free credit checks.
Posted By: broke on 2008-10-26
In Reply to:
Is there a way to obtain your credit report for free? I have never checked it. I have always been afraid to, but now I would like to check it now matter how bad and figure on a way to make it better. I have looked on line and found several sites offering "free" credit checks, but then pay a monthly fee for something. I don't want any monthly fees as that is my problem now. I have too many straws in my bank account. I was wondering if my bank would do it or maybe an 800. If I ask, would I get laughed out of the building imaging something for free? TIA.
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Free credit reports
A lot of people don't know this, but you can get FREE annual printed copies of your credit reports online in seconds from the 3 major credit companies.
There are a lot of online companies out there saying you can only get this information if you pay for it and try to get you to sign up for some type of credit services. Not true.
''This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion''.
www.annualcreditreport.com
is the official site to help consumers to obtain their free credit report.
Hope this helps others : )
I LOVE THE FREE CREDIT GUY!!
and the songs are so catchy. bite your tongue, woman!!
free credit report.com commercial....it
xx
Cancel them now...rather be free of temptation. Credit score
xx
Just got my yearly free credit report this week and -
Every one of my closed accounts from the last couple of years is listed under my positive credit file as having been paid on time/never late/closed by subscriber.
It does still count as good credit.
There is a free version of Efax that does not require a credit card. sm
Are you needing to fax out, in, or both? You didn't clearly state, but said you needed a number. I receive faxes for free through efax, but haven't sent any that way. Never have I given them credit card info. Check out myfax.com.
Why does closing a credit card account negatively affect your credit report
Especially when I never use it anyway, and really never wanted it?
With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...
So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.
Huh?? Why is that?
You're free to pray, but not free to discriminate
It's as simple as that.
the checks should be right there in the store - sm
I would think. Or whichever store they run their office from. They should have been able to write one out for you then and there. I would not have left without it, they know you want the money and are going to jerk you around until you give up. I would think that you had a court judgement or order by now and they have to do it or be arrested, etc, could not the deputy arrest the store mananger for something, obstructing the order? Failing to comply, whatever. As for the bank, it would probably be one of the top 3 banks in the area, though I don't know if the bank would tell you if they had an account there. You can always make some calls and try to find out. If they won't give you the money, take your $700 worth of furniture, and obviously try to pick something you want to actually keep, otherwise you will probably only get half of what the retail is if you are lucky and you are still out a chunk of change.
Stimulus checks
I had a letter a few months ago but not a week before it should have been mailed. According to the website mine was to be mailed NO LATER than 5/23 - and I still don't have it. :(
i write checks
only when I have to, but I have adorable checks. I know it takes a BIT longer, but now with the new "slide your own card, then type 100 keys just to say OK to the transaction" it's about the same time, if you really think about it.
The thing about people stopping in the middle of an aisle OMG why why WHY do they do that? GET OUT OF THE WAY, MOVE TO THE SIDE, BE CONSIDERATE!!! im with you on that one
I believe non-DD people won't get checks for months. sm
Someone had a stimulus refund link on here, below, I believe.
To all those wondering about stimulus checks SM
who are not direct deposit . . Got mine in the mail Friday and my last two numbers were 06. 
Re: Those economy-stimulation checks - sm
I still haven't gotten mine, and will believe it when I have it in my hand. Worse, I just got one of those "Return Information Notices" in the mail. Well, guess what? The state of Calif. did a little number-rearranging, (or should I maybe call it "fuzzy math"?), and my state income tax refund has been changed from over $300 down to ZERO. When you call the number on the website, and finally get a live person to help, they very helpfully refer you to "someone who can go over it with you", and then the system tells you it's too busy, and hangs up on you!
And get THIS: The actually had a LOWER taxable income than I had calculated. So how do they figure I am suddenly owed NO refund? It sure sounds like that's how the gov't. is funding those economic stimulus checks. Like I'm really sure that gypping us like that is going to create an economic stimulus.
Looks like once again, this Calif. taxpayer has been Californicated.
I agree. We have to pay out a lot. The stimulus checks should be for everyone! sm
I owed 4800 this year. BUT no stimulus check. Ok, fine, can accept that btu shoudn't my "stimulus check" go toward what I owe!!! Sorry but my bills are going up just like everone else so I don't deserve any "extra" either??
arrested for bad checks - not Caylee
very unusual for someone to be arrested that way for bad checks, that scened was sooo dramatic. The cops must hate her too
I use checks, but have streamlined the process - sm
by filling out everything but the amount (date, signature, phone number) on the check, & entering all info. into my check register except the amount, before even leaving for the store. Check is torn out, and in my wallet where I can just pull it out, write in the total, hand it to the cashier, and take off as soon as she gives me the receipt.
Nowadays their computer/cash machine setup takes only seconds to verify the check. I usually wait to fill in the amount in the check register until I get home.
It's weird, but often I find it takes longer to pay with money than it does with a check. (Especially if I have a bunch of change and I'm trying to pay with the exact amount.) That seems to freak people out in line even more than using a check.
Also, nowadays the checker ends up doing the bagging, too (seems the stores have cut WAY back on hiring baggers.) So as he or she finishes each bag, I put it in the cart from where I'm standing, so he or she doesn't have to walk around the counter to do it. And I grab things like milk jugs, big 12-pack soft-drink cartons, cat litter, and other big things that don't really need a bag.
Anyway, I find doing just those few things seems to get me through the line pretty fast.
no, nobody knows but the bank, they will cover checks you wrote
nm
It was my understanding, the checks are mailed out on Fridays, and
delivered..provided the mailing address was correct!
How much are stamps these days???
Pugmom..the ED checks records and will know that you are not a frequent flyer....sm
And believe me, there are some that are there like every other day.
Something else you might want to do too( I have typed urology both adult and peds for 19 years now and have lots of hints LOL) is to walk as much as possible, drink LOTS of water, and perhaps cranberry juice. The walking is supposed to help the stone get moving, the liquids are to help flush it out once it starts moving. The cranberry juice should help with the start of an infection.
Some people though, never pass their stone(s) and have not one iota of pain and suffering once the initial diagnosis is made.
I am so glad to hear that you are doing better. Myself and others were worried for you. Glad you are back.
Checks could be in taxpayer mailboxes by June, according to an Associated Press report.
credit
My girlfriend did use the service. It worked great for them. It also put all their payments in one. The only thing is you need to watch what "items" you put under the service because it will keep you from purchasing items for so many years.
credit
I have used Consumer's Credit Counseling Services locally. They were wonderful to me. Put me on a generous budget, put all my bills under one payment (had to cut up all credit cards - which was a blessing and freedom after I got used to it), cut the credit card interests way-way-down or to none, and finally got everything paid. At first there was no charge from them, but later I paid $5 a visit, but I imagine they have surely put a low charge now. They were pretty strict with me (which I needed), but it worked. They were always accessible to talk with, which I really liked too. Also it was nice to refer callers to them, saying, "I am a client of CCCS and they are helping me" and not have to deal with the callers any more. In fact, after they were notified of intent to pay by CCCS they never called again.
Good luck. It meant freedom to me.
credit
I did hear that credit counseling is reported to the credit bureaus, but so are late payments, over-limits, missed payments, etc., etc. so ultimately I don't imagine it could ding your credit score any worse.
credit
I don't know the answer to that. We have only bought cars and a house on credit since then. Be sure to talk to the credit counselor before signing up and find out. They will know.
Credit card (SM)
There was information about credit cards and interest rates going around late last year/early this year. Basically, from what I understand with the new bankruptcy law this was attached to it. The credit card companies can and will charge you and me whatever interest rate they want to, and the only thing we can do is cancel the card and pay off the balance. There were these little inserts with your statements that many of us just throw away and never think about it. But I did read the ones that were sent with several of my statements, and I kindly told them to keep my rate where it was and I canceled the card. Sad but true. 
NO more credit cards
I had a credit card with a high balance. I got a second mortage to pay it off. I called the credit card and got the payoff balance and my bank sent a check to them. I kept watching on line to make sure they got it and when they did I noticed that there was a $95 credit. So, I called and said how do I get my money back. They sent me a check and when I got it, I called and closed the account. This was about two weeks ago. Today I get a statement from them with a balance due of $45! Huh??? I called and they keep telling me it is a finance charge. I got pretty steamed and finally ended up saying that I would pay it, but no more. Well, I wrote out the check and put in in the mailbox, but I'm still stewing about this. If I still owed them money, why did they send me a credit?? What is the finance charge on if I had a credit balance? I suppose I will just pay it because they will only keep tacking on even more charges, but it is really bugging me. Has anyone else had any experience with this??
I will say one thing - NO MORE CREDIT CARDS EVER EVER EVER. REALLY. I mean it this time.
About my credit card
I owed close to $10,000.00 about 2 months ago on my credit card and called to make sure I sent the right amount as paying it off. After I paid in full, they also sent a "finance charge" for around 35 to 40 dollars. I paid that but have discontinued using that card. I have another card, used during Christmas, interest about half of the other one and getting that paid off before long also, just sent $500.00 towards that yesterday. I on the first had asked for payoff amount but the finance not there when I asked.
Our credit was very shakey (sm)
when we bought our house 6 years ago and we have now (both husband and I) been ICs in this biz for 11 years. As an IC you are supposed to work for different companies according to the IRS so you could really jam yourself up if you got a letter like that from your current company. Personally - I would refuse and find another mortgage company. I had a very young and inexperienced mortgage person when we refinanced our house through a credit union - it was literally a nightmare - I don't have the time anymore! If you have good credit move on and find someone who appreciates your business
ruined credit????
Went to work for a company about five years ago. The pay was EXCELLENT, however, they paid me "when they got around to it." Now my credit is so terrible I can hardly qualify for a home loan!!! Has anyone else experienced this problem???? Still suffering after having quit four years ago!!!!!
Sorry to say, but you have proven yourself a bad credit
x
Not the only way, my credit just restored on its own
after years of not having as posted below, went and had a clean slate just as if no credit at all in my life, went from bankruptcy to nothing bad about me, nothing! I did learn how to be responsible after that time though, now have excellent credit rating.
Credit for your daughter
As DW stated, federal loans are given to students - have her go to financial aid office/web site of school and see what she needs to do to apply for them.
Does your daughter have a credit card? Yeah, I know, scary thought, but the sooner they can establish good credit, the better off you all are. My son has a card for college students from Citi Bank. He's had it since senior year of high school and I tell him to use it for EVERYTHING. Gas, pizza, books at school, etc. He keeps track (amazingly) and pays the card off every month so he never gets charged interest. His bill is usually for under $50.
He's been having problems with his cell phone, it's already been fixed once, yet the same problem keeps happening. The contract for the phone was up last week which means he could get a new phone for next to nothing provided he renew for another two years. I told him I'd buy him he new phone for a Christmas present. I've been paying his cell bill of $45/month for years. He wanted text messaging added to his plan. I told him I will only pay the $45, he can pay the difference if he wants to text his friends because NWIHAIPFI so he can ask his BFF what time they can meet for lunch when he could just call the dude and leave a message if he isn't there! Well, a two-year commitment with the phone company would bring us to 6 months AFTER he graduates from college and he could be in Madagascar by then for all I know with the cell bill still coming to me. I asked the cell phone company if the contract can go in my son's name. They told me no, because his credit rating as a student wouldn't qualify him. I asked them to check anyway. They did, the woman was shocked, he was approved, and now he has a new contract with text messaging for $10 more and the bill goes to him! I'll deposit $45 in his checking acct every month and he can write the check.
This is partial payback for the night I had to spend in a battleship with 400+ other Cub Scouts and their fathers when my son was little. Hot dogs and beans was the dinner. Need I say more? Bunks stacked 5 high with me on the top bunk and hot air rises. He will owe me for that for many years to come.
I think its credit cards...
The newspaper had an article the day after Christmas how people are defaulting on their credit cards all over the place. This added to the mortgage companies having problems with people unable to pay their balloon payments and the bad housing market, price of gas is sure to lead (the article said) to a recession.
When I was shopping I saw all the people with tons of things in their carts, DVD players, computers, etc. on Christmas eve. This was regular people at Walmart. I saw a lot of credit cards flashed around. Paying minimum payment will cause Christmas to cost tons more and they will be paying beyond the item's life which they purchased.
We went through this. We tried to sell our house, rented to own another and went broke in 3 months. After we had 2 house, fell back on credit cards the interest piled up and it was terrible! We moved back and are on a budget. So, I shopped without credit this year, and you know what? I had more fun. And I have 3 kids. Their things were simpler than the fancy things they got last year. The most expensive things we got were bikes because they are growing and we got those on sale. The rest were creative items. I am not saying that what we did is so great. What I am saying is that peeople are not looking at the big picture these days and if they do not use cash (as we had not in the past), they may not be able to pay their debt if hard times fall. In the meantime, grandpa sent my son 100 bucks, which I let him spend on a train set (I should not have let him do that he is 7) and he cried that his money was all gone and he did not want the train set anymore. I bet if I had him save some of it and had him buy simpler things, well I bet he would not have been crying. At least at age 7 he is learning that money is not easy to come by. And he is learning the hard way because I will not give him more money to replace what he spent. Sorry such a long message. It is just that we did not even afford an XBox, and I wanted a Wii myself, but we avoided all of that because in the end we learned that Christmas is not about credit cards, the junk it buys. I think the end of the cartoon the Grinch where the Who people did not even care about the presents was correct. Maybe we'd be happy with less things and more love. I don't know. This was not meant to be a sermon forgive me. We all have to learn what Christmas means to us and I say let people do what they want, consequences are always result of actions anyway. Just IMO. Happy New Year everyone!
Can't take credit for the idea.
When I was in my late teens I nannied for a very wealthy family who bought a truck load of stuff from a children's hospital as well as made a huge donation and I spent WEEKS handwriting "A donation has been made in your name" to this hospital and then including a sweatshirt, t-shirt, mug or whatever else they bought.
credit counseling
I did use one, but in retrosepct I don't think I would do it again. It ends up lowering your payments or your interest a little, but they also charge you a monthly fee - mine was 35.00. All they basically do is pay your bills for you with what you send them. It takes a good 2-3 months to get set up and working and by that time your bills are even more overdue. I think your best solution is to talk to all your creditors and be disclipined about paying to the exclusion of having a life until you are caught up. I finally got out of the hole, but it was hard and seemed like it would never happen. Good luck to you. You can do it.
which could damage your credit
x
they can be put on your credit report...
I know for sure b/c I have one on mine. :(
credit card
I've not had personal experience, but I know to be wary of some of those companies that advertise. I saw a financial advisor on the Today Show and she said to make sure you go with Consumer Credit Counseling; maybe there's a link on the Today Show website. Good luck!
credit debt
Wow thanks for all the good tips.
As this got off the subject and onto other things, I just wanted to say I have heard Al-Anon is excellent for people dealing with alcoholism in a spouse or other loved one. It might be a great place for support for you and your kids. Just a thought.
Pay off our credit card
And with the little we'd have left just put it in the bank
Credit Check
For several years now almost all employers have been running background and credit checks on all employees before they are hired. It has nothing to do with "your son". It is now common practice. Most likely if he is behind on his child support as soon as he gets a job they will attach his wages for payment. Alot of employers do not want to deal with the paperwork involved with that kind of stuff. The stigma of not paying your bills may soon change with the state of the economy and employers may start taking a different look at it. Did your son go to court and file to get his child support adjusted given his unemployment status? That would have helped him at least not be so far behind and may keep him from wage attachment when he does get a job.
At any rate don't get so upset, it is common practice for employers to do credit and background checks on every employee now (in fact your son probably signed the paperwork authorizing them to do so) and they use the results to make their hiring decisions.
credit card debt
Not sure what will happen, but I do wish you luck. Credit card debt is an unsecured type of debt. I don't know what more they can do to you other than a judgement. Not sure you can put that under a bankruptcy either once the judgement has been placed. I know a lawyer that handles a lot of bankruptcies -- did some work for him. He always asked his clients if late payments had gone to judgements. If they had not gone that far he was pleased about it. I guess it made things easier legally. Not really sure.
Your credit is ruined because you didnt do anything about it
x
Homeless has nothing to do with poor credit.
nm
You let credit get bad before house sale.
s
How my daughter got her credit started
I years ago put my son on my credit card and paid it well and then he automatically had great credit. My daughter got credit with a small amount at a store here in town that would give credit easily. I told her to do this, pay the payments as she should and even a little more and there it was, good credit for her. She now has ecxellent credit and has loads of past and present accts she has been responsible for.
I use my credit card!!!! Priceless!
Actually it was an expired one. Hubby laughed. I use Dawn Power Disolver in the blue bottle. Works wonders. Then IF I have to scrape I have used the credit card of course, but fine metal spatula or a razor, but I use one of those like you scrape paint with that has the handle like an ice scraper.
But doesn't it ruin your credit?
I would like to just consolidate mine into one large payment. I am not having problems paying the minimums now but it's gotten to a pretty high amount combined and I fear I'll be paying forever.
However, I have heard doing this ruins your credit.
Is that the case?
TIA
I can't take credit...someone else posted it a few days ago.
I just did a search here for "monitor sideways". It must be 5yo screw up monitor season! LOL
if it does show up on your credit report sm
You could try to get it removed. Tell the credit agency to remove it because you don't owe the money, that you sent a certified letter within 7 days to cancel this and that legally you don't owe it. Check out the state attorney general's office. If it were me, I would not pay it. If it does end up on your credit report, i don't know if paying it will get it removed.
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