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Question by kevin p: credit report?
why on my 3in1 credit report i have 3 different credit scores. they average to 635 but they are so different. does anyone know what that means. how will that effect me bying or leasing a truck. thanks for your help.

Best answer:

Answer by gomanyes562
There are 3 different credit bureaus (experian, trans union and equifax) that each have a different formula for calculating the score. Most creditors will average them. They should be all roughly similar.

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Question by coll c: Financial aid?
I was wondering about how much financial aid am I eligible for.

I want to get in to a good school (Emory). The tuition there is about, 35000/year, and since i live in driving distance i dont have to worry about room and board.

I am of Asian descent. My parents (married) have a combined income of 40,000/year and there are 6 people in my household. I will be the only one attending college of my siblings, and be the first in my family to attend. My parents have paid off the hous, valued at 250K.

I am a senior and have gotten all A’s in highschool (4.0 GPA). I am taking 2 AP classes (English 4, and Euro. History) 2 Honors (Trig. and physics), and 2 regular (Human Anatomy, and Intro. to Engineering).

I have not taken the SAT/ACT, but plan to next month. From my PSAT, I expect my scores to e about:
Math: 750
Reading: 680
Writing: 650

So of the 35,000$ tuition, how much do you think financial aid might cover?

Best answer:

Answer by JRome1
Well lets just say that your EFC (estimated family contribution) will be 0, which it may not be…your FAFSA will determine that. Max Pell for the 07/08 award year is $ 4310 and if you are going to be a 1st year student then your base loan will be $ 3500 and since your a going to be dependent it looks like, your parents will need to apply for the Parent plus loan….if they don’t want one…make them ask for a ridiculous amount, as plus loans are based on credit. If they get denied then YOU will have the option to borrow and additional $ 4000, independent students can borrow this without having to have parents info, cause they are independent.

So with everything above as it is, you could potentially receive $ 11,810. Now the school may choose to offer you some campus based funds, your state may offer some grants, you may be eligible for scholarships, etc. It all depends, but you should be eligible for the amount above, assuming you fit the criteria I used .

I hope this helps in your college choices.

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Question by mandy a: credit repair?
Is it legal to help people fix their credit?

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Question by : Do credit repair services work? Which is the best agency to go through?
I have paid for alllllll of my old collection accounts and I’m just waiting for them to drop off of my credit reports. I’ve been looking into credit repair service on line and wondering if they can actually help. All of the items on my reports are actually MINE and I did actually owe them, but they are all FINALLY paid off. Is there any hope to get them removed quickly?

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Question by teaster: Credit help?
okay, I used to be in debt with some credit card companies, but all of them are paid and I’ve been debt free for about two years now. I’m trying to rebuild my credit, but no one will give me a credit card. I’m in no need for a house or new car, so I’m not goin those routes. I have student loans that I’m abou tot have to start paying back….will this help my credit? (I know that paying them back will, duh, and I intent to do so…but will just having a loan that I’m paying on look good?) Also, I attempted to get a credit card and was turned down for these reasons:
-DELINQUENCY ADVERSE PUBLIC RECORD OR COLLECTION
-LACK OF REVOLVING ACCOUNT INFORMATION
-TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED

My credit report says that the delinquencies could be on my record for up to four more years…is there any way to speed that process up?? I mean, I realized I screwed up in the past, and while I’m not looking to purchase a new car or house now, I want to be able to eventually.

Best answer:

Answer by annazzz1966
Time heals most bad credit on your report. It will stay on your credit report for about 8 years. If you paid it off in four, then you have four more to go. Pay off your student loans in four years and you’ll be in good shape.

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Question by Laughing with you not at you: credit report?
Does anyone know of a site where I can get my credit report or credit score for free without having to have a credit card? Free credit report.com wants a credit card number and I don’t have one.

Best answer:

Answer by daihatsu man
If you don’t have a credit card then your score is considered unreliable. You need a credit card to have good credit.

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Question by mary405@sbcglobal.net: Credit Card?
I have a credit card debt. It’s in the hands of their lawyers. i live on Social security and a small retirement. Can the court take that from me. If i get a summons to go to court, do i have to go. I owe 5000.00 on a credit card. My income is 800.00. Would they take that?

Best answer:

Answer by copita
Try filing for bankrupcy and end it. Or, try to get a deal with the lawyers and pay, lets say $ 50 a month or so.

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Question by T0ah S: Credit card?
i have a credit card from a bank. only a credit card no accounts. it is about to expire. but i still want to have a credit card for uses. is the bank suppose to send me papers to renew the card or is it suppose to renew by its self? can i transfer my credit limit to a new credit card? i dont want to end this one and go get a new card and have such a low limit.

http://creditcard.iblogger.org/credit-card-offers/credit-card-offers.php

thankyou

Best answer:

Answer by Dee M
They should send you a new card with a new expiration date automatically.

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Question by voodoo_moonbaby43968: Credit Help?
Ok, so I am 25 and have bad credit. What do you suggest I do to start rebuilding my credit. I’m not making excuses for my past actions, I was just stupid. I want to do whatever I can within my means to fix my mess. I don’t make much and I have a car payment, cell phone payment and car ins. payment I make every month. What are my options? Thanks everyone!
Ok, a few more details. I have some collections that I haven’t even thought about paying on until recently. Like I said, I was stupid. How do I go about taking care of my past debts before I get myself into new ones. Does anyone reccomend any of those debt consolidation or credit counseling services? If so, which ones?

Best answer:

Answer by Cimba00
Get a secured credit card. First Premiere is one. What it is, is a credit card that you put money on. For example, if you sign up for one, and put $ 250 on it, your credit limit is $ 250. Just use it for gas, and pay it off each time. That will build your credit up.

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Question by …….: Credit report?
I have a couple of negative items that are being removed from my credit report as of 4/08 does anyone know how i ensure that has been done without having to check my credit report a milion times?

Best answer:

Answer by Bill C
Whenever a credit bureau corrects information in your credit report, they will send you a copy of your credit report.

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