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Credit Report

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free credit report in seconds
Come today and get your free credit report in seconds!!! Did you know that most credit reporting websites out there will force you to sign up for their credit monitoring service? They say they are free, but they are really not. We are the only true free instant credit reporting service out there. Come by today for yoursthey have enough info to steal your identity......better watch your credit files very carefully Don't know if this is the same company that runs freecreditreport.com, bu...

Credit Accounts and Your Credit Report
as you may or may not know from my various posts in this newsgroup, I'm well on my way to becoming debt free. Now, by this time next year - August 2003 - I will be 100% debt free; i.e., no ccard debt, no student loan, and no car debt. Right now that is my only goal in life. Now, I've read a lot of information saying I should close all but one credit card account. Reasons range from removing the temptation, all the way to "because too many credit cards looks bad in your credit report."...

Wonder about Yearly Credit Report
I was just wondering if anyone checks their credit reports on a regular basis? Identity theft seems to be increasing- reports have tripled this year. Many of the new cases are web-related. In polls of Web excecutives, it seems that a full 64% are fearful of having their own identities/accounts stolen or hacked. Of course, one of the main recommended steps is to order credit reports from all 3 major credit reporting agencies at least once yearly. This could get expensive if a couple order...

Take informations from Www Free Credit Report Com
I live in NY, and starting this past September, I heard we can get free credit reports. I have a few questions, I hope you all can help me out on. 1. Is there 1 official site for the free reports, or do I go to the 3 (trans, experian, and the 3rd one) websites and get it there? I have seen links and reports saying there is 1 official site, but I have seen 2 different "official" sites, so I am a bit catious about that. 2. I assume, I still need to purchase a FICO report from each place.....

Where can I get a free credit report?
I've tried a few places and they all seem to want either a credit card or money. While I don't mind paying themCredit reports cost about $10-$12. If you get one for "free" then there's going to be a catch, the company is hoping to get something from you that costs more than $10 and then offers you a credit report to lure you in. Usually it means signing up for a service that has a monthly fee for "securing" your credit. They expect to get your credit card so they can charge you this mon...

What is considered a good credit score in relation to no-doc mortgage application?
Also, this has been mentioned couple times here, but what is considered a good credit score in relation to no-doc mortgage application? I mean, it can go all the way up to mid 800s. Is 800+ what gets considered? And, lastly, if no-doc is not the option, applying for the new one as an investment property seems the way to go. Is the application process any different? I guess, I would have to say that in WILL NOT become my primary residence then. What would happen if I actually move in?I don...

What Is A Good Credit Rating
My husband and I are in the process of moving to the US (Washington DC) on a G4 visa. We currently have a very good credit rating, and an HSBC Mastercard. Obviously we don't want to have to start from scratch and build a new credit rating, nor do we want to have to pay for exchan- ge rate differences by continuing to use our UK credit card. Does anyo- ne know of any banks/ credit card companies who will transfer our credit rating from the UK?Similar thread ongoing. See: http://britishex...

Access to view your credit report should never be considered a negative ?
Does anyone know or care to comment on how credit report *inquires* affect FICO scores? It seems absurd that inquires be used at all in scoring. Say you obtain your credit report and this very act generates an inquiry. You find there is missing or incorrect data and over the course of several months fix and request reports. Then out of habit request reports on a monthly basis. But by making several requests/inquires, this would count against you. Why should it? Access to view your cred...

US Information on Canada Credit Score
I currently live in the US and will be moving to Canada very soon I have a well established credit record in the US and I wonder if that information can be use to build a a Credit Score in Canada It would dbe great if the US and Canada systems can exchange information so I do not have to go through the same issues I did go through in the US when I first a landed in the US 5 years ago Who can help me ?While it is technically possible for a Canadian creditor to check your US credit, the rec...

The problem with a person who had a TRW credit report
My husband had a TRW credit report run last night and it had a 10 yr. old bankruptcy still on it. I was under the impression that bankruptcies disappeared after 7 yrs. We want to finance a car (his credit has been very good since the bankruptcy that was due to his ex-wife's medical expences) and I have impeccable credit, but no job. We need to find out how to get this off his TRW report before we can proceed with car financing. Does anyone help me now ?The federal Fair Credit Reporting A...

True Credit Report Stuff
I had received some info on the NG that said that you can get your bill paying activities for public utilities added to your credit history. This is *definetly* true as I called and received the following information. Bell Atlantic of PA {Phone Company} - will report your good payment history to an agency after one year of service. PECO Energy {Electric} - when asked, they said that they already report both good and bad payment histories. (I'm not 100% sure I believe him, so I will get my...

Delinquencies on credit report between Ch. 7 filing & discharge dates VALID ?
We filed Chapter 7 BK in 1/97 and it was discharged 7/97 (in Pennsylvania). On our attorney's advice, we ceased throwing good money after bad and stopped paying on our "scheduled" credit accounts after the filing date (as I've seen Brett recommend). Now, 6 years later, many of those credit accounts on our three credit bureau reports, although they may or may not say "Included in Bankruptcy", report delinquencies ranging from 30 to 90 days and dating from between 2/97 and 5/97. I know th...

I have problems that my debt collection still are on all three credit reports.
Today I received a letter from Russell Collection Agency shows that I still owes $339 to Alexandria Hospital Emergency Room (Phyisician Bill) since Feb. 13, 1996! I tried to resolve this problem with collection agency a year ago by show my proof of paid from my health insurance but they ignored it. They can't prove that my claim letter from Blue-Cross Blue-Shield Insurnace paid $339 to my account! In Feb 13, 1996, I had auto accident because someone lost control and his car went on side...

Prospective tenant credit report?
I had posted a question a few weeks ago related to starting eviction proceedings for tenants that my parents had in a ski-house they own in Pennsylvania. I'm pleased to report that the tenants are now out, all past monies due have been paid in full. Alls that it took is a phone call to them announce the threat of a lawsuit. I told my parents they were lucky in this case. Now, I'd like to provide them a secure way to get a credit report on future prospective tenants. What do they need ...

Need sample 100 word credit statement to go in credit file
Need sample 100 word credit statement to go in credit file. Any one that can help with thisIn most cases, it's a waste of time, since it has no impact on your credit score. And the contents are specific to the reason for dispute, so there isn't a "form" It's a waste of time. When you need to explain your credit report to someone, just write (or tell) them personally when the time comes. That way you won't have to limit yourself to 100 words either On top of that, your statement is rar...


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