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Credit Reports

Parent Category: Credit
A report detailing one's borrowing and repayment record used to determine one's credit reputation. It is used by lending institutions to find the subject's credit worthiness.
The short answer is yes. The long answer is that when you co-sign a  loan for another person, you agree to be responsible for that loan  should they default so if they fail to pay the loan back, the  creditor will expect you to shoulder the responsibility. If you  fail to pay the loan back, it...
Accumulating enough savings for a down payment, closing costs,  moving costs and an extra cushion of emergency savings can be the  most challenging aspect of buying a home. Renters who want the  stability and pride of home ownership and the opportunity to build  equity in a property are...
No, collection agencies do not have any right to freeze your  savings account. Only banks have the right to freeze your account  but depends on the nature of the default.
Bankruptcy only impacts your credit for 7 years. Contact Experian,  Transunion, Equifax to get it removed from your credit report.  Addresses and phone numbers to all 3 are avail. on internet,
Fingerhut will often approve people who can't get approved for  other credit, so credit scores as low as 600 or lower might be  approved. The amount of credit you get from Fingerhut will depend  on your credit score, so if you have a lower credit score, you may  not get a lot of credit right off...
It depends on local legislation A basic, rough primer: In the US, BK is always done under FEDERAL Laws, in a Federal Bankruptcy Court. Basically State makes little difference. (Yes the BK Courts operating in certain areas have certain special exemptions and such, minor in the overall, generally...
  Canceling cards usually does lower your FICO or credit score; if you have a balance on a card, pay it off or transfer the balance to a lower-interest card. Then take scissors and cut up the old card (and any new ones they send you in the future). But then you don't need to actually cancel it.
  You can get a free credit report from all three once a year. Other than that, you can get one any time you are turned down for credit based on your credit report. Once you have the credit report you can submit an explanation of any bad things reported about you. That way you have the detail as...
== Answer ==   A 10 or better in all three sections. A composite score of 30 is competitive. More balanced scores are better than "lop-sided." E.g. 10, 10,10 is better than 13, 13, 4. If you just need a content review and not a formal class, I would recommend taking a look at http://www...
  The guy in the freecreditreport.com commercials
As a program coordinator, there are four broad reports that are  available to you. Which of the following is not a report that is  available to you? 
A line of credit is one type of revolving credit, which works  similarly to a credit card. Both a line of credit and revolving  credit have a set amount available to use, and when you pay down or  pay off the amount, the credit is available for you to use again. A  line of credit may use...
That is your card and you can share it with who you like. Be prepared if things don't work out well though. If you allow someone else to use your credit card you will be held personally responsible for any charges they make to your account. If they refuse to pay then you must pay for their purchases...
What is a certificate of analysis in a letter of credit?   A document required under L/C requesting to analysis the product and to certify it.
There are a number of specialty near-prime, sub-prime and "hard money" lenders that will lend to individuals having low credit scores. In most cases, the lender to choose depends specifically on what you are trying to get credit for. There are specialty auto lenders, mortgage lenders, personal loan...
You should avoid using credit cards if at all possible.  Irresponsible use of credit cards can credit large amounts of debt  quickly. The interest charges can be substantial. Debit cards  usually do not charge interest and can be used in situations when  you don't have cash or need to hold...
Contact your bank. If the card has already expired, you will needto use cash so be prepared for that. Your bank will mail you a newdebit card. You can also go in to the bank directly and option anew debit card immediately.
Defaulting on a payday loan is a civil crime - not a criminal  offense. Therefore, you shouldn't have any jail time in Missouri  for this. And, if a debt collector is threatening that you can and  will go to jail for this, then they're full of it! This article  explains more -  http://www...
In most scoring systems, a 786 is a very good score.
It depends on the balance :)
Depending on the scoring system used, that score may be considered low or "sub-prime", but not necessarily "bad". You should take steps to improve it.
Pay your bills on time. Don't use more than 30% of your available credit.Establish a long history of paying your bills on time.
It will remain on the report for the required length of time and should be marked "included in bankruptcy."
Go to the school system's website. There should be a link there.  Try the school website as well.
Answer . NOT unless it was stolen. Stolen cars are reported stolen. Cars securing a loan in DEFAULT are reported as DELINQUENT to the credit bureau.. Answer . \nIf you choose to report the car stolen, go ahead. I would not reccommend it though. Filing a false police report is illegal in most...
  The parties to a Letter of Credit are   (1) the Buyer (the applicant)   (2) the Buyer's bank (the issuing)   (3) the Beneficiary (the seller/payee)   (4) the beneficiary's bank (the ADVISING BANK).   (5) the CONFIRMING BANK (often the same as the advising bank)   The LC...
No. They only accept Visa as debit.
Contact your creditor and see what kind of paymant deal you can make. Some will take a lesser payoff if you can manage to make it in one payment.
I doubt it ! Banks will rarely loan a customer money to pay of their own credit card ! An application is likely to flag you up as a bad debtor !
Credit card company is different from bank, they provide you thecredit on their own risk, if you don't pay them back, than theyeven can't ask your bank to pay them.. So you can say that- they are charging the high interests for themoney they are giving you at the time- you need it most, and youdon't...
YES if the below conditions are met: You have sufficient balance in your US bank accountThe merchant/ATM in London accepts the type of card that you have (Ex: VISA or Master Card etc) The UK banking system requires cardholders to have a PIN (Personal Identification Number), so you may have...
The actor in the commercials is Eric Violette. He is a french Canadian actor, but he is not the one really singing.   His website is http://www.ericviolette.com/   The singer is Dave Muhlenfeld, a senior copywriter at the Martin Agency. Dave created the concept and also wrote the songs and...
There are many web-sites that will provide you with a copy of your own credit report if you ask for it ! You don't need to wait for someone to run your details through a credit agency - you can get your own report any time you want to.
  == Answer ==   Yes as long as their income and deposit meet the landlord's requirements.  Remember, every landlord is different so it depends.
In general, those becoming "authorized users" will not have changes made to their credit report unless (1) they become an authorized user of a company card and that company requires employees to take personal responsibility for charges or (2) they become a joint account holder, making them...
Your credit score is based on your credit history. It is not the affected by the number of times you check your own credit rating. However, many credit scores factor the number of times someone else checks your credit and it may lower your score.
Yes - I just got DirecTV and I have a very low credit score truthfully. I just had to pay extra for setup, and I couldn't get some of the deals. Great TV though.
It shouldn't - because working out a payment plan shows that, even though you're in financial difficulty, you're still willing to settle your account.
I think to have total controll or what's called absolutism king
If you've lost your card - the easiest way, is to phone the number on your statement and ask for a new one. They will immediately cancel your old card, and post a new one to the registered address usually within 48 hours.
it was just a misleading. there is no really free credit report but there's a free credit report trial
The first step if you do not have a reporting account with the credit bureaus is to file a civil suit against them and win. (Be advised that the "and win" part is not guaranteed, going to court is never predictable.) If you have a judgment the next step is to try and collect, if they will not pay...
when you don't share your credit card with anyone and if you are  asking in context of on-line credit card processing then check  security system of website whether it is PCI-DSS certified. And if  payment page goes to a payment gateway then check if that payment  gateway is PCI-DSS certified ...
Yes - because a debit card can only be used IF there are funds in the bank account to cover the transaction. I use debit cards myself - instead of carrying large sums of money. So long as I have funds in my account to cover purchases on the card, the transaction is accepted.
  Dream Girl   Well I married my dream girl   I married my dream girl   But she didn't tell me her credit was bad   so now instead of living in a pleasant suburb   we're living in the basement at her mom and dad's   no we can't get a loan   for a respectable home   just...
Answer . \nThere is a federal law referred to as the "Cooling Off Rule". It applies to the majority of lending transactions and in this instance would be valid. The consumer is given three business days to cancel the contract. If this was done, the transaction would not appear on the credit report...
Yes - if you're not named on the card, and you use it to purchase goods or services - that is fraud - which is a criminal offence !
Depends how you look at it. They hurt your credit score the same if they are on your credit report. But they can be collected differently. If someone gets a judgment against you they can garnish your wages and take your tax refund. A charged off account is usually sent to collections and could...
Answer . \nWhat you need to do is obtain a copy of your credit report. These are agencies that keep track of people's debts and credit ratings etc., and whenever you apply for a loan or credit card or mortgage etc., the bank obtains these reports from these agencies. There are 3 major credit...
Yes, it is possible to have a credit score even though you don't currently have any credit cards. If you have ever applied for credit of any type then you are likely to have a credit score.
The credit card company pays the retailer a fee every time someone uses the machine to pay for purchases. The card company charges the customer a fee for paying by card (usually in the monthly interest charged).
First: Was the original letter of credit was part of the terms and conditions of the letter of credit? It depends on a) whether the letter of credit is subject to the ISP98 (Rule 3.12(A) states that the bank does NOT have to replace it nor waive a requirement for the original to be presented. So,...
The simple answer is yes. I have seen it done, only takes 10 minutes and you can set the pin to 0000. Chip and pin is no where near as secure as banks make out. I have had 2 cards cloned. Barclays have admitted to my card being cloned and have sorted the issue, whereas Mastercard are point blank...
Bruv is a term normally used by the British, it means mate, pal, friend, etc.
  Did you draw up a bill of sale with the date on it that you both signed? Do you have proof of payment from the person? If not, good luck since you have no proof of sale!
They make money - by charging interest on customers outstanding balances every month - and in fees for sending payment reminders. That's how they pay their staff.
  The link attached is the telephone directory of Greece where you will find KARPATHOS
  I spoke with an NFCU rep today; she called my local branch for me, and yes, they do offer the service. At my branch - Brunswick, ME - it is done free of charge. It's possible that this is only available at certain branches, so YMMV. (The service representative didn't herself know what a...
A significant part of the equation to evaluate risk of long-term debt is the reliability of the organization issuing that debt and the likelihood of paying back that debt. In most cases, investing in the US Government is a lower risk than investing in a corporation.
It's fine for purchasing at Rent-A-Center and borrowing at pawn shops.
If the person is not authorised to use the company credit card, anything they spend is fraud - no matter how much or how little the amount !
Yes they can ! So long as there is an outstanding balance - even if the card has been cancelled - you are required to make the payments the company asks for on or before the date they're due. If you fail to make the payments in due time, they are entitled to charge a late fee and/or interest !
Pay up ! It's customers who default on their debt that pushes up the interest rates for the responsible customers ! Why should we pay for your incompetence !
A voluntary judgment occurs when the debtor agrees to the charges  against them from their creditor. A court will act as a mediator to  finalize a payment arrangement that the debtor offers to the  creditor.
== Answer ==   It takes minimum 2 years to see an increase in your credit score but again it depends on the consistency of your payments to debts   == ==   == Answer ==   There are three credit bureaus. Each of them can take anywhere to 1 or 6 months to update each of your accounts. All...
I am not completely sure of the age, but I am seventeen and my sister is sixteen and my mother was able to get each of us a credit card. Her purpose was also to help us establish some credit. Of course we are on her account though, but the cards are in our name.
No - a debit card is simply an electronic version of cash. If there are insufficient funds in your account to cover the transaction, the card will be declined.
your score is a certain number which falls into a certain range of numbers. the ranges are labeled somethings like good, fair, poor. yuou want your number to fall in the good range...
Thirty seconds of Google says 42.8 cents. That's Indian Rupees to American Dolla
If you are asking as it relates to your credit score.... Use your card each month and pay the balance in full each month. If you have the card charged up to your limit, that brings your score down. Making on time payments each month helps your score.
I would thinks so. You have a right to defend yourself and its on them to notify you of the date. If they never told you when then due process was not followed
Bank Overdraft is a facility wherein a bank customer can withdraw more money than what is actually available in his/her account. Let us say I have an overdraft account with ICICI Bank and have only Rs. 5000 in my account, I can withdraw even 15000 or 20000 from my account. I will have to repay this...
They won't reduce your debt. However, If you're in difficulties, credit card companies would rather negotiate a lower payment rate over a longer period - than default your account. They would normally try to help a customer than go down the legal recovery route.
  == Answer ==   Debts will only show on your credit report if it is underwritten by a "subscriber" (any company that reports your financial behavior).  In this case it will be reported monthly to the credit bureaus.  Note that debts are reported to the credit...
The German version means a(n) beautiful
Well assuming you mean "10 dollars" or "10 euros" then it would be: 10 U.S. dollars = 466.200466 Indian rupees10 Euros = 635.617716 Indian rupees
  == Answer ==   Yes...once it is paid.
It all depends on what bank you use. For example CHASE. There monthly maintenance fee is $6.00, if you do not use your debit card 5 times within the month. Basically there charging you to keep your card active. This is a new concept and opinions about it are not very high among the people. Bank of...
It means some reefer bro
convert 20 cent into indian rupees
  Yes you can have it removed from your credit report. I had a similar issue with a medical bill. It was never delivered to me by the hospital or collection agency. I called the agency and explained this. They said I could pay it off and they would have it deleted from my record. They also said...
  == Answer ==   The bank will sell your car at what ever price they can get and apply the proceeds to your account. If you owe them more than they get for it they will want you to pay the difference.  You should try to sell it youself for enough to pay off the loan. Banks won't
Answer . \nA Chapter 7 bankruptcy cases can be reopened after discharge and case closure under certain circumstances. \n. \nMany bankruptcy courts routinely grant debtors' motions to amend schedules to list previously omitted creditors. \n. \nBut reopening a closed, no-asset case to add a creditor...
  == Answer ==   A bank can turn anyone down for any reason they want - as long as the bank is in compliance with the laws governing fair lending (race, creed, color, sex, religion, national origin etc.).  If they see anything that causes them to believe a consumer is an...