Seriously WTF?

  • Posted by a hidden member.
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    Dec 04, 2009 7:53 PM GMT
    Can somebody explain to me why every frigging company can get my credit report by just calling or pressing a damn button and I dont?????? WTH this information belongs to me and it should be easily available so I can learn to manage my credit betta. I just dont get it sigh
  • Posted by a hidden member.
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    Dec 04, 2009 8:49 PM GMT
    If you would like to read my reply it will cost $4.99 the first month and then $39.99 every month following.
  • Posted by a hidden member.
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    Dec 04, 2009 8:50 PM GMT
    Munchies aint cheap but damn he's totally worth it!
  • Posted by a hidden member.
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    Dec 04, 2009 8:53 PM GMT
    http://www.freecreditreport.com/pm/default.aspx?PageTypeID=HomePage62&SiteVersionID=716&SiteID=100219&sc=669916&bcd=UVaVk4F5


    http://www.experian.com/lp/credit-report-h.html?WT.srch=ecdG1


  • Timbales

    Posts: 13993

    Dec 04, 2009 8:55 PM GMT
    in the US, you can get them for free from the credit companies once a year, possibly more, I'm not sure
  • Posted by a hidden member.
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    Dec 04, 2009 8:58 PM GMT
    If you pay you can get your reports whenever you want. Also companies pay for that service. They just don't snap their fingers and have the info.

    I pay a very small fee per month to monitor my report. It's totally worth it.
  • DCEric

    Posts: 3713

    Dec 04, 2009 10:53 PM GMT
    Timberoo saidin the US, you can get them for free from the credit companies once a year, possibly more, I'm not sure

    He's a Canuk.
  • Posted by a hidden member.
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    Dec 04, 2009 10:57 PM GMT
    um... why do you need to know what your credit rating is? pay your bills, keep the credit card low (don't max the damned thing out) spend only what you earn, save money and don't do stupid things... you credit rating will go up and you wont have any problems.
  • Timbales

    Posts: 13993

    Dec 04, 2009 11:06 PM GMT
    DCEric said
    Timberoo saidin the US, you can get them for free from the credit companies once a year, possibly more, I'm not sure

    He's a Canuk.


    that's why I prefaced it "in the us" ;)

  • Dec 04, 2009 11:13 PM GMT
    yes you are right in the U.S. you can get actually get a free credit report from each of the the 3 major companies once a year. so if you space them far enough apart you can check your credit once every four months. doesn't Canada have something like that?
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    Dec 04, 2009 11:15 PM GMT
    lilTanker saidum... why do you need to know what your credit rating is? pay your bills, keep the credit card low (don't max the damned thing out) spend only what you earn, save money and don't do stupid things... you credit rating will go up and you wont have any problems.


    I havent finished paying my tuition, and I had a problem with an ISP company so I was wondering how thats affecting my credit rating. I just want to know, and I guess it should be my right to know.

    Credit card companies make enough money with every swipe of my card as to afford to send a frigging credit report when I need it and not only ONCE a year upon request. To pay a small fee for it? Ya right because thats how all companies work nowadays, just pay a small fee for this and that, frigging fees you dont even know if theres any actual expense on the company side to support such fee. The worst part is that we end up getting used to their bullshit and to give them money for free, because you know they so need our charity.
  • Posted by a hidden member.
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    Dec 04, 2009 11:30 PM GMT
    I assume my credit rating sucks, and I don't care. It sucks because I pay everything cash: new car, Vespa, camper, everything. I finance nothing, and have no credit cards, no monthly payments of any kind, except ordinary utilities. My plastic consists of a single debit card for cash-free convenience, which means I only pay with what I have on deposit. My partner does the same.

    Therefore I have a zero credit rating. I remember way back in 1981, as a 32-year-old Army Captain, an off-post apartment complex denied my application. "You have no credit history," they explained to me, "So we can't approve you." Well yeah, I never bought anything on credit in my life, no need to. Eventually we sorted it out, and I moved in.

    Strange how the US operates, on the assumption that everyone is in debt. They WANT you to be in debt, and penalize you if you're not. I don't play by that game, and while inconvenient at times, no one gets a penny in interest payments out of me, or my partner.

    We're far from rich, but we budget & pace ourselves, and spend nothing more than what we have. As a result, we have more than most with our income, because we pay no one for using their money instead of our own.
  • Puppy80

    Posts: 451

    Dec 04, 2009 11:47 PM GMT
    charlitos said
    lilTanker saidum... why do you need to know what your credit rating is? pay your bills, keep the credit card low (don't max the damned thing out) spend only what you earn, save money and don't do stupid things... you credit rating will go up and you wont have any problems.


    I havent finished paying my tuition, and I had a problem with an ISP company so I was wondering how thats affecting my credit rating. I just want to know, and I guess it should be my right to know.

    Credit card companies make enough money with every swipe of my card as to afford to send a frigging credit report when I need it and not only ONCE a year upon request. To pay a small fee for it? Ya right because thats how all companies work nowadays, just pay a small fee for this and that, frigging fees you dont even know if theres any actual expense on the company side to support such fee. The worst part is that we end up getting used to their bullshit and to give them money for free, because you know they so need our charity.


    My BF taught a financial fitness course, and i was lucky enough to sit in on his credit lesson. It was quite interesting. You can order your credit report from the big three, but it's better to order it only from on every couple months. that way you can monitor it better. Charlitos, I will try to ask him when i see him for the info.

  • Posted by a hidden member.
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    Dec 04, 2009 11:54 PM GMT
    Quit hitting the pay-per-view nekid gay sites, and you won't have those nasty credit card issues!
  • Posted by a hidden member.
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    Dec 05, 2009 12:02 AM GMT
    Credit Report Freeze

    You can have your credit history restricted, so it is not accessible to anyone. The three credit bureaus offer this, but you have to send a short letter requesting it, plus some proof of identity. Their websites explain the details.
  • Posted by a hidden member.
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    Dec 05, 2009 12:42 AM GMT

    Hi,

    There are a couple of things you can do.

    Everyone in the US is entitled to receive a free credit report from each of the three major credit bureaus (Experian, Trans Union and Equifax). The website to do this is http://www.annualcreditreport.com . The best idea is usually to order a free report from one of the bureaus every four months so that you can keep an eye on your info. Your credit report won't include your credit score, but it will include your detailed credit information so that you can check for errors, etc.

    If you want to deny potential lenders etc a chance to check your credit score or your credit report, you can opt out on the websites of each of the credit bureaus. You can also lock your credit report, which means that noone can obtain your credit information without you unlocking it. The only potential downside to this approach is that it can take a few days for the bureaus to unlock your report in case you want to authorize a credit check - if you're buying a car, renting property, etc.
  • Posted by a hidden member.
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    Dec 05, 2009 1:04 AM GMT
    If you can't afford it, you almost always have no business buying it. Using credit will raise your costs substantially. E.g, on a car, as much at 40% over paying cash. On rent to own, or revolving credit, even more; sometimes much more.
  • Posted by a hidden member.
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    Dec 05, 2009 1:04 AM GMT
    Good credit is next to godliness.
  • Posted by a hidden member.
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    Dec 05, 2009 2:12 AM GMT
    charlitos said
    lilTanker saidum... why do you need to know what your credit rating is? pay your bills, keep the credit card low (don't max the damned thing out) spend only what you earn, save money and don't do stupid things... you credit rating will go up and you wont have any problems.


    I havent finished paying my tuition, and I had a problem with an ISP company so I was wondering how thats affecting my credit rating. I just want to know, and I guess it should be my right to know.

    Credit card companies make enough money with every swipe of my card as to afford to send a frigging credit report when I need it and not only ONCE a year upon request. To pay a small fee for it? Ya right because thats how all companies work nowadays, just pay a small fee for this and that, frigging fees you dont even know if theres any actual expense on the company side to support such fee. The worst part is that we end up getting used to their bullshit and to give them money for free, because you know they so need our charity.


    sounds like someone has a spending problem. If your ISP "problem" aka overdue bill has gone to collections it will impact you, if it hasn't you may be ok. In Canada, every time you check your credit or an institution does, it loses points because it is assumed you are applying for additional credit. Never carry a balance on your credit cards, have store or gas station credit cards. All will adversely impact your credit score. The more credit you have the higher risk you are for lenders.

    Another thing to avoid is if you have to carry a visa balance that it does not exceed 50% of your limit.

    https://www.freecreditreportsincanada.ca/
  • Posted by a hidden member.
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    Dec 05, 2009 2:41 AM GMT
    ManMachine23 saidhttp://www.freecreditreport.com/pm/default.aspx?PageTypeID=HomePage62&SiteVersionID=716&SiteID=100219&sc=669916&bcd=UVaVk4F5


    http://www.experian.com/lp/credit-report-h.html?WT.srch=ecdG1


    No. No. NO!!!!! These cost money.

    Here's the free one ...

    https://www.annualcreditreport.com/cra/index.jsp

    Edit to add that Annual Credit Report.com is the site that the government had the credit reporting agencies create after an amendment to the Fair Credit Reporting Act passed a few years ago. Under the FCRA amendment, you are LEGALLY ENTITLED to one free credit report each year.

    Freecreditreport.com and all other sites do allow access to your credit report but charge a fee for services that you probably don't need.

    If you're looking for your free credit report, annualcreditreport.com is the ONLY site to access it.
  • Sparkycat

    Posts: 1064

    Dec 05, 2009 6:00 AM GMT
    In that case I'm a freakin' devil.


    GodAlmighty saidGood credit is next to godliness.
  • Sparkycat

    Posts: 1064

    Dec 05, 2009 6:01 AM GMT
    What really annoys me is that I can obtain free credit reports but I have to pay for my credit score.
  • Posted by a hidden member.
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    Dec 05, 2009 9:01 AM GMT
    They pay to get reports on you...and it's a big fee for all they need info on. You can pay...9.99 a month.

    I get score watch with equifax.com .....

    It helped me to get my Credit score up...and this is what saves you a lot in the end....mine is 750 now!!

    yeah
  • drypin

    Posts: 1798

    Dec 05, 2009 9:04 AM GMT
    That's called democracy. It means we stick whoever gives a good sound bite into decision making political positions, then expose them to more clever consultants paid 6-figure fees to persuade them that deciding in their favor is the way to go. Then we actually put laws into place to make sure it's very difficult and expensive for any spoil sports to even change the system.
  • Posted by a hidden member.
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    Dec 05, 2009 11:12 AM GMT
    Here's a bit more information on how to raise your credit score from MSN's Liz Pulliam Weston (great consumer finance writer) -

    http://articles.moneycentral.msn.com/Banking/YourCreditRating/7FastFixesForYourCreditScore.aspx?page=1

    Here's a free credit score estimator from FICO -
    http://www.bankrate.com/calculators/credit-score-fico-calculator.aspx

    And here's another one that does it automatically, although you do have to create an account and enter your SSN to register with them.

    http://www.creditkarma.com/

    Credit Karma is able to offer a free score estimator through its sponsors, which provide credit card and other types of offers on the site. You're under no obligation to accept any offers, so I usually skip them.