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I have paid off my outstanding debts in the past 3 months, when does it show on credit report?

Stephanie P asked: I was past due on 2 credit cards that the companies closed, still owed the paramedics $500, and owed Cingular for canceling a contract! All these were showing up on my credit report in November which landed me a 13.5% interest rate on my car!!!! From November until last week, I have [...]

Posted August 24th, 2009 in Personal Finance | 3 Comments »

FREE CREDIT REPORT: MAINTAIN YOUR FINANCES EFFECTIVELY

Michael Tummillo asked: A good credit score is really important to entail external financial assistance in the form of loans for fulfilling important needs. A good score lowers interest rates on loans and vice versa. To entail any form of loan, all creditors will check your financial position so that they will get to know [...]

Posted August 23rd, 2009 in Free Offers | Comments Off

Best Place to see your credit score and report?

♥ Mary ♥ asked: Someone just suggested to me to use Privacy Matters 1-2-3. Now last Saturday I went to freecreditreport and signed up…BUT They said they were going to send me something in the regular mail that will tell me how to log on the first time. So now the free trial days are [...]

Posted August 22nd, 2009 in Credit | 4 Comments »

Where Can I Get My Free Credit Report

Steve Evans asked: et a free online Experian Credit Report at their web site locations when you sign up for a free trial of credit monitoring and the service is free as long as you cancel soon afterwards and before the initial free trial period is over. Simply fill out your information for identification purposes, [...]

Posted August 20th, 2009 in Borrowers | Comments Off

Your Free Credit Report As A Negotiation Tool

Devora Witts asked: Everybody knows the uses of a credit report. If you want to know where you stand, what your credit situation is, you need to obtain a copy of your credit report. Also, you will be able to correct any inconsistencies by disputing negative items on your report that you believe to be [...]

Posted August 16th, 2009 in Credit | Comments Off

What does reason 3 mean when Certegy won’t cash a check?

babies_happen asked: I went to walmart today to cash a $80 payroll check and was declined. I normally just deposit in my checking account but i recently closed it because i am moving in a couple days. Any way, they wouldnt cash it. they gave me a piece of paper with blah about check transaction [...]

Posted August 16th, 2009 in Personal Finance | 1 Comment »

what’s the point of a credit report with no credit score?

J S asked: I stayed away for years from these scams I was on that Dolans site from an aol article they say get a free report at annual credit report it gives me 3 choices The information I received was useless things I knew it sums up all the credit cards and loans I [...]

Posted August 14th, 2009 in Credit | 3 Comments »

Exactly how do I get free credit reports from the 3 major credit reporting companies?

bethel asked: I’m trying to help my step-daughter get the free credit reports which the 3 major credit reporting companies are suppose to provide. She can not find a phone number for any of the companies which is answered by a human. What must she do? Write them? If it can be done through the [...]

Posted August 13th, 2009 in Credit | 4 Comments »