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2006-07-28 20:09:05
2006-07-28 20:09:05

It isn't.. credit score/rating is determined on your ability to pay your debts/credit cards, not the number you have... I have several, each for a different purpose.. own account (modest limit), joint account (small credit limit)business (modest limit).. I don't use store cards,, their interest is far too high.. and i ALWAYS pay them off, in full, every month, by direct debits from each account... the card companies HATE me, because they don't make enough money from me!.. but my credit rating is "A1" Lets say for example that you apply for two credit cards in 45 days and do not get approved for a single card, then the 2 hard inquiries will stay on your credit for the next two years. Yes your score will be brought down slightly. The more cards you apply for and do not get approved for it makes it appear as if you are in some type of financial crisis. The normal is one per 6 months for hard inquiries. It is best before you start filling out applications to do some research as to what type of card will best meet your needs. Try www.bankrate.com.

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While there is no fixed number, an inquiry is one factor that can affect your credit score. The exact impact may vary depending on things such as the number of inquiries you have over a short time and your credit file's stability. Some inquiries are known as soft inquiries and do not affect your credit score. An example of a soft inquiry is a credit card pre-approval.


To Get an Experian Credit Report you can request one from there website , or you can call and 800 number for the Annual Credit Report and Request one through them.


Call the Credit report agency that pulled your credit from the Bureau's and ask them to look at the back of the credit report where it says inquiries.


Number of credit inquiries, number of open accounts, length those accounts have been open, payment history, percentage of available credit...there are more, but those are 5 big ones.


Each of the credit bureaus (TransUnion, Equifax and Experian) keep track of the most recent twelve (12) months of inquiries into your credit report. The information is accessible from either: (1) Your current credit report; or (2) A monitoring service that you have already engaged to watch for inquiries into your credit. For number one, if you have not yet done so, you are allowed to request a free credit report from each of the services on an annual basis. If you know which report might have been pulled, you may request that annual report from the specific bureau. If not, and you have not gotten your free credit report for the year, you may use the website "www.annualcreditreport.com" which was created and is authorized by the three reporting organizations to manage online requests for free reports. If you already have received your free credit report, you may either go to each of the individual bureaus and pay for the most recent report or you may choose to join a service which pulls all of the reports for you on a periodic basis. Generally when you join, you will get the most up-to-date reports from each of the bureaus. For number two, if you don't have credit monitoring already setup, the option will only help you identify future entities making inquiries. If you do have monitoring already setup, you may go to that monitoring site and select their "inquiries" or "requests" section to see who has recently pulled your credit.


The telephone number for Omaha Steaks is 1-800-960-8400. One may use this number for inquiries, to place an order, order status, comments, or to request a catalog.


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Everyone is eligible to receive one free credit report per year. There is a number and a certain website you can go to. Some people actually mail in a request to the credit bureau and receive it that way.


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This is not a directory inquiries service.


This is not a directory inquiries service.


This will take awhile, but basically you write a letter to each of the three credit bureaus with copies of receipts, your social security number, and signature. The faster way is to have your creditor update the information they send in to the credit bureaus directly.


No. They obtain the information they need to check your credit rating, when you fill out the application. Yes & No. According to the FCRA, if you are applying for a loan, line of credit, credit card or employment, you credit can only be pulled with your written consent. Credit Card companies, finance companies, etc., are allowed to pull you credit, but only if they send you an unsolicited offer in the mail containing a toll free phone number to permanantly take your name off of their list. These inquiries do not adversely affect your credit.


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The procedure is the same as getting any other inaccurate or expired information, removed. Write a letter to the credit bureaus, dispute the judgment and request that your file be corrected. Send proof of your identity, address and social security number and request a complete credit report be sent to you when they have corrected the old entry. Good luck!


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One can find the phone number for Experian on their website, and use it to order their free annual credit report. Alternatively, they can also fill out an online form, or physically mail a form to request their free annual credit report.


You would not need a social security card but you do need a social security number. All those who have credit have a legal right to have a free credit report one time annually from all credit bureaus. You can request them at other times if you are denied credit as well.



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