Liberty Credit Repair

I have two credit cards both have membership services. Both report to all three credit agencies. And both offer the service of credit watch, with score watch. Why do the scores not match, I understand the the three reporting credit agencies will be different, but shouldn’t the info reported be consistant from one wedsite to another. If yes how reliabel are anyone scores who really can give a real reported score. I also understand that the FICO system is only used by Equifax, what are that two other systems?

The three are:

Empirica Score from Transunion
Beacon Score from Equifax
Fair Isaac Score from Experian

the closest you can for accuracy is a trimerge report from a lender or another company that regularly needs to pull credit for loan purposes.

If you are looking for the free credit report and score national site, check out this site

http://Free-Credit-Score-National.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating for free, fast and secure.

Hope this help,

The scores do not match because not all creditors submit to all three agencies.

See what happens when we put 24 credit cards into a Blendtec blender. See more at willitblend.com

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I have years of excellent on-time rental history, however I have no credit because I’ve never been in debt (always pay bills on time) go figure. I was wondering which credit cards I could apply for, for the first time. Wal-Mart Credit card rejected me because I have no credit, and I’m just looking for something small so I can put things on the card and pay them off quickly to establish some sort of credit. Any suggestions?

i think this is the best one to know about credit cards

http://www.freewebs.com/easy-creditcards

http://www.freewebs.com/allcreditcard

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http://www.youtube.com/watch?v=N7P8pPYSXhk&watch_response&fmt=18

Life is short. Live, laugh, enjoy and thank God for every day.

If you were or are still a fan, this rendition will probably make you tear up.

With John’s untimely death, the words are just all that much more evocative.

***********
The Wildlife Concert was John Denver’s last TV Concert. It was taped in New York City in February 1995 and is available on DVD.

Great buy – almost 2 hours of John at his very best.

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I am trying to pick my credit score back up off the floor and have heard that you can do this by applying for credit cards and making the payments on them. Nice! Except, I went through a divorce and my credit is now lowsy. I pay all my bills on time and have a decent job, yet credit card companies don’t give me the time of day. Does anyone know of a company that will work with a credit slacker like me?

Aply for a credit card of a small amount i.e. $300,00 at CAPITAL ONE or your bank, saying you need a credit card to purchaise things trough the internet. After maybe 2 months they put your credit up ond so one. After that your credit repport will be better recognised and you start to have better chances.Like I do I allways pai in before the time and sometimes i put my credit card in credit of £100,00 pounds to schau Them I’m a honest coustmor.And sometimes when I go to the bank they offer me credits and I have a low ballance money in the Bank, but allways in credit. Good luck.

They typically run .99 per $100 and the deal (supposedly) is that if after 90 days of coverage, the cardholder croaks, that they credit card amount owed is forgiven. In the case of elderly people in not the best of health and with large credit card debt ($5000+) is this a good idea?

You’d basically be paying $500 a year and betting that you’re going to be keeping a high credit card balance and that you’d be likely to croak relatively soon.

Most of those plans have age limits. So, it’s unlikely that they would be available to anyone older than 70 – btw what is your definition of "really old?" Just curious ’cause I’m over 50! LOL

In general, those credit card protection plans are ripoffs. It makes more financial sense to buy regular old term life insurance. Much less expensive, and it covers anything you want it to.

Now, more than ever, there is an imperative need for people to understand the nature of credit in a capitalist society. In a time when we are seeing the high seas of finance increasingly rocked by rolling crisis and systemic instability, from Enron to the sub-prime mortgage debacle to the dot.com bubble to the asian financial crisis- in such a time it is imperative that average citizens develop a useful critique of the way credit functions in the global economy.

full text at:
http://kapitalism101.wordpress.com/what-is-credit/

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What impact does closing credit cards have on your credit score?
I have a number of credits that I am not using. What impact if any would closing some of these accounts have on my credit score?

Part of your credit score is based on your debt to available credit limit ratio. When you close accounts, you lower the available credit and could end up with a higher debt percentage. So yes closing credit card accounts will hurt your credit score; however, your score will rebound quickly.

Another factor is that closing your oldest accounts, closes your history. Keep the oldest accounts open as long as they don’t charge an annual fee.

Personally, I think keeping credit cards you don’t use open just for the sake of a couple points on your credit score silly. All those extra cards have too much potential for problems. You have to keep track of them and keep them secured.

I recommend not more than two major credit cards –which you pay in full every month. Only keep store or gas charge cards if you have some kind of special circumstance.

Sweeping new reforms for the credit card industry will soon go into effect. As Elaine Quijano reports, these new rules are designed to put consumers back in charge.

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I’ve had this account for about two years, and I haven’t used it in a long time, and I’m thinking of closing it but I don’t know how it would affect my credit report. This is a secure credit card, with only a $300 limit. I have two other credit cards that I use a lot more often and I’ve been very responsible about paying bills on time.

If nothing else, use it for a small purchase at least once a year and pay it off. If you do not use an account for 12 months, they might close it on you anyway.

What hurts your credit the most is abuse, failure to pay, or using more than 30% of your limits. If you have three cards and pay them off each month, then spread the debt out so that no one card exceeds 30% of its limit.

Having a card even with only a $300 limit, is $300 worth of credit. As soon as you close it, your available credit drops by $300, which could hurt you.

If any of your cards are charging annual fees, consider getting another card with a higher limit and no fees. After you get the boost of the extra credit limit, then close the card with the fees.