Why do I have to enter a credit card number to get a free credit report?

Why do I have to enter a credit card number to get a free credit report?

I went to annualcreditreport.com and each of the three main credit bureau links ended in a request for a card number. I don’t have any cards. I don’t have an established residence that matches any address my creditors would have. I have tried for 2weeks to get a copy of my credit report… I keep hearing how important it is to know your credit score and I can’t even buy one over the phone! any suggestions?

Related :

I went to annualcreditreport.com and each of the three main credit bureau links ended in a request for a card number. I don’t have any cards. I don’t have an established residence that matches any address my creditors would have. I have tried for 2weeks to get a copy of my credit report… I keep hearing how important it is to know your credit score and I can’t even buy one over the phone! any suggestions?

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Do you need a licence to buy a car?
when you apply for an auto loan through credit union are you required to have a driver licence
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#repost

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Any FREE credit score places with EASY cancellations?
Ive done a number of the freebies with easy cancellations. Stuff like giftcards & such. Most with one big company, cant recall the name but they had gotten in trouble over it years ago and now are really good about actually cancelling when you call. Just never done it for a credit score. My CK score is 769 and quizzle, I dont recall if it had a number. Just did it again. It shows a 94 and A,A & B. and a score of 713"”
“”Getting a credit card, bad or good idea for your credit?””
I have good credit-but want it as high as I can get it!!! But I have barely anything at all on my report (1 item) … since i have ALWAYS paid everything cash (even all my cars). I thought about getting a store credit card, buying something I KNOW I can pay off EASILY & paying it off the next month. Would that help hike up my score? I thought if I can do the (interest free )for 12 months, etc) cards it may be a good idea… What do you think? Advice? * I was looking into a Sears card: Whats the difference between a Sears Card & Sears Mastercard? Will they both report to the credit bureaus?””
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If you’re earning about 45000 joint salary what’s the maximum mortgage you can get?
I’m confused as to how much banks will allow you to have.
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Harassment by ICICI Bank for repayment of employee loan?
I am an ex employee of ICICI Bank, as an employee benefit ICICI Bank provide loan upto 5 lac at 2% interest rate for which they deduct Rs. 5000/- as EMI from salary with a clause that if you leave before 3 years then you will be charged 20% interest rate. I have taken a load of 5 lac rupees in November 2007 for my sisters marriage which I have planned to pay while working with ICICI Bank but unfortunately after working there for 11 months they did a reference check(Rescission layoff) in which they found out that my previous employment duration was incorrect for which I have already written apology letter but they terminated me on August 2008 and asked me to immediately pay the entire amount remaining 4.64 lac along with 20 % interest charges. Since I was terminated and because of recession I remain unemployed for 1.5 yrs and failed to repay the loan amount. I got mentally & financially crashed, career and family life got ruined. I have even written mails to Head HR of ICICI Bank Mr Ram Kumar, requesting him to consider my financial condition and allow me to repay on EMI and waiver of interest amount but no one reverted to my mails. Six months back I got a job with a very meagre salary through which I am surviving my family. Now after almost 2 yrs they have given this matter to a recovery agent and that person is harassing me by threatening calls and visiting to my house to threaten me and my wife. They are even threatening me to inform my current employer where I am working as a fresher. I dont have any property to sell or any other mean to repay the amount. I have requested ICICI bank recovery dept. to consider my case and help me by settling the loan but they are rigid on their decision of full principal repayment along with interest for 2 years. I know I had done few mistakes and had suffered a lot because of them but please help me by suggesting any way out and what could be the consequences of not paying employee loan. Its a matter of life & death.””
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#repost

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Is it illegal to demand proof of income for an individual not on a auto loan?

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“”Can’t get a 60 month auto loan for $7000, why is this?””
I recently applied through my credit union for an auto loan to buy a used vehicle. They approved me for a 36 loan, and I was told that I can only get that, as my debt/income ratio was inadequate. When I tried to finance through the dealership, they told me that I also could only get a 36 month loan, because their bank would not finance a used, 70k mile car for longer than that. I’m 24, rent an apartment, and have fantastic credit. My credit union told me my credit score was 700+. I have one credit card with a balance less than $1000, an APR of 18%, a limit of $7600, and that is my only line of credit. I’ve never missed a payment, usually pay more than the minimum, and I have never missed a utility bill payment. I made $35k last year, so I’m not hurting for cash. I couldn’t afford the monthly payment of $200 a month that the 36 mo. loan would give me due to my other bills, but since they only asked my income, I doubt those other bills effected it much. A friend ventured the theory that it was my high interest, high balance credit card that stopped me from getting a 60 mo. loan. He theorized that because I could potentially add another $6000 in debt to my credit, and that it’s my only line of credit, that they wouldn’t approve me based on that. Others have suggested it’s because no bank would approve a 60 mo. loan on such a low amount of money. Which is true, and what can I do to reverse this, if anything?””
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#repost

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“”Where do I start to pay off my 20,000 debt?””
I have gathered all of my bills, I know what I owe and who I owe. I don’t have a lot of money. I live paycheck to paycheck but I want to start paying down some of this stuff and getting my credit back in shape. Where do I begin?””
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Credit report problem. pleaseee help.?
hi I recently tried to access a copy of my credit report online…because I was receiving calls about accounts that I knew nothing of. I am 21, I have never taken out anything in my name, I am currently unemployed, I have no credit cards, etc. So I thought that was very alarming. The only clue is my ((new)) stepfather had my social security card without my knowledge in a safe at his house. I GOT IT BACK as soon I found out, because I needed for my drivers license. Anyway..back to the report it was going well till I got to the security questions…REMIND YOU…I NEVER FILLED OUT ANY QUESTIONS, yet there was bizarre answers and things they asked that said ONLY I SHOULD KNOW because it is on my file. I dont know the answers because I never knew anything about them therefore I could not obtain my credit report…WHAT IS GOING ON????? Is that a clue about something?? Has my identity been compromised?””
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#repost

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Question about H&R Block paying back the emerald advance loan with refund?
since this year I wont be able to file until Jan 30. I was wondering if I dont get my refund by Feb. 15? which is the date they said I have to pay it all back Will they report me to the credit breau if they havent recieved it by then I am doing my taxes with them?
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How do I go about applying for a credit card when I have no credit established?
My name is Lester, and I would like to inquire on some feasible steps to applying for a credit card. My current age is 21, and will soon be a part time student/full time active duty service member (Navy, specifically). Presently, I have served 11 months in the military, and will continue to do so until I reach 4 years. I have never had a credit card, but have had a debit card for 5 consecutive years (having an approximate accumulation of 8 to 10 overdrafts). I have applied twice in the past, one of them being a normal credit card, and another for a student credit card for my year and a half being in college; both were rejected. I’m looking into applying again, but do not know where to begin. I make a decent salary for being in an entry rank, so I’m confident that paying off a credit card will not be a concern. I’m disciplined in financial expenditure and making payments on time. What I would like to know is, how do I apply for a credit card, without ever having credit? Does my owning of an ATM card or having a checkings account count as credit? Is there a bank that anyone can recommend? What are the steps to getting approved for a credit card? Please advise, your help is greatly appreciated. Thank you.””
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Does ally auto (lease) have a grace period (i.e. 10 days) for payments?
I have a lease with Ally Auto and was wondering if they have a grace period for auto payments? (i.e. 7 or 10 days)?? Thanks for a response!
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Want to finance a Harley Davidson.?
ok i am new to this buying a Harley motorcycle. i never owned one before and im interested in buying something maybe new. i will not go into my local Harley shop as they are pricks. i have 2 questions. is it true you have to wait in line to buy a new Harley like all the ones you see on a dealership floor are spoken for? how simple is it do finance a bike? i heard Harley goes through a company called Eagle finance?
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Where can I get a completely free credit report online without a credit card or bank account?

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What happens after you file a chapter 7 Bankruptcy?

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“”We have tried to get loans, what do I do?
As I stated in my last question. We are in need of financial assistance with our regular bills because of some job issues that we have had with the last employer. He messed us over big time and now we have payday loans and utility bills and other debts that need to be paid and now we have been trying to get a personal loan or other assistance and havent yet succeeded. Can anyone help us?
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A debt collection agency is threatening to take me to court if I don’t pay up $250 by today what can I do?
I don’t get paid untill tomorrow and they’re telling me that my account with a Payday loan went into default and they got the debt sold to them and they’re threatening to take me to court the same company called me a while back and told me the debt I owed was $800 and now they say its $750 and if I dn’t pay them $250.00 so they can hold the matter and not sign off on my document to take to court then they will take me to court for around $3,000 after interest. I don’t get paid untill tomorrow and they don;t care about nun of that they want the money today of they will take me to court what can I do? I tried calling legal advice places and most of them are closed today what can I do??????????””
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What is the best credit card to start out with to earn credit?
i am 17 going on 18 in june and need to start collecting some credit which is best for me?
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Is there a way to get just one copy of my credit report?
I already used annualcreditreport.com a few months ago. I just want to view my credit report once for a one time fee, but all the services I can find are either scams or want to to pay per month.””
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“”I just found out someone got a mortgage loan under my name, what do I do now?””
I’m sorry I may have been unclear, the first questions said something like, which mortgage company do you have a loan with opened in such and such date”””” to which i answered none of the above. The second question was “”””how much do you pay for mortgage”””” I also answered none of the above. The other questions were basic like where was my card issued and what is my state of residence etc. So I know I didn’t get those wrong but when I clicked “”””apply”””” they said that they could not process the app. because my answers did not match my report.””””””
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Four factor that can facilitate high birth rate?

“Why do I have to enter a credit card number to get a free credit report?

I went to annualcreditreport.com and each of the three main credit bureau links ended in a request for a card number. I don’t have any cards. I don’t have an established residence that matches any address my creditors would have. I have tried for 2weeks to get a copy of my credit report… I keep hearing how important it is to know your credit score and I can’t even buy one over the phone! any suggestions?

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“”How big a mortgage can I get if my salary is $110,000?
?
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Whats the process of auto loan settlement?
I have been behind on my auto payments and have negotiated a settlement with my finance company to pay a lump sum for the title on the vehicle. If my settlement proposal is accepted, what steps do I need to take to: 1. Make sure that the lump sum paid to settle the loan will not just be applied to back balance due on the vehicle. 2. What contract if any can I come up with to protect myself from any further responsibility on the loan.””
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#repost

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Is it usually easier to get approved for an auto loan at your credit union?
Do they generally just go by your fico scores? What else may they look at to determine if you get approved?
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Can I refinance my auto loan?
I have a 2002 acura with 98k on it. I want to refinance my auto loan. I owe 11k on it and I have a 72 month term at 8%. I want a 60 month term at the same rate. Who will allow me to do this?
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#repost

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Is this payday loan company going to sue me?
Has anyone ever dealt with AIS Services LLC? I kept getting automated voice mail messages from them so I decided to call back and find out what they were calling about. I was told they were trying to collect on a payday loan (I can’t remember the name) from 2007. At first they were really nice with me but when I was transferred to my case representative”””” she began calling me a liar and yelling at me and being very rude. I asked her why she felt that she had to be mean and nasty with me when I was being nothing but nice to her and trying to deal with the situation. She said that she deals with “”””people like me”””” all the time and she’s heard all the stories. I told her that I did not recognize the name of the payday loan company””
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Can u have a credit score without a credit card?
yea i have no bills and have no loans yet
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Is there a website where a Canadian can get a free credit report?

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“”Refinancing a really bad auto loan, Credit Union Recommendations?
i have an auto loan that I got from Capital one right after Ch 7 discharge for 21k at 25% apr $557. I paid for it for 7 months and then had it refinanced through wells fargo for 20% apr $505 a month. Obviously this is ridiculous to pay for a car and since im well past my discharge can I refinance again? Someone told me I should look at credit unions and Im wondering if someone can recommend a credit union i can check out online to maybe get my apr to a reasonable rate
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Does any payday loans work with meta bank?

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How much money down to buy a brand new car with bad credit?
Terrbile credit ~ 520 score. I am sick of buying used cars, the last car I bought it is just one thing after another that I have to fix, for all the money I spent I could have just bought a new car with a warranty. So, any people out there that work in car lending? How much down do you require for a 20,000 car with bad credit? Ball park? Ty!””
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Should I tell my family I’m a millionaire?
I’m an online marketer, and I make money through affiliate commissions. The money comes in on auto pilot and yesterday morning my account finally reached a little bit over a million dollars.. I work very hard, and I have no social life and no friends and never created a real conversation with my family. However, I do love my family but nobody helped me to become who I am today; I can finally label myself as a self made millionaire. I moved out of my parents house last month and told them that if they needed anything let me know. My parents still live in the same house since they gave birth to me, and I pay for their rent, bills, cell phone etc.. My brother’s and sister’s still live with their parents, but I will only help them if they ask. I take them out to eat and give them what they asked for. What they don’t know is I’m a millionaire, and I don’t want to tell them I’m worth 7 figures because I could be taken advantage of. Next month, I’m flying them out to Thailand so they can get to see their long lost Mamas and papa, grandmas and grandpas. It’s going to be a great journey, but I will remain humble. My next move is to recover all the years I wasted.. I wasted about 10 to 15 years and didn’t have a social life in high school and in college. It’s been a very tough and quiet life. My next move is the search for a mate and hopefully she’ll love me for who I am. David K””
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If i have personal loans can if i roll it into a new home loan will it increase borrowing power?
I have a car loan and a personal loan totaling about 23k. If i put this into the home loan do they still count it a debt or not
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#repost

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I filled bankruptcy on payday loans can they get me for fraud?

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Do you think i can get an auto loan?Im 19?
ok so i want to buy a 1987 monte carlo ss that cost like 7 grand and i have absolutely no credit at all. i have a job and make about 1000 a month and i also go to college and i also have around 1500 and i can get an extra 500 for a downpayment of around 2000. do you think i can get the loan and is their any first time buyers at any loan bank or union. Thank you in advance for your help. any idea of how much i would be paying is greatly appreciated
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Can i cancel a credit card even if i owe money on it?

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“”I am in desperate need of a personal loan not a payday loan, to pay my bills?””
I had to change bank account number to another because they were ACH W/D that did not come from me,so they took all my money. I got a new account and closed the other, that didn’t solve my problem because I am broke and not money to pay my most important bills, like my electricy,water and other payments. Does anyone have any answers to my problem. PLEASE HELP-IRENE””
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Im looking to getting an auto loan and would like ur advice about getting approved?
Im wondering about getting an auto loan for a car that cost around $20,000. I will be putting a $5000 down payment. My credit score is 691. Tho, Ive only had a credit card for about a year and a half and a best buy card for about 6 months. My credit card was maxed out for the first year. Tho, I did get a $500 increase after a year to $1500. The past 6 months, on my credit card, i have paid my balance down to $0.00. My best buy Credit Card is $700 from when I bought a tv. I have been paying it off every month on time with about $50 a month payment with no other purchases on it. Almost have it all the way paid off. I will be getting about 2500 (before taxes) a month from the Air Force for work. Also, I have no late or missed payments at all! Now, Im wondering how hard it would to get a auto loan for $20,000 with a down payment of $5000. Looking at something like a mini cooper. Not sure. Also, let me know if you have any recomendations to increase my chances to getting the loan or increaseing my credit. Thank you!!””
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Have you ever tried this online cosigner finder website? does it really work?!?
@ **Hey! You asked!** : well, computer science is not one piece! Programmers jobs are down thats true…but thats not my area… Computer Network, Systems, and Database Administrators are jobs that hard to be hired oversea … you need someone in the office to deal with the system needs I have a hunch that your husband is a programmer, tell me if I am wrong!””
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How can I get a FREE Carfax report on a car I already own?
I just wanna know what’s going on because it’s acting stupid.
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How to Get a Free Credit Report?
hi, Can somebody tell me is it possible to get a free credit report and scores?is there are website for that? I also need credit monitoring program.Please suggest me something.Thank you in advance.””
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How long does Amscot wait till they cash your check if youre late on paying back a cash advance?
I took out a cash advance and I am supposed to pay it back the 23rd of this month. After actually realizing the 23rd is a wednesday, they still have my OLD job in their system. I won’t actually get paid till the 31st. If they cash the check I wrote them.. I’m screwed! What would you do?? I surely don’t have the money for it and no one to even think of borrowing it from!””
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#repost

“Why do I have to enter a credit card number to get a free credit report?

I went to annualcreditreport.com and each of the three main credit bureau links ended in a request for a card number. I don’t have any cards. I don’t have an established residence that matches any address my creditors would have. I have tried for 2weeks to get a copy of my credit report… I keep hearing how important it is to know your credit score and I can’t even buy one over the phone! any suggestions?

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#repost

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Credit report question?
i need an actual free credit report that doesnt require credit card information… please help, very important!!!””
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Auto loan with poor credit?
I live in Houston, Texas and I wanted to find out houw to get an auto loan. I would like to purchase a vechicle that the owner wants $3500 for. Due to my poor credit, I can’t get a loan from my own bank. Does somebody out there know of a campny, organization, loan company, etc for people for poor credit?””
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Could you pay 500 dollars to fix your credit?
I’m having a little debate here with my father-in-law who is a little cooky and believes he can pay a lawyer 500 dollars and the lawyer will be able to raise his credit score from 500 to 710. I’m tellin him not to get involved because it is most likely a rip off or some sort of fraud that he REALLY does not want to get mixed up in. Could anyone tell me if what he is saying is possible and if so, why EVERYONE isnt doing this? Thanks!””
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I need a 1500.00 loan and the only bank account I have is a prepaid account through PayPower.?
My credit is poor and the payday loan places want a checking account. My debit card gives me a routing number and account number to use as a checking account, but there are too many numbers and all of my requests are declined. Any suggestions?””
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How to write a letter to the bank asking for my home loan paid details with interest for income tax purpose?

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Where do I get a free credit report?

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List some advantages and disadvantages of bankruptcy?

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How do I use my Wells Fargo College Credit Card?
So I recently received a College Credit Card and I am not sure how to use it. Do I use it the same way I use my debt card? Such as swipe the card enter pin and done? I don’t have a pin with my credit card though. Also, can I immediately pay off my credit card online with wells fargo online bill pay? Since I have a credit limit of 600 a month, can I spend like 200 dollars on a Monday, and pay it all off the by end of the week BEFORE a bill is due? If I can immediately pay for it, does my limit reset?””
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I need a 40 to 50 thousand dollar loan where can i get it?
The downfall is I have no credit history I am only 18 and i own nothing expensive… So where do you think i can get a big loan i dont care if it will be a million year contract and the interest rate is like 30% i just need it..
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Alternative student loans. Parents declared bankruptcy and can’t cosign. Help?
Well ladies and gentlemen, I’m spending my freshman year of college commuting to a local university at a reasonable cost. Between grants and loans, I’m covered by government financial aid. But after this year I’d really like to transfer somewhere else, and I will probably need to take out a few thousand dollars a year in alternative loans. The problem is, my parents declared bankruptcy this year so not only are they ineligible to take out PLUS loans, they’ve gotten rid of all their credit cards so they’re not even building their credit back up. SO. What are my options? I’m definitely going to look for more scholarships. Are there student loans with no cosigner required? Are there student loans that would approve a cosigner with abysmal credit? Is there a way I could build my credit enough to apply for a loan myself? (doubtful) All ideas are appreciated! I have a year to figure this out, but I’m trying to plan ahead.””
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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.””
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Are there lawyers that take monthly payments?
im in california stockton i want to file bankruptcy are there lawyers that do it for you and let you pay monthly fot there fee
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“”How much money do I need to make to qualify for a $300,000 home loan?””
I’m looking into buying my first home, and am trying to figure out how much I need to show that I make to qualify for around a $300,000 home loan. My credit scores range from 710–720, I have one car paid off already, am now making payments on my new car, all the payments are on time (or early). I have one credit card that is always paid off on time. 80% of all my income comes from tips, so I need to figure out how much of my tips I need to put in the bank everyday to show that I am making enough money or if I need to pick up some more shifts at work to afford it. I’m most likely going to be putting between $10–15 grand down for down payment. Any help/advice would be great! Thanks.””
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How do you obtain a credit report without holding an active credit card?

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Will bamboo kill gold fish?
I have a small bambo plant that sits in a jar of water. I’d like to put it in with my gold fish.The fish is in a old glass milk bottle. Does any one know if the bambo would kill my fish?
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#repost

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#repost

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Partial Balance Sheet?
Jewett Online Company has the following liability accounts after posting adjusting entries: Accounts Payable $63,000, Unearned Ticket Revenue $24,000, Estimated Warranty Liability $18,000, Interest Payable $8,000, Mortgage Payable $120,000, Notes Payable $80,000, and Sales Taxes Payable $10,000. Assume the company’s operating cycle is less than 1 year, ticket revenue will be earned within 1 year, warranty costs are expected to be incurred within 1 year, and the notes mature in 3 years. Prepare the current liabilities section of the balance sheet, assuming $30,000 of the mortgage is payable next year. (List liabilities from largest to smallest eg 10, 5, 3, 2.)””
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“”I want to file bankruptcy, but will receive a residual payment from a student loan in August.?
The residual amount will be about 5000 and is basically for living expenses beyond tuition. Can this money be taken away from me during the bankruptcy (Ch. 7) since it will be cash? Can I give it to someone to administer or would this be fraud?
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How can I get my free credit report easily using internet?

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“”Filing Chapter 13 bankruptcy and required income verification,if any.?””
Do they require you to show income verification when filing chapter 13,such as, taxes or pay stubs? What if the person is a bum with no income and hasn’t filed taxes in decades. BUT, owns property outright & currently trying to sell it for one million dollars? Any info would be helpful.””
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Where can I get bankruptcy filings?

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I am trying to find a CHEAP online payday loan = only SINCERE helpers PLEASE :O) and NOT Magnum (RIP OFF)?
i need one to do online as i do not have transportation right now or access to a fax machine. The cheapest i have found so far is $25 PER $100 borrowed. I only want to borrow about $800-$1000 until i get paid or get my stimulus check on 6/20 — about 12–13 days. I have sucky credit so i need one that doesn’t require a credit check. This is a one time thing until I get paid or until I get my stimulus check. Thanks so much for helping me. PLEASE only sincere replies. Joanie
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Refinancing auto loan?
Cutting to the chase, at the end of December 2015 I financed a vehicle (had negative equity) for about 45,000. Before I was paying $400 m/o. After all said and done, I m now paying $696 a m/o and that was a huge jump for me, my interest rate was 4.5% I believe. Being that it s only 6 months since I ve had the vehicle, when should I refinance it? I know it won t affect it too much right now. Thanks!””
“Why do I have to enter a credit card number to get a free credit report?

I went to annualcreditreport.com and each of the three main credit bureau links ended in a request for a card number. I don’t have any cards. I don’t have an established residence that matches any address my creditors would have. I have tried for 2weeks to get a copy of my credit report… I keep hearing how important it is to know your credit score and I can’t even buy one over the phone! any suggestions?

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