For UK people – which credit reports do you get?

For UK people – which credit reports do you get?

What about other countries? I think Canada you only get two – am I right? Long time ago I heard that countries like France, Portugal and Spain do not have credit reporting agencies like the US – is this still true? Creditors had to scramble around and call other banks to see if they have paid bills. That’s why they were not hit by the foreclosure mess – since loans were so hard to get? Any truth to my thinkings?

ANSWER: For Finance and credit solutions I always visit this website where you can find all the solutions. http://SMARTFINANCESOLUTIONS.NET/index.html?src=WP2ceirangdenoso

RELATED FAQS:
Someone else with the same name owes a bill. Can we be turned over to the credit bureau based on the name?
A collection agency has contacted us by phone and by mail several times about a debt owed to Dish Network by someone else with the same name. They are threatening to report us to the national credit bureaus. The debt is $179.65; they want us to pay $89.83. The bill was incurred about 9 years ago. We did not have an account with Dish Network at that time. We used DirecTV 9 years ago. We do have an account with Dish Network at this time, and have had it for about 4 or 5 years. Our payment history is excellent. They want us to pay a bill that is not ours. It is a different account number and a different service address, but the name is the same (and in the same town as we live in.) We have been married almost 38 years and have excellent credit. I am worried about this bill tarnishing our credit. I cannot remember if we were required to provide a social security number when we got an account with Dish Network. I don’t think we were. Can they turn us over to the national credit bureaus for a bill that is not ours because the name on the account is the same? Don’t they need more than a name to do this?"

Should I loan money to my mother in law and father in law to get their van fixed?
This situation is very complex. I and my wife live in the basement of her parents home. We pay rent. But this week, we have come up short. This is the first time this has ever happened. Business was a little bit slow last week due to the holidays. I have been married for a year now. We have loaned my father in law money before. They paid us back eventually. But we owe several people money. We owe my mother in law money, because my wife borrowed it before we got married. I do not want to lend nor borrow any more money again. When I was living with my own parents, it was dysfunction city. I had severe OCD (it is somewhat better now)- I controlled the household in terms of cleaning it and making irrational demands- my mother controlled me by taking all of my money. I have loaned my parents thousands of dollars, but they haven’t paid me back. My in laws have made poor financial decisions in the past. But they are also very generous towards us sometimes. Right on Christmas Eve, they paid $210 to have our Honda repaired. It was very nice of them. But we let them borrow the Honda all the time. They have put a few thousand miles on it this year alone. They often have bought gas for the car, but they hadn’t really paid for any wear and tear until this Christmas. My in laws have just one vehicle. The van is in the shop. It needs major work. It needs a new water pump, rear main seal, etc. It is going to run around 700-800 dollars, at least. I have a little bit of money saved up for a car for myself. Our Honda is actually the wife’s car. I do not have my own car. But I both want and need one. I am saving my money specifically for a Camaro. But the amount I now have saved is just barely enough to make a meager down payment on a new car. We could lend my in laws the money, but I would be very depressed if I had to do that. The little bit I have saved gives me hope, and gives me something to look forward to and hold on to. Is it selfish to want to keep it? Would God be angry with me if I lied to my in laws, and told them that we do not have the money? I hate lying. I always like helping people in need, especially loved ones. But I have wanted a car desperately for years. It is my dream. As far as I know, the only way to get a car honestly is to buy it or inherit it. I don’t have any rich relatives about to pass on. Am I a bad person? Should I loan them the money, even though it will cost me dearly? What would God recommend that I do in this situation?"

Repayment of loan from a business partner after April 5th?
Repayment of loan from a business partner after April 5th?

Can you become an avon representative again after falling as one in the past?
In the past I was an Avon representative but things went up in smoke and my account was canceled out. Here’s what happened: In the past I was selling Avon.I was earning sales awards and doing great in my Avon business.A few months ago, things went down hill.I ordered myself a bunch of stuff.At first, I had the money to pay for the stuff.But then I ran into some unexpected urgent expenses that I had to pay (mostly concerning my mother’s medical care) and then the bank that I had my bank account through lost all the rest of my money leaving me broke.So when it came time to pay the bill, I didn’t have enough money to pay Avon.I had the money from customers to pay the balance from their orders but not the money for my own stuff.I would’ve returned the stuff that I bought if I haven’t already opened and used it.And then my mother died and I fell into depression where I wasn’t selling Avon.I kept up with my other job but the Avon with it was too much for me. Recently, I got back on my feet and can pay off the balance.But when I went to log into my Avon account to pay them, I found that my account was no longer in existence.Am I forever terminated from Avon or is there any way at all I can return to selling Avon?Is it too late to give them their money and become a representative again?I really miss selling Avon."

Repayment of loan from a business partner after April 5th?
Repayment of loan from a business partner after April 5th?

Repayment of loan from a business partner after April 5th?
Repayment of loan from a business partner after April 5th?

Can i have tax exemption on personal loan or two wheeler loan?
Can i have tax exemption on personal loan or two wheeler loan?

Help me understand credit score?
im 24 years old and have never check my credit score. whats the best way/sites to check my credit score? its my senior year at my university, and up to this point i have paid for everything with my own money. i have a stable part time job thats brings me 20k a year and has help me pay for all my stuff including the 5k a semester for college. I am trying to improve my credit score since its seems im far behind. my gf has had credit cards paid in good standing and a house purchased already in her name before she was 22 ( her parents are paying for the house). my questions are…. 1) how do i check my credit score (best websites) and what is it that im looking for as far as number wise 2) ive read here in the Q&A’s, that the best way to improve credit score is to take out a credit card. whats the perferred company? 3) 2 years ago i had my insurance pay for a clinic bill, but months later recieved a bill from the health clinic for additional charges. i never got around paying for it since i was trying to fix the issue of my insurance paying the full. would that affect my credit score or show up in the report? -thanks for helping a lost guy"

"If you’ve filed bankruptcy, how soon can you get a divorce?"
I know they aren’t related, but strategy-wise: do you wait until the bankruptcy is final before you pursue a divorce?"

How can I get credit card statement (HSBC) online.?
How can I get credit card statement (HSBC) online.?

Life after bankruptcy?
hi guys, how soon do you think i can buy a new (slightly used) car after bankruptcy (foreclosure)? do they charge heavy insurance… like up to what percent? down payment etc. thanks…."

Repayment of loan from a business partner after April 5th?
Repayment of loan from a business partner after April 5th?

Repayment of loan from a business partner after April 5th?
Repayment of loan from a business partner after April 5th?

What does improved trade mean on my credit report?
What does improved trade mean on my credit report?

Mortgage rates and good deals ??
My mortage with my current provider is coming to an end so I though I should look around for better deals. Im looking for a fix rate mortgage for 10 years. Any ideas of who is offering what at this moment?? Many thanks !!!!

Do i have to pay customs duty on a online brought mobile from singapore to india ?
hi there , i wish to buy a mobile phone from aliexpress.com , and the seller is from singapore . and i am at kerala , India . if i buy that mobile phone , will i be charged with customs duty or something ? of extra charge ? and is aliexpress.com a good online store ? thanks in advance :)"

"I need a $4000 loan, I have bad credit and no help from anyone that is able to cosign can anyone help me?
I am a college student this year. and due to my grades last semester my financial aid was canceled. my mother can not cosign for me a loan because of credit history also. no one else in my family nor any friends will cosign for me a loan. I have tried loan after loan after loan after loan and keep getting the answer no. all i want to do is be in school and graduate to become a teacher. i do not know what to do in this situation and i need serious help.

What’s the best online payday loan?
What’s the best online payday loan?

Can you use 2 prepaid visa cards one 1 online order?
I have a $50 prepaid visa card and a $15 prepaid visa card and I want to buy something that is like $60 online

Does the Capital One credit card have an inactivity fee?
I got a better credit card but would like to hang onto my capital one card for emergencies. If I keep this card in my wallet will I get screwed for not using it?

"How much total interest would I have to pay on a $2,000 dollar loan at a 6.8 % interest rate?"
I recently recieved my financial aid package from the college I will be attending and received two loans, both of which I will have to pay back with interest. One is a $3,500 loan with a 4.5% interest rate, the other a $2,000 loan with a 6.8% interest rate. I want to find out how much interest (dollar amount) I will have to pay on each of the loans. Thank you!"

Would this method affect the interest rate on my credit card?
I have two credit cards. One has a higher interest rate than the other, plus I would just like to have the balance on the larger card combined on a single card to make larger payments on. I do not care about the credit score nonsense at this time, but still have a fairly decent credit score regardless. I’m aware of the transfer fee amounts. I’m aware that combining on a single card takes up the available credit and might temporarily look bad"" as far as utilization goes"

Thinking about filing for bankruptcy?
im in debt with some credit cards, banks,a car that was filed in court where the creditors were granted i also have medical bills i want to file for bankruptcy and get a fresh start i tried looking in my credit report but it doesn’t show past 7 years will i need to get those bills too ?what is the best way to file ? i live in Virginia please help"

"I am a private tutor from kolkata, India, I want a home loan but no bank is giving it, what shall I do?"
I am a private tutor from kolkata, India, I want a home loan but no bank is giving it, what shall I do?"

Where can I get a REAL credit score that’s not a scam?
I ran my credit score on free credit report.com and it gave me a 421, which I know is true. However, all of these bad marks came before I was even 18 from my parents. I’ve gotten them taken off of my Experian credit report, but as I’m told you have THREE credit scores, so maybe I have to get that stuff taken off of all three of them. Now, I’ve done a little research and the general consensus is that freecreditreport.com and freecreditscore.com seem to both be scams. Is there anywhere where I can ACTUALLY get my credit scores without being scammed out of a bunch of money??"
For UK people – which credit reports do you get?
What about other countries? I think Canada you only get two – am I right? Long time ago I heard that countries like France, Portugal and Spain do not have credit reporting agencies like the US – is this still true? Creditors had to scramble around and call other banks to see if they have paid bills. That’s why they were not hit by the foreclosure mess – since loans were so hard to get? Any truth to my thinkings?
ANSWER: For Finance and credit solutions I always visit this website where you can find all the solutions. http://SMARTFINANCESOLUTIONS.NET/index.html?src=WP2ceirangdenoso
Whats the best place to get a private sale car loan?
Thank you for the helpful and positive answers. A couple of days ago, I would’ve never considered a loan on a vehicle, but the car is in really damn good condition and he’s not asking for very much. I just don’t want to lose my chances at buying it because I know I won’t get another deal like this on one in this condition."

Why do banks ask for bill of sale from a dealer before they give the auto loan?
I am in need of a car and am planning on buying one asap. My bank is asking for bill of sale from the dealer and vin number before they give me the loan. How am I supposed to buy the car and get the bill of sale if i dont have the money i need from the loan? Do dealers usually allow me to purchase the car without me having me pay them? This is a used car by the way.

Cash Advance on Credit card & Bankruptcy?
Hello, I signed my bankruptcy documents yesterday but made a cash advance of $1400 2 days before to pay my lawyer. The only readon why I made the cash advance was because I had NO money to pay him but I have to file chapter 7. Will that be any issue when filing? Will that be against me? IF yes how can I explain this to the trustee? If he doesn’t agree with it what will happen? Will they ask me to pay all back or what? Please let me know"

Natwest student credit card cash advance?
Hi, I have a natwest student credit card, with a 500 credit limit, and on the website for the card it says Your Student Credit Card gives you access to 250 each day"

How do I check to see if there is a Credit Card in my name?
This may sound stupid, but I never payed a whole lot of attention to them, I decided about a year ago I don’t want one for awhile because I don’t want any dept to them at all. However, someone could get one in my name and me not even know about it. My mother did that to my brother, her cards are near max and she filled a mastercard out for my brother and was going to get it before he even knew she applied for one. However he got to the mailbox before and was shocked to see he had a credit card in there haha. Anyways, im just wandering, I don’t want her to get one in my name, use it like she intended to with my brother. And then I find out one day I have like 5,000 dollars in dept and my credit score is bad because she missed a payment or two. Is there any way I can find out online if I have anything in my name? Needless to say I don’t trust anyone in this house. Thanks"

Sears/CBSD appears on my credit report. What is it? How do I get rid of it?
I called Sears and they have no accounts for me. I have also done research online regarding this account, but all that comes up are some debt consolidating websites. Nothing looks legit. It hasnt effected my credit in a bad way, I just can’t think of what it might be. Anyone have similar experience. Help is appreciated. Thanks."

"I’ve been subpoenaed for $2000 credit card debt, what’s the recourse if I don’t go?"
About 12 years ago, I had 10 credit cards. Through various debt consolidation agencies and extra cash, I paid off most of them. 3 of them I left flapping in the wind because those particular companies kept tacking on exorbitant fees, and the balance rose to double and triple my original credit limit. I haven’t touched any of them since 2002. Of course I’ve received infrequent letters and so forth, but I don’t read them because I figure the statue of limitations is up (or close to being up)- although somehow I think they try to change it on my credit report to make my last contact date much closer to now than it actually is. Also, the credit cards were opened in NV, I last paid in MA, but now I live in CA. I don’t know where the SOL would be. Unfortunately, one of them has decided to subpoena me for an outstanding debt of $2000. It may not seem like a lot and I suppose some say I should just pay it, but I don’t want to reactivate it on my credit report and have a negative mark for another 7 years. Frankly, with our country in such a financial crisis, I do not want to give money to a bank that may or may not have put us in this mess. Incidentally, they didn’t actually serve the papers to me, but to a relative at my last address. No one signed for it or anything. Should I ignore it? Send it back as not at this address""? I don’t think after this long they have much recourse"

Who loves the freecreditreport.com commericals? ?
Who loves the freecreditreport.com commericals? ?

Whats happens after bankruptcy if you go broke again?
Ok my wifes parents are have just filed"" bankruptcy because they are irresponable and buy stuff for thereselves and pay bills if anything is left. Anyway I thought losing there house would wake them up.It has been 3 months now since they filed and they havent even got a court date yet let own went yet and they are even blowing more money now instead of saving anything.We have now came to realize they are not going to change My question is what happens if after they go to court and complete all this they rack up credit cards and debt again? I know they cant file bankruptcy again for like 7 years. So what happens if they cant pay again? Someone told me they go to jail"

http://answers.yahoo.com/question/index?qid=20120205230940AAJF89X
Can I cancel my auto loan contract?"""

Repayment of loan from a business partner after April 5th?
Repayment of loan from a business partner after April 5th?

A legit site for loans to those with poor credit?
A legit site for loans to people with no/poor credit. I know most lenders won’t provide personal loans to those with low credit. Even harder then auto/home loans because you don’t have anything into it that they can take. However I am OK with high interest as it will be quickly paid off. We are hoping for assistance with our wedding. No bankrupcy and no debt but poor credit score

Are there any private interest-fixed student loans?
Excuse my ignorance. But i have found that most private student loans have a variable rate with interests. Are there any that offer a fixed low-interest rate so i won’t have to consolidate after graduation? I have already used up all my finaid loans, so please stick to the question asked."

Repayment of loan from a business partner after April 5th?
Repayment of loan from a business partner after April 5th?

Repayment of loan from a business partner after April 5th?
Repayment of loan from a business partner after April 5th?

Can you negotiate a lower price when you payoff an auto loan?
I am aware that this can be done when buying out your lease, but what about when you are just paying off your loan? Oh, one more thing, we already have a pretty low interest rate; so refinancing isn’t really an option. Thanks!!"

Capital One over the limit-Now what?
I have a capital one cedit card with $500 max. I accidently went over the limit once or twice but I paid my card off. Question is I know there is no interest rate til april but since I went over the limit once within the first 3 months how bad did it screw up my credit card plan? Should I just cut the card and mail them the pieces since its paid off and I wont get screwed some how in the future by hidden White collar crime"" fees?"""

Auto Loan – expected APR?
me and my wife want to buy a used BMW 5 series for about $16k. I can put down about 7-13k cash, and want to finance the rest, the amount I finance depends on the APR. I am new to the US so have no credit at all, she has a FICO score of 650. We earn good money ($12k per month combined before tax) , have only student loans. What kind of APR should we expect to get, I would ideally like to repay the loan over 1 or 2 years. And can we refinance easily after 6 months, when our credit scores should be better? Thanks, T"

What’s the deal with equifax’s fake free credit report?
My husband went through equifax for the free"" credit report and had to agree to a 7 day ""trial"" $14.95/month product. We agreed and planned to cancel. Now that we are trying to cancel – we cannot find a place to cancer nor a live person to speak with. The only thing you can do is buy a product to get to talk to a person. Has anyone else experienced this? What did you do? Isn’t this illegal? Thanks.."""

24 year old mother needing to file for bankruptcy?
Things to understand: – My husband is in University Part time and works from 1pm-10pm each day including Saturdays. He cannot get a second job because he has to be in school/studying the rest of the time. He finishes in April for good. – I cannot do anything more about it. My MIL can watch our daughter some of the time but I cannot find any part time work. I have gone to agencies, applied online and in person. – I went to an agency to consolidte for 3 years and it costs $500 per month which I don’t have. Our rent is $1300 per month so after my husband’s debt payments, our rent and household/family billls we are left with about $200. That doesn’t cover my payments."

Question about auto loan/financing…?
My bank (U.S. Bank) rejected me for an auto loan because I don’t have a long enough credit history (I’ve only had my card since November of 2003). However, my credit score is 704. I have a dealership in mind that my family has been using for ten years, and they promote their financing program as being able to help almost anyone secure an auto loan despite credit problems. Anyone know if dealerships can get an auto loan easier than a bank? I do not want to have a co-signer."

The best online loans to apply for?
The best online loans to apply for?

Is there a way to re-apply for the Emerald Advance?
H&R Block gives out Emerald Advances every year. I went down there last year and was approved for a loan, and never had received one before. I made only 8,500. They said you had to make at least 10000 to receive it. I also was only expecting a refund of 4507 last year and received it. I went do to the office today to try and get the Emerald Advance. I made 9819 dollars this year and are expecting a refund of 4600. I was denied this year. They told me it was due to not meeting the projected income eligibility requirements. I called the bank, they told me the same thing that the lady at the office told me. I called the 1800 number for H&R block itself, and the Representative couldn’t tell me why I got denied. But I noticed a mistake I had made. I over looked a pay stub and gave the lady the wrong one, missing almost 500 dollars worth of income. Which would bring my grand total up to 10,290 dollars. I am curious as to if, I can re apply… and if this would better my chances. Because, after all they did say you had to make at least 10,000. But it wouldn’tt make sense as to why they would approve me last year with only 8500 dollars worth of income and then turn around and denied me this year with 9819. I dont know… I dont know if I can re-apply."

What would be the loan payments?
It’s an auto loan (60or72months), car cost $9,995, i would put a $500 down payment on it, and i have very little credit, if any. does anyone have an guesstimation"

What Movie Has A Guy That Steals Back Body Parts Like A Loan Shark? Johnathan Rhys Myers I Think?
It either came out in 2009 or 2010. I thought I saw a preview of the View one time and it was Johnathan Rhys Meyers or Myers talking about how people borrow stuff and when they don’t give it back they take their organs or something? I know it has something to do with people stealing organs. Please Please Please help me out!
For UK people – which credit reports do you get?
What about other countries? I think Canada you only get two – am I right? Long time ago I heard that countries like France, Portugal and Spain do not have credit reporting agencies like the US – is this still true? Creditors had to scramble around and call other banks to see if they have paid bills. That’s why they were not hit by the foreclosure mess – since loans were so hard to get? Any truth to my thinkings?
ANSWER: For Finance and credit solutions I always visit this website where you can find all the solutions. http://SMARTFINANCESOLUTIONS.NET/index.html?src=WP2ceirangdenoso