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is it discrimination, What does a credit report has to do with a Interview?

Bebee asked: I can see background checks, but your credit report??? Privacy Act! No laws on this? I think that is no ones business, Not applying for credit…… Like your ss#…government issue….Javier

Posted March 26th, 2011 in Credit | 7 Comments »

Why would my utility company request my credit report?

simone asked: I just checked my credit report online, and I see that Con Edison (my electric company) checked my credit report last year. Why would they do that? I did file for bankruptcy two years ago (for credit cards), but I’ve been paying consistently to Con Edison for 8 years. Why would they request [...]

Posted March 19th, 2011 in Credit | 3 Comments »

Invested with a business in the past that was a fraud, now its on credit report and I have a low score?

Becky asked: I invested with a company about 5 years ago turned out to be a scam, I didn’t make any money and owe them about 1300, since then I have lost my job and have no money to pay them, they are now reporting to the credit bureau which is making it hard to [...]

Posted March 15th, 2011 in Credit | 2 Comments »

What is a charge-off on a credit report?

smileylou asked: I bought a house with my then husband when we got divorced he took the house. We do not talk at all and have not talked since the divorce. I just check my report and it shows a charge-off and the account is closed. What happened did he F— me? What dose it [...]

Posted March 7th, 2011 in Credit | 2 Comments »

Problems with credit report, and what can be done?

whatup asked: My husband can’t check his credit report online because you have to answer them 4 questions at the begining. Such as me, I have a car loan in my name and have to answers questions about how much, who I financed through ect. ect. On his it asks about his morgage out. MY [...]

Posted March 2nd, 2011 in Credit | 5 Comments »

Is checking account info allowed to be reported on a credit report?

richma7175 asked: I had some fraudulant checking activity a few years back. It was posted to my credit report and I had it removed by disputing it was a checking account. The bank reported it again a year later and my disputes are now coming back as verified information. Is there another way to get [...]

Posted February 18th, 2011 in Credit | 5 Comments »

credit report freeze, what do i do ?

Heather asked: i went to check my credit report online. two of the three had a freeze on my report. what do i do now? how can i get the report to check what’s going on? can i go to my bank and ask for help? or where do i go for help? what does [...]

Posted February 16th, 2011 in Credit | 4 Comments »

Does having two different addresses/names affect the credit report?

Mikel asked: I have credit cards with two different banks, I checked my credit score before applying with the second one and was good. My legal name has two last names (I wasn’t born in the US), my first bank uses my complete name, first name and two last names as in my social security [...]

Posted February 8th, 2011 in Credit | 2 Comments »