Jan asked:


My credit card reports still show a bankruptsy after 11 years. Is there any way or time frame I am looking at where this can or will be removed? I have problem with high interest rates on cars and obtaining credit cards to help increase my score.

brighid asked:


I disputed a false claim on my credit report and won with Experian which hosts freecreditreport website so the false claims were taken off my report but do I need to notify other credit bureaus as well?? Do they have the same information taken off like Experian? HELP!!!

Katie asked:


How can I find a free credit report without having to use a credit card number. I don’t own a credit card. Is there any one that is FREE and doesn’t require a credit card.

riggz415 asked:


My brother has horrible credit.. And when I say horrible I mean horrible. He rented a barber shop and applied for a EIN number once he received it, he was able to get credit cards, by a car etc.. He uses the EIN number in lieu of his Social Security number.

Does this really work?

Be nice, or at least funny asked:


I payed a collection, and then realized it was bad for my credit and want it gone. i wrote the credit bureaus and had it validated, now what next?

nhrule asked:


I will pay the fees associated with canceling the contract.

steph e asked:


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

spyderette50 asked:


I used to live in state A, and someone in state B (a state I’ve never even visited) used my SSN to establish a telephone account then proceeded to run up a $1000 debt. It went unpaid and was sent of to at least 4 different collections agencies. Each credit reporting bureau is reporting some combination of this collections debt, but they all differ. I have filed an ID Theft affidavit, but am unable to file a police report in state A because the crime occurred in state B. I am unable to file a report in state B because police reports must be filed in person. I have included federal and state A tax forms from the time the ID theft occurred as proof that I was not living in state B at the time. I have disputed all occurrunces of the debt at all 3 credit agencies, some have removed one or more instances of the collections items, some have not. They have not all removed the same items. Is there any way to get all 3 bureaus to be consistent in their removal of items?

jcatguy asked:


How can I reach a live person (already have Fraud Alerts BUT:
1. Need to counter stolen ID info (change Mother’s Maiden Name)
2. Change last 4 digits on SS#
3. Give them my Cell Phone Number, so I’m not stuck at home wondering if someone is using my Personal ID (above) and using it to buy/get credit either online or at a store…w/a Cell phone at least if I’m not home (to verify) they can call my Cell phone…

These automated systems (online/telephone) give you ZERO options for the above situations. I mean, they got all my info….scary!
Any tips/ways to get to a live agent at any of the 3 reporting agencies….beware of dell.com everybody, and whatever you do, do not give (as they pass you from one dept. to next, your SS#, mother’s maiden name, your name/address/phone….it’s almost set up for an ID THEFT (particularly if you’re approved over telephone instantly and you haven’t rec’d your “paper” DELL ID# yet.
The investigator said orders were placed to be delivered at addresses across country, from DAY 1, yet, he’s overworked, one investigator w/45 cases and they cut his hours.
I need the FRAUD INFO “ASAP” or rather 2 weeks ago, and he still says, “another 2 weeks”, and police won’t take report w/out letter from Dell. No matter what the FTC and their REFERENCE NUMBER claims that it’ll break through the local police. Not at all.
Meanwhile, people can be using and destroying my credit (if not already) but as I type this!
Hence, this is why I need to speak w/live agent even though I alread put in the “3 credit alerts” and got 2 free reports (but w/no fico score).
HOW does a person speak to a living human being when they call either Transunion, Experian or Equifax? Please help me, if you can.
Thanks so much, J

Willy006 asked:


For those of you out there who have a Discover credit card…which credit bureau did they check? Transunion,Equifax, or Experian when running your credit?