Consumer Credit Reports – equifax experian score

Your Favorite Cat BINKY! asked:


When i worked in New Jersey, i worked at three Agencies. They ALLput me to work at Warehouses, and i did well. ONE of them said “If you have something in your background, tell me you want to work for this one,” as the Temporary Agency makes you work for their “Clients,” which are “Businesses.”

this one is called “Volt, Inc.” in Indianapolis. They have a Big office on the 11th Floor.. and they are JUST NOW getting Jobs in. IVE BEEN ASKING FOR 4 MONTHS sicne DECEMBER!!! .. and now im taking the tests for a Job…

They said they will Drug and Background Test me.

I CAN PASS THE DRUG TEST.I DONT DO DRUGS AT ALL. THIS IS EASY.. ANY WAY THEY WANT.

However, for Background, I have:

State of NJ, Oct. 2007 (Conviction Date) 1 Count NJ 2C:39-5 (3rd Degree) “Unlawful Possession of a Weapon without Permit” <-- best wording i can Guesstimate...

IT WAS FOR A BB GUN

Now. IF the client DOESNT hire ANYONE with ANYTHING in their Background (as was the case with DHL, 2 weeks ago, i would aworked the SAME DYA, i answered "YES" to their question "We do a Nationwide Criminal Background Check, anything that will pop up?" I said "BB Gun Conviction, 3 or 4 years ago"...)

.. CAN i "JUST SAY NO" and because the guy KNOWS ive FOLLOWED UP with him (Politely, Professionally, and now there IS an Upcoming Job that they are "Hiring In Bulk" for..) CAN he put me on ANYWAYS, kind fo PVERLOOK it, IF i put "No" and fill in my "I authorize Lexis-Nexis to obtain a Consumer Report, etc.)

?

I have GOOD CREDIT and CLEAN DRUG TEST.. thats TWO OUT OF THREE!!!

I dont know what to do.

id be Hired by the Temp Agency, FOR their "Client"...

btw: "Careers and Employment section" is ONLY SPAM.

Amy

zzzmama asked:


This does not apply to me, it’s just a general question since the next bank bailout might be due to credit card defaults.

If consumers can’t pay their credit cards and default and file for bankruptcy is the debt cancelled. In other words will they receive a 1099 C and have to report that as income or not.

Without the BK, I think they do, but with the BK I think the debt is cancelled.

Jennifer

Justin Fox asked:




Best Credit Report – Want to get the best credit report out there, you know you have to get three copies of your report form the 3 different American credit bureaus companies – you get one for free but what about the others? and what fraud protect is best, let me help:

First, what is s credit report and what use it it? Have you ever applied for credit and been turned down, but didn’t understand why? You need to understand your report and how to get the best out of it.

Why have a credit report?

Well, A typical consumer has access to $12,900 worth of funds on all credit cards combined, and there were 9.9 million victims of identity theft in 2002. It is the fastest growing crime in America
With consumer credit is at an all-time high and credit card fraud.

We need a Credit Report to protect us and let us get credit. By obtaining your credit report you can pro actively do things to improve your credit score – used by lenders to ***** whether to lend us money or not.

Credit reports provide protection – What you see in that report will let you know if you’re in jeopardy of becoming a victim of credit fraud. There are a lot of scams out there so you need to constantly analyze your credit report to spot fraudulent activity. You check your credit card statement don’t you? then for the same reason you need to check your credit report.

To get the best credit report you need to access your report from the three main credit bureaus – you can go direct to these companies, or obtain it through the huge number of companies how offer more competitive rates and other services. The government allows you to get one free report per year.

The reason you need more then one is because all the information on each report is different. Lenders will only pass information onto one bureau. It is not uncommon for your credit score to differ by as much as 100 points – so you need to get the 3 credit reports and then contact each bureau and update your info.

The July 2000 issue of Consumer Reports quoted a study where more than 50% of the credit reports checked contained errors, from this high number you can see the likelihood of your report not only being inconsistent but containing errors too.

My report contains some bad information – how do I go about fixing that info?

There are three primary ways to repair your damaged credit score therefore improving your credit worthiness:

Wait 7-10 years for the items to fall off your credit report Repair your credit yourself Use a professional credit restoration firm
First, ask yourself:

Are there errors on your credit report? Could you renegotiate a better interest rate with credit card companies? Might you begin working with a financial planner? Have you been a victim of Identity fraud? You might need to need to refinance your home Maybe a relative or spouse’s credit information showing up on your credit report? Do you need to improve your insurance premium rates? Improve your debt structure?
Be careful of companies guaranteeing to fix your Credit Score

A common trick for them to use is illegal! can could get you into big trouble.
They will contact the Credit bureau and dispute a legitimate section of your report – by law the bureau has to take this info off until the dispute has been resolved.

So from your point of view you’ve handed over $500 – $1000 and they have seemingly removed that negative information, but once the dispute has been resolved and they have found it is legitimate it will land right back on your repot – by this time, the company has made like the wind – good luck trying to get your money back!

Be sure to do your homework when getting the best credit report – for more information and other tips and tricks go to credit-reporter.net

To get your free credit report today visit www.credit-reporter.net [http://www.credit-reporter.net]

Claude

Jeanette Joy Fisher asked:




You can buy a home to live in with poor credit. However, you will save thousands in loan costs if you maintain good credit.

A bad credit report leaves home buyers with nonprime loans which cost more money because of:

high point charges high loan processing fees prepayment penalties high interest rates
If you desire to buy your dream home or investment properties to build your future wealth, you must maintain good credit.

Avoid these 12 common credit mistakes to build strong credit and save money in mortgage loan costs.

1. Mortgage lenders often scrutinize the type of credit used. Consumer credit, the kind associated with department store credit cards and finance companies, has high interest charges and deducts points from your credit score.

2. “Too much consumer credit,” a common remark in credit reports, is caused by too many lines of credit or too many credit cards.

3. High balances caused by only paying the minimum due or maxing out credit cards or lines of credit generate deep drops in scores.

4. Cash advances costs higher interest and extra fees. These extra charges accumulate and keep balances too high.

5. Charging over your limit and paying penalty fees causes negative “high proportional amounts owed” remarks on credit reports and deducts points from credit scores.

6. Late payments, sometimes even only by one day, cause unnecessary late fees. Late payments often increase account interest rates.

7. Some consumers charge more than they can afford. This causes a snowball effect of amassing debt with no easy way to pay it off.

8. Co-signing a loan raises debt-to-income ratio and possibly adds “too many consumer accounts” on your credit report, which lowers your score considerably.

9. Don’t ignore credit problems. Talk to creditors before making late payments and make correction arrangements. This action heads off negative reporting to credit reporting agencies.

10. Report address changes to creditors to avoid misplaced bills and late payments.

11. Use your full legal name to protect yourself from confusion. Avoid partial names, different names, and initials. If appropriate, use Sr. or Jr. Report name changes to creditors to avoid confusion.

12. Check your credit report often for mistakes and protection from identity theft.

Avoid credit mistakes to build strong credit and keep your credit scores up. Understand the difference between good credit and the credit needed to obtain real estate financing. Finance your dream home or dream investment portfolio!

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