If you have shit credit you're supposed to fill out a dispute form for everything negative on your credit reports. The company you dispute had 30 days to respond, if they don't, the big 3 automatically remove it from your credit report.
So if you have crappy credit, every 30-40 days, go fill out the dispute forms and eventually companies will quit responding and it clears your credit up.
Those adds that garuntee to fix your credit... that's all they do.
That's an awesome idea. I never thought about it. Does it cost money to dispute?
Doesn't cost to dispute, just costs whatever to pull your credit report from the 3 agencies... which can be done at www.creditreport.com or any other website. Just make sure wherever you're getting it from it pulls all 3.
Actually we are all entitled to a freebee every year.
https://www.annualcreditreport.com/cra/index.jsp
That doesn't compute your score though. I am very worried about identity theft as it has happened to a member of my family so I use a company to monitor my credit and I get a new report/score once a month.
I know this is foolish, but what ever happened to waiting till you had cash in hand to buy stuff? I mean, with an interest bearing checking account, you can actually end up ... nevermind. I know this won't catch fire here.
Its not just about the balance. I find it hard to believe that if you actually feel that a no interest loan doesn't mean anything that it will end at just one.
My 0-$100 recurring debt and 810+ credit score tell me I don't need to worry when it comes to those same as cash loans.
If you are doing so well why even use a same as cash loan?
If you are doing so well why even use a same as cash loan?
using credit is not a bad thing so long as you're educated, responsible, and you use it in moderation...heeeey, lookatthat. a rule which can apply to everything in your life!
I am aware of the definition of an IBA.
Dharma probably shouldn't be allowed in the finance club.
Then what don't you get? I get an interest free loan, while my real money sits in the bank to earn interest. Credit cards are not all bad...