jiju5r33

161 Contributions 258 People Helped Top Contributor

Member Since: August 2009

About Me: My first financial deal, sold “shame”!. NO whining y.. f...... s..... b....

My Website: http://www.irs.gov/wherwismyrefund

Most Helpful Contribution

How can I see all three credit scores?

Mar 23, 2012
Helpful to 172 out of 191 people

creditsesame.com for Experian score, You can only update it once a month 

credit.com for Transunion score, You can only update it once a month

quizzle.com for for Experian score, You can only update it once every 6 months.

kreditkeeper.com let you have 30day trial for all 3 scores,

havent found any free score site for Equifax yet

Activity (161 Total Contributions)

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How can I see all three credit scores?

Mar 23, 2012
Helpful to 172 out of 191 people

creditsesame.com for Experian score, You can only update it once a month 

credit.com for Transunion score, You can only update it once a month

quizzle.com for for Experian score, You can only update it once every 6 months.

kreditkeeper.com let you have 30day trial for all 3 scores,

havent found any free score site for Equifax yet

How do I dispute a claim against my credit report?

Mar 24, 2012
Helpful to 4 out of 4 people

here is how to dispute

ai.equifax.com/CreditInvestigation/

experian.com/disputes/main.html

transunion.com/personal-credit/credit-disputes/credit-disputes.page

how do i dispute things

Mar 24, 2012
Helpful to 4 out of 4 people

here is how

ai.equifax.com/CreditInvestigation/

experian.com/disputes/main.html

transunion.com/personal-credit/credit-disputes/credit-disputes.page 

Should I "freeze" my credit to prevent identity theft?

Mar 17, 2012
Helpful to 4 out of 4 people

good idea, its credit freez, it works like this,

you tell the credit reporting agency to freez it,

suppose you want to apply for a car loan, car dealer try to plull credit, agency will say sorry we wont give you.

you have get on the phone with credit reporting agency and approve to have the car dealer check your credit.

so croocks cannot get a credit card on your name.

all you need to do is contact in writing all three -Equifax, Transunion, Experian -and tell them to freez your credit. its free

How do I dispute a creditor claim on the big three credit centers

Mar 24, 2012
Helpful to 3 out of 3 people

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here is how to dispute

ai.equifax.com/CreditInvestigation/

experian.com/disputes/main.html

transunion.com/personal-credit/credit-disputes/credit-disputes.page

Open credit card on my account but I don't have one?

Mar 24, 2012
Helpful to 3 out of 3 people

.

here is how to dispute

ai.equifax.com/CreditInvestigation/

experian.com/disputes/main.html

transunion.com/personal-credit/credit-disputes/credit-disputes.page

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How to rebuild your credit through secured credit cards

Jan 22, 2010
Helpful to 3 out of 3 people

i am a new resident in United States 11/08, so first thing i did was getting a bank of America secure CC with 500 deposit(29$ Annual fee), in 9 months they converted it to a regular CC with 1K limit, but unfortunately i did apply for some stuff without realizing how it can effect my credit so now i have a score of 690 with 15 hard queries in my file :-( so get a secure CC and put your phone bill in it and setup auto pay from your bank account to pay your CC, in one year you will be well above 700 score

how long does it take for negative items to fall off your report?

Mar 24, 2012
Helpful to 7 out of 9 people

 Most information -good stay on your credit report for ten years and bad will stay on your credit report for seven years. However, some financial disasters (divorce, bankruptcy) can stay for as long as ten years. The silver lining to this is that, the older the negative information is, the less influence it has on the overall report.

How can I see all three credit scores?

Mar 23, 2012
Helpful to 19 out of 26 people

annual credit report gives you just credit report for free, you can get it free from any one of the 3 agencies if you are smart enough, please understand credit report and cred score are 2 DIFFRENT sides of a coin. Like head and tail. Like trunk and hood of your car

how do i challange negitive stuff on my credit

Mar 24, 2012
Helpful to 2 out of 2 people

Most information -good stay on your credit report for ten years and bad will stay on your credit report for seven years. However, some financial disasters (divorce, bankruptcy) can stay for as long as ten years.

The silver lining to this is that, the older the negative information is, the less influence it has on the overall report.

 but if you think you can dispute the info then  here is how to dispute

ai.equifax.com/CreditInvestigation/

experian.com/disputes/main.html

transunion.com/personal-credit/credit-disputes/credit-disputes.page

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