What would you like to do?
Should you now ask Experian for more information or write to the company who is charging you After disputing your credit online with Experian?
They will know because the creditor reports it to them. You will not get anywhere by calling and telling them. But you can send proof of your payment in full via certified mai…l. Request that they send a complete credit report showing the accounts paid, or settled, whichever is correct.
addendum to question: want to know same thing because mbna is insisting my ex boyfriend is a co-signer and i know for sure he was an additional card holder. my bad debt is sc…rewing up his credit and i went through official channels, filed required paperwork and can't get his name released from the debt. I asked for proof that he was a co-signer and they said their records don't go back that far. Then, I win, right? Think about this for a minute. If he was just an additional card holder then if my company which is in the top "500" goes broke [they gave me the card I didn't want it]then I will have to pay their bill!!! I don't think so. Have an attorney write them a letter his name will disappear before the ink is dry. There is a difference in additional card holder and an authorized user when it pertains to personal accounts. If in the original agreement that was made it notes that an additional card holder will be designated a joint account holder, the creditor can report account activity on the person's credit report and hold said person responsible for debt repayment. Authorized user's are not responsible for the debt, but some creditors will still take (and can legally take) said person to court to try to recover money owed.
Answer Absolutely. You authorized additional pulls of your credit when you established the account. This is not only legal, but customary. Credit car…d issuers periodically check your credit to see how you are managing your financial obligations. If they notice late payments on other credit accounts, they can use clauses in your contract to raise your interest rate, even if you have never paid THEM late. They also perform an inquiry into your credit report in conjunction with an increase of your credit limit.
i know for a fact t mobil does? they only pull transunion, they just lowered their credit standards so you can get approved with a lower score than before, and one way or anot…her youll get approved with them, either a post paid account witch means they bill you monthly its not pre paid, or they will give you an account where you pay in advance but its not like a pre paid you get a plan the same plan youd have if they billed you monthly you just pay at the start of the month, and they report your payment history to the majore credit bureas each month so it helps you to build and re establish credit, so they can get you a plan one way or another and you wont waste an inquiry on your credit, and they have exspanded coverage and they cover most areas just as well as Verizon these days hope this helps.
They will offer you a low introductory interest rate which will encourage you to use your credit card.
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You have previous applications for credit cards but they got rejected by the credit card companies Can rejected applications hurt your credit score?
Every time you fill out an application for a credit card, you're giving the company permission to request a credit report from one of the credit reporting agencies. Those requ…ests are kept on file on your record for anywhere from three to five years, and the number of requests are just one of the things that determine your credit score. If you've applied indiscriminately for any credit card offer you see, it could lower your credit score and make it more difficult to get a loan when you really need one.
What should you look for when filling out a credit card application and choose which credit card company is the best?
Read all the fine print on the contract. If you're filling out an application online, make sure you click on links to read the terms and conditions. If you're not careful, you… may end up signing an agreement to pay an application fee, a processing fee and/or an annual fee - which they'll happily charge to your new credit card and start collecting interest on immediately.
Credit limits are set by your lender who can change your credit limit depending on your payment history, usage and a number of other factors. They will make reasonable choices… when setting or amending your credit limit and would certainly avoid giving someone a credit limit they believe the individual could not reasonably afford.
Most credit card companies only keep records for approx 13-18 months. You would think they would keep them longer right?? With all the bank consolidations happening, records g…o missing and/or are not implrted into the new computer system. It costs lots of money and time to transfer records of that size.
Yes, most credit card companies accept online applications, and many are able to provide a decision seconds after submitting a request. If not, they are also able to be reache…d over the phone.
Because they want to know what your disposable income is after you've paid things like mortgage (or rent), power, water etc.
Many companies offer credit card applications that have nearly instant approval. One can apply for these credit cards online at Credit Cards, Credit Card Applications, and De…al Sea.
Experian is essentially a company which specializes in credit scores and credit reports. They can help you find in accuracies in your credit score and iron them out.
The card is linked to the bank account registered when you firstapplied for it. Even if the card IS just in your name - it makes NOdifference to the card company - so long as …they get the money youowe them ! They have a legal right to debit the bank account youregistered with them until the debt is repaid.