Credit Issues: The Good And the Bad » Credit Card Repair http://Credit-Blog.net Mon, 19 Jul 2010 16:04:52 +0000 en hourly 1 http://wordpress.org/?v=3.0.4 Based on a credit report what does there are too many delinquent past or present credit obligations mean? http://Credit-Blog.net/credit-card-repair/based-on-a-credit-report-what-does-there-are-too-many-delinquent-past-or-present-credit-obligations-mean/ http://Credit-Blog.net/credit-card-repair/based-on-a-credit-report-what-does-there-are-too-many-delinquent-past-or-present-credit-obligations-mean/#comments Fri, 06 Feb 2009 04:57:28 +0000 Credit Issues Admin http://credit-blog.net/using-credit-cards/based-on-a-credit-report-what-does-there-are-too-many-delinquent-past-or-present-credit-obligations-mean/
Sheila F asked:


I am 19 and recently decided to try to apply for a credit card and i got denied. On the denial letter it stated that based on the credit report there are too many delinquent past or present credit obligations. Can someone please break that down for me please dont really understand what they mean. Now mind you to my knowledge i have no credit because i have never applied for a credit card. Can someone please help?

]]> http://Credit-Blog.net/credit-card-repair/based-on-a-credit-report-what-does-there-are-too-many-delinquent-past-or-present-credit-obligations-mean/feed/ 6 why does my credit report show bankruptcy when i have never filed bankruptcy in my life? http://Credit-Blog.net/credit-card-repair/why-does-my-credit-report-show-bankruptcy-when-i-have-never-filed-bankruptcy-in-my-life/ http://Credit-Blog.net/credit-card-repair/why-does-my-credit-report-show-bankruptcy-when-i-have-never-filed-bankruptcy-in-my-life/#comments Fri, 06 Feb 2009 04:06:27 +0000 Credit Issues Admin http://credit-blog.net/using-credit-cards/why-does-my-credit-report-show-bankruptcy-when-i-have-never-filed-bankruptcy-in-my-life/ firefighter727th asked:

my credit has been denied for the reason of bankruptcy but i have never filed bankruptcy

]]> http://Credit-Blog.net/credit-card-repair/why-does-my-credit-report-show-bankruptcy-when-i-have-never-filed-bankruptcy-in-my-life/feed/ 6 If you’re not approved over the phone are you definitely denied with a credit card company? http://Credit-Blog.net/credit-card-repair/if-youre-not-approved-over-the-phone-are-you-definitely-denied-with-a-credit-card-company/ http://Credit-Blog.net/credit-card-repair/if-youre-not-approved-over-the-phone-are-you-definitely-denied-with-a-credit-card-company/#comments Thu, 05 Feb 2009 21:32:08 +0000 Credit Issues Admin http://credit-blog.net/using-credit-cards/if-youre-not-approved-over-the-phone-are-you-definitely-denied-with-a-credit-card-company/
diamond257 asked:


credit card applications over the phone

]]> http://Credit-Blog.net/credit-card-repair/if-youre-not-approved-over-the-phone-are-you-definitely-denied-with-a-credit-card-company/feed/ 4 recently applied for a new credit card should i activate it? http://Credit-Blog.net/credit-card-repair/recently-applied-for-a-new-credit-card-should-i-activate-it/ http://Credit-Blog.net/credit-card-repair/recently-applied-for-a-new-credit-card-should-i-activate-it/#comments Wed, 04 Feb 2009 04:43:29 +0000 Credit Issues Admin http://credit-blog.net/using-credit-cards/recently-applied-for-a-new-credit-card-should-i-activate-it/
Brownbrotha31 asked:


I recently applied for a credit card to help raise my credit score faster.. i really have no plans on using the card but i wanted to have it just incase i needed it. i was under the assumption that applying for a credit card wont affect my credit unless i am denied for the card itself which i was accepted and the card is in the mail. Now im torn for on what i should do. My credit has already been pulled and wondering should i go ahead and activate the card when it gets here or just cut it up?

]]> http://Credit-Blog.net/credit-card-repair/recently-applied-for-a-new-credit-card-should-i-activate-it/feed/ 4 How reliable are credit reports? http://Credit-Blog.net/credit-card-repair/how-reliable-are-credit-reports/ http://Credit-Blog.net/credit-card-repair/how-reliable-are-credit-reports/#comments Sun, 01 Feb 2009 08:53:36 +0000 Credit Issues Admin http://credit-blog.net/using-credit-cards/how-reliable-are-credit-reports/ Enlightenme! asked:

The reason I am asking is because I had been abroad for a few years and am now resettling back in the States.

I went to open a bank account since I closed it and requested a credit card.

I got a letter in the mail the other day which explained I been denied a credit card. Although I did have a problem I did settle the debt less than 6 months ago.

Anyway, I went on the website as it suggested in the letter to view my credit report and it appeared to be clean with none of the reasons for my denial mentioned in the letter.

Is it common for these ‘credit check’ companies to make errors??

I would like to know:

1. What action should I take? (I plan to call them tomorrow), action I can take if they are mistaken?

2. If there is a problem and I clear it up, how long could it take for me to get approval and get a credit card?

Thanks.
I closed my bank accounts at this same bank previously and noticed it did mention that my accounts were closed previously on my credit report. Can this be perceived as a red flag?

]]> http://Credit-Blog.net/credit-card-repair/how-reliable-are-credit-reports/feed/ 6 What is a good credit card to start out with? http://Credit-Blog.net/credit-card-repair/what-is-a-good-credit-card-to-start-out-with/ http://Credit-Blog.net/credit-card-repair/what-is-a-good-credit-card-to-start-out-with/#comments Sun, 01 Feb 2009 01:24:31 +0000 Credit Issues Admin http://credit-blog.net/using-credit-cards/what-is-a-good-credit-card-to-start-out-with/
koutekinte asked:


I’ve applied for several credit cards and I keep getting denied because I have 0 credit. Meaning I have never had a credit card or done anything with my credit.

]]> http://Credit-Blog.net/credit-card-repair/what-is-a-good-credit-card-to-start-out-with/feed/ 6 Will credit cards effect us to not get an apartment? http://Credit-Blog.net/credit-card-repair/will-credit-cards-effect-us-to-not-get-an-apartment/ http://Credit-Blog.net/credit-card-repair/will-credit-cards-effect-us-to-not-get-an-apartment/#comments Sat, 31 Jan 2009 17:41:55 +0000 Credit Issues Admin http://credit-blog.net/using-credit-cards/will-credit-cards-effect-us-to-not-get-an-apartment/
Angel asked:


Me and him were dumb and got credit cards which we will eventually pay off….his is 382 and mine is 336. If we keep paying the minimum payment and try to get an apartment will we be denied?? because of the credit cards? i mean we can pay them off probably in 2 months…..you think we should pay them off and then get an apartment or wait?

]]> http://Credit-Blog.net/credit-card-repair/will-credit-cards-effect-us-to-not-get-an-apartment/feed/ 3 recently i have applied for credit to buy a car. i have been denied several times, i found fraudlent items? http://Credit-Blog.net/credit-card-repair/recently-i-have-applied-for-credit-to-buy-a-car-i-have-been-denied-several-times-i-found-fraudlent-items/ http://Credit-Blog.net/credit-card-repair/recently-i-have-applied-for-credit-to-buy-a-car-i-have-been-denied-several-times-i-found-fraudlent-items/#comments Sat, 31 Jan 2009 11:22:28 +0000 Credit Issues Admin http://credit-blog.net/using-credit-cards/recently-i-have-applied-for-credit-to-buy-a-car-i-have-been-denied-several-times-i-found-fraudlent-items/
bobby m asked:


according to the report i have an alias??, and there are almost 100,000.00 debt on my report that is not mine . i don’t know where to start. i have looked at several websites to run my report but i am very apprehensive now to do this with all the problems i already have . do you have any ideas . thank you

]]> http://Credit-Blog.net/credit-card-repair/recently-i-have-applied-for-credit-to-buy-a-car-i-have-been-denied-several-times-i-found-fraudlent-items/feed/ 0 How can I build my credit? Im 18 and married and just bought our first house? http://Credit-Blog.net/credit-card-repair/how-can-i-build-my-credit-im-18-and-married-and-just-bought-our-first-house/ http://Credit-Blog.net/credit-card-repair/how-can-i-build-my-credit-im-18-and-married-and-just-bought-our-first-house/#comments Sat, 31 Jan 2009 06:35:30 +0000 Credit Issues Admin http://credit-blog.net/using-credit-cards/how-can-i-build-my-credit-im-18-and-married-and-just-bought-our-first-house/
Natashia asked:


I wasn’t able to be on the loan because well we just moved and I don’t have a job right at this point (but Im trying to find one). I have tried department store credit cards and have been denied so how am I suppose to build it if I can’t do anything?

]]> http://Credit-Blog.net/credit-card-repair/how-can-i-build-my-credit-im-18-and-married-and-just-bought-our-first-house/feed/ 2 How can I start building credit? http://Credit-Blog.net/credit-card-repair/how-can-i-start-building-credit-2/ http://Credit-Blog.net/credit-card-repair/how-can-i-start-building-credit-2/#comments Wed, 28 Jan 2009 15:11:06 +0000 Credit Issues Admin http://credit-blog.net/using-credit-cards/how-can-i-start-building-credit-2/
melissa_lares asked:


how can i start making credit? if no one will approve a credit card without having credit. I am in college and applied for a credit card and it was denied for having “insufficient credit history”. I’ve tried opening small credit accounts at shopping places, and same thing… Any suggestions…

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