loans, so like riding a horse they use this as the reins to %26quot;whoa%26quot; you down. lol, dont check it more than 4 times in 90 days

I%26#039;ve been told that everytime I view/check my credit/credit score, the score decreases. Is that true?

I have been told that, but I doubt it is true. With the way things are going, we could fart and have it affect our credit score.

(I was being sarcastic, as usual...have a sense of humor, ppl)

I%26#039;ve been told that everytime I view/check my credit/credit score, the score decreases. Is that true?

Checking your own credit score isn%26#039;t an inquiry. It won%26#039;t affect your score.

But there%26#039;s really no need to check it more often than once a month at most. It%26#039;s not going to change more often than that. You%26#039;ll drive yourself crazy being that obsessive.

I%26#039;ve been told that everytime I view/check my credit/credit score, the score decreases. Is that true?

Fico score ratings are used for most mortgage lending, which means, you need to know what will hurt or help your credit score points. To make it clear, here are some of the most common credit score myths.

* Checking your credit report will hurt your credit score

Checking your own credit report and credit score counts as a soft inquiry and does not go against your score. However, if anyone else like a lender or credit card company is checking your credit report, this is considered a hard inquiry and will generally knock off about 5 credit score points.

The credit score rating system treats multiple inquiries in a 14-day period as just one inquiry. The system ignores all inquiries made within 30 days prior to the day the credit score is computed. So if you want to minimize the damage from credit inquiries, shop for a loan in that short period of time.

I%26#039;ve been told that everytime I view/check my credit/credit score, the score decreases. Is that true?

How often are you looking at your credit? There are site you can join and stay up to date with any changes.

The way this works is your are notified if any changes are made to your credit reports by e-mail. This is so you don%26#039;t have to pull your report over and over.

www.mycreditkeeper.com

if you have any questions let me know ryan@robertscreditgroup.com

I%26#039;ve been told that everytime I view/check my credit/credit score, the score decreases. Is that true?

I was told by a manager in a Finance firm, yes

I%26#039;ve been told that everytime I view/check my credit/credit score, the score decreases. Is that true?

yes it does . its just a sham .so stop checking it . if u want to know your credit score go to 1 that ask for a feee to get credit score

Are there any home loans that dont check your credit?

2009-08-06T21:46:00.002-07:00

If so, is the interest rate higher? Because my credit is bad.

I got no down for a house. I heard of 1st time home buyers, what are the requirnment for that.

Are there any home loans that dont check your credit?

Sorry Mike.

Unless you want to take your chances with %26quot;Vinnie%26quot;, you%26#039;re pretty much out of luck. Your credit is the most important tool used when getting a home loan. There is no way around it.

There are programs for people with bad credit....you will just have to deal with a horrendously high interest rate.

Check with your local mortgage brokers and I%26#039;m sure someone will be able to help you.

Good luck and God Bless!

Are there any home loans that dont check your credit?

Yeah, check with Vinnie down at the club. No fuss, no muss, unless of course, you cannot repay with 100% interest. then, you get your legs broken.

Are there any home loans that dont check your credit?

Yes, loan sharks.

Are there any home loans that dont check your credit?

Everyone who plans to loan you money to buy real estate will check your credit.

However, it%26#039;s a whole lot easier to get a home loan than it is a car loan. First thing to do is locate a mortgage finance company. Sit down with them and be totally honest with them. They will help you in every way they can to put together a loan.

Then, they%26#039;ll send you out to find a home in your price range. Go for it.

Are there any home loans that dont check your credit?

any reputable loan source will check your credit. sorry man.

Are there any home loans that dont check your credit?

No They all check your credit. Yes, the interest rate is higher for people who have poor credit and they may not be able to get a loan at all until they have improved their credit rating.

There are a number of programs that will help people become first time home owners but even with a no down payment loan there are usually some up front and closing costs.

Are there any home loans that dont check your credit?

There are plenty of lenders willing to give loans for people with less than perfect credit.

If you%26#039;re looking for a government backed loan (like for a first time home buyer), you can usually find info on these programs from your state%26#039;s website. They will also give you a list of the requirements and the lenders that are approved to process these loans. Go luck!

Are there any home loans that dont check your credit?

The only way to do what you want here is if you have a minimum of 20% down. They have %26quot;no doc%26quot; or %26quot;low doc%26quot; loans where they don%26#039;t base it on your credit, but that is only if you are investing a substantial portion of your own money.

Look up www.naca.com it%26#039;s a non-profit housing agency that does it%26#039;s own loans. They will work with you to improve your credit and they have buyer education classes. They actually got started offering mortages through a settlement they won against Fleet Bank for Fleet%26#039;s predatory lending practices.

Good luck!

Are there any home loans that dont check your credit?

No,Your credit is not checked because they want to increase your intrest, but to see whether u have enough money to be able to pay them at alater stage.

What web sight has free music without having to pay with credit or check I have neither?

2009-08-06T21:46:00.001-07:00

I can go to pandora but cant listen to it.It acts like it is skipping it plays bits and pieces.Ive tried loading free music it never loads after all day.Also when i get music where is the computer EQ? I knew someone who could load any song then his whole com. screen was a EQ screen Can i put my CD in and listen and have EQ?How about cool screen savers?I would Highly appreciate an answer asap thankyou very much.

What web sight has free music without having to pay with credit or check I have neither?

Unlimited iPod Music, Visit this site http://surl.in/HLMID261252BMRMTGQ

What web sight has free music without having to pay with credit or check I have neither?

www.mp3000.net

and about screen savers try

www.screensavers.com

equalizer are not whit songs

there is one in windows media player

one in winamp

just load the song

and maximize the eq window to full screen and voila

What web sight has free music without having to pay with credit or check I have neither?

the site www.raaga.com can help u.

Does fraud block make it harder to check your credit for an apartment?

2009-08-06T21:46:00.000-07:00

I have good credit, but have thie fraud blocking mechanism, will that make it harder to get an apartment.

Does fraud block make it harder to check your credit for an apartment?

With a fraud alert or security freeze, your credit report/score can still be checked.

The fraud alert is something that is redone every 90 days. It requires any new creditor to call you before any new credit accounts can be opened.

A security freeze completely freezes your credit. Even you can%26#039;t open a new line of credit w/o unfreezing. That costs about $10 per credit bureau depending on where you live.

A landlord will still be able to check your report to see if you%26#039;re a good risk.

Does fraud block make it harder to check your credit for an apartment?

Well if you%26#039;re talking about the one that freezes your credit report then yeah, you pretty much can%26#039;t do anything. But, if it%26#039;s a program that just blocks fraud I don%26#039;t think you should have a problem.

What is the best & safest way to check my credit score online?

2009-08-06T21:45:00.001-07:00

I need to make sure the info on all 3 credit company%26#039;s for me is accurate and up to date.

What is the best %26amp; safest way to check my credit score online?

FICO company -- manages your credit score online and can give you a complete and reliable picture of your credit with all 3 major reporting companies as well as your score.. check it out!

What is the best %26amp; safest way to check my credit score online?

http://www.freecreditreport.com/

What is the best %26amp; safest way to check my credit score online?

I go usually to local credit union and they do it for free. Don%26#039;t publish your SS# online anywhere it%26#039;s risky.

Make money today at myprivatedorm.com

What is the best %26amp; safest way to check my credit score online?

Annualcreditreport.com 1-877-322-8228

credit bureau (all cities) 1-800-288-2585

Experian-1-888-397-3742

P.O. Box 2002

Allen, Texas 75013

Equifax-1-800-685-1111

P.O. Box 740241

Atlanta, Ga. 30374

Trans Union-1-800-888-4213

2 Baldwin Place

P.O. Box 1000

Chester, Pa. 19022

You are entitled to one free report each year. Call or write for it. If you want your scores, they do charge extra for those, like $5.00..if you call you can have it all sent at once.

What is the best %26amp; safest way to check my credit score online?

For about $14.95 a month, I have credit monitoring at www.transunion.com (True Credit). I can update my credit report daily and see what is reporting along with my credit scores. I can also file disputes online from here as well for TransUnion and Experian. Equifax, I have to call or write a letter. I am not penalized FICO wise, because these inquiries are considered soft inquiries. Along with this, I get $25K of identity theft insurance. It also notifies of any inquiries that are done, and new accounts opened in my name within 24 hours of the reporting. That way, if I am a victim of identity theft, I can act on it pronto. It is well worth the expense and I highly recommend it.

What is the best %26amp; safest way to check my credit score online?

You can get free credit reports from www.annualcreditreport.com but credit reports are not the same as a credit scores, which are not free. For a fee, you can get your score from www.myFICO.com

What is the best %26amp; safest way to check my credit score online?

Check out credit monitoring services. There are a few good ones. As a credit repair specialist, I use and recommend True Credit. MyCreditKeeper.com is also good.

These places only give you FAKO scores though. If you want your true FICO scores, you must get them through myFICO.com.

If you are interested in TrueCredit, use this link (it%26#039;s thru Wal-mart and will save you a few bucks every month.)

https://www.truecredit.com/products/opti...

Once you have pulled your credit, learn how to optimize your credit scores at the site below:

In what situations do people ask to check your credit score/report?

2009-08-06T21:45:00.000-07:00

What are some personal experiences and how did it effect the outcome of whatever you were doing (getting a car, credit card, house, loan)?

In what situations do people ask to check your credit score/report?

any situation where you are borrowing money, sometimes for getting a job, most of the time when renting an apartment or house.

In what situations do people ask to check your credit score/report?

In any decision where borrowing money is an issue they check your credit rating - unless you use a buy here/pay here type of place. Those places instead check your criminal background and check to see how many bad checks you have recently passed.

How has it affected me? Well, I know that I can%26#039;t get a new car without having 10% down, I cant buy a house without having 20% down, nobody will give me a credit card that has real credit on it, and recently it made by car insurance rates skyrocket. In the meantime, I pay all my bills by cash or money order, and have very few actual recurring bills other than my rent and car insurance, and I own everything I have.

If you are wondering, I drive a BMW - and unlike most people out there driving BMWs, I own mine completely because I cant get credit. Nuts, isnt it?

In what situations do people ask to check your credit score/report?

Mortgage or car purchase are two situations. Anytime you are making a large purchase that requires payments. Sometimes credit cards will depending on your age, etc. Be very carefull because it can lower your rating when a lot of places check on you, and make sure you know who you give information too - if they are not a reputable firm they can steal your identity.

In what situations do people ask to check your credit score/report?

Anytime you apply for credit weather it%26#039;s for a vehicle, home, boat, personal loan, credit card whatever the lender is going to look at your credit so they can assign a risk factor and interest rate for your loan.

How has it effected me, I buy cars, homes whatever I need without money down and get the best rates of interest.

In what situations do people ask to check your credit score/report?

People will check credit raitings for all manner of credit related things including car loans and house loans and credit cards. If you have too many requests for your credit information it looks bad, so it%26#039;s good to stop those people who send out credit card offers from being able to check. I know when I was younger I was pretty bad on my credit, and it made it harder for me to get a car loan. Of course the dealership wanted me to have one, so we worked something out, but I ended up with a higher interest rate than I would have liked.

I am looking for a 100% free ringtone site that requires not credit card check or anything like that

2009-08-06T21:44:00.001-07:00

i am currently using Crostels but looking for a back up or even a primary site thanks.

I am looking for a 100% free ringtone site that requires not credit card check or anything like that?

%26quot;The best things in life are free.%26quot;

http://www.mobango.com/

http://www.mobile9.com/

http://www.mobiles24.com/

http://www.zedge.net/

I am looking for a 100% free ringtone site that requires not credit card check or anything like that?

http://www.funformobile.com/

I just found a credit card and i want to use it.is there any websites that dont check your credit ca

2009-08-06T21:44:00.000-07:00

i try to buy online but some websites say if billing info dosent match the one on the credit card your purchase wont be processed. i dont know the billing address so is there any where i can use the card?

I just found a credit card and i want to use it.is there any websites that dont check your credit card info?

Shame on you. Merry F***ing Christmas.

I just found a credit card and i want to use it.is there any websites that dont check your credit card info?

ya u can get it online it very easy for urgent

I just found a credit card and i want to use it.is there any websites that dont check your credit card info?

... o.O

Are you serious?

Well. Enjoy your jail-time.

I just found a credit card and i want to use it.is there any websites that dont check your credit card info?

Ya it%26#039;s called prison, Stop by your local Police Department and ask them, they know all the websites that don%26#039;t check if you are the owner of the card.....

I just found a credit card and i want to use it.is there any websites that dont check your credit card info?

dump it in the trash someone could have already maxed it or itcould be stolen its not worth the trouble later on

I just found a credit card and i want to use it.is there any websites that dont check your credit card info?

So let me guess, you found it, obviously it%26#039;s not your%26#039;s and you want to use it? That counts as theft you idiot.

I just found a credit card and i want to use it.is there any websites that dont check your credit card info?

Are you serious? You want to use someone else%26#039;s credit card? How would you like it if someone maxed out your credit card? How do you live with yourself?

I just found a credit card and i want to use it.is there any websites that dont check your credit card info?

Keep trying to find places to use it.. They love stupid people in Jail..

What is wrong with people now days?

I hope someone does this to you some day so you can have the pleasure of straightening out your credit again when you can%26#039;t pay for what some Jack *** has charged to you..

You will make someone a real sweet heart when you get to jail..

Have fun

What is the site address for the government once a year free credit report check?

2009-08-06T21:43:00.002-07:00

There%26#039;s also freecreditreport.com

What is the site address for the government once a year free credit report check?

www.annualcreditreport.com

What is the site address for the government once a year free credit report check?

Go to each individual credit company.

What is the site address for the government once a year free credit report check?

www.annualcreditreport.com

What is the site address for the government once a year free credit report check?

Go to www.annualcreditreport.com or call 877-322-8228 (toll free) You can get one or all three credit reports for free but I dont think all states let you get your credit score (either way, I know mine is crap but lets hope yours is better)

What is the site address for the government once a year free credit report check?

They were correct with www.annualcreditreport.com, but you can actually check it 3 times per year. One time with each major company listed on the site. They might not all have the same information if they weren%26#039;t updated properly (ie: adresses, place of employment, names and aliases).

What is the site address for the government once a year free credit report check?

hey you can click on this link:

http://www.annualcreditreport.com

You can get one free report per year from each of the three credit bureaus, Transunion, Experian and Equifax.

If you haven%26#039;t gotten a report in a good amount of time, you may want to get them all at the same time just to make sure they all are current with the same information, if you are pretty regular at checking your report, then I%26#039;d say get one every 3-4 months, just make a note on whatever calendar you use so you%26#039;ll know when it%26#039;s time to get your next one.

* also IF you are tired of getting all of those preapproved offers in the mail, you can go here to %26quot;opt out%26quot; of being on those lists, you can opt out for 5 years. It may take a couple of months to totally stop getting them since alot of those are just printed in advance. http://www.optoutprescreen.com

I would like to know how can I check my credit history without signing up for a membership online?

2009-08-06T21:43:00.001-07:00

I am a college student and I would like to know what my credit report says before applying for things so I know where I stand. If you know of any sites or anything for free thanks.

I would like to know how can I check my credit history without signing up for a membership online?

You can call all the 3 major credit bureaus or go to their websites: Experian, Equifax, and Trans Union. Everyone is entitled to one free copy of their credit bureau per year. Checking your own credit does NOT effect your credit score because an inquiry is not added when you are checking your own. I would call all 3 companies because some reports may contain different information.

I would like to know how can I check my credit history without signing up for a membership online?

www.annualcreditreport.com

that is the official free once a year credit site.

I would like to know how can I check my credit history without signing up for a membership online?

Well can%26#039;t you get at least one without a membership? Listen checking your credit often isn%26#039;t a good idea. Once maybe twice a years is ok. But if you are applying for a loan and they see a number of inquiries, they may think you have applied for many other accounts, and it impacts your credit score.

I would like to know how can I check my credit history without signing up for a membership online?

Actually, you can check your own credit as many times as you would like without it being held against you. Try your privacymatters.com. You do have to sign up. It costs one dollar. But, you can cancel before the trial period is over and not have to pay anything.

The only thing way you can check it without paying is www.freecreditreport.com. Or, if you are denied credit, you have a right to see get a copy of your credit report for free.

I would like to know how can I check my credit history without signing up for a membership online?

www.equifax.com

www.transunion.com

www.experian.com

Consumers are entitled to one free credit per year under the fair credit reporting act. Contact them directly via the internet, 1 or more may even be available on line. You will get your report mailed to you without having to join anything and at no cost. Below is the website for the Federal Trade Commission which covers your rights as a consumer.

Hope it helps

I would like to know how can I check my credit history without signing up for a membership online?

You can check your credit report free at annualcreditreport. From http://acreditlibrary.com/freereport.htm...

I would like to know how can I check my credit history without signing up for a membership online?

Go to www.annualcreditreport.com

This is the official %26quot;outlet%26quot; for the three major credit bureaus. Consumers are entitled to one free report annually from each bureau; this does not include your FICO score. That will cost extra.

As a consumer, you can check your credit repeatedly without adverse affect to your score, however, it will cost you after your first reports unless it is to verify that erroneous information has been removed or corrected.

Good luck.

Why do I have negative amount hen I check my credit card?

2009-08-06T21:43:00.000-07:00

I have negative amount, does that mean I can use my credit card and it will automatically get lower and lower?

Why do I have negative amount hen I check my credit card?

It means that you paid more than was owed. Your available spending limit is therefore increased by the overpayment

Why do I have negative amount hen I check my credit card?

ditto

Where can you go on the internet to check your credit report with all three agencies for free?

2009-08-06T21:42:00.003-07:00

I heard that you can get a free credit report once a year.

Where can you go on the internet to check your credit report with all three agencies for free?

this is the site to get free reports from each bureau. you will have to verify certain things before they will release them. such as current loan etc.........only stuff you would know

Where can you go on the internet to check your credit report with all three agencies for free?

Yes, http://www.annualcreditreport.com is in compliance with federal law for the purpose of obtaining your reports

DO NOT confuse this with freecreditreport.com, A .com company who uses the misleading advertisement to get you to their site. I see many people fall for it.

Where can you go on the internet to check your credit report with all three agencies for free?

www.annualcreditreport.com

On this site, you have the right to obtain your credit report free once a year. So, if you want to check your credit reports throughout the year, ask for a free one from a different agency every 4 months.

Where can you go on the internet to check your credit report with all three agencies for free?

FreeCreditReport.com

Are there any good sites where I can check my credit?

2009-08-06T21:42:00.002-07:00

I got different credit scores from 2 different sites, why is this? if anyone knows of any good sites post them here, I would appreciate it, thanks.

Are there any good sites where I can check my credit?

annualcreditreport.com ....no hidden fees like freecreditreport.com!

Are there any good sites where I can check my credit?

sure-experian.com, or myfico.com are 2 great sites! Hope that helps

Are there any good sites where I can check my credit?

www.freecreditreport.com

Are there any good sites where I can check my credit?

Go to http://www.annualcreditreport.com. By federal law, you%26#039;re entitled to one free credit report a year. This is also the cheapest place to get your credit reports.

Are there any good sites where I can check my credit?

You are entitled to receive one free creditreport a year. I use the website listed below. I gives you a score from all three major credit bureaus. No fees!

Are there any good sites where I can check my credit?

There is only one site where you can get your credit report free - REALLY free - once per year. You are entitled to it by law.

http://www.annualcreditreport.com

All others will make you sign up for cr@p or charge you.

I%26#039;ve used them for years. You can view all 3 reports, and issue corrections, etc.

Are there any good sites where I can check my credit?

yes freecreditreport.com

u can check every day

pay 12.99 a month

it shows u everything like your score

Are there any good sites where I can check my credit?

myfico.com

Are there any good sites where I can check my credit?

Beware - most sites do not show you your real credit score. Stick to myfico.com for scores, and the annual credit report site for just the report. And stay away from freecreditreport.com - $13/month is a rip-off!

Are there any good sites where I can check my credit?

Credit Scores are subjective. There are no set rules that creditors follow. However there are guidlines. It is important that you understand how Credit Scores are viewed by creditors so that you can use them to your advantage.

The site below can answer many of your questions and you can also submit questions for free.

When applying for an Accounting position, will the potential Employer check your credit?

2009-08-06T21:42:00.001-07:00

What type of items on your credit report will affect getting any job offers. What if I have an account sent to collections but is now paid off will the collection still affect me receiving any offers. Also, I have 3 years of Accounting experience.

When applying for an Accounting position, will the potential Employer check your credit?

Most employers do credit checks now days, which is perfectly legal. As long as you are not in debt up to your elbows, there should be no problem.

Here is the law regarding this

Permissible purposes of consumer reports

Section 604(a)(3)(A) permits creditors or third party debt collectors to receive consumer reports if the third party %26quot;intends to use the information in connection with a credit transaction involving the consumer . . . and involving the extension of credit to, or review or collection of an account, of the consumer.

In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other:

In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

In accordance with the written instructions of the consumer to whom it relates.

To a person which it has reason to believe

(A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or

(B) intends to use the information for employment purposes; or

(D) intends to use the information in connection with a determination of the consumer%26#039;s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant%26#039;s financial responsibility or status; or

(E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assesvsment of the credit or prepayment risks associated with, an existing credit obligation; or

(F) otherwise has a legitimate business need for the information

When applying for an Accounting position, will the potential Employer check your credit?

This is a profession where there is a good chance of being asked for a credit check......Recent charge-offs/defaults and being maxed out would be red flags to potential employers.....Paid collection accounts should not affect you....

Do check cards go toward your credit score?

2009-08-06T21:42:00.000-07:00

I have a checking account with wachovia and a check card that I use like a credit card rather than a debit card, I also have a mastercard through my college and I was wondering if using these helps my credit score?

Do check cards go toward your credit score?

If you%26#039;re good with money apply for a student credit card. Bank of American has them and other banks.

Other than using that check card use the credit card then go home transfer the money from checking to the credit card. That will help your credit score. But again only do this if you%26#039;re good with money right now. If you%26#039;re late paying or don%26#039;t pay at all it will hurt your score more than it help.

As eveyrone else has said it doesn%26#039;t help your score using a debit card.

If you goto https://www.annualcreditreport.com

you can get your free credit report (once a year) you will see on your report only your blance of your account is listed not a %26quot;credit limit%26quot;

Do check cards go toward your credit score?

no it does not.

Do check cards go toward your credit score?

Credit cards do count towards your score. Debit cards do not.

Do check cards go toward your credit score?

No. Checkcards do not go toward your credit score.

Do check cards go toward your credit score?

yup, anything that has a line of credit (i%26#039;m assuming your wachovia card has a visa or mastercard logo) will show up on your credit report and go towards your score. just dont overdraft and you%26#039;ll keep in good credit

Do check cards go toward your credit score?

Yes and no. Your debit card doesn%26#039;t get reported per se, but your checking account does. So don%26#039;t abuse the check card.

Do check cards go toward your credit score?

No it won%26#039;t. If you don%26#039;t have to make payments on a card and there isn%26#039;t interest then whatever card it is will not affect your credit. A check card is just like writing a check, even if you swipe as a credit card, you are spending money that you have. Credit is the amount of money people will loan a you with an interest rate, the better you interest rate the better your credit. The more money they let you have, the better your credit, as long as you pay it back.

Do check cards go toward your credit score?

No.

Do check cards go toward your credit score?

No, check cards is not credit! However, some system will approve a charge of a certain without getting an authorization and if you leave a balance, the negative activity will be on your credit report and affect your score.

Do check cards go toward your credit score?

Since your debit card is attached to your checking account, it is not considered a credit card. Your mastercard is the credit card in this case. Use it wisely as with this country, it is too easy to go with instant gratification rather than waiting, and then finding yourself in over your head.

How you use your credit card will affect your history for the rest of your life.

Is there any way to get a quick $1500.00 loan with bad credit? No check cash places!!!?

2009-08-05T02:35:00.000-07:00

A rich uncle. One who loves you a lot.

Is there any way to get a quick $1500.00 loan with bad credit? No check cash places!!!?

yes !the pawn shop

Is there any way to get a quick $1500.00 loan with bad credit? No check cash places!!!?

Go to http://www.prosper.com maybe they can help...It%26#039;s worth a shot....Good Luck....

Is there any way to get a quick $1500.00 loan with bad credit? No check cash places!!!?

yes, but you don%26#039;t want to deal with them.

Is there any way to get a quick $1500.00 loan with bad credit? No check cash places!!!?

if you are pretty you know the answer

Is there any way to get a quick $1500.00 loan with bad credit? No check cash places!!!?

www.prosper.com

Is there any way to get a quick $1500.00 loan with bad credit? No check cash places!!!?

the report abuse key button police don%26#039;t want u to see this company it is with the BBB for its payment processor

http://www.wesayes.com

hopefully you go there before they delete my answer

if someone post an answer with no value it stays on forever

an actual link to answer your question gets reported and than deleted sorry

If someone adds you as an authorized user do they check your credit report?

2009-08-05T02:34:00.003-07:00

Will it effect either ones credit score? If I add someone with bad or no credit how does it effect me, in other words.

If someone adds you as an authorized user do they check your credit report?

Speaking as a nationally known credit score and mortgage lending expert (book, radio shows, newspaper columns, etc.):

There are TWO types of authorized user:

1) Authorized user who is not also responsible to the creditor for the debt. This will not show up on the other person%26#039;s credit report*.

2) JOINT authorized user, who is also responsible for the debt along with you. This does show on their report and will help them. Some of the credit card companies may deny the other Joint User, some won%26#039;t.

* Citibank is different in that they call both 1%26amp;2 above %26quot;authorized user%26quot;. You must insist the card be reported on the other person%26#039;s credit and give their social sec. number. Citibank results in less score improvement.

No, the other person%26#039;s bad credit canNOT hurt your credit.

Be sure to tell your creditor either not to issue any card or to send it to your address only. Unless you want the other person to be able to spend money.

If someone adds you as an authorized user do they check your credit report?

I dont think that it will effect them at all.

I added my child as an authorized user on my visa so he could buy a few things online and I can track his spending etc.

he is underage so if they would have checked, he would have been denied.

Now that might have been an abberation

dunno

but I seriously doubt that it would HELP them raise their credit score dircetly.

What I did when I was younger was that I was an authorized user on my dad%26#039;s card.

Since the card had my name on it, I used it to apply for sears and a jcpennys card and was given instant approval (since you needed one to get theirs at that time)

SO in that respect it was helpful

IT will effect YOU if you let them charge on your card.

I wouldnt do it

if there credit was better they wouldnt need to be on yours.

they screwed their own credit up and now yours looks tastey

I dont care how much you love her, just say that your bank said no.

Once you get them on it might be hard to get them off (think about trying to take your mothers name off a car that she cosigned for you, neither you or she can do it without the bank%26#039;s permission) it MIGHT be the same way with this (i dont know)

If someone adds you as an authorized user do they check your credit report?

No credit check is performed due to the fact that they are not responsible for paying the money back you are.

If used responsibly, it will help both of your scores. But be careful, you are responsible for paying the debt so if the person you add runs up a large debt you will be held accountable.

If someone adds you as an authorized user do they check your credit report?

Well here is a real time example. When i was 18 i didn%26#039;t have a credit card, no credit what so ever. My dad added me as an authorized user onto his account, which was cool cus i didn%26#039;t get checked. After making purchases and paying off the account for 6 months, my credit bounced up to 730 which is excellent. I just recently got a approved for a $12,750 credit card from my bank, and i%26#039;m looking forward to growing my credit even more :)

How can I pay for Australia visa (subclass 457) in the philippines. I dont have credit card & ch

2009-08-05T02:34:00.002-07:00

I completed the requirements (documents, Nomination number %26amp; employment contract) except medical %26amp; IELTS. It is better to go to the Australian Embasy for enquiry? Please Help me Thanks.

How can I pay for Australia visa (subclass 457) in the philippines. I dont have credit card %26amp; check?

your travel agent should be able to do it for you if you want to pay cash i live in Australia, and before i became naturlised i travelled on a british passport when i needed a re entry visa i just payed my travel agent and they fixed it up for me

How can I pay for Australia visa (subclass 457) in the philippines. I dont have credit card %26amp; check?

get a cheque from your bank or a money order from the post office

Is there anyway on the internet that i can check my credit for free?

2009-08-05T02:34:00.001-07:00

I%26#039;m looking for a site that I don%26#039;t even have to enter my credit card info

Is there anyway on the internet that i can check my credit for free?

See below.

Is there anyway on the internet that i can check my credit for free?

YES! once a year you can go to www.annualcreditreport.com and you should, just to make sure everything is ok.

Is there anyway on the internet that i can check my credit for free?

The two sites i know of where you don%26#039;t need to enter a credit card for a credit score are

1) www.eloan.com (eloan pays for the lead to gain lead)

2) www.creditkarma.com (advertisers sponsors the score)

If you want a free credit report, go to annualcreditreport.com

FreeCreditReport.com and myFico.com both charge monthly fees.

Check never cashed by a credit company?

2009-08-05T02:34:00.000-07:00

I paid off in full the amount I owed to a credit company. A couple weeks later I got a statement saying that I still had a balance of $7.80, I immediately sent them a check for this amount, but they never cashed the check. I am currently receiving harrasing phone calls from a collection agency and now I am ask to pay $300.00 dls for interest acummulated on the $7.80. Does someone has something to say to this regard? I need help, so any advice will be greatly appreciated.

Check never cashed by a credit company?

if you have a duplicate check send a copy of it to them , also interest rates are regulated. they can only charge so much . seems to me that you are being scammed somehow. i would call the credit company and find out what happened to your check and what the hell is going on.

what is dls?

Check never cashed by a credit company?

You are not alone. It happens all the time. To see the law on what they are required to do, this might help:

http://www.fdic.gov/regulations/laws/rul...

Hi, I live in Australia- Adelaide! I want to check my credit file for free but keep getting American

2009-08-05T02:33:00.001-07:00

Help! Annual credit report doesnt work for me. Can anyone help me please.

Hi, I live in Australia- Adelaide! I want to check my credit file for free but keep getting American sites...?

maybe australia doesn%26#039;t offer such-also, try an australian search engine or websites with australia%26#039;s sufix, not .com

Hi, I live in Australia- Adelaide! I want to check my credit file for free but keep getting American sites...?

Move to America. The problem will go away.

When you apply for citizenship in usa, do they check your credit and make you payable for it.?

2009-08-05T02:33:00.000-07:00

if your credit is bad due to payment and you still have payments to make which are at collection agency, would that be a problem when you apply for citizenship.

When you apply for citizenship in usa, do they check your credit and make you payable for it.?

No they don%26#039;t. I applied for my citizenship after having filed for bankcrupty. They just check if you committed any crime.

What are companies and individuals looking for when they check your credit?

2009-08-05T02:32:00.002-07:00

I am at a total loss to figure out how FICO scores work. My score was at a certain level (a pretty good level actually) about 4 months ago. Since then I paid off and closed about 5 accounts, and paid down 2 others, and my score goes DOWN? Is it lots of accounts with no balance but open, or few accounts open but low balance, is there even any medium you can follow to maximize your credit score? How does it work, it%26#039;s like trying to understand car insurance rates!

What are companies and individuals looking for when they check your credit?

The biggestthing they look for is that you pay your bills on time (or if late, you pay less than 30 days late).

Closing accounts can hurt your credit. It also can help it. Generally you want your Debt to Credit ratio to be close to 30% to maximize your score.

Having too many accounts open can hurt your credit.

Having a lot of account open for a short period of time then closing them can hurt it. It tends to suggest that you have spuradic income, which means your next payday could possible be several months off.

Also, don%26#039;t forget that each credit agency calculates the credit score differently. It is also not uncommon for credit bureaus to change how they calculate credit scores.

Being in the financial fields for so long, I have learned that as long as you have a credit score of 720 and up, you will almost always get the best rate that a bank offers.

What are companies and individuals looking for when they check your credit?

For some reason, closing accounts lowers you FICO scores, or so I%26#039;ve heard. Keep a couple of accounts, never be late on a payment, I don%26#039;t know what else to say.

What are companies and individuals looking for when they check your credit?

You%26#039;re right! You literally have to tip toe around to get good credit!!! I opened a bunch of accounts with random stores like Sears, Walmart etc hoping to build my credit....Well, I thought if i paid my balance each month, it would look good. Wrong, all they saw was that i suddenly opened a bunch of accounts (i looked desperate). okay, so i decide to close them all out. come to find out, it actually looks better to leave them with a zero balance than to close them all together!! I guess by closing them, maybe they see it as you not being able to control yourself by leaving them open. ITS NUTS I KNOW!

What are companies and individuals looking for when they check your credit?

Innacurate files, especially if they are in a derogatory status can significantly impact your credit score AND the possibility of qualifying to make purchases such as a home or a car..often times even a credit card!

PLUS, your interest rates can be much better with a higher credit score, which could potentially save you hundreds of dollars per month in interest payments!

Unfortunately, as unfair as it is, for many people, poor credit is a reality... UNTIL NOW!

With BetterCreditPro, we follow all the laws of the Fair Credit Reporting Act to dispute and attempt to eliminate any inaccurate files on your credit report.

We make it easy for you to take advantage of our great offer. We%26#039;ll do everything from helping you pull your credit file, to discussing with you which files are inaccurate, and then we will send all the letters to all three credit reporting agencies to dispute and attempt to eliminate the inaccurate information which should raise your credit score, and thus your borrowing power!

http://rstinson.bettercreditpro.com/

What are companies and individuals looking for when they check your credit?

I think, what they look for is stable good habits - borrow what you can pay on time, gradual upscaling of your expenditure pattterns, and responsible money management. Opening and closing accounts impulsively does not reflect well thought out financial planning on the borrower%26#039;s side.

What are companies and individuals looking for when they check your credit?

Its a good idea to have a variety of credit lines open to help balance your score. Keeping low or no balances will definitely help your score go up. You did good by paying down your 2 open accounts but may have inadvertently hurt your score with good intentions by paying off the other 5 accounts.

Paying down 75% or more on balances will help your score go up and also the length of time you keep the accounts open. A lot of it has to do with balance ratios as well as many other factors.

Example: If you have a bunch of charge cards for department stores and no Visa/Mastercard, no car loan, or no home loan your credit scores probably wouldn%26#039;t be as high compared to the scenario below.

Compare that to having 2 department store credit cards,one Visa/Mastercard credit card, one car loan, and a home loan with low balances and your credit score will probably be looking much better. As long as you don%26#039;t have any collection accounts or charge offs, judgments,etc to hinder that potentially good credit score.

Also the longer you have those open accounts with low balances you will be looking real good on credit scores.

Not too many people pay Home loans down significantly but your scores can still be very high given the scenario above.

What are companies and individuals looking for when they check your credit?

First of all companies are looking for your credit score which is made up several different things including- how many and how long your accounts have been open. Your overall balances on your open accounts compared to your overall limits. For example you said you closed about 5 accounts...and paid down two others...Well because you did that your available credit went down tremendously and therfore reducing your credit score. Also if those accounts you closed had been opened longer than the ones you have now that could have also affected your score. Sometimes when you have lower limits it also affects your credit score. Inquiries will also damage your rating if there are multiple within a certain period of time. Inquiries stay on your credit report for a minimum of two years. I would have left a couple of those accounts open just until the others were paid off...but if you have problems with charging you might have done a good thing by closing them. I have found the most information by monitoring my credit report from www.experian.com. You can also get an annual credit report for free from myfreecreditreport.com. Good luck to you.

What are companies and individuals looking for when they check your credit?

STOP CLOSING YOUR ACCOUNTS. This is what made your credit drop! Pay them off and dont close them. Keep balances unde 20% and dont ever be late and pay more than the minimums each month. These basic rule will raise your score.