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

In Credit of CreditGuy (January 30, 2024 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

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

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, 2024 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, [...]

what is the best student credit card out there?

In Credit of CreditGuy (January 27, 2024 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

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 [...]

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, 2024 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, 2024 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

How do I get a “summary” of what I should correct first on my credit report ?

In Credit of CreditGuy ( 7:51 pm)

wendy b asked: another credit report question, I have been to so many credit report repair sites, and on one, somewhere ????????? they gave me a summary of what was most critical to dispute, as I know they are wrong. Do you have any idea where I can get that, as I have a long [...]

How long does it take to REPAIR your credit report? I have one negative on my credit?

In Credit of CreditGuy ( 11:25 am)

oh no!!! asked: Months, years??? Just let me know when you can…thanks!!Credit Score Repair Online

How to repair an error on my credit report?

In Credit of CreditGuy ( 2:14 am)

knesa27 asked: I have a collection on my credit report from the old AT&T, when they had wireless products (cell phone.) I paid my account in full, but when I went to check my credit report it says that I owe them $5.00 and they put me in collections. Now when I called the collection [...]

How to repair bad credit?

In Credit of CreditGuy ( 1:24 am)

Haley B asked: If someone has bad credit how do you repair it?Credit Repair Business

How can I repair my bad credit when all my cards are on charge off status?

In Credit of CreditGuy (January 24, 2024 3:33 pm)

jazzzame asked: My debts are about 3 yrs old now, and in charge off status. When I called up the companies trying to pay off these debts, they kept sending me to different depts and finally I got tired of the runaround. I really want to get my credit back in shape but don’t know [...]

What is the best credit card to start my credit?

In Credit of CreditGuy (January 23, 2024 7:15 am)

chaos_magician13 asked: I recently turned 18 and im in a great living situation. i live with my dad, make about 1000 a month and im a musician. I wanted to buy a new bass and amp, but more importantly need to start my credit. I already have the money to buy the bass today, but [...]

How can you raise you credit score even when you pay on time?

In Credit of CreditGuy (January 22, 2024 10:58 pm)

amhjp1820 asked: Ok, past credit messed me up. I have a judgement thats almost paid off. I am trying to raise my credit score.I have 3 new accounts that I’ve paid on time for over 1 year. I read that one way to raise your score is to ” piggy back” on a relatives good [...]

How does an unused credit card report on your credit report?

In Credit of CreditGuy ( 4:22 am)

Simpson C asked: If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?Credit Repair Dispute Letter

What is the best way to repair your bad credit ?

In Credit of CreditGuy (January 21, 2024 11:26 am)

Spanish Angelita asked: My balance is not that high but it is in collection probably the most is 1500-2000 from olddd credit cards .. but how do i get the information to pay off these balances now … i need help to repair my credit but those councelors are not much help either .. how [...]

I’m searching for information on online credit repair services. Do they work? What improvement can be expected

In Credit of CreditGuy ( 9:29 am)

fixdaback asked: Is investing the money for credit repair wothwhile? Are the results satisfactory from an accredited repair service company? I am looking for first hand experience and reference from someone who has used an online credit repair service.Credit Repair Software

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