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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


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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 "" 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.

To request a DUNS number, visit The most effective way to build your report is through a Credit Builder Solution.

AnswerNo. When a mortgage lender pulls your credit and then "shops" for a loan program for you, a reference number is assigned to the credit report that is pulled. That same reference number is used each time the lender runs your file through the various investors. Therefore, it counts as only one inquiry and does not affect your credit score. Why Credit Inquiries Reduce Credit ScoresCredit inquiries reduce credit scores because statistical studies show that multiple inquiries are associated with high risk of default. Distressed borrowers often contact many lenders hoping to find one who will approve them.But multiple inquiries can also result from applicants shopping for the best deal, as indicated by the following letter."You keep preaching about the need to shop for the best deal, but I'm afraid that shopping will hurt my credit. I'm told that the more times lenders check on my credit, the worse my credit is going to be. Is that true?" How to Shop Without Reducing Your Credit Score Credit inquiries will not significantly impact your credit rating if you do all your shopping in a short period. Since the market can change from day to day, this is the only effective way to shop anyway.To avoid catching shoppers in their net, credit scorers ignore auto and mortgage inquiries that occur within 30 days of a score date. Suppose I shop a lender on May 30, for example, and the lender has my credit scored that day. Even if I had shopped 50 other lenders in May and they had all checked my credit, none of those inquiries would affect my credit score on May 30.Inquiries from April and back 11 months would, however, be counted on May 30. To avoid biasing the credit score from earlier shopping episodes, the scorers treat all credit inquiries that occur within a 14-day period as a single inquiry. If you shopped 50 lenders during April 1-14, they would count as one inquiry. If you spread them over April 1-28, they would count as two inquiries. You will damage your credit only if you spread your shopping over many months, which makes little sense in any case.[Recently, the 14-day rule was extended to 45 days in a new version of the FICO scoring system. However, lenders can choose whether they want to use the old version using 14 days, or the new version using 45 days. For a borrower, it is best to assume that the 14 day rule is operative.]Circumstances can cause a consumer to shop, drop out of the market, and return later when conditions are more favorable. You minimize the adverse effect on your credit score by concentrating each shopping episode to 14 days or less.You can remove these inquires with free letters found at Only Inquiries From Credit Grantors CountConsumers should not be concerned about inquiries they make, such as ordering a credit report. Self inquiries don't affect the credit score. Neither do inquiries from your existing creditors, potential employers, or businesses considering whether or not to solicit you. The only inquiries that affect credit score are those by new credit grantors who you have explicitly authorized to check your credit.

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.

No. Applying for a credit card you must be a United States citizen. They varify this among other things with your social security number. To have a social security number you must be a citizen. All credit card issuers request your social security number and if you don't give it they will not give you credit. No. Applying for a credit card you must be a United States citizen. They varify this among other things with your social security number. To have a social security number you must be a citizen. All credit card issuers request your social security number and if you don't give it they will not give you credit.

There are two different types of credit inquiries. One is when you request that a potential creditor run your credit in order to obtain some type of credit offer. This type requires you to approve the credit check and may ultimately affect your credit score. The second is a general review that many larger credit offering organizations pay to have access to. This type is the kind that you do not have to approve and do not affect your credit score. I would figure out which type the company performed. If it was the first type, you have reason to contact the credit reporting bureau to begin an investigation at no charge.

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.

Get StartedThe purpose of this letter is to request the cancellation of a credit card. You may use this letter if you would like to minimize the number of credit card accounts you maintain and associated cards you carry to help reduce the possibility that an identity thief will discover and use one of your accounts fraudulently.Note: If a credit card account was opened in your name by an identity thief without your consent, use the document entitled Request to Cancel a Fraudulent Credit Card.

A credit score is a complex evaluation of your credit bureau file. examples of what the score reviews is: Balances/line of credit ratios Number of different inquiries from merchants Past and current payment history Age of accounts Number of new creditors Any written off accounts Any derogatory information ie) bankruptcy, repossessions, unpaid collections, etc.

Identifying Information.Your name, address, Social Security number, date of birth and employment information are used to identify you. These factors are not used in credit scoring. Updates to this information come from information you supply to lenders. Trade Lines.These are your credit accounts. Lenders report on each account you have established with them. They report the type of account (bankcard, auto loan, mortgage, etc), the date you opened the account, your credit limit or loan amount, the account balance and your payment history. Credit Inquiries.When you apply for a loan, you authorize your lender to ask for a copy of your credit report. This is how inquiries appear on your credit report. The inquiries section contains a list of everyone who accessed your credit report within the last two years. The report you see lists both "voluntary" inquiries, spurred by your own requests for credit, and "involuntary" inquires, such as when lenders order your report so as to make you a pre-approved credit offer in the mail. Public Record and Collection Items.Credit reporting agencies also collect public record information from state and county courts, and information on overdue debt from collection agencies. Public record information includes bankruptcies, foreclosures, suits, wage attachments, liens and judgments.

Things that affect your credit report negatively are listed below: * Late or missed payments * Using more than 80 percent of your total amount of available credit * Bankruptcy * Liens or foreclosures * Periods of unemployment * Too many requests for new lines of credit* Your payment history. The most important factor to a potential lender is whether or not you will pay your bills in full and on time. The more recent your good (or bad) payment history, the more important it will be for your credit score. * Your outstanding debt. The more credit cards you have that are maxed out, the lower your score will be. As mentioned above, try to keep your credit card balances at 25 percent or less of your limits. * The length of time you've been building credit. The longer your credit history, the higher your credit rating. * The number of inquiries on your credit report. The more times you've applied for credit cards or loans, the more credit report inquiries will show up on your credit report. A higher number of credit report inquiries may indicate that you're struggling financially or may have a lot of debt (even if you never used the cards or gotten the loans). If you need more detail information regarding this subject look at Phil Turner Credit Bible, it has a wealth of information regarding solving credit problems and understanding the credit system.

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.

Credit reports are now offered by a number of companies as people are growing increasingly worried about their finances. With the rate of borrowing increasing companies such as Experian, Moneysupermarket and Equifax are cashing in on the need for credit reports.

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!

Their contact page lists Billing Inquiries fax # as 800-548-3020 and Cargo Claims Inquiries as 877-229-4766.

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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