Debt Consolidation

What credit report service is the best value?

I want a service that I can view my credit report and credit score for all major credit bureaus 3 or 4 times a year and make disputes quickly and easily as needed. I don’t want to pay an arm and a leg. I shouldn’t have to buy my own personal information in the first place.

Tags: credit report, credit score, major credit bureaus

How many credit cards is too much to affect your credit score?

I am going to ask another question regarding which CC should I add to my credit card profile to add to my rewards. I have excellent credit, pay my balance in full each month, and I use my CC to pay for everything I can to rack up points/miles etc.

I am at a point where I want to increase my points and miles so there are some options. The question is, what is too much. I basically share a VISA with my wife, and have an older VISA that i keep. I realize that you should keep older credit cards for history. I want to add at least one AM/EX either the Starwood points, or the Delta Miles. I also might switch our Cap1 card to the signature to get 2 points for every spent, instead of 1.25 for . That is a new card, not a switch. And recently, I have received letters for UNITED miles (20,000 bonus) and AA Miles (21,000 Bonus). I would love to use those just to add to my miles on those flights. Could I add 3-4 cards without hurting my excellent credit? I will not rack up debt.

Tags: aa, bonus, credit card, credit cards, delta, flights, rewards, signature, visa

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

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 report that you and the CRA have access to.

So, there are actually 2 forms of credit report: one that potential creditors see, and one which only you and the CRA see.

Is this correct??

I am asking because in previous answers to my "pay for deletion" questions, alot of people are saying that debts are never 100% deleted from credit reports.
So that makes me wonder what the phrase "pay for deletion" means exactly?
Thanks!

Tags: cra, credit card, credit report, credit reports, creditor, creditors, debts, phrase

How can I get a good credit if no one will give me credit?

I have tried applying for credit cards but they won’t give me credit for lack of credit. How can I go about getting a good credit score? (Besides loan companies. Already trying that.)
I really don’t earn much at my job and I would like to get a JC Penny card or something like that for clothes.

Tags: applying for credit cards, clothes, credit score, jc penny, job, loan companies

Why would my credit report look good on Equifax and not Experian?

My credit reports looks good for one agency.
I have a loan in really good standing that is being reported by Equifax on my credit report but when I look at the other, it has no history of the loan. Should this loan be reported to all three of the agencies?? Or is it up to them?

Tags: credit report, credit reports, equifax