Credit Report

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Reading a Credit Report

The credit report is a record of a persons credit card and loan activity. This report can be used for a few different factors. When a person is obtaining a loan, the credit statement is reviewed to ascertain if there have ever been overlooked payments or other problems during the life of some other loans or credit cards. For those with poor credit, being approved for a loan could be more difficult than someone who has good credit. A report may also show how properly a person pays their own bills and lending options. Late or skipped payments will show on this report.

Reports are also used to observe how many credit cards one has and the balances that are on them. Combining month-to-month credit card payments with a persons income will determine whether a person can make their payments and also the payment for a new loan. If a person has too much money on their own credit cards, they may not approved for a loan even when they have never missed a payment. A credit report will also list any other activity such as bankruptcy. A person should order a credit report once a year to make sure that their statement it accurate.

Reading through a report is easy. Listed first will be the number of credit cards. Next is going to be loans. The credit report score will be towards the top or the bottom of the report. This rating is the overall score of the financial information presented. All accounts have this score. When lenders are looking at a persons credit report, they’re most interested in this score. People may raise or reduced this number by paying off their credit cards and financial loans on time. When a particular person does this each month, over time their credit score should go up.

Comments: 95

  1. Eddie January 30, 2013 at 4:56 pm Reply

    Hi can anyone know how to get the credit reports directly from credit companies. I want my credit report receipt from companies . If I go and ask them they will provide me report or not.

  2. Noel February 8, 2013 at 7:23 am Reply

    I checked my wife’s credit report and she has 3 accounts with late payments from several years ago prior to us being married. One was past due 60 days, one was past due 30 days a few times, and one was past due 120 days. How long will her credit rating be impacted by these accounts? Is it 7 years from the time the account is closed?

  3. Elisha February 24, 2013 at 1:01 pm Reply

    There are a few negative accounts on my credit report due to identity theft that are coming to their 7 years expiration. Since the theft I have been proactive in building positive credit. Are there any steps I should take to ensure the bureaus remove these negative accounts?

  4. Valentin March 12, 2013 at 9:21 am Reply

    I know that i can get my free credit report once a year, but there are like 3 reporting agencies to chose from. Which of those agencies is most accurate, and gives out the most info? I want one, to show all the negatives thing i might have in order for me to fix them, if there are any.

  5. Francesco March 13, 2013 at 8:17 am Reply

    I have found items on my credit report that have passed the statute of limitations. How do I get them off the list?

  6. Serina March 13, 2013 at 11:51 am Reply

    I want to find out what my credit report looks like and my credit score. Can someone offer advice to which websites I should go to that provides the best credit report and score for free?

  7. Salena March 13, 2013 at 11:51 am Reply

    I got a copy of my credit report and sent letters to the various collection agencies asking for them to verify my debt. Three of the letters came back as undeliverable.

  8. Adeline March 26, 2013 at 5:49 am Reply

    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?

  9. Dario May 15, 2013 at 10:35 pm Reply

    I recently checked my credit report and noticed that three credit inquires I made this December (MC, Discover & Visa) were still on my report. How long do they stay?

  10. Edmond May 17, 2013 at 11:59 am Reply

    Currently, my credit report doesn’t have any negative information. My credit report doesn’t show any positive on it either. How can I get positive Information on my credit report?

  11. Anton June 12, 2013 at 9:24 pm Reply

    I recently disputed some negative things on my credit report. Experian sent me a letter that they were deleted. Does this mean that they can no longer be seen by possible creditors or would they still show up? I disputed these things with all 3 credit agencies. Do you think they will also delete them?

  12. Alessandra June 14, 2013 at 8:02 am Reply

    I just pulled up my credit report & I have like 10 old credit card accounts on there that were paid off & closed a few years ago. How long will this stay on my credit report?

  13. Carl July 1, 2013 at 5:45 pm Reply

    I have 2 judgements on my credit report that aren’t true. I am trying to clean up my credit without paying someone $700.00. Please help if you know anything about getting inquiries and other old accounts, and accounts that doesn’t belong to me.

  14. Serina July 8, 2013 at 12:18 pm Reply

    I have one negative item on my credit report. How do I dispute this item? I have heard that if you dispute an item and that particular company does not acknowledge it can be removed from the report all together. Is this true, and how do I go about doing this? The negative item is from Mac Tools Distribution, if that will help. There is an address on my report although there is no phone number. Do i need to call them, or a different source?

  15. Faustina July 12, 2013 at 3:03 pm Reply

    Or do credit card companies only except payment by debit card, cheque, etc?

  16. Rochelle July 20, 2013 at 10:34 am Reply

    I wanted to get information on what your credit report looks like after filing ch 7 bk. Does it still list all your accounts with the balances just with discharged on each, or is your credit report blank with just the bk on it?

  17. Tawanda August 6, 2013 at 11:04 am Reply

    I have a collection item on my credit report for $245, I have paid it already. How can I remove it from my credit report? Is it better to talk to the collection agency to remove it or directly to the credit bureau? Tnx!

  18. Royce August 10, 2013 at 8:43 am Reply

    Meaning I have seen my credit report and it shows my bankruptcy still, from 9 years ago. I was always told it’s suppose to come off your credit report after 7 years. Or is it actually it will always be on your report but shown as discharge even though that’s what the vertict was 9 years ago?
    And if not suppose to be on, how do you get it off?
    It was discharged in 2003 and is a CH 7
    And why is it still on my credit report after 9 years then?

  19. Tommye August 15, 2013 at 11:50 am Reply

    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.

  20. Marcellus August 23, 2013 at 2:59 am Reply

    I understand that negative items remain on your Credit Report for 7 years after the date of Original Delinquency, but how do I determine when this date incurs? Since the “Date of Last Activity” changes extending the date of deletion on your credit report, how can I determine when items should drop off?

  21. Faustina September 13, 2013 at 4:21 pm Reply

    I have pulled a credit report and disputed everthing, and its all still on there. Most of the things are to expensive to pay off (would take YEARS). However, some things I could pay off quicker. How does the bad stuff go away without paying on it?
    Can it go away this way?
    I should also mention that the biggest thing is an eviction. the total amount is aobut $10k. This means that I cant get another apartment because I owe that money, and it would take so long to pay it off. I dont know what to do about that.

  22. Sean October 5, 2013 at 12:59 am Reply

    Do all of the credit report sites expect a credit card number to process? Is there anyway for me to just get my info without having to worry about it being a sca,/hidden fees?

  23. Ryan October 8, 2013 at 6:17 pm Reply

    If you have gone to your credit report and seen what you owed, and then settled the debt with the collector, how long can that stay on your report? And why does it? If it’s been settled, there should be no good reason that it should stay there. It should be removed immediately. Is there a way to have it permanently removed? If so, what is the process?

  24. Maragret October 25, 2013 at 4:02 am Reply

    My fiance and I got in a little disagreement a little while ago about how long collections stay on a credit report.

    He says that after 7 years they will be removed from a persons credit report – whether they are paid or not.

    I disagree with that. Why would collection agencies just “give up” trying to collect money from a person and take it off a persons credit report. It doesn’t make sense to me. If collection agencies just stopped trying to collect from a person after 7 years wouldn’t a lot of people not pay their bills because it will just go away after 7 years?

    Can someone clarify this for me? Thanks!

  25. Lashaunda November 5, 2013 at 4:49 am Reply

    I want to get a free credit report online, but I don’t want to get dinged on my credit report. Does anyone have any info on this matter? Thanks

  26. Santo November 15, 2013 at 9:37 pm Reply

    Some jobs use your credit report against you, especially in finance. Why is that?
    OK, I definitely do understand, especially in the finance field.

  27. Debrah November 20, 2013 at 12:42 pm Reply

    I have some bad debt on my credit report that is older than 10 years. How can I get them to remove it so it does not show anymore?

  28. Charlsie December 13, 2013 at 10:35 am Reply

    I got a copy of my credit report and sent letters to the various collection agencies asking for them to verify my debt. Three of the letters came back as undeliverable.

    I would like to start repairing my credit but since the addresses are no longer valid, what should I do next? I don’t want to send money to agencies that no longer exist/own my debt.

  29. Reanna December 23, 2013 at 5:33 am Reply

    I recently checked my credit report and there were some things on it that were not there because of me. What is the best way to go about fixing this?

  30. Donita December 23, 2013 at 11:52 pm Reply

    All of these free credit report on the internet require your credit card info and want oyu to join a club which is totally crazy to me. If I need to join a club I would have asked for membership info. So there is no such thing as free credit reoprt at all?

  31. Sanford December 23, 2013 at 11:52 pm Reply

    I am helping my best friend clear up her finances and she has many, many old collection notices on her credit report that are helping to drag her rating down. They are probably 4-7 years old. Do these ever fall off? Or get written off? It seems like they just keep transferring them to other agencies. She also has a Household Bank credit card in collections – should this be paid first or the old debt? She tried to make arrangements with the collection agency for Household but they wanted much more a month than she could give them, and they refused to make arrangements so right now they are getting nothing. Help – I am not sure where to start. 🙁

  32. Janelle January 11, 2014 at 2:00 pm Reply

    There are a few items which have been reaged by a collections agency and they cannot do that. The SOL has passed and they should be removed from my credit report. Also, when you view your credit report where is the “date of last activity”? All I see is the open date and last reported date. The last reported date can’t possibly be the date to go by because then the companies can stay on your credit report forever. I have never had problems about stuff dropping off before but Capital One refuses to drop off and the three different collection agencies (for one card mind you) keep reporting a new date opened. This is ridiculous. How can I get them off? It has been 8 years now and they are still on there.

  33. India January 19, 2014 at 10:08 am Reply

    I need to clean my credit reports, all 3 bureaus, I have been late in 2 mortgage payments this year, bringing my score to about 530. I need to have it to 620 or more. I have written dispute letters, did not work to clear entries in reports.

  34. Annis January 19, 2014 at 10:11 am Reply

    I have 5 negative things on my credit report that I paid off, but I want them removed entirely off. Is there anything I could do to accomplish this?

  35. Isiah January 25, 2014 at 8:27 pm Reply

    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.

  36. Devin February 2, 2014 at 12:05 am Reply

    This is about the three major credit reporting agencies.

    If I make one or several inquires about my credit report over several weeks just to keep and eye on it, does doing and inquiry “frequently” on my own credit report count against me in some way?

    Some people say (I have heard) they check their report and scores “daily”!

    How in the world does that help them or me for that matter if I start doing it “daily”? Will it count against me? Will it pull my credit score down? And…do my inquiries show up on my report so that others would see that I have also been looking at it…say, may be just before I seek a major loan?

    I would like to know more about this… so any info. would be great.

    Also, Does a credit report tell you “who” has been looking at you file or has requested a copy of it over the year or this month as far as that goes?



  37. Marcia February 2, 2014 at 2:50 am Reply

    i had my 3 credit cards for less then 6 months i dont charge over 40% of my credit limit and pay off my bills 100% on time would anything be one my credit report right now?

    (also someone told me that even if you charge $1 on capitalone it shows up bad on your credit report i dont think thats true but is it?)

  38. Kylee February 2, 2014 at 10:10 am Reply

    Do you really think its fair that blemishes, caused by a late payment(s) that occurred 6 years ago should still appear on your credit report? My credit report shows I had credit cards from specialty catalogues that I never even used from 6-8 years ago. The accounts are long since closed. It seems ridiculous that these even still appear on my report. And if creditors are going to use my report to deny me credit, shouldn’t all creditors be required to report once a month to each of the 3 major credit companies the status of all accounts held by them? For example, my lending institution for my vehicle only reports to one of the credit companies. That company shows I have a favourable credit score yet the other two give the appearance that I have poor credit.

  39. Tambra February 4, 2014 at 1:42 am Reply

    I heard that we can get a free credit report every year. Is it true? If so, how can we get it ?
    Speaking of, they said they offer free credit for first-time customer for 30 days. Do I have to cancel the service before 30 days if I want to quit? Do you have any experience ?

  40. Caren February 11, 2014 at 6:57 pm Reply

    Where can I go to get actually free credit report? Also, how do I dispute something on my report?

  41. Raymon February 13, 2014 at 4:21 pm Reply

    Do you think agencies are going to far, and wanting to pull your credit report for everything?

  42. Bennie February 20, 2014 at 6:45 pm Reply

    when you have company pull your credit any easy way to get them off credit report i have 30 diffrent credit inquries please help

  43. Chung February 20, 2014 at 6:45 pm Reply

    In the year 2003 my husband was taken to court because of back rent owed to the LL. This shows up on his credit report. It was resolved and paid and i asked the mngmt for a letter of satisfaction. Being that it still on his credit report should i send a copy to the credit bureaus or will it get erasd in the future. How bad would it affect us in the future when wanting to buy a house.

  44. Wei February 20, 2014 at 6:45 pm Reply

    I have subscribed with bank of america to access 3 credit report company details. Now the fee is increased to $14 per month. Actually I have not used much even though I have subscribed for it. What is the best way (i.e to receive the ALERT…it is important to me than credit report) to resolve my problem.

    please help


  45. Felecia February 20, 2014 at 11:01 pm Reply

    A friend mentioned that she doesn’t have a checking account and is worried about a check being sent to her that is too big to cash somewhere cheap. I asked her why she does not deal with a bank, and her answer was that her separated husband has access to her credit reports(and apparently checks them often for activity ie: new accounts) so she doesn’t have one. Is this true? I have seen my credit report and I really don’t remember seeing any info about my checking accounts(routing/account or even name of bank). Did he just say that to be mean or is it accurate? I didn’t press the issue with her, because it’s a tough situation with her right now, but it stayed in my head for awhile. Has anyone been in this situation with an ex? Any help would be good-Googled my questions and nothing good came out of it:(

  46. Ted February 20, 2014 at 11:16 pm Reply

    I’ve been working on repairing my credit to be able to get a home loan, amongst other things later in life. I just got married, so it’s better for us in the long run.

    I just ran my report and found that I’ve still got a collection agency on the report TWICE! One for it being seriously overdue and then at the bottom, it’s listed again as paid. I called them and made arrangements for them to remove both these issues off my credit report completely since they were paid and they agreed.

    So, how much will this effect my credit score and by how much? An approximation would be fine in this case because no one knows the formula to calculate this. lol Anyhow, I’m sitting at 604 per experian (way better than the 520 from a year ago) and working to improve my score even more. The ultimate goal is to apply and receive an FHA loan. It would be my first home.


  47. Royce February 21, 2014 at 8:51 am Reply

    so i just got my free credit report with and apparently they charge 15 dollars a month, I wondering what are you actually getting for your 15 dollars a month because when i looked at my credit report today the date on the credit report said 12/3/07 so can i get a more recent credit report or do i only get one every one in a while?
    My social security card was recently lost / most possibly stolen so i need to monitor my credit report everyday is there anyway i can receive a copy of a recent credit report when i want?
    kuntryguyy, so if i wanted to check my credit report everyday (updated) i would have to pay the 15 dollars a month and pay them for every updated credit report?

  48. Dong February 21, 2014 at 8:51 am Reply

    after a certain amount of years do write offs come off my credit report even though you didnt pay them.

  49. Corinna February 21, 2014 at 8:51 am Reply

    where can i go to check my credit report if i dont have a credit card?

  50. Rey February 21, 2014 at 11:27 am Reply


    (1) How do I check my credit report with 3 major credit agencies ?

    (2) Will it affect my credit rating ?

    I(3) f I apply for a credit card, the credit card company will check my credit rating. But will it affect my credit rating or go on record if I am approved or disapproved ?

  51. Idalia February 21, 2014 at 11:27 am Reply

    I’m looking at my credit report right now, I have a negative item on my report from a credit card account I opened in 2001, it was completely paid off by 2002, but on my credit report from experian its showing a last reported date in 2004. Negative items last up to 7 years, is this going to be on there till next year or taken off in 2011?

  52. Valentine February 21, 2014 at 1:05 pm Reply

    Today I was viewing my credit report and noticed how it said I had 1 collection. I almost had a stroke when I opened the page.

    It states that I have a $11,000 debt. The Creditor Classification is marked Medical/Health Care, yet the creditor name is of an apartment complex where I used to rent.

    My husband was undergoing a PCS when we left the apartment and that is the only issue I can think of that we had with that apartment. I’m wondering why it was filed and why under medical/health.
    I have filed a dispute through Equifax and am wondering if that’s all I can do at this point? I googled the company name and found this –

    Thanks in advance for any help!

  53. Graham February 21, 2014 at 3:58 pm Reply

    okay i just check my credit report and said that my score was 569 and said that i was sent to collections and i had never got any type of information about this it was about that i was at franklin square hospital and i do not rember being there at all what should i do i had a credit score of 697 what should i do i am going to call the collections people tommrrow

  54. Rozella February 21, 2014 at 4:41 pm Reply

    I wanted to know what goes on a credit report. Also I was wondering are outstanding magazine bills on there?

  55. Collin February 21, 2014 at 4:41 pm Reply

    What is a credit report?

  56. Valda February 21, 2014 at 7:47 pm Reply

    Where can i go to see my credit report without having to put in a credit card ?

  57. Viki February 21, 2014 at 7:48 pm Reply

    Does anyone know where I can get a FREE credit report online without having to buy something from them or having to commit to something?

  58. Juan February 21, 2014 at 9:45 pm Reply

    I have an account on my credit report that was opened in March of 2005. It was last reported in 2005. It says N/A for balance and it shows $250 for credit limit. The SoL in Ky is 5 years for open ended acounts. Can I dispute this and have it removed from my credit report. The account is First Premier Bank (may be an old credit card, I can’t for sure remember).

  59. Shelba February 22, 2014 at 3:23 am Reply

    Does anyone know of a real free credit report site where I can check my credit score without giving them a credit card number?Thanks!

  60. Cristopher February 22, 2014 at 6:10 am Reply

    I’ve just been offered a new job. They are going to do a consumer credit report for employment and education verification. What is exactly on this report? If I got fired from a job, will it be on the report?

  61. Jaimee February 22, 2014 at 6:20 am Reply

    How do I fix my credit report, and what mater the must
    plz help

  62. Adeline February 22, 2014 at 6:32 am Reply

    I recently applied for a lease on a new apartment. When the woman handling my application looked into my credit report, she says she found something on there that says Credit Card Theft. When I talked to her on the phone, I didn’t know what to say because I didn’t really have a clue what that could be. But, then I started thinking about it, and came to the conclusion that it must have been when I reported a credit card as missing and got a new card in the mail. Now, I never reported a Credit Card Theft, and I certainly never stole or used anyone else’s credit card.

    Does anyone have any idea what this could be? She says she will probably go ahead with the lease, but I am a little concerned about her finding something on my credit report that says Credit Card Theft.

  63. Lance February 22, 2014 at 6:58 am Reply

    I have one credit card on my credit reports that has two 30 day late payments. I was not the card owner, my mother was and I was listed as an authorized user on the card. She was arguing a charge and said they weren’t charges she made and they eventually closed the card and didn’t make her pay it (I think) but the two late payments are still there. Can I have these removed since I didn’t make the charges or are they stuck there since I was an authorized user of the card? Does it still affect my credit report as an authorized user?

  64. Brady February 22, 2014 at 6:58 am Reply

    I know somethings are suppose to go off your credit after 7 years. That is if they are paid or not right.? I know somethings stay on forever no matter what right.?

    My thing is I have credit card on my report that I refuse to pay, Its a long story,

    I have other things on there but most if not all are paid, late or charged off, but paid. and a fourclouser on an old house.

    Right now I have a mortgage on my house but it is with a private lender that is not reporting it to my credit report.

    I have a debit card and I pay things with cash or I tell myself I do not need them.

    I have no problem just letting things sit there for the next 7 years and let everything go off my credit report and sort of starting from scratch. No credit, low credit is better the bad can’t fix credit to me.

    At the moment I can not even get a gas card or a store credit card, so getting one of those to help ‘fix’ my credit is out of the question.

    Am I right.? Should I let things sit.?

  65. Wilfred February 22, 2014 at 8:42 am Reply

    I was recently turned down for a mortgage and the reason was my credit report. I got a copy of it and there’s nothing wrong that I can see. Could there be some reason that my credit report is bad even though I have not missed a payment on anything ever?
    No other reason was given. It was accepted in principal and rejected two hours later.

  66. Allyn February 22, 2014 at 8:45 am Reply

    At the end of 2008 I got a free credit report from I heard you can get a free on every year. My question is, it is now 2009 and I was wondering if it hasn’t been a year, but since it was in 2008 that I last checked my credit, would it be free or would they charge me?

  67. Meagan February 25, 2014 at 10:32 am Reply

    where can I go to get a free credit report
    I really don’t need the score. I found out today, from one of the agents at my job, that my younger brother is the victim of id theft and we just want to see if there is any activity
    and yes, he is pissed.

  68. Gayle February 25, 2014 at 11:57 am Reply

    I have a citibank credit card that was reporting on my credit report 6 months ago, but is absent from my report now?

    why would this be?

    I have been current on the account, but it was closed by them 5 years ago. I still owe on the card and have made payments ontime for 24 months. Should I get this back on my credit report?
    The card was closed for continual lateness and because my score was wrecked by a chargeoff of another card. My question I guess is whether, because the account is closed, it’s better to keep the account off my report, despite my recent positive credit history with the card, or whether I should ask citibank to continue to report the card.

    the card has literally vanished from the credit report. it’s not there at all.

  69. Daniel March 5, 2014 at 2:16 pm Reply

    I need credit scores for a loan approval but updating it monthly is really costly.However,I want to know the ways to get free credit report.Is there any way?Please help…

  70. Pedro March 5, 2014 at 3:17 pm Reply

    If an account is sent to a collection agency, does the original creditor account stay on the credit report and will it stay negative even after paid in full?

  71. Miguel March 7, 2014 at 4:42 pm Reply

    Where can i get a credit report without getting screwed?

  72. Thomasena March 7, 2014 at 4:43 pm Reply

    Is it true that everytime your credit report is looked up, it actually negatively affects your credit score? And what about these credit report programs- if one is enrolled in one, how does that affect credit? Thanks for any info in advance.

  73. Yuko March 7, 2014 at 4:44 pm Reply

    I am trying to fix my credit and I disputed some items on my credit report, I was speaking to a friend and she mentioned if I have something on my credit report that’s been there 3 to 4 years that I should not pay it off because it will become new debt, does anyone know if this is true?

  74. Carmon March 7, 2014 at 4:45 pm Reply

    I am looking to get my yearly free credit report and credit rating for free…Please help.

  75. Elfreda March 7, 2014 at 4:46 pm Reply

    I’m 19 and I almost feel retarded that I don’t know this. It was never taught to me so I might as well just ask. Exactly what is a credit report and credit score? What are they for? What things can affect them? What scores are considered to be great? How can you check it and manage it? HELP!

  76. Elton March 13, 2014 at 1:07 pm Reply

    When you go to the website and get your credit report, does it have your credit score listed somewhere? I never could locate it on my one last year. Also, do lenders look more at the score or the content of the report?

  77. Rozella March 13, 2014 at 5:19 pm Reply

    I read online that there is a difference between installment debt and revolving debt. On the article I read, credit cards were lumped into revolving credit and this kind of debt was the best for raising a score… Installment debt of course is monitored on the report, such as student loans, but it doesn’t raise the score tremendously even if you are paying it off early. Something interesting I found though, on my credit report there’s a section for revolving credit, and then CREDIT card debt… There’s a definition on my report but they seem to be the same to me! Obviously, somehow there is a difference… Can someone clarify if there is ANY difference between REVOLVING debt and CREDIT CARD debt?? Also bonus question: I am thinking about getting a secured credit card because of bad credit and I want to build good credit. Does a secured credit cards count as revolving credit?

  78. Pearle March 14, 2014 at 4:42 am Reply

    I know these show up on your credit report, but I am wondering how many inqiries is too many? What is the average per month per year? I understand that shopping for a car (where the dealer maytry several different lenders) maycount as ONE iunquiry in a specified amount of time, but I am just wondering about the other inquiries (credit cards, store credit, and such)

  79. Brendan March 14, 2014 at 5:46 pm Reply

    Credit card companies provide various discounts, rebate, or cashback, but most of those are time limited. If I just used a credit card within that benefit time period, then I would cancel that credit card and apply another one. How this action effect my credit report? Also, what if I apply more than one credit card?

  80. Allyn March 14, 2014 at 5:46 pm Reply

    I just discovered that my credit report is showing one of my credit cards as having a $0 credit limit w/$3500 borrowed against it. The actual card limit is closer to $7k – so I’m clearly w/in range. Is there a quick way to get this fixed on my report? It is obviously not helping my score!

  81. Raymundo March 14, 2014 at 5:46 pm Reply

    does the money that I am getting in finacial aid appears in my credit report as a debt because I now that student loans do.

  82. Charlott March 14, 2014 at 5:47 pm Reply

    ive recently purchased a property that due to previous tenants now has a bad credit history, i personally have a reasonable credit history, how do i go about updating this addresses credit files so i dont get refused most things because of the addresses history, i recently had a credit report sent back for myselof so i know its not me personally< is there any links?

  83. Brandon March 14, 2014 at 5:50 pm Reply

    I recently checked my credit report and found out one company who I did not pay my account on is reporting that I made 3 payments this year(I did not make these payments)…they should be rolling off my credit report because account is over 7 years old… I think that’s why they are reporting these payments, so that they can consider my account “current” and continue reporting negatively on my credit report. What can I do?

  84. Laurence March 14, 2014 at 7:46 pm Reply

    How long do bad things stay on your credit report? And how does them not being on your credit report effect the credit score?

  85. Marisha March 15, 2014 at 3:50 pm Reply

    I was wondering what the guidelines are for disputing an Item on your credit report… What can be disputed and what can not? Also how to start the disputing process?

  86. Clyde March 16, 2014 at 1:50 am Reply

    My friend is a minor like me, we’re only 15, but he has a credit card that he uses to buy stuff online, so he doesn’t have to use his mom’s credit card. I was wondering where to get something like that, like a credit card that you fill up with money and you can use it anytime.

  87. Bryce March 18, 2014 at 11:48 am Reply

    I may get a credit card for young adults.

  88. Lou April 12, 2014 at 11:39 am Reply

    High school kid without a job, no bank info
    Need credit card to get a free xbox 360
    what do I do?

  89. Fidel April 16, 2014 at 10:38 am Reply

    What creditor can I get a credit card through…even department store just to use as a rebuilder? Score is about 500

  90. Stan April 27, 2014 at 10:33 pm Reply

    what is a unsecured credit card?

  91. Alberto May 3, 2014 at 3:39 am Reply

    A family member suggested I get a secured credit card to help build credit for myself. I figured this was a good idea, however, upon looking USAA also has a student credit card. Which one would be a wiser idea for a 18 YO college student to apply for and use for small purchases (I was thinking of just using it to buy gas or occasional groceries)?

    For reference, here is the student card:
    here is the secured CD card:

    I should note I have no credit, and haven’t applied to either yet.
    Thanks for the detailed answers, all! Going to go for the secured card, and use it through community college then advance to an unsecured card!

  92. Kellee May 20, 2014 at 12:36 am Reply

    Wheres a good place to get a credit card if you have no credit and no credit score ??ANY SITES??? Or do you know another way to build up your credit

  93. Felton May 26, 2014 at 5:17 am Reply

    i had a thought of credit, but im unsure if a debit card is a credit card. i used my debit card ( when i had a job ) to withdraw money from my account. i had left $18.34 i wanted to take out $10.00 dollars for a purchas without taking my card with me. but when it asked how much withdraw it only went up to $20 dollar withdraw. so i withdrew 20 and owed my bank 2 dollars. that ended up going up within a few months. my question is does that count as credit? if so i didnt know and i do have a bad credit score…lol thanks and no rude comments please, it was my first time having plastic and didnt have a clue how to use it. i got it cause a friend told me it better to lose plastic than to lose all ur money ( bills ) if i got jumped..

  94. Darwin June 11, 2014 at 6:59 pm Reply

    I have been having problems paying my credit card – the credit card company offered me a lower settlement to clear the entire amount. Does doing this hurt my credit rating and score?

  95. Noe June 21, 2014 at 12:08 pm Reply

    Can I get a credit card although I have bad credit?
    Which credit cad?
    which bank?
    How much would be the highest spending limit be?
    I have only had ONE credit card before,(don’t owe much on it),
    but I have a broken lease,that may have been the reason to the low/bad credit.
    What is my options/chances?
    Could I also apply for any of them online.
    I want a decent card,NO scam!

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