How can I get my credit report online for free with out using a credit card?

In Credit of CreditGuy (January 30, 2009 8:14 pm)

onlyinurdreams85 asked: I no longer have a credit card and every site I go to asks me to purchase my credit report. Is there anyway that I can get my report without using a credit card?Credit Repair Blog
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How often does Household Bank report to credit bureaus?

In Credit of CreditGuy ( 7:24 pm)

Sandra asked: I recently got a Household Bank credit card in order to help build up my credit score. I have only used the card for small purchases and have paid off the balances for 2 months (the amount of time I’ve had the card) but no payments have shown up on my credit report [...]

has anyone had a bankruptcy on their credit report and credit repair had it removed?

In Credit of CreditGuy ( 7:02 pm)

Kevin Smith asked: like credit repair
some say big scam others say it works so what is it?Bad Credit Repair
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How do you lower your credit limit without lowering your overall credit score?

In Credit of CreditGuy ( 6:03 pm)

Tim asked: I have only have one revolving credit card, and I have a very high credit score. Because of this overall score they subsequently increase my credit line, even though I don’t ask for or use this revolving line of credit. Question? I have been told if you ask for a credit line decrease [...]

Is a secured credit card a good way to establish credit?

In Credit of CreditGuy ( 12:37 am)

yeah!!! asked: I have no credit history cause i’ve never had a credit card or borrowed money or anything and I want to establish credit now. well I applied for a credit card that required a deposit..secured credit card will that help boost my credit and how high will my score go once i start [...]

How long does it take for credit card latenesses to fall off one’s credit report?

In Credit of CreditGuy (January 28, 2009 1:37 pm)

lightning_strikes asked: I’ve heard that “baddies” stay on a credit report for 7yrs from the date of first delinquency.
In 2002, I had a Visa lateness recorded on my credit report. Next to the lateness, it said “due to stay on credit report until 3/2005″ which is only 2.5yrs not 7. Then in spring 2005, the [...]

what is the best student credit card out there?

In Credit of CreditGuy (January 27, 2009 7:00 pm)

SK asked: I’m a college student with no credit but I want to get a credit card. What are some of the best credit cards for students? I’m planning to make small purchases and paying them off the next month to build credit. What other ways can I build my credit?Credit Repair Service
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What credit score is needed to get the best fixed rate for consolidating accounts?

In Credit of CreditGuy ( 12:07 am)

Dottie asked: Any suggestions on how to raise credit scores in the range of 597-607 received from all 3 credit reporting agencies.
I have 2 mortgages which was done by the mortgage company a couple years ago to help my credit and both have high rates, 1 car loan, 5 credit cards, and a small loan [...]

Is there a difference between the credit report a creditor sees and your full report on file with the 3 CRAs?

In Credit of CreditGuy (January 26, 2009 12:34 am)

G-M-B-A asked: Correct me if I’m wrong but when you “pay for deletion” you are paying for any record of the debt to be 100% removed from the report that a potential creditor would see (like when you buy a car or credit card) .
–BUT the debt is never actually deleted from the credit [...]

How to get a credit card with no credit and no checking account?

In Credit of CreditGuy (January 25, 2009 8:36 pm)

indygal asked: I’m young with no credit and no checking account. I’ve been looking online and have only come across debit cards or credit cards that require a checking account. Where and how can I get a CREDIT CARD w/ no credit and no checking account?Credit Repair Dispute Letter
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