Jul 31
Jul 31
ok i just turned 18 yrs old and i had a debt about a cell phone that i owned but once i turned 18 i paid it off.. but why does it say it'll remain under my creit for seven years,,,
experian says:
Credit reporting agencies like Experian are governed by the federal Fair Credit Reporting Act (FCRA) and companion state laws. The FCRA permits us to list positive information on your credit report indefinitely, although it generally remains up to 10 years. Accurate negative information - such as a late payment or an account turned over to a collection agency - can remain on your credit report for seven years. Bankruptcies may remain on your credit report for up to 10 years. Unpaid tax liens may remain for up to 15 years.
what does this mean? because evn wen i want to apply for a store card (like target, macys, bestbuy) or a credit card, they dont let me because they say i have an outstanding debt....
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Jul 31
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Jul 30
On three occaisions, Equifax "verified" inaccurate information in my credit report in violation of the fair credit reporting act. I am ready to hire a lawyer and sue for seven hundred and fifty thousand dollars for defamation and damages for emotional distress. And I was denied credit as a result of their inaccurate reporting. Have you heard of, or have you won, a suit in similar circumstances?
Thanks.
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Jul 30
Advice on getting the best unsecured loan
Are you planning to get an unsecured loan? If so, you'll find this article very accommodating. A Bit Of preparation and study is necessary to obtain an unsecured loan for the lowest rate, and this article may be a good starting point for you. LenenInformatieCentrum.nl writes in Dutch about maandlasten berekenen.
Start with checking your credit report. Lots of people have faults on their credit reports and they don't even know it. You may be looking at a pretty hefty loss of money if one of these errors cause your credit score to go down. It's worth the effort to go over your credit report cautiously.
All the mistakes should be cleared from your credit report before you approach a lender. Don't approach a lender without trying your best to take off the mistakes in your credit report. To ensure you get the best rates for your unsecured loan, review your credit report.
If you want to get the lowest interest rates, you should compare rates against each other. Comparing loan offers is simple online. When you start the process of comparing, be sure you're comparing apples to apples. The loans you're comparing should be the same length, same sum total and should have about the same terms.
It's not tough to find a lender that is ready to give you an unsecured loan. You have to watch out for the wrong lenders, because there are some in the marketplace. The least you can do is to read up on a lender beforehand. Or, if you have friends that have experience with unsecured loans, ask them who they used and if they were happy with the process.
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