eleny
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Sat Oct-01-05 12:54 PM
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I was just watching CNN and they talked about annual credit reports. Because of a recent law, we can check with the three credit report companies once a year for free. It can be done online at this web site https://www.annualcreditreport.com/cra/index.jsp
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I_Make_Mistakes
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Wed Oct-05-05 02:55 AM
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1. Good to post this, NJ has had it for awhile. I actually got suckered |
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into joining a group that allows you to check it whenever to make sure there are no problems ($7.95/mo). Do not do this, apparently, even if you check your credit yourself, you can negatively affect your own credit score. I did it because I started receiving credit apps. for a male with my last name, I don't have bros. and no ex husbands, and I am the only owner of this property. I bought this property, brand spanking new, so, I was worried about identity fraud.
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eleny
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Thu Oct-06-05 07:39 PM
Response to Reply #1 |
2. I heard about negatively affecting credit by checking on it |
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Doesn't that sound so screwy? I'd like to know more about this like how many checks is bad enough to send a report tanking.
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I_Make_Mistakes
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Sat Oct-08-05 12:13 AM
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3. I temporarily had over $40,000.00 in my checking account and |
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went to write a check at Victoria's Secret for $70.00, (I had also, just paid off some decent credit cards balances.). I think it was Equifax that refused to verify my check.
I was so pissed, thank god, I had the cash on hand. When I called them, they said that I had written a lot of checks recently which lead to them declining me. I said don't you check the amts. in the accounts they said no.
Just to add, I had a really good credit rating at the time so I don't know what their criteria is. It is crazy that these mistake ridden companies have so much control over our lives.
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eleny
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Sat Oct-08-05 02:03 PM
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4. Your experience reminds me of something |
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During the Carter administration he urged people to ditch their credit cards and tighten our belts because of inflation. I got rid of my only credit card - the Master Charge. Some time after, I went to the department store to get a few pair of slacks and wrote a check. No credit card number to secure my check. I politely told them that I got rid of the cc at Carter's request and that if they didn't want to accept my check it was okay - I didn't need to get the slacks. The clerk consulted with her supervisor and I got my slacks. I wonder what would happen these days?
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DU
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Tue May 07th 2024, 08:55 PM
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