Chelsea R. asked:


I want to get a credit card, but I want the credit limit to not exceed 200 dollars. (im new to this whole credit card thing lol). Any suggestions?

JNate asked:


I own a small business which often takes credit card numbers over the phone as a deposit. We recently had a customer no show, and she contested through her credit card company when we charged her (she claims it wasn’t explained when she gave us her #). The credit card company took her side and said it is policy to allow anyone contesting to get their money back if there is no signature. How can this be? So many hotels and services take card #’s as deposits!

chad h asked:


I have a few items on my credit report that show “scheduled to continue on record until June 2009. If I dispute these items now could those accounts be extended and remain on credit report past date originally said?

cracker asked:


(inspired by Donna W)

Have you suffered from “identity theft” of any kind? I myself recntly discovered from a credit reference agency that someone had a few years earlier taken out a £3,000 loan and put it down to me. I myself take all computer security seriously so it seems to me that the lenders are the people who are not taking security seriously by allowing such things to happen.

Marybella asked:


I know someone that is lending out there social security out. This person is not working, but when it comes out to the tax return refund, she gets all the money.

Can somebody provide with a number, I can report this fraud.

ri asked:


I am working on fixing current credit woes and I want to know if getting a second credit file is feasible, worth it, etc……
Ok let me post more details because I see that there is confusion regarding my question…….I mean a second credit profile, the companies that offer a unique 9 digit number that you are able to use instead of ss for credit purposes. They say its legal and I wanted feedback from people familiar with this process

seane.beard asked:


I have just paid off one credit card and a substantial amount on another credit card. If I were to apply for a loan with someone and they were to check my credit report, how long after the time that I have paid off my credit card, can I expect it to show on my credit report, so that they people checking my credit report, would see the current balance of my CC’s?

luv2bake66 asked:


Anyone knows how I can obtain a business loan with a credit score >600? I’d like to open a small bakery/cafe. Also I need help writing a business plan. I heard of a program for Women and Minorities, does this really work? Anyone knows exactly what’s needed to obtain a loan?

candiceinks asked:


I am an authorized user on 3 major credit cards. I have one individual department store account and one individual student loan account. Should I remove myself as authorized user from 2 of the most recent accounts and get a major credit card individual account? Would that help/hurt my credit?

Dion E asked:


I just purchased a car and I would like to know how often does the lenders report to the credit bureau and how much will that raise my score