Credit Reports - Free Credit Reports Online http://www.creditreportsfree.net Tue, 06 Sep 2011 20:18:57 +0000 http://wordpress.org/?v=abc en hourly 1 Where can I find a free credit report without a credit card? http://www.creditreportsfree.net/where-can-i-find-a-free-credit-report-without-a-credit-card http://www.creditreportsfree.net/where-can-i-find-a-free-credit-report-without-a-credit-card#comments Tue, 06 Sep 2011 20:18:57 +0000 admin http://www.creditreportsfree.net/where-can-i-find-a-free-credit-report-without-a-credit-card
Katie asked:


How can I find a free credit report without having to use a credit card number. I don’t own a credit card. Is there any one that is FREE and doesn’t require a credit card.

]]> http://www.creditreportsfree.net/where-can-i-find-a-free-credit-report-without-a-credit-card/feed 6 Is there a difference between the credit report a creditor sees and your full report on file with the 3 CRAs? http://www.creditreportsfree.net/is-there-a-difference-between-the-credit-report-a-creditor-sees-and-your-full-report-on-file-with-the-3-cras http://www.creditreportsfree.net/is-there-a-difference-between-the-credit-report-a-creditor-sees-and-your-full-report-on-file-with-the-3-cras#comments Mon, 05 Sep 2011 20:37:45 +0000 admin http://www.creditreportsfree.net/is-there-a-difference-between-the-credit-report-a-creditor-sees-and-your-full-report-on-file-with-the-3-cras
G-M-B-A asked:


Correct me if I’m wrong but when you “pay for deletion” you are paying for any record of the debt to be 100% removed from the report that a potential creditor would see (like when you buy a car or credit card) .

–BUT the debt is never actually deleted from the credit report that you and the CRA have access to.

So, there are actually 2 forms of credit report: one that potential creditors see, and one which only you and the CRA see.

Is this correct??

I am asking because in previous answers to my “pay for deletion” questions, alot of people are saying that debts are never 100% deleted from credit reports.
So that makes me wonder what the phrase “pay for deletion” means exactly?
Thanks!

]]> http://www.creditreportsfree.net/is-there-a-difference-between-the-credit-report-a-creditor-sees-and-your-full-report-on-file-with-the-3-cras/feed 1 How come my credit score was Zero after Bankruptcy Discharge & how can i build my credit? http://www.creditreportsfree.net/how-come-my-credit-score-was-zero-after-bankruptcy-discharge-how-can-i-build-my-credit http://www.creditreportsfree.net/how-come-my-credit-score-was-zero-after-bankruptcy-discharge-how-can-i-build-my-credit#comments Mon, 05 Sep 2011 00:28:44 +0000 admin http://www.creditreportsfree.net/how-come-my-credit-score-was-zero-after-bankruptcy-discharge-how-can-i-build-my-credit
Wendell asked:


I filed bankruptcy in 2008 and discharged same year. My Credit Score is still Zero, How can i rebuild my credit score again. I got a 2 secured credit cards, 1 from USBank and the other from Golden1 Credit Union.

]]> http://www.creditreportsfree.net/how-come-my-credit-score-was-zero-after-bankruptcy-discharge-how-can-i-build-my-credit/feed 3 How many bank accounts and credit cards should I have? http://www.creditreportsfree.net/how-many-bank-accounts-and-credit-cards-should-i-have http://www.creditreportsfree.net/how-many-bank-accounts-and-credit-cards-should-i-have#comments Sun, 04 Sep 2011 21:22:04 +0000 admin http://www.creditreportsfree.net/how-many-bank-accounts-and-credit-cards-should-i-have
Pepper asked:


I am currently a college student with 2 checking accounts (Wamu- 3 years & BOA- 1 year) and 1 credit card (Citi- 1 year). I have always met the requirements for my checking accounts and paid all my credit card bills on time. As for loans, I do have about $10,000 of student loans in debt. I was wondering if it is okay for me to get another credit card. Also, many say that having a lot of credit cards are bad for you. What is the reccomendation of how many bank accounts and credit cards should I have so that my credits would not go down? Thanks in advance!

]]> http://www.creditreportsfree.net/how-many-bank-accounts-and-credit-cards-should-i-have/feed 9 How to get a free credit report if recently denied credit? http://www.creditreportsfree.net/how-to-get-a-free-credit-report-if-recently-denied-credit http://www.creditreportsfree.net/how-to-get-a-free-credit-report-if-recently-denied-credit#comments Sat, 03 Sep 2011 13:39:59 +0000 admin http://www.creditreportsfree.net/how-to-get-a-free-credit-report-if-recently-denied-credit
Kalah asked:


I’ve done it before but I just can’t remember how to get a free credit report if i’ve recently been denied credit.

]]> http://www.creditreportsfree.net/how-to-get-a-free-credit-report-if-recently-denied-credit/feed 4 How does an never used credit card report on the credit report? http://www.creditreportsfree.net/how-does-an-never-used-credit-card-report-on-the-credit-report http://www.creditreportsfree.net/how-does-an-never-used-credit-card-report-on-the-credit-report#comments Sat, 03 Sep 2011 08:55:50 +0000 admin http://www.creditreportsfree.net/how-does-an-never-used-credit-card-report-on-the-credit-report
Perry asked:


If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?

]]> http://www.creditreportsfree.net/how-does-an-never-used-credit-card-report-on-the-credit-report/feed 4 How do I establish credit and become eligible for a credit card? http://www.creditreportsfree.net/how-do-i-establish-credit-and-become-eligible-for-a-credit-card http://www.creditreportsfree.net/how-do-i-establish-credit-and-become-eligible-for-a-credit-card#comments Fri, 02 Sep 2011 19:49:25 +0000 admin http://www.creditreportsfree.net/how-do-i-establish-credit-and-become-eligible-for-a-credit-card
Shreads asked:


I cant get a credit card due to the fact that I have no credit. They say you cant get credit with no credit, ok? Are there any useful tips or information as to how I can build credit and build it fast. How can I become eligible for a credit card?

]]> http://www.creditreportsfree.net/how-do-i-establish-credit-and-become-eligible-for-a-credit-card/feed 5 What kind of things on your credit report have to do with being unable to open a bank account? http://www.creditreportsfree.net/what-kind-of-things-on-your-credit-report-have-to-do-with-being-unable-to-open-a-bank-account http://www.creditreportsfree.net/what-kind-of-things-on-your-credit-report-have-to-do-with-being-unable-to-open-a-bank-account#comments Fri, 02 Sep 2011 09:56:58 +0000 admin http://www.creditreportsfree.net/what-kind-of-things-on-your-credit-report-have-to-do-with-being-unable-to-open-a-bank-account
Unicorn asked:


At the bank they said that it was not because of check systems, but because of a credit report thing. Just curious as to what kind of thing on a credit report would cause a bank account to be unable to be opened ?

]]> http://www.creditreportsfree.net/what-kind-of-things-on-your-credit-report-have-to-do-with-being-unable-to-open-a-bank-account/feed 1 Why do free credit report companies ask for credit card information? http://www.creditreportsfree.net/why-do-free-credit-report-companies-ask-for-credit-card-information http://www.creditreportsfree.net/why-do-free-credit-report-companies-ask-for-credit-card-information#comments Fri, 02 Sep 2011 01:10:20 +0000 admin http://www.creditreportsfree.net/why-do-free-credit-report-companies-ask-for-credit-card-information
Rolando v4.0 asked:


I would like to see my free once a year credit report and now they want to know my credit card info. Why do they want to do that now? I don’t want to get caught up in paying money for the information.

]]> http://www.creditreportsfree.net/why-do-free-credit-report-companies-ask-for-credit-card-information/feed 3 I reported my credit card for fraud, and the bank put a derogatory mark on my credit report. Is that correct? http://www.creditreportsfree.net/i-reported-my-credit-card-for-fraud-and-the-bank-put-a-derogatory-mark-on-my-credit-report-is-that-correct http://www.creditreportsfree.net/i-reported-my-credit-card-for-fraud-and-the-bank-put-a-derogatory-mark-on-my-credit-report-is-that-correct#comments Thu, 01 Sep 2011 21:51:52 +0000 admin http://www.creditreportsfree.net/i-reported-my-credit-card-for-fraud-and-the-bank-put-a-derogatory-mark-on-my-credit-report-is-that-correct
John B asked:


I got a letter from a company their credit card database had been accessed illegally and that the credit card I used may be at risk for fraud. They recommended that I contact my bank to cancel the card I used to purchase one of their products online. I called my bank immediately and had the card canceled and had another one issued. Now a month laster I’m looking at my credit report and there is a derogatory mark on my credit report from my bank saying that the card was lost or stolen under 2 of the 3 credit reporting agency’s. .
Is this correct? Do I get penalized for reporting possible fraud to my credit card?

]]> http://www.creditreportsfree.net/i-reported-my-credit-card-for-fraud-and-the-bank-put-a-derogatory-mark-on-my-credit-report-is-that-correct/feed 3