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Posts Tagged ‘Credit Card’

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CreditOptions911 asked:


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Lance

 

When is the first credit score out?

Sugu asked:


A friend got his first credit card in Oct 2009. In Jan 2010 he still had no credit history. So, after how many months do you start seeing you credit score in Experian, Equifax, TransUnion?

Peggy
 

Is there anyway to check and see if someone has used my EIN to open other bank accounts or credit cards?

DOF asked:


I suspect some individual may have opened a bank account, obtained a credit card, a debit card and a credit line using my Federal Tax Identification Number (EIN). How do I find these accounts. Experian, Equifax and TransUnion say that they do not capture this information from businesses that have an EIN.

Jessie
 

I found a company that offers a credit card to use with their online stores but can’t remember website?

my_way_of_hiding asked:


I can’t remember the company name, but you sign up, pay 9.95 and they send you a credit card to use with their affiliate companies to help rebuild your credit. You start off paying 51% of total price and the rest is made in payments, they report to the major credit beareau when payments are made on time, or even if they’re not. Can’t remember the website for the life of me. Anybody have any idea what it is?

RICHARD
 

Please help! I need a Free Credit Report?

pretty bia asked:


Where can I get a completely free credit report at online?? I’m moving into my own place, but I’ve never had a credit card before.. they want me to submit a credit report by today, but everyone web site I go to asks for a credit card. The landlord already knows I’ve never had a credit card, and I’m guaranteed the place, because its a family friend, but I need to somehow get them a credit report for their records. Please help!!

ALI
 

Credit Reports From Experian and TransUnion, Are They So Good?

Emanuele Allenti asked:


The ability to see your own credit report for free has taken America by storm. Many companies are overwhelmed with the amount of people requesting to view their credit report. A free online Experian credit report might be the way to go. Getting your free online Experian credit report is very simple. You just enter your details and within a few clicks of your mouse, you will be viewing your own free online Experian credit report.

If you want to use the free online Experian credit report, then you have to be aware of the charges that will occur if you do not cancel your online membership. Once you have signed up and used the free online Experian credit report, then you will have 30 days to cancel your membership if you do not want to use the service anymore. Otherwise you will be charged monthly on your credit card. A free online Experian credit report is a great way to check your credit rating from home. Also, if you are with Experian, then you know that you are with a very respected company that will always look after your needs. Experian (formally known as TRW) is a credit-reporting agency, which means that they have a lot to live up to. They always meet their customers’ needs and they have a very professional website; they know what people want when they request their credit report, and they know how to deliver something special.

The service offered by Experian is virtually unmatched by others. It seems that the only benefit that the other companies can offer you is that they can show you all 3-credit reports at once, including Experian, Equifax, and TransUnion. But Experian offers quality customer service as well as an easy to navigate website. The choice is yours.

A credit report score from TransUnion is a great way to get an up-to-date and accurate credit report. You know that you can trust your credit report score from TransUnion; this company is one of the three major credit-reporting agencies and will always have your name on their files. You can get your credit report score from TransUnion while surfing the web. Their website is easy to navigate and you can become a member within minutes. You can then pull up your credit report score from TransUnion on your computer screen within a matter of minutes.

You might find one day that your credit report score from TransUnion is different from a different company. You can then query this mistake and have it sorted out for you in a couple of days. Isn’t it better to find out this kind of mistake sooner rather than later? With the TransUnion website, you can get your credit report score from all three major credit-reporting agencies. This allows you the chance to compare and see if there are any errors that might appear. If there are, then you can get in touch with either on of the companies and inform them of the error on your statement. We all know that one small error can cause you a lot of problems, such as being turned down for credit. So it is best to always keep up to date with your credit reports.

A credit report score from TransUnion will let you know your chances of getting accepted for credit. You can just switch on your computer have a glance at your credit score and know if you will be accepted or not. If you want to keep your credit rating in a good standing, then you will need to keep up to date with any payments that could bring it down. Once you are out of the red, you will never want to go back.



JULES
 

What would you do If your dad used your name to get a credit card and didn’t tell you?

Maggie P asked:


My father took out a credit card in my name with an $800 credit limit. It is maxed out and over about 160dollars! I found out about it tonight only after having investigated my credit report online. He didnt’ tell me at all about the credit card. I live with him and my mother. They put a roof over my head and food on the table so I dont want to get him in trouble with the law but It makes me so angry he did this. He’s having a few debt problems himself and that’s why I am afraid he’s going to skip out on making payments and It will ruin my credit history. I dont even have a job to pay for this myself that just makes me even more worried !
I dont want my credit ruined before I even get started for the future.
What can I do about this situation?

BEAU
 

how do i get a credit report mailed to me?

Monique asked:


i havent used credit at all. i just turned 18 but my mom has used my social to get credit cards. put my name under phones bills and everything. i try to get it online but it says i need a major credit card. then i try to get a major credit card and i always get declined cause my credit is so bad i suppose . what should i do to get it mailed?

OSVALDO
 

Can a collection agency post negatively to your credit report without your social security number?

John asked:


I received a letter from a collection acency asking to pay a debt from an online scam site. They don’t have my credit card or SSN but they do have my name and address. Can they really find my SSN and post on my credit report? Or are they trying some scare tactic with me? Thank you in advance for your help!!
Thanks for your VERY quick answers, one thing I don’t understand is how can they post on your credit report if they don’t have your SSN? Someone else used my name and address with a prepaid debit card on this site and now they want me to pay for it. So all they have is my name and address, I don’t see how they can tie this to my credit?

NESTOR
 

Do i need a credit card ?

JuJu Bean asked:


Do i need to have a credit card in order to have a credit report or to view my credit report online ?

CASEY