are there any sites where i can get a FREE credit report and will it hurt my credit to even check it? Also, if i have submitted applications for pay day advance to about 6 diff lenders and even if one says not approved, does that hurt my credit even if ad says no credit checks?? please help!
2007-10-11 04:56:33 · 10 answers · asked by meagan m 1 in Business & Finance ➔ Credit
AnnualCreditReport.com is the site set up to access your free credit reports online from all three credit bureus. FreeCreditReport.com will give you a 30 day trial for their monitoring services then will start charging monthly fees. They don't make it easy to cancel.
Checking your own credit will not hurt your score. Credit inquiries when you fill out applications will ding your score. Multiple inquires in a short period can really hurt your score.
Payday loans don't bother to do credit checks because the pretty much have you over the barrel one way or another. Either you've signed a check or agreed to give them access to your bank account and/or you've agreed to allow wage garnishment.
If those payday loan places have turned you down, you should get on you knees and thank God. The absolute last thing you want is to get into that pit. The interest rate is in excess of 600%. You only get deeper and deeper. DO NOT take out one of these loans.
Find some other way to get the money you need. Have a garage sale, pawn something, sell blood, get a second job.
2007-10-11 06:57:00 · answer #1 · answered by bdancer222 7 · 0⤊ 0⤋
Yes, there is a free site to get all three credit reports (link below). This inquire for free credit report is not going to hurt your credit. But with 6 applications for Pay Day Advance to them to check your credit will hurt due to the number of the inquires (6 agencies), but if you do it all within 2 weeks periods that would be better. Start your budget and get your finance in shape. I think those pay day advance is not a good place to borrow money. Maybe once in a life time....Good luck!
2007-10-11 05:51:41 · answer #2 · answered by Anonymous · 0⤊ 0⤋
well credit score is an important to buy house and cars and other major things. The website I go on is www.creditreport.com usually if you got denied a credit card or any other loans you can get a credit report for free depending on the state you live in. However, when you do look up you credit report it does hurt your credit by 2 or 3 points less. but do not always look up your credit report unless denied credit of or a type of fraud on your credit. Some companies check for credit the ones that do not check usuallly have high interest rate such as if your buying a used car or getting a school loan? i hope i explained this well try the web site.
2007-10-11 05:07:01 · answer #3 · answered by Iman s 1 · 0⤊ 1⤋
If one says not approved, it will show up on your credit report. That does not necessarily reflect poorly, but you need to know your credit score so will find out why they said no. They should be able to offer you the company and address that they received your history from.
Equifax will give you a free report of your credit standing. If you use a bank, they may also get your credit report free of charge for you..
2007-10-11 05:03:43 · answer #4 · answered by cameoanimals 4 · 0⤊ 0⤋
https://www.annualcreditreport.com/cra/index.jsp
This is a good site to get all three of your annual credit reports free. You can also pay a small dollar amount to get your fico score as well.
As for the payday advance stores, if they say no credit checks, then the only way it will affect your credit is if you don't pay back the loan. They do not run checks against your credit unless they have to do a "Skip Trace" for non-payment. But even then, most of those places make you sign a wage garneshment agreement anyways. So they will get paid.
2007-10-11 05:03:01 · answer #5 · answered by Timeflo 4 · 0⤊ 0⤋
The sites that offer "free" credit checks force you to sign up for regular payments to a service that monitors your status and alerts you if certain negative things happen. It should have no affect whatever for you to just check. In fact, if you have been denied credit anywhere, they have to provide you a copy of the report they used to deny you that credit.
2007-10-11 05:01:46 · answer #6 · answered by Anonymous · 0⤊ 0⤋
since Sept 2006, everyone is entitled to a free annual credit report from each of the 3 bureaus and it won't hurt your score = dealing with payday lenders can definitely hurt your score - you have to get out of that cycle of madness now!
2007-10-11 06:25:58 · answer #7 · answered by Anonymous · 0⤊ 0⤋
if it says no credit check then most likely they don't do one but the more people that check your score the more it will go down it goes down two point when anyone check it except you.there really aren't any places you can go get it for "free" at free credit report.com you have to put in your account info they wont charge you at the beginning but after thirty or so days they will charge you and don't try putting in fake cause it wont go through i tried.i hoped this helped good luck on that
2007-10-11 05:05:07 · answer #8 · answered by latinostraberi 1 · 0⤊ 0⤋
www.freecreditreport.com
It will not hurt your credit to check it on this site. But if someone else checks your credit it does lower your credit score.
2007-10-11 05:05:13 · answer #9 · answered by Alliance Kicks Horde Butt 5 · 0⤊ 2⤋
they tell you, I think mine is like 30%
2007-10-11 05:00:06 · answer #10 · answered by Anonymous · 0⤊ 1⤋