May
26
D A asked:
Right now, I pay more than the mimimum on all of my credit cards. However, with the ease of online banking and my cash flow cycle, I always make multiple payments, about 2 - 4 times each month. When a credit report is pulled and shows the last payment I made on an account (assuming it was the month prior), does it show the actual amount of the last payment — which may be $30 — or the total of all payments over the course of the month, which is more along the lines of $300?
CARY
Right now, I pay more than the mimimum on all of my credit cards. However, with the ease of online banking and my cash flow cycle, I always make multiple payments, about 2 - 4 times each month. When a credit report is pulled and shows the last payment I made on an account (assuming it was the month prior), does it show the actual amount of the last payment — which may be $30 — or the total of all payments over the course of the month, which is more along the lines of $300?
CARY
May
18
MammaJ asked:
Don’t the credit report agencies have to have permission from you before they give anyone your credit report? How can anyone get your report to check on your credit and whats on it? This is not right!
RODERICK
Don’t the credit report agencies have to have permission from you before they give anyone your credit report? How can anyone get your report to check on your credit and whats on it? This is not right!
RODERICK
May
12
CoolerEmail guy asked:
You know, I don’t know how we’ve lived with the credit system so messed up as it has been with 3 different agencies and they never seem to be all in sync. Does anyone know the best way to sync better the reports from all three credit bureaus? Can you pay a legitimate company to do such a thing?
You know, I don’t know how we’ve lived with the credit system so messed up as it has been with 3 different agencies and they never seem to be all in sync. Does anyone know the best way to sync better the reports from all three credit bureaus? Can you pay a legitimate company to do such a thing?
Thanks
PEDRO
May
11
After a chap 7 bankruptcy how long should you wait to check your credit reports?
Filed Under Credit | 4 Comments
Jenn N Kentucky asked:
How long should we wait to contact any companies to tell them to please post it on our credit report that we filed on them?
We recieved our discharge papers last week, and I was wandering how long til I check my credit reports to make sure it shows.
TOMMIE
How long should we wait to contact any companies to tell them to please post it on our credit report that we filed on them?
We recieved our discharge papers last week, and I was wandering how long til I check my credit reports to make sure it shows.
TOMMIE
May
10
My boyfriend has bad credit and mine is good. We want to get an apt, will they check both our credit reports?
Filed Under Renting & Real Estate | 9 Comments
*cupcakes* asked:
My credit isnt excellent or anything like that but its pretty ok. But my boyfriend’s is horrible though. Is that going to affect us getting a decent one bedroom apartment? Or do most renters only check one person’s credit, whoever puts the name on the lease? I’m a newbie at this, please help.
JOE
My credit isnt excellent or anything like that but its pretty ok. But my boyfriend’s is horrible though. Is that going to affect us getting a decent one bedroom apartment? Or do most renters only check one person’s credit, whoever puts the name on the lease? I’m a newbie at this, please help.
JOE
May
8
How do I fix my credit report for a charge account I am a cosigner of?
Filed Under Credit | 5 Comments
Joe H asked:
I cosigned a credit card loan for my brother. He racked up thousands and stopped paying over a year ago. The debt is already charged off. He is working with a credit counselor to resolve the debt but its going to be awhile. I’m wondering if maybe a “consumer statement” will help. There is nothing that indicates that it isn’t actually my account. Any advice on wording a credit report consumer statement?
FREDDY
I cosigned a credit card loan for my brother. He racked up thousands and stopped paying over a year ago. The debt is already charged off. He is working with a credit counselor to resolve the debt but its going to be awhile. I’m wondering if maybe a “consumer statement” will help. There is nothing that indicates that it isn’t actually my account. Any advice on wording a credit report consumer statement?
FREDDY
May
4
Who pays for the free credit report that I am entitled too if I am denied credit?
Filed Under Credit | 4 Comments
Brokeback asked:
Is it the entity that denied me credit or the consumer reporting agency?
VIRGIL
Is it the entity that denied me credit or the consumer reporting agency?
VIRGIL