Credit Rehabilitation http://creditrehabilitation.com Credit Rehabilitation - the information you need to get good credit Sat, 19 May 2012 17:47:34 +0000 en hourly 1 http://wordpress.org/?v=3.3.2 What is a Credit Score and how do I find Mine? http://creditrehabilitation.com/blog/credit-repair-questions/what-is-a-credit-score-and-how-do-i-find-mine/ http://creditrehabilitation.com/blog/credit-repair-questions/what-is-a-credit-score-and-how-do-i-find-mine/#comments Sat, 19 May 2012 17:47:34 +0000 Elaine Corsair http://creditrehabilitation.com/blog/credit-repair-questions/what-is-a-credit-score-and-how-do-i-find-mine/ Question by Phillies Fan Forever: What is a Credit Score and how do I find Mine?
I always see these advertisements for credit scores like "whats your credit score?". Or something along those lines. What is a credit score and how do i find mine?

Best answer:

Answer by jayne h
there is a free web site to get all three credit reports. you may have to ask for your credit score. you are able to get free credit report once a year/ www.fact act.com

Know better? Leave your own answer in the comments!

]]> http://creditrehabilitation.com/blog/credit-repair-questions/what-is-a-credit-score-and-how-do-i-find-mine/feed/ 2 What’s the best and cheapest place to get a credit score? http://creditrehabilitation.com/blog/credit-repair-questions/whats-the-best-and-cheapest-place-to-get-a-credit-score/ http://creditrehabilitation.com/blog/credit-repair-questions/whats-the-best-and-cheapest-place-to-get-a-credit-score/#comments Wed, 16 May 2012 01:08:57 +0000 Elaine Corsair http://creditrehabilitation.com/blog/credit-repair-questions/whats-the-best-and-cheapest-place-to-get-a-credit-score/
by Credit Confidential

Question by FlyATL: What's the best and cheapest place to get a credit score?
Basically, my mom is going to be looking into buying a house soon. She wants to check her credit score. Which score is the actual one necessary to check? I've seen FICO and all types of other general "credit scores" that could be checked.

Which does a mortgage company look for, and just how many different "types" of credit scores are there? I know that a credit score is a summary of the creditworthiness based on one or up to all three of your credit reports. But where is the safest, cheapest and most reliable place to purchase a credit score online?

Best answer:

Answer by SmartA$ $
Don't pay for your credit score, and don't sign up for some credit monitoring service with a bunch of fine print and a monthly fee after the free trial period.

Just go to the bank, sit down with a loan officer and start talking. Have as much info available as you can, such as tax returns to prove your income, etc etc. Tell them you don't know your credit score and ask if they can check it for you. They'll pull it up and give you a printed copy with your report and score from all 3 credit agencies, 100% free with no strings attached and no trial period plans to cancel.

Another advantage of doing it right there at the bank is that you can discuss the credit report with the loan person and they can give you tips on what to do to improve your credit to help you qualify (if necessary) or let you know how your score is going to affect your loan options, rates, etc.

Add your own answer in the comments!

]]> http://creditrehabilitation.com/blog/credit-repair-questions/whats-the-best-and-cheapest-place-to-get-a-credit-score/feed/ 2 How long does “good credit” accounts stay on your report? http://creditrehabilitation.com/blog/credit-repair-questions/how-long-does-good-credit-accounts-stay-on-your-report/ http://creditrehabilitation.com/blog/credit-repair-questions/how-long-does-good-credit-accounts-stay-on-your-report/#comments Sat, 12 May 2012 08:36:17 +0000 Elaine Corsair http://creditrehabilitation.com/blog/credit-repair-questions/how-long-does-good-credit-accounts-stay-on-your-report/ Question by carriezmail@sbcglobal.net: How long does "good credit" accounts stay on your report?
I recently checked my credit report and I don't see any of my good credit accounts that are over 10 years old? Do all accounts fall off after 7-10 years?

Best answer:

Answer by src50
Seven years once the account is closed.

Give your answer to this question below!

]]> http://creditrehabilitation.com/blog/credit-repair-questions/how-long-does-good-credit-accounts-stay-on-your-report/feed/ 1 Q&A: Who likes the “Free Credit Report” commercials? http://creditrehabilitation.com/blog/credit-repair-questions/qa-who-likes-the-free-credit-report-commercials/ http://creditrehabilitation.com/blog/credit-repair-questions/qa-who-likes-the-free-credit-report-commercials/#comments Tue, 08 May 2012 15:52:17 +0000 Elaine Corsair http://creditrehabilitation.com/blog/credit-repair-questions/qa-who-likes-the-free-credit-report-commercials/ Question by raztaman420: Who likes the "Free Credit Report" commercials?
I know the wesbite and service sucks, you get a partial credit report then they charge you $ 9.99 per month just to send you an email if something changes in your credit score. This isn't about that.

I think these commercials are creative and amusing. A fresh, original idea to appeal to the younger crowds. The songs are actually good for 30 seconds and are funny! Next time you see one, listen to the song and tell me it's not amusing.

Most television commercials today are terribly stupid, they are trying to be funny or make husbands look like idiots (homer simpson syndrome). The Free credit commercials are refreshing and I hope they keep making new ones. What do you think?

Best answer:

Answer by I DJ Weddings
I think they are very good. The newest one I noted is the guy living in (mom's? grandma's?) basement with his new wife because of her credit score.

What do you think? Answer below!

]]> http://creditrehabilitation.com/blog/credit-repair-questions/qa-who-likes-the-free-credit-report-commercials/feed/ 1 Q&A: How can I get a credit report, the kind that jobs use to find out if you are “cash register” honest? http://creditrehabilitation.com/blog/credit-repair-questions/qa-how-can-i-get-a-credit-report-the-kind-that-jobs-use-to-find-out-if-you-are-cash-register-honest/ http://creditrehabilitation.com/blog/credit-repair-questions/qa-how-can-i-get-a-credit-report-the-kind-that-jobs-use-to-find-out-if-you-are-cash-register-honest/#comments Fri, 04 May 2012 23:22:24 +0000 Elaine Corsair http://creditrehabilitation.com/blog/credit-repair-questions/qa-how-can-i-get-a-credit-report-the-kind-that-jobs-use-to-find-out-if-you-are-cash-register-honest/ Question by CK SJ: How can I get a credit report, the kind that jobs use to find out if you are "cash register" honest?
I have gotten turned downed for some jobs, I think because of my credit report. Some time ago my i.d was stolen then used to write bad checks. When the guy got caught it was discovered that his i.d was fraudulent, MINE. Any way this incident was flagged when I tried to renew my driver's lic. but I have not had any problems until recently while looking for work. In most cases jobs will tell you if another candidate has been chosen. Lately, I have not gotten returned calls or even a response when I have contacted employers whom I have interviewed with. I mean really,
"The Cold Shoulder". Could they think I am a thief based on some error in my "credit report"/ background check? How can I find out what they find out? How can I get it straightened out?
NOT FINANCIAL CREDIT REPORT.

Best answer:

Answer by QUESTION GIRL 09
websites that you pay

Give your answer to this question below!

]]> http://creditrehabilitation.com/blog/credit-repair-questions/qa-how-can-i-get-a-credit-report-the-kind-that-jobs-use-to-find-out-if-you-are-cash-register-honest/feed/ 5 Q&A: How will marriage affect my credit score? Do our scores “average” or do we both take the lower score? http://creditrehabilitation.com/blog/credit-repair-questions/qa-how-will-marriage-affect-my-credit-score-do-our-scores-average-or-do-we-both-take-the-lower-score/ http://creditrehabilitation.com/blog/credit-repair-questions/qa-how-will-marriage-affect-my-credit-score-do-our-scores-average-or-do-we-both-take-the-lower-score/#comments Tue, 01 May 2012 06:27:59 +0000 Elaine Corsair http://creditrehabilitation.com/blog/credit-repair-questions/qa-how-will-marriage-affect-my-credit-score-do-our-scores-average-or-do-we-both-take-the-lower-score/ Question by Supermom: How will marriage affect my credit score? Do our scores "average" or do we both take the lower score?
We're getting married in the near future. We both own homes and work full time, but my income and credit scores are better than his. Should I buy our house before we get married and keep our finances totally separate? Will that protect my excellent credit rating? Or will my rating drop to his level once we're married no matter what? (I live in a marital property state.)

What's better, qualifying for a mortgage alone on my income and credit rating, or waiting until we're married with our joint income but a combination of our credit ratings? How do banks approach these situations? Thanks!

Best answer:

Answer by Phil
both of your credits are seperate...they always will be

Give your answer to this question below!

]]> http://creditrehabilitation.com/blog/credit-repair-questions/qa-how-will-marriage-affect-my-credit-score-do-our-scores-average-or-do-we-both-take-the-lower-score/feed/ 6 how do I remove “free credit score” from my toolbar? http://creditrehabilitation.com/blog/credit-repair-questions/how-do-i-remove-free-credit-score-from-my-toolbar/ http://creditrehabilitation.com/blog/credit-repair-questions/how-do-i-remove-free-credit-score-from-my-toolbar/#comments Fri, 27 Apr 2012 13:48:16 +0000 Elaine Corsair http://creditrehabilitation.com/blog/credit-repair-questions/how-do-i-remove-free-credit-score-from-my-toolbar/
by USAG-Humphreys

Question by renovation queen: how do I remove "free credit score" from my toolbar?

Best answer:

Answer by jack's Q&*
rt click and delete it

What do you think? Answer below!

]]> http://creditrehabilitation.com/blog/credit-repair-questions/how-do-i-remove-free-credit-score-from-my-toolbar/feed/ 0 Why is having a “good credit score” important? http://creditrehabilitation.com/blog/credit-repair-questions/why-is-having-a-good-credit-score-important/ http://creditrehabilitation.com/blog/credit-repair-questions/why-is-having-a-good-credit-score-important/#comments Mon, 23 Apr 2012 21:10:12 +0000 Elaine Corsair http://creditrehabilitation.com/blog/credit-repair-questions/why-is-having-a-good-credit-score-important/ Question by LR: Why is having a "good credit score" important?
I'm 24 and never knew what mine was or what exactly it's for. I never bothered to get a credit card because I always hear stories about people being taken advantage of and getting into debt.
The only big purchase I've ever made was a used car from a dealer, but I used cash.

Is it basically to let people know if you can be trusted with money?
Do people build credit by getting a credit card and paying off everything on time?
Katherine W:
I consider myself a safe driver. How would my credit score predict anything.
Well I've never been in an accident or have any traffic violations so my insurance company actually does give me a safe driver discount.

Best answer:

Answer by Katherine W
A good credit score predicts a lot of behaviors. For example, people with good credit scores are less likely to get in car accidents, so if you have a good score, you can pay less for your car insurance. Employers will check your credit score, too, because if someone has problems paying their bills, an employer wouldn't want to trust them with cash or a cash register.

You can build credit by paying off everything as soon as the bill comes in.

You might "consider" yourself a safe driver, but does your insurance company? Ask them if you can get a better rate and if your score impacts how much you pay.

What do you think? Answer below!

]]> http://creditrehabilitation.com/blog/credit-repair-questions/why-is-having-a-good-credit-score-important/feed/ 2 Has anyone read the book “7 Steps to a 720 Credit Score” by Philip X. Tirone? Is it worth it? http://creditrehabilitation.com/blog/credit-repair-questions/has-anyone-read-the-book-7-steps-to-a-720-credit-score-by-philip-x-tirone-is-it-worth-it/ http://creditrehabilitation.com/blog/credit-repair-questions/has-anyone-read-the-book-7-steps-to-a-720-credit-score-by-philip-x-tirone-is-it-worth-it/#comments Fri, 20 Apr 2012 04:29:21 +0000 Elaine Corsair http://creditrehabilitation.com/blog/credit-repair-questions/has-anyone-read-the-book-7-steps-to-a-720-credit-score-by-philip-x-tirone-is-it-worth-it/ Question by Blue Angel: Has anyone read the book "7 Steps to a 720 Credit Score" by Philip X. Tirone? Is it worth it?
I'm wondering if this book is actually instructional or if it's just a narrative type like Rich Dad, Poor Dad.

Best answer:

Answer by DebtWillEatYouAlive
I can save you the money by giving my answers to his questions:

* A dirty little trick that credit card companies use to lower your credit score to keep their competitors away from you; learn if you're a victim of this, including how to fix it.

This trick is cards like CapitalOne don't report your credit limit, only your high balance. This can make your utilization appear higher. To see if you are a victim of this look at your credit report and verify that the reported credit limits match your actual credit limits. Fix it by either getting rid of those cards or disputing the information with the credit bureau.

* Which errors on a credit report are a waste of time to fix and which are a high priority (helping you to raise your score by 5, 10, 15, 20 points at a time).

Bad advice, if you see an error go ahead and get it fixed. The low priority items are inquiries greater than 6 months ago and pretty much any incorrect but positive item. Negative items are obvious, late pays, etc.

* How to build credit (if you have none) and rebuild credit if you've gone through a divorce, bankruptcy, or other major delinquency.

Small secured bank loan, secured credit card, small car loan. Make sure they report.

* Why you should NOT become a cash-only citizen; at the same time, learn how to keep credit active without putting yourself into debt.

Credit is handy, no reason no to keep some credit cards around, no need to do more than place an occassional charge on them to keep them active. No need to ever pay interest.

* How paying collections can HURT your credit score.

It re-ages your account.

* How to prepare for a loan by improving your credit score.

Reduce utilization (either increase limits or pay down cards), age off inquiries (more than 6 months and they don't matter). Dispute off negative items.

* How to maintain a high credit score for the rest of your life!

Pay your bills.

What do you think? Answer below!

]]> http://creditrehabilitation.com/blog/credit-repair-questions/has-anyone-read-the-book-7-steps-to-a-720-credit-score-by-philip-x-tirone-is-it-worth-it/feed/ 0 Do you find yourself singing when the “free credit report” commercial comes on? http://creditrehabilitation.com/blog/credit-repair-questions/do-you-find-yourself-singing-when-the-free-credit-report-commercial-comes-on/ http://creditrehabilitation.com/blog/credit-repair-questions/do-you-find-yourself-singing-when-the-free-credit-report-commercial-comes-on/#comments Mon, 16 Apr 2012 11:52:57 +0000 Elaine Corsair http://creditrehabilitation.com/blog/credit-repair-questions/do-you-find-yourself-singing-when-the-free-credit-report-commercial-comes-on/
by mandaloo

Question by sweetgirl: Do you find yourself singing when the "free credit report" commercial comes on?
F R E E that spells free...credit report dot com baby?

i luv it. Do you?

Best answer:

Answer by DeeRaye
I hate it but i still sing it!

Give your answer to this question below!

]]> http://creditrehabilitation.com/blog/credit-repair-questions/do-you-find-yourself-singing-when-the-free-credit-report-commercial-comes-on/feed/ 35