I don't receive paper statements, I just use online banking, and I don't see the interest rate online. Without calling them, is there anyway I could find out?
If you can't check online, turn the card over and call the number on the back for customer service. Ask them.
You are entitled to your credit reports once a year. You must purchase your credit score at a premium (~$15/ score, per bureau). Creditors most often use a score to determine what "tier" and interest rate you qualify for. Your score is based on information the bureaus collect you YOU. It is your personal information, and they make a profit from this information when a company runs a credit check. They also sell you your own personal information, as I said. This information can greatly hinder a persons quality of life. Do you think this information should be free before you apply for credit? Also, do you think that receiving a free credit report once per year is enough considering how often your report changes? You are entitled when you are declined credit. I do not believe the FCRA does enough to protect consumers. I believe there should be more done to keep the consumer informed as to what is on their credit file, including the score. This will allow people to establish better credit, which would be good for banks and consumers. What would you like to see done?
I understand the difference in FICO & FAKO scores, and that mortgage lenders look at DTIR. I'm refering to credit cards, installment loans.
Spiffman, That is the problem I am talking about. The credit bureaus do publish personal info. This publication could be considered slanderous, they are making public info that is NOT confirmed. Why should I pay to ensure someone is publishing accurate information on me, when this information could possibly be false and prevent me from obtaining a job or credit? The Fair Issiac company calculates a numerical value based on my information which may be false and prevent me from obtaining credit, another life hindering scenario.
Judy, I have a mortgage, and great credit. I found an error on my report. It sat there for 8 months until I pulled my yearly reports. Why should an error be allowed to stay there so long without my knowledge? It was removed, but it should not have been there in the first place and it should not have been there for 8 months. It is slander. If I published false information about you, and you were financially hurt by it would you seek compensation?
A person will go crazy if they continually check their report or rating because even in the same day the information can change and sometimes for an unknown reason. Then you start trying to figure out why a 50 point drop and it is just because you charged on a couple of cards and ran them over 30% of your limit.
It would be a pain in the hinny if people requested their report daily because it was "FREE".
The system is clogged up so badly with people who do blanket "this is not mines" that the system IS ineffective indeed.
ADDED again SOMEONE is talking out her ears. TRY GETTING A MOrTGAGE WITHOUT YOUR SCORE BEING A FACTOR. Where do you come up with this crap Judy?
because a growing number of illegal immigrants steal them to make themselves appear more legitimate. the government is doing a crappy job keeping up with internet crime and identity theft and it can take an individual literally years to erase the damage cause, maybe never. what should the punishment be?
that's so true, how about compensation?
absolutely, we have to be proactive. but i think that thumb swiping and retina scanning is 1984-ish. it's taking away our rights as a people to be secure in our person.
Join the Club! There Are Significant Ways to Fight Back! Send Your Bills by Certified Mail to Congress and Senate that Refuse to do anything but say Amnesty!
The Problem is that the Credit Companies and Banks Refuse to Police themselves and Pay No attention to Credit Freezes and Alerts on the real Person's Identity. TransUnion, Bank Of America, Chase, Capitol One, Providian, CitiBank and Washington Mutual ARE the Worst of them by the way. Some People have been incarcerated Because of the Identity Thieves Wrongfully or Threatened with it! They Clone Vehicles and obtain traffic tickets under Your information and guess who is paying the cost for No Insurance? Department of Motor Vehicles around the Nation needs to be put in Check as well! I refused to pay the fine Because I did Have Insurance and My car has been sitting without tags for over a year. Someone Also filed Bankrupcy on a 21/2 Million Dollar home in a State I never claimed residency in! The fight is On going too.
Whatever you do, Refuse to Pay any outstanding Debts that are Not Yours. Get You credit Report Immediately. If you see a Mis-spelling of your name, a different employer or address You have Never lived at, It is an indicator that You are a Victim of Identity Theft! If Your Email address has been breeched or stolen You are a victim of identity theft. Report it to FBI Internet.
You can Report it to Your Local Police, Federal Trade Commission and Download form 3949A from Internal Revenue Service for a Reward of 10% for whatever they find wrong. Also Report it to United States Postal Inspectors and Social security Administrationa and also Secret Service for Financial Fraud. Report it over and Over with each Occurence. Send by Certified Mail to Federal Trade and Enlarged Color photo, fingerprints and Handwritten letter telling them everyplace you have lived, worked or gone to school. Most times the Identity Theives are low level Employees sitting right in the Credit Bureas themselves. Maybe it is time for a Class Action Law Suit.
National Credit ociates of Illinois legally removes ALL negative and derogatory credit. Period…or we will pay you $10,000.
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Operational Effectiveness: Trim the fat, not the muscle from your organization.
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Bad credit credit cards can be quite helpful to those that have a poor credit history, or even no credit for that matter. Having good credit, and being able to purchase things by credit card, can both be extremely important issues.
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Directzilla customers are now able to checkout using PaybyCheck.
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http://www.emoneymarketing.com – How to get great quality score – the proof!
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) SMILE in Which credit reporting agency is be…