Best Online Credit Check

My car may be getting Repo’d. I’m curious though, as to which of the 3 major crediting companies is a repo reported to?

Most major lenders report to all 3.

And just so you will know even if your doe’s not report to all 3 believe me they will after the repossession. I see this all the time.

Auto finance is what I do for a living and whatever you do, do not let the vehicle go back, the lender will sell it at auction for far less then it’s worth and come after you for the balance plus all fee’s for towing, storage, reconditioning, auction, interest, lawyers and anything else they can think of.

This will amount to several thousand dollars and they can take you to court, get a judgment and at that point they can attach bank accounts, garnish wages (if your State allows it) and file liens on any other property you may own like cars, boats, land and homes.

All of this will show on your credit for the next 7-years making it very hard to get any other types of loans without making massive down payments, paying huge fee’s and State maximum interest rates.

If it really comes down to it you would be better off selling the vehicle and taking out a small personal loan for the balance this way you could lower your payments and save your credit.

Good luck.

I put in money on my credit card but when i checked it online, it would have been 15 dollars over my limit before it went through. My payment wasn’t due however, I usually put in money twice a month. Plus, I have a gym that takes money off of my credit card every 2 weeks. They phoned me today and said the bank sent back the payment. I said my credit was maxed out for a day and they must have tried to put it through for that short period it was maxed out. So now I ask you… how much did this hurt my credit rating?
Dood… i’m a student so my max is only 1000… lol. so yes, my credit rating is my concern, thanks!

Hello, its rotten when that happens. But don’t worry, with the major banks you normally need to be behind on your credit card payments for at least a year before they consider putting a default listing on your credit report. Plus they always send you plenty of notices in the mail before they do this.

If you apply for a loan such as a personal or home loan, then this could affect the likelihood of being approved for it, as they check conduct on existing accounts usually for between 3 - 6 mths, however there’s unlikely to be anything permanent on your credit history.

Lets face it, most of us get hit with unexpected payments and overdrawings on our accounts occasionally, and most banks understand this and don’t see a one off as a big issue. Just make sure you focus on meeting your payments and staying below the limit from now on.

Can I suggest paying your direct debits manually yourself rather than through direct debits? This gives you more control and means you’re less likely to get hit with dishonours.

Bad credit-maxed them out for college but paying them off.

No job-I will be working within three weeks

No money yet-meaning I need money not the other way around I talked to many and I see there view to protect themselves ifI don’t pay but I need money they could even take it out of the loan. And I don’t care about how high the rates are.

Why I need it-Am 19 and sadly my mom is abusive to me…yells..even kicked my room door off and dared me to say anything about my loose 15 year old sister and I am tired of crying everyday I had enough so I need it for a cheap place and school. I can’t even date!

I don’t mind giving out any information about me even my picture! They could even see me in person if they want am not going to steal loan money am not that type of person who gets helpped and doesn’t pay back.

If any you can also e-mail me at:

schoolgirl2021@aol.com

Thanks.

Hi.
This is a well recommended site for loans and credit repair :
http://qurl.com/ksh9f

hey guys

today i checked my FICO credit scores (from transunion) provided free by my providian credit card and saw it is down from 745 last month to 725 this month. i didnt do any hard credit request last month, although i took a carloan in may and paid it off in august ! then how come its down by 20 points? is it possible to enquire about a change in FICO score? if yes, how to do that? plis inform.

Your score is a numeric representation of your credit report. If you had any changes in your credit report it will be reflected in your score. Your report is maintained by Transunion but the score is calculated by Fair Issac company. These companies are completely independent and are not responsible for each other information. The only thing you can do is to request your credit report from Transunion (your own credit pulls have no affect on your score) and review it for any new negative items. Though taking into consideration the fact that your score is 725 i can assure you that you will not find anything clearly negative.
You short-lived auto loan could easily cost you 20 points since opening and closing a new account is a slightly negative event (credit-score-wise). One of your balances could increase and that could have a negative effect also.

Capital One sent me a letter saying that they are closing a credit card account that I never had. Is this a sign of Identity Theft?

It’s possible identity theft, but also (and more likely) a possible clerical error somewhere. I’d give them a call to find out what’s up.

While I don’t discount the reality of identity theft and I know it does happen, you have to understand the "severity" has been created by credit reporting and monitoring agencies as a ploy to get you to buy their products and make them more money. The reality is that when someone sees activity that may be identity theft, it’s far more often and likely to be a clerical error.

I’m trying to get an apartment and I don’t have good credit.
When a real estate co runs a credit check, are they able to see a full breakdown of my debt or does it just show a credit score?

They look at the whole thing. I personally ignore the score and just check to see if they pay their bills, if they force people into collections, and if they were ever evicted.

I am usually OK with anything over 680 for a score, anything lower is a red flag that they are dishonest.

https://www.annualcreditreport.com/cra/index.jsp

I have used it and I get my score every year.

Hope this helps!!

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