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What's a credit card
UPDATE: I got my free yearly report, which is required by law to allow. https://www.annualcreditreport.com/cra/index.jsp
No SCORE though, which is basically what I need. friggin A.
UPDATE: I got my free yearly report, which is required by law to allow. https://www.annualcreditreport.com/cra/index.jsp
No SCORE though, which is basically what I need. friggin A.
You put your SSN online with your address, and people wonder why there's so much identy thief.
UPDATE: I got my free yearly report, which is required by law to allow. https://www.annualcreditreport.com/cra/index.jsp
No SCORE though, which is basically what I need. friggin A.
You put your SSN online with your address, and people wonder why there's so much identy thief.
If you knew a lick about PC Security, you wouldn't be such a fairy.
You put your SSN online with your address, and people wonder why there's so much identy thief.
If you knew a lick about PC Security, you wouldn't be such a fairy.
Tell it to the victims who thought like you do.
That requires cc #.
Any request should be in written form and mailed via certified return receipt through the local US Postal Service.......
......... Upon receipt of a request for debt validation, the debt collector has 30 days to provide the consumer with the information requested. Verification must include documentation from the original creditor, a printout of the account is not sufficient.
If the debt collector fails to provide this information they must discontinue collection efforts and are prohibited from reporting said debt to the credit report bureaus.
The only real way to get a free report is to request it directly from one of the big 3 reporting agencies.
You can get 1 per year or if you've been denied credit because of what's on the reporting agency's report, you have 30 days to request a copy of that agency's report.
A trick my mom taught me to clean it up a bit:
When you get your report you can write companies listed on it and ask for proof of the debt. If no response in 30 days, they must remove it from your report.
I used to do this to erase 2 or 3 a year. haven;t done it in a while.
I searched while I was replying and found this to better explain the process.
Proof of Debt and Debt Collectors: The First Step to Restore your Good Credit Rating
Any request should be in written form and mailed via certified return receipt through the local US Postal Service.......
......... Upon receipt of a request for debt validation, the debt collector has 30 days to provide the consumer with the information requested. Verification must include documentation from the original creditor, a printout of the account is not sufficient.
If the debt collector fails to provide this information they must discontinue collection efforts and are prohibited from reporting said debt to the credit report bureaus.
I did exactly that and spent 2 months going through dispute resolution before getting my cc credited back.
Just a word of caution
Why is it these companies are allowed to collect all your information and distribute it, but you can't see what they're doing?
We should have free access to their records on us at any time we want it.
Not to mention the underlying issue of these companies collecting your information in the first place...