LLP81 asked:

Comedy Credit Crunch song starring Bush and Brown. Sit back, relax and forget about the recession for 2 min 26 sec! www.rebelvirals.com

KEITH

V. asked:


I have great credit 755 and want to get a secure credit card, would it hurt my credit?

RODERICK

April B asked:


I have 5 negative reportings on my credit report. None of them are after the year 2004. I am wondering since there over 4 years old, how much are they affecting my credit score? And, has anyone ever heard of credit card companies deleting accurate late pays if asked?

STACEY

Michael asked:


I am 20 years old and after trying to get a card for a store I find I have 0 credit history. I have never owned a credit card and want to pick a good one to start bulding credit. Does anyone know a good card to go with that has low interest? Heck if you have any credit tips it would be helpful too…Thanks!

TERRENCE

Dr. Ernest J Folk asked:


With the economy down and it impossible to get credit. Do you think it is a good idea to lower the credit standards so that it is easier to get credit. For example. Those that currently have high credit scores should be able to pay no interest on any loans. And those that have fair credit scores should enjoy the low interest rates of the people that had excellent credit. And for those that have poor credit, they should have decent rates, not sky high rates. In other words if they get rid of high interest on loans, do you think the economy will improve?

SHERMAN

Emanuele Allenti asked:


TRW is a company that handles requests from individuals to see their credit report. A TRW free credit report is only a letter away. You can contact them and request your credit report to be sent to you and they will make sure that you get your credit report. You may ask “Well why should I get a TRW free credit report when I know that my credit score is as good as it ever was?”–Because you don’t know if it is as good as you think. There are millions of people who have their details upgraded everyday and what if some of the details get mixed up with yours?

Large companies recommend that you get your credit reports get delivered to you at least once a year. A TRW free credit report will let you know if there are any mistakes in your credit report. There are not many people that have problems with their credit reports, but some people’s information can be out of date or just totally incorrect. If you receive your TRW free credit report and it is out of date or incorrect, then this can cause many problems.

An incorrect credit report can mean that you will be denied job opportunities, denied for credit cards and also trouble in securing yourself insurance. If that does happen then TRW are not to blame; their records may be out of date, especially if you have only just applied for a loan the previous day prior to receiving your TRW free credit report. A TRW free credit report can be obtained more then once, the only problem is that you will lose the word free. If you have received your annual TRW credit report, but would like to receive another report you will have to pay a fee. That fee can be between $3 and $8 depending on which state you live in. It may sound tough but they are trying to protect your credit report as much as they can.

Citibank doesn’t seem interested in expanding to offer customers the option to check their credit reports. They are leaving that to credit reporting agencies. However, Citibank does provide customers with credit report information to teach them how they can continue to increase their credit scores on reports every single year. And they don’t just tell you to stick to a budget; they also offer you a lot of other useful information. If you haven’t heard of the three C’s of good credit, then you should head on over to the Citibank credit report information webpage. This Citibank credit report information webpage is jam packed with great ideas to keep your credit rating well over 600 without any chance of losing ground without knowing.

The Citibank credit report information webpage also gives you a small example of how to control your debt and how to make those monthly repayments. When Citibank was creating this webpage, they must have put a considerable amount of time into determining what tools would help customers best. To be honest, this is one of the best available credit report information pages. If you are looking to rebuild your credit rating or you want to apply for credit, then the Citibank credit report information webpage will give you all the information that you need.

If you have just received your credit rating, and it wasn’t what you expected, then you are probably trying to figure out how to repair it, which is probably why you came here. If you do need to seriously repair your credit rating, then you should give the Citibank credit report information webpage a look. Citibank is a reliable company that provides customers with powerful solutions. They may just have exactly what you need to repair your credit.



TRINIDAD

Ronnica Rothe asked:


If you are looking to make a big purchase like a house or a car or want to apply for a credit card for any reason, the prospective lender or creditor will look at your credit report to see if you qualify. Whether or not they allow you to borrow the money needed for the item or give you credit to spend will be based on what they see on your credit report-to.

The first thing to do is pull a copy of your credit report. The three main credit bureaus are required to give you a free copy of your credit report each year. These reports will not include the credit score, but will provide you with the other information provided to lenders who request your information. Information on your credit report with each credit bureau might be slightly different, so it is good to check each at some point in the year.

After you have pulled your credit report online, review it to see if there are any inaccuracies. Make sure that each account listed is correct. If there is a wrong item on their, you will need to contact the credit bureau through their simple online reporting tool. Good items can stay on your credit report indefinitely, but most negative items can only be on there for 7 years. Chapter 7 bankruptcies can stay on your credit report for 10 years, and unpaid tax liens can remain for up to 15 years. If you find that a negative item has stayed on your credit report longer than the designated time, you will want to make sure to report that to the bureau as well. If you have any problems with one credit report, make sure to check your credit reports with the other two bureaus to see if they have the same inaccurate information.

There is no legal way to remove accurate information. Any company or individual who promises to do so for a fee is probably scamming you. The best way to fix bad credit is to focus on building good credit. While negative items can remain for seven years or more, they will have less impact on your credit score as time goes on. By practicing good credit habits in the future, you will be able to show that the problems in your past do not truly reflect your current financial situation.

To find out more specific ways to improve your credit and find out ways to escape from debt, talk to a credit counselor. A credit counselor can review your credit report with you and explain why items are good or bad, and what can be done to improve your credit in the future. A good credit counselor has experience with the ins and outs of credit reports and can provide you with the appropriate financial analysis.

Once you have actively taken steps to improve your credit, you will find that you will qualify for better loans and offers from credit companies. Of course it is important to continue using your credit positively so to keep your credit decent.



ROLF