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 have and have had

No credit score??

Honestly
What am I supposed to get out of this

I noticed only the site I chose gave even this free, the other charged and the other would have
All the options were full of tricks to steal money from you
Even the one I had chose had the
little tiny
“No Thanks I’d like my Free report”
hidden way below the other options

but I’m really angry
I guess because I don’t see what use my report is
I think I have great credit but why no score
am I the only one who believed my credit score would be listed in my credit report
Is there a way to calculate it

lol
sorry.
i’m wicked heated, I hate being scammed and tricked

Hazel

magy asked:


Just found out they had a security breach- they say it was only contact info, not SS #s, and guarantee all your $ with them against theft/fraud, but should I ‘red flag’ or whatever you call it (out an alert on my accounts to watch for unauthorized activity) with the 3 companies that do FICO scores to be safe? How do you go about doing it? Already got my free credit reports for this year…what are my options to help ensure my identity was not stolen?

Victoria

Kelson asked:


I’m looking to build up my credit as much as possible over the next 9 months or so. I’ll be applying for a car loan and apartment lease at that time and want to ensure I get the lowest interest rate possible and get accepted for my lease.

I’m currently debt-free on paper and have no bad credit marks on any of my 3 credit reports. However, I have zero credit cards of any kind in my name. I also owe about $7,000 to my parents. When I pay this off and save up for the car down payment & apartment move-in costs, I will need the better credit.

I was thinking of applying for a couple of credit cards to start building credit (and just using them sparingly – a small charge once per month and paying it off every month), but I’m not sure if that’s the best course of action. Also, if I do this, I want to get cards that I can use over the long-term as I am aware that longevity is important for credit scores. I’d like to avoid annual fee/high interest cards, if possible.

Thanks!!

Erica