With the declining value of property, sellers are caught in the position of having to short sale on properties for which the sellers are not delinquent. How does a short sale in which a person has never been delinquent report?
Why is my credit bad? I paid every thing on time.
We are going to purchase a car and would like the car dealer and two banks to check for interest rates. How does that ding my score, or since it is for car loans does it only ding once, like when you look for a mortgage rate?
I am writing from an employee assistance program company. We help employees find answers and resources to deal with various personal problems. An employee from one of our client companies has the same name as his father. The son and father are having their credit information intermixed. How can they get this corrected, and is there anything they can do to help prevent this from happening in the future?
I have a credit report and a score of 785. So what? I haven’t been able to ascertain what the “grading scale” is. Any help?
I’m planning to ask my girlfriend to marry me. However, I just found out she has filed for both chapter 7 bankruptcy, in 2000, and chapter 13 bankruptcy, in 2008. I’ve been told this not good for our future and that it will affect my credit if we do get married. Any insight would be helpful.
I have a credit freeze. If someone tries to establish credit without my pin code, what is the exact response they get from you? Do you tell them that they can not establish new credit because the account is frozen?
I’m getting married next week and am wondering if I should take my husband’s last name. His credit is not quite good, while mine is very good. If I take his last name, what will happen to my credit history? Should I have a joint account with my husband? What is the best way for me to protect myself from having problems from changing my last name?
My daughter is in the process of looking for a new apartment and obtained a copy of her credit report. She found her credit is “fair.” She also found her roommate’s name, Social Security number, rental history and other information listed on the report. This was quite shocking to my daughter. She is very upset. They each signed a year’s lease which expired a few months, ago. They are now on a month-to-month basis. She knows her roommate is frequently delinquent on her bills. In particular, she knows this is true in regard to their monthly rent. My daughter pays her portion on time.
Why is my daughter’s roommate listed on my daughter’s credit report? What part of the roommate’s financial life, if any, comes into play on my daughter’s credit score? How long will the roommate’s financial history and habits reflect on my daughter’s report? How can my daughter become a single entity as far as her credit is concerned?
We have frozen our credit with you. We just received a letter from you saying that there has been a change in the name, Social Security number, or address in our credit report. Are we in any danger of identity theft since we have already frozen our credit? We don’t want to order another credit report, so is there a way to speak to someone to find out what the problem is?
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