0
If someone wishes to view their credit rating, the Fair Credit Reporting Act allows that person to contact any credit reporting agency to obtain a copy, for free, once per year. The three major credit reporting agencies are Experian, Equifax, and TransUnion.
Wiki User
∙ 10y ago
Add your answer:
Earn +20 pts
How can one build up a credit rating?
In order to build up a credit rating one has to obtain a credit card first. Every time one uses a card, loses it, is being refused to get a card, pays a bill late the information is being gathered and turned into one's credit rating. Building up a credit rating can be done by using a 'Secured Credit Card'. One has to use the card regularly and pay off the bills monthly.
Can you get a credit card just to have the card?
Sure, but to have the card and not use it does NOT improve your credit rating. If you amass too many credit cards - even if you never use a single one of them - it decreases your credit rating because you have "too much available credit potential".
Can a person get a credit card for going through bankruptcy?
After bankruptcy one has to rebuild their credit rating. If or how fast one will get a new credit card depends on the issuing company. Alternatively one can apply for a pre-paid credit card.
How does one apply for a Citi Aadvantage credit card?
One may apply for a Citi Aadvantage card online or in person with the bank by this name. One will be approved or not for this card depending on one's credit rating.
How can transferring your credit card balance from one credit card to another benefit you?
You should always be aware of cards that offer lower interest rates then the one you have now. Transferring balances from one card to another to take advantage of low introductory rates can assist you when you pay down debt as long as you have a very strong credit rating. The strong credit rating is an absolute necessity as all of these transfers and the inquiries that go with them can knock a few points off of your credit rating.
How can one build up a credit rating?
In order to build up a credit rating one has to obtain a credit card first. Every time one uses a card, loses it, is being refused to get a card, pays a bill late the information is being gathered and turned into one's credit rating. Building up a credit rating can be done by using a 'Secured Credit Card'. One has to use the card regularly and pay off the bills monthly.
Can you get a credit card just to have the card?
Sure, but to have the card and not use it does NOT improve your credit rating. If you amass too many credit cards - even if you never use a single one of them - it decreases your credit rating because you have "too much available credit potential".
Can a person get a credit card for going through bankruptcy?
After bankruptcy one has to rebuild their credit rating. If or how fast one will get a new credit card depends on the issuing company. Alternatively one can apply for a pre-paid credit card.
How does one apply for a Citi Aadvantage credit card?
One may apply for a Citi Aadvantage card online or in person with the bank by this name. One will be approved or not for this card depending on one's credit rating.
How can transferring your credit card balance from one credit card to another benefit you?
You should always be aware of cards that offer lower interest rates then the one you have now. Transferring balances from one card to another to take advantage of low introductory rates can assist you when you pay down debt as long as you have a very strong credit rating. The strong credit rating is an absolute necessity as all of these transfers and the inquiries that go with them can knock a few points off of your credit rating.
Where can one find credit card offers?
If you have a good credit rating it won't be hard to find credit card offers. The best place to find credit card offers is at the bank you deal with. You will have to fill out an application and wait to have it approved.
How can you get a Capital One Mastercard?
Capital One offers a variety of types of credit cards depending on your credit rating, history, and needs. To apply for a card, look on the Capital One website for the various types of cards that are offered. Beside each option is a link where you can apply for the specific card.
Can getting a secured card help improve your credit rating?
A secured card is only as good at improving your credit rating as it is at reporting your payment history to the three major credit bureaus. You need to be sure that a secured card issuer reports back to the bureaus or it will be useless as a tool for helping you improve your credit rating. If the issuer doesn't report your good payments then you have lost one of the main ways of improving your credit in the first place.
Can business credit card debt affect my personal credit card balance?
A business credit card debt can affect someone's personal credit card rating. A credit report for an individual is processed by activity of one's overall credit. This means that having debt for a business credit card can hurt a person's chances of receiving lower interest for a home finance loan.
How can someone improve a poor credit rating?
A person's credit rating can be improved by paying off old bad debts or unpaid bills that may be affecting your credit rating. Some companies will give people with poor credit a credit card to clear all old debts and consolidate their debts into one payment.
What's a good website to compare credit card deals?
There are many places where you can compare credit card rates. A great one to look at is www.creditcardguide.com/credit-card-comparison
What are the best ways to rebuild your credit rating?
In order to repair bad credit one should first of all obtain a credit card. The way that you use this credit card will help to illustrate your trustworthiness and help increase your credit rating. You should not send in multiple applications for credit cards and should not use cards which advertise their willingness to accept those with bad credit.
