How to acquire a free credit report from each of the major credit bureaus?

florance asked: I heard on CNN Headline News that you can obtain one free credit report per year from each of the 4 major credit bureaus.
Does anyone know the names of each credit bureau, the number to call (or address) and what you need to do to get a copy of your credit report?Benjamin

Share and [...]

Share and Enjoy:
  • Sphinn
  • del.icio.us
  • Facebook
  • Digg
  • Mixx
  • Google
  • Reddit
  • MySpace

How do college credits work? Do you get a credit everyhour or is it like, 30 for one class for one semester?

Caitlin asked: I am looking at colleges and one of the cost calculators told me to ask how many credit hours per semester. I tried just putting in 17 and then i thought you get 17 credit hours per day. There is almost an 18000 dollar difference and i just need help understanding this college [...]

Share and Enjoy:
  • Sphinn
  • del.icio.us
  • Facebook
  • Digg
  • Mixx
  • Google
  • Reddit
  • MySpace

How much of my credit card do I need to have paid to improve my credit score?

Janie asked: When I turned 18 I knew I needed credit cards to grow credit. When I reached the $500 limit on my first card and the $2000 limit on my new card when I found that this was not good for my credit. I hear that as long as you don’t spend more than [...]

Share and Enjoy:
  • Sphinn
  • del.icio.us
  • Facebook
  • Digg
  • Mixx
  • Google
  • Reddit
  • MySpace

What is the advantage of settling a Credit Card debt and how is it going to show on my credit report?

Jhovanska M asked: I have a credit card debt is not so much I actually thought I can pay it all off. I received a phone call from the bank and they offered a settlement much less then what I owe. Can this really back fire on me or affect my credit in a really [...]

Share and Enjoy:
  • Sphinn
  • del.icio.us
  • Facebook
  • Digg
  • Mixx
  • Google
  • Reddit
  • MySpace

Credit Score: Is there anyway to get rid of credit without negatively affecting your score?

samuel samuel asked: Have a few credit cards with high rates that we no longer use. Is there anyway to get rid of a $10,000 credit limit on a card that has a zero balance without killing our ‘excellent’ credit scores?
We would like to increase the limit on our lower interest rate [...]

Share and Enjoy:
  • Sphinn
  • del.icio.us
  • Facebook
  • Digg
  • Mixx
  • Google
  • Reddit
  • MySpace

How long does your credit score fall after filing chapter 7 bankruptcy?

sx24 asked: I have credit score of around 210. I have unsecure debt of $85,000 with $0 income. I have been delinquent since 2008 and changed my phone number 3 times. And i’m getting sued by several creditors and my bank accounts are shut too.
Now that filing is just around the corner, how much [...]

Share and Enjoy:
  • Sphinn
  • del.icio.us
  • Facebook
  • Digg
  • Mixx
  • Google
  • Reddit
  • MySpace

credit?

aShLeY asked: im trying to find a store that i can get a charge card. im trying to improve my credit. I have a score thats really low and ive even tried orchard bank. any ideas for some store credit options????????
also i do have a repo on there and only one credit card. ive tried [...]

Share and Enjoy:
  • Sphinn
  • del.icio.us
  • Facebook
  • Digg
  • Mixx
  • Google
  • Reddit
  • MySpace

How to establish credit as an 18 year old?

M asked: I just turned 18 and want to establish credit for myself. I do not really know anything about credit. My sister’s boyfriend never got a credit card or anything, now he is 26 and has no credit.
How do I establish credit? Do I absolutely NEED to get a [...]

Share and Enjoy:
  • Sphinn
  • del.icio.us
  • Facebook
  • Digg
  • Mixx
  • Google
  • Reddit
  • MySpace

How long to build credit up after cancelling credit card?

nmommy07 asked: I am thinking of getting a particular credit card to use on a purchase due to the fact it offers money off the purchase. I know this isn’t a great idea, so I’m still thinking about it, but my concern is with my credit. My credit is fairly good right now [...]

Share and Enjoy:
  • Sphinn
  • del.icio.us
  • Facebook
  • Digg
  • Mixx
  • Google
  • Reddit
  • MySpace

What credit card to get at 18 and not a college student?

Bryce asked: I always thought at 18 they love to give you credit cards, I’ve tried Capitol One, Chase, a QT credit card, and a Best Buy one. All deny due to no credit history. I obviously can’t get Credit history if they won’t let me have credit. I Work 2 jobs and just want [...]

Share and Enjoy:
  • Sphinn
  • del.icio.us
  • Facebook
  • Digg
  • Mixx
  • Google
  • Reddit
  • MySpace

Home