Credit Cards For Fair Credit » Credit Reporting http://credit-cards-for-fair-credit.com Credit Cards For Fair Credit Thu, 24 May 2012 10:56:41 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Credit Scores, are they used to keep poor people poor? http://credit-cards-for-fair-credit.com/7056/credit-scores-are-they-used-to-keep-poor-people-poor/ http://credit-cards-for-fair-credit.com/7056/credit-scores-are-they-used-to-keep-poor-people-poor/#comments Sun, 26 Sep 2010 19:12:59 +0000 Author

Is the FICO system designed to keep hard working people down? To only provide very low interest loans to the rich for business purposes to get even richer? Allow a certain few the privelage of 0% interest on new cars?

I have noticed that quite a few people I know have a hard time to get their score above 700. Many pay their bills on time, own homes and yet still, their scores only rise a few points every year because of a single late payment within the past 6 years.

Why is the system set up so that a common person has to prove everything to a credit reporting agencie with piles of paperwork and copies of everything, while the banks and those corrupt bottom feeding collection agencies only have to place a phone call to report negative items. And some will do so for years by re-dating which is illegal to do in the first place.

What's your opinion and do you think it's fair?


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]]> http://credit-cards-for-fair-credit.com/7056/credit-scores-are-they-used-to-keep-poor-people-poor/feed/ 8 What's the best way to get a copy of my credit from all 3 major reporting agencies? http://credit-cards-for-fair-credit.com/6493/whats-the-best-way-to-get-a-copy-of-my-credit-from-all-3-major-reporting-agencies/ http://credit-cards-for-fair-credit.com/6493/whats-the-best-way-to-get-a-copy-of-my-credit-from-all-3-major-reporting-agencies/#comments Wed, 15 Sep 2010 00:01:15 +0000 Author

I'm confused. Should I purchase reports for each 3 agencies directly or should I use one of these other companies that let you buy all three? Doesn't the fair credit act require a free copy be given to anyone who disputes something being reported?


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]]> http://credit-cards-for-fair-credit.com/6493/whats-the-best-way-to-get-a-copy-of-my-credit-from-all-3-major-reporting-agencies/feed/ 6 I signed a credit card application when I was 16 years old saying I was 18.? http://credit-cards-for-fair-credit.com/6287/i-signed-a-credit-card-application-when-i-was-16-years-old-saying-i-was-18/ http://credit-cards-for-fair-credit.com/6287/i-signed-a-credit-card-application-when-i-was-16-years-old-saying-i-was-18/#comments Sat, 11 Sep 2010 00:02:29 +0000 Author

However, I paid the balance off in full every month, and am not currently in debt.

Additionally, I'm now 19 years old and the credit card bureaus are reporting my birthdate as 3 years older than it really is.

Will I be charged with credit card fraud, and if so, will it be severe? (Even though I have 0 debt and have been paying my bills?)


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]]> http://credit-cards-for-fair-credit.com/6287/i-signed-a-credit-card-application-when-i-was-16-years-old-saying-i-was-18/feed/ 7 What is the best credit card for people with no credit? http://credit-cards-for-fair-credit.com/3451/what-is-the-best-credit-card-for-people-with-no-credit/ http://credit-cards-for-fair-credit.com/3451/what-is-the-best-credit-card-for-people-with-no-credit/#comments Sat, 17 Jul 2010 04:48:05 +0000 Author

I am 18 years old, I have no credit history. I am looking for a credit card so I can build my cred history. What are the best credit cards for individuals like myself? Thank you!


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]]> http://credit-cards-for-fair-credit.com/3451/what-is-the-best-credit-card-for-people-with-no-credit/feed/ 4 I've seen a credit card that offers monthly reporting to 4 four crediit bureaus, what is the 4th one? http://credit-cards-for-fair-credit.com/3411/ive-seen-a-credit-card-that-offers-monthly-reporting-to-4-four-crediit-bureaus-what-is-the-4th-one/ http://credit-cards-for-fair-credit.com/3411/ive-seen-a-credit-card-that-offers-monthly-reporting-to-4-four-crediit-bureaus-what-is-the-4th-one/#comments Fri, 16 Jul 2010 12:01:26 +0000 Author

Hello I certainly am looking for a card that reports to all 3 bureaus. However I've seen cards saying they report to 4 more than once I've seen this. What is that. Are they going to fair isaac as well. This has me stumpt.


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]]> http://credit-cards-for-fair-credit.com/3411/ive-seen-a-credit-card-that-offers-monthly-reporting-to-4-four-crediit-bureaus-what-is-the-4th-one/feed/ 2 Auto financing offer from credit card company -? http://credit-cards-for-fair-credit.com/2791/auto-financing-offer-from-credit-card-company/ http://credit-cards-for-fair-credit.com/2791/auto-financing-offer-from-credit-card-company/#comments Sun, 04 Jul 2010 14:24:22 +0000 Author

I have been working on improving my credit score, and have improved it by over 50 points. my current car loan was made with high interest rate (16) and i still have about 7-8,000 to pay on it. would it make more sense to take the credit card offer, and trade in my car? Or do i need to pay down on the existing loan? i want to get out of high payments...


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]]> http://credit-cards-for-fair-credit.com/2791/auto-financing-offer-from-credit-card-company/feed/ 2 How will an increase in salary affect my credit score? http://credit-cards-for-fair-credit.com/2765/how-will-an-increase-in-salary-affect-my-credit-score/ http://credit-cards-for-fair-credit.com/2765/how-will-an-increase-in-salary-affect-my-credit-score/#comments Sun, 04 Jul 2010 04:48:12 +0000 Author

I understand that credit score isn't necessarily based on income but here's my situation. I have about 16,000 in revolving debt with a 600 credit score. My yearly income has recently increased 10 fold which obviously improves my debt to income ratio. How long after this increase should I see improvements in my credit score and by how much. Also what triggers the credit bureaus that this increase in income has occurred?


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]]> http://credit-cards-for-fair-credit.com/2765/how-will-an-increase-in-salary-affect-my-credit-score/feed/ 4 Which is better, a secured credit card or an unsecured card with excessive fees? http://credit-cards-for-fair-credit.com/1853/which-is-better-a-secured-credit-card-or-an-unsecured-card-with-excessive-fees/ http://credit-cards-for-fair-credit.com/1853/which-is-better-a-secured-credit-card-or-an-unsecured-card-with-excessive-fees/#comments Wed, 16 Jun 2010 09:37:05 +0000 Author

I am trying to repair credit. I have enough money to establish a secure credit card without impacting my budget too much. I can also qualify (barely) for an unsecured card with excessive fees (billed to my available credit upon issue). So, I guess my question is...is there any difference in credit reporting between the two options? This will help me decide which route to go. I plan to use the card incidentally, only to show usage and increase my credit score.


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]]> http://credit-cards-for-fair-credit.com/1853/which-is-better-a-secured-credit-card-or-an-unsecured-card-with-excessive-fees/feed/ 3 Only 1 credit agency is reporting a score for me, how do I get the others to report a score for me? http://credit-cards-for-fair-credit.com/1503/only-1-credit-agency-is-reporting-a-score-for-me-how-do-i-get-the-others-to-report-a-score-for-me/ http://credit-cards-for-fair-credit.com/1503/only-1-credit-agency-is-reporting-a-score-for-me-how-do-i-get-the-others-to-report-a-score-for-me/#comments Sat, 05 Jun 2010 07:12:07 +0000 Author

I have an excellent credit score @ 774, but only Experian is reporting a score for me. How do I get Equifax and Trans Union to report also?


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]]> http://credit-cards-for-fair-credit.com/1503/only-1-credit-agency-is-reporting-a-score-for-me-how-do-i-get-the-others-to-report-a-score-for-me/feed/ 1 Fair Credit Reporting by debtor once debt is paid off? http://credit-cards-for-fair-credit.com/1220/fair-credit-reporting-by-debtor-once-debt-is-paid-off/ http://credit-cards-for-fair-credit.com/1220/fair-credit-reporting-by-debtor-once-debt-is-paid-off/#comments Wed, 26 May 2010 11:08:36 +0000 Author

I have come to an agreement of a settlement with a company I owe money to, not for full amount. They want to say on my credit report once I pay them the settled amout: "Paid in full, but did not pay full amount". Is this legal?
This is like they get paid AND they get to still give me a black mark on my credit report.....


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