Credit Questions And Answers http://www.gettingbestcredit.com Is Getting Best Credit All That Hard? Wed, 06 Jan 2010 08:34:03 +0000 http://wordpress.org/?v=2.6.5 en How to acquire a free credit report from each of the major credit bureaus? http://www.gettingbestcredit.com/credit-questions/how-to-acquire-a-free-credit-report-from-each-of-the-major-credit-bureaus/ http://www.gettingbestcredit.com/credit-questions/how-to-acquire-a-free-credit-report-from-each-of-the-major-credit-bureaus/ #comments Wed, 06 Jan 2010 08:34:03 +0000 mason http://www.gettingbestcredit.com/other-games-recreation/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

]]> http://www.gettingbestcredit.com/credit-questions/how-to-acquire-a-free-credit-report-from-each-of-the-major-credit-bureaus/ /feed How do college credits work? Do you get a credit everyhour or is it like, 30 for one class for one semester? http://www.gettingbestcredit.com/credit-questions/how-do-college-credits-work-do-you-get-a-credit-everyhour-or-is-it-like-30-for-one-class-for-one-semester-2/ http://www.gettingbestcredit.com/credit-questions/how-do-college-credits-work-do-you-get-a-credit-everyhour-or-is-it-like-30-for-one-class-for-one-semester-2/ #comments Tue, 29 Dec 2009 03:59:42 +0000 mason http://www.gettingbestcredit.com/higher-education-university/how-do-college-credits-work-do-you-get-a-credit-everyhour-or-is-it-like-30-for-one-class-for-one-semester-2/
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 credit thing. Anyone who gives me a really good answer with a reliable, checkable source will get 10 pts.

Roger
]]> http://www.gettingbestcredit.com/credit-questions/how-do-college-credits-work-do-you-get-a-credit-everyhour-or-is-it-like-30-for-one-class-for-one-semester-2/ /feed How much of my credit card do I need to have paid to improve my credit score? http://www.gettingbestcredit.com/credit/how-much-of-my-credit-card-do-i-need-to-have-paid-to-improve-my-credit-score-2/ http://www.gettingbestcredit.com/credit/how-much-of-my-credit-card-do-i-need-to-have-paid-to-improve-my-credit-score-2/ #comments Mon, 21 Dec 2009 13:38:20 +0000 mason http://www.gettingbestcredit.com/credit/how-much-of-my-credit-card-do-i-need-to-have-paid-to-improve-my-credit-score-2/
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 half of the available balance your credit will be fine. Is this true?

Floyd
]]> http://www.gettingbestcredit.com/credit/how-much-of-my-credit-card-do-i-need-to-have-paid-to-improve-my-credit-score-2/ /feed What is the advantage of settling a Credit Card debt and how is it going to show on my credit report? http://www.gettingbestcredit.com/credit/what-is-the-advantage-of-settling-a-credit-card-debt-and-how-is-it-going-to-show-on-my-credit-report/ http://www.gettingbestcredit.com/credit/what-is-the-advantage-of-settling-a-credit-card-debt-and-how-is-it-going-to-show-on-my-credit-report/ #comments Sat, 19 Dec 2009 03:58:20 +0000 mason http://www.gettingbestcredit.com/credit/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 bad way?

Vanessa
]]> http://www.gettingbestcredit.com/credit/what-is-the-advantage-of-settling-a-credit-card-debt-and-how-is-it-going-to-show-on-my-credit-report/ /feed Credit Score: Is there anyway to get rid of credit without negatively affecting your score? http://www.gettingbestcredit.com/credit/credit-score-is-there-anyway-to-get-rid-of-credit-without-negatively-affecting-your-score/ http://www.gettingbestcredit.com/credit/credit-score-is-there-anyway-to-get-rid-of-credit-without-negatively-affecting-your-score/ #comments Mon, 30 Nov 2009 04:27:04 +0000 mason http://www.gettingbestcredit.com/credit/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 credit cards, but have not been allowed to due to outstanding limits on existing credit cards.

Melissa

]]> http://www.gettingbestcredit.com/credit/credit-score-is-there-anyway-to-get-rid-of-credit-without-negatively-affecting-your-score/ /feed How long does your credit score fall after filing chapter 7 bankruptcy? http://www.gettingbestcredit.com/credit/how-long-does-your-credit-score-fall-after-filing-chapter-7-bankruptcy/ http://www.gettingbestcredit.com/credit/how-long-does-your-credit-score-fall-after-filing-chapter-7-bankruptcy/ #comments Mon, 23 Nov 2009 23:09:07 +0000 mason http://www.gettingbestcredit.com/credit/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 lower can the credit score fall?

Paula

]]> http://www.gettingbestcredit.com/credit/how-long-does-your-credit-score-fall-after-filing-chapter-7-bankruptcy/ /feed credit? http://www.gettingbestcredit.com/credit/credit-3/ http://www.gettingbestcredit.com/credit/credit-3/ #comments Tue, 17 Nov 2009 14:26:04 +0000 mason http://www.gettingbestcredit.com/credit/credit-3/
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 eveywhere. i couldn’t afford it then. i mkae very good now and want to atleast keep trying..

Willie
]]> http://www.gettingbestcredit.com/credit/credit-3/ /feed How to establish credit as an 18 year old? http://www.gettingbestcredit.com/credit/how-to-establish-credit-as-an-18-year-old/ http://www.gettingbestcredit.com/credit/how-to-establish-credit-as-an-18-year-old/ #comments Sat, 07 Nov 2009 11:54:41 +0000 mason http://www.gettingbestcredit.com/credit/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 credit card? Which credit card is best for a student in college?

Right now I have a debit card with Chase, hooked up to my checking account. Does this give me credit?

Any helpful answers are very much appreciated.

Nancy

]]> http://www.gettingbestcredit.com/credit/how-to-establish-credit-as-an-18-year-old/ /feed How long to build credit up after cancelling credit card? http://www.gettingbestcredit.com/credit/how-long-to-build-credit-up-after-cancelling-credit-card/ http://www.gettingbestcredit.com/credit/how-long-to-build-credit-up-after-cancelling-credit-card/ #comments Fri, 06 Nov 2009 09:22:09 +0000 mason http://www.gettingbestcredit.com/credit/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 and I’m wondering if I get the card and cancel it shorty after, how long does it take to build the credit I lost from getting & cancelling the card, back to normal? If it’s just a few points, does that take weeks/months? Thanks.

Frank
]]> http://www.gettingbestcredit.com/credit/how-long-to-build-credit-up-after-cancelling-credit-card/ /feed What credit card to get at 18 and not a college student? http://www.gettingbestcredit.com/credit/what-credit-card-to-get-at-18-and-not-a-college-student/ http://www.gettingbestcredit.com/credit/what-credit-card-to-get-at-18-and-not-a-college-student/ #comments Sat, 31 Oct 2009 07:38:54 +0000 mason http://www.gettingbestcredit.com/credit/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 to have one just in case and to actually build my credit. What’s going on and why do i keep getting denied?

Dorothy
]]> http://www.gettingbestcredit.com/credit/what-credit-card-to-get-at-18-and-not-a-college-student/ /feed