7thDay Sinner Anonymous asked:


This question is for those who have paid the 100% down plan in cash not credit not payments for something large. Perhaps your car, boat, house, lawn mower. My answer is that I paid cash for the computer I am using. The tower, printer, monitor and everything else.
So what was it for you?

Todd

suzanne c asked:


Although companies offer “Free Fico Score” online, they request your credit card info with the TRIAL monitoring service. In my view, this is deception. If I decide to keep the service after the trial, giving out my credit card data at that point is soon enough. Actually, I think this is a good case for the FTC!

Edward

ebonisun asked:


Are there any home security alarm companys that will install and monitor your alarm system w/o a credit check? I have looked around and the 2 that I found, popular, require a credit check and 2-3yr agreement. Is this how it goes or are there companys that will let you pay up front or don’t require a credit check. Thanks.

Willie

jobseeker44449 asked:


now collection agencies are calling me..they say the call may be monitored..today I said mine might be too..they won’t talk to me when I tell them that..why?

Marcus

acuraboy1978 asked:


I paid an auto loan, paid garnishment from an overpayment, and monitored several items on credit report.

Herbert

Mike D! asked:


I was in an accident nearly 4 years ago and was taken to the hospital via ambulance. As I understand it, they took my information then and they claim they submitted the bill to my insurance company. I figured everything was all set but have recently been getting collection calls for nearly $1000 and this has shown up on my credit reports (which unfortunately I have only begun to monitor lately). I have been in contact with my insurance company (who tells me I owe nothing in this situation because it should have been covered) and they say they received nothing from the ambulance company until the end of Feb 08! The ambulance company insists they did nothing wrong and refuse to take this mark off my credit report even when they are paid by my insurance.

Do I have any recourse to have this removed from my credit reports? I need help! Thanks!

Beverly

StephenWeinstein asked:


Due to a class action suit against Trans Union (see https://www.listclassaction.com), most persons in the U.S. are entitled to register for the following benefit options:

Sign up for six months of credit monitoring services. If you select this option, you can also register to possibly receive cash benefits in the event of a cash distribution or file an individual lawsuit against the Defendants.

Sign up for nine months of enhanced credit monitoring services. If you select this option, you will not receive any further benefits, including a cash payment, and you will not be able to file an individual lawsuit against the Defendants.

Register to possibly receive a cash payment. If you select this option, you can also sign up for six months of credit monitoring; however if you receive a cash payment, you cannot file an individual lawsuit against the Defendants.

To receive any of the benefits, we “must register by September 24, 2008.”

(“Enhanced” means that option also includes the scores used by insurance companies. Regular monitoring includes only the scores used by creditors.)

Which is the better deal? Six months of regular monitoring plus the possibility of cash or nine months of enhanced monitoring and no chance at any cash?

Alvin

Midnight Beauty asked:


I’m 19, if it matters, and I was wondering if I should get a credit card. I don’t usually pay for things with anything other than a closely monitored debit card or cash, but someone said that I should start building my credit history. What do you think? Should I get a credit card? Is there another way to build credit besides a card? I already know that I’d have to pay it all off at the end of the month.

Georgia

dan m asked:


I have reason to worry that my SSN and other important info might have compromised online. what should i do now? how do i monitor that no one has done anything with my credit, or stolen my id? please help

Marie

PitbullMamma asked:


I have heard people say they have paid people to ‘fix’ their credit report. Is this true and legit? I have negative things on my report due to numerous things, job loss, divorce, stupidity as a college student and a bankruptcy that is scheduled to ‘fall’ off 2011. Some of these things supposedly are to fall off in 2009, but others that I have even disputed because they were accounts opened in my name that I did NOT authorize and I having a hard time getting those removed. What is the best way to help my report, improve my score and get these negative things off (especially the ones I did not do) without having to wait years? I know about the 3 credit companies Experian, Trans-Union and Equifax. Are there others, too? I don’t want to get scammed and I also want to find the best ‘company’ to go through to monitor and have access to my credit reports. Any advice on who and how much it costs? (I have requested a free credit report annually, but I want access for more than just 30 days). Thanks for ANY help in advance!
Is it safe to use a company to repair your credit? Do they cost a lot? What if its a scam? How do I know if its legit?
I also heard someone tell me that if you obtain your reports and dispute all items continuously every 30 days that they will eventually ‘run out of time’ and HAVE to remove the debt off your report, is this true?? Is it legal?? Sounds like a lot of work!! oh btw a LOT of my things on my report I’d say 60% are medical related, stuoid thing is its the same company reporting me to collections and instead of combining all charges they sent the seperately… causing me to have 45 negatives on my report when over half is the same place, can they do that? why couldnt they just combine it and make it all one, then i’d only have maybe 8 negatives on my report. Im sure when I apply for credit they see that and are like ‘no way are we extending credit!’ I think that should be illegal for them to report each doctor visit or hospital stay seperately when they all came from the same place.
So if something is removed, it cant magically come back on your report at all can it? Like say I had a collection removed, can it backfire on me and reappear if that company sends it to collections again?

Leo