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question about credit reports...

Soon2beAlberti Posted:

question about credit reports...

when it says 'not more that 2 late payments' under the status thingy...does that mean that the account has not more than 2 late payments or that that is one of the policies which has been broken or delinquent. i have someone paying an account under my name and need to know what this means.

jennarose023 Posted:

Re: question about credit reports...

it most likely means that you haven't had more then 2 late payments on the account

Soon2beAlberti Posted:

Re: question about credit reports...

but if they put that...it means there has been at least 1?

Butterfly123 Posted:

Re: question about credit reports...

What site did you use for your credit report. Im nervous to do it online since Denise's horror story!

jennarose023 Posted:

Re: question about credit reports...


Posted by Soon2beAlberti

but if they put that...it means there has been at least 1?



yes...that is most likely what it means. Are you using transcredit? this is the best online on to use...freecreditreport.com
Soon2beAlberti Posted:

Re: question about credit reports...

no its the identity theft report thingy that has all three credit report monitors on the page ...discover card mails it to you when there is a change...its actually FH's account

jennarose023 Posted:

Re: question about credit reports...


Posted by Soon2beAlberti

no its the identity theft report thingy that has all three credit report monitors on the page ...discover card mails it to you when there is a change...its actually FH's account



maybe you can give them a call to get more details!
Espo22 Posted:

Re: question about credit reports...


Posted by jennarose023


Posted by Soon2beAlberti

but if they put that...it means there has been at least 1?



yes...that is most likely what it means. Are you using transcredit? this is the best online on to use...freecreditreport.com



ugh freecreditreport is the absolute worst. That is what i used, and now MONTHS later on my bank account theres charges from all these other companies, companies i never signed up for. There were about 4 others and they took out $30, $15 each one, plus some were taking out $1 a day. Since i had no clue what any of this was about i looked it up and found a site with others complaining about the same exact thing and same companies that were charging them. Only to find out that they give your information to other companies, they gave my bank account since i paid with a debit card. Then i posted on here and somebody told me they saw it on the news.
RadiantBride Posted:

Re: question about credit reports...


Posted by Espo22


Posted by jennarose023


Posted by Soon2beAlberti

but if they put that...it means there has been at least 1?



yes...that is most likely what it means. Are you using transcredit? this is the best online on to use...freecreditreport.com



ugh freecreditreport is the absolute worst. That is what i used, and now MONTHS later on my bank account theres charges from all these other companies, companies i never signed up for. There were about 4 others and they took out $30, $15 each one, plus some were taking out $1 a day. Since i had no clue what any of this was about i looked it up and found a site with others complaining about the same exact thing and same companies that were charging them. Only to find out that they give your information to other companies, they gave my bank account since i paid with a debit card. Then i posted on here and somebody told me they saw it on the news.



UGHHHH I thought i was the only one. I had to order a new debit card
Butterfly123 Posted:

Re: question about credit reports...


Posted by Espo22


Posted by jennarose023


Posted by Soon2beAlberti

but if they put that...it means there has been at least 1?



yes...that is most likely what it means. Are you using transcredit? this is the best online on to use...freecreditreport.com



ugh freecreditreport is the absolute worst. That is what i used, and now MONTHS later on my bank account theres charges from all these other companies, companies i never signed up for. There were about 4 others and they took out $30, $15 each one, plus some were taking out $1 a day. Since i had no clue what any of this was about i looked it up and found a site with others complaining about the same exact thing and same companies that were charging them. Only to find out that they give your information to other companies, they gave my bank account since i paid with a debit card. Then i posted on here and somebody told me they saw it on the news.



is there no way to fight the charges??
Espo22 Posted:

Re: question about credit reports...


Posted by RadiantBride


Posted by Espo22


Posted by jennarose023


Posted by Soon2beAlberti

but if they put that...it means there has been at least 1?



yes...that is most likely what it means. Are you using transcredit? this is the best online on to use...freecreditreport.com



ugh freecreditreport is the absolute worst. That is what i used, and now MONTHS later on my bank account theres charges from all these other companies, companies i never signed up for. There were about 4 others and they took out $30, $15 each one, plus some were taking out $1 a day. Since i had no clue what any of this was about i looked it up and found a site with others complaining about the same exact thing and same companies that were charging them. Only to find out that they give your information to other companies, they gave my bank account since i paid with a debit card. Then i posted on here and somebody told me they saw it on the news.



UGHHHH I thought i was the only one. I had to order a new debit card



i know i was so mad. How do they even have the right to give out your information to other companies. I had to call the other companies and tell them to take me off and that i never signed up for it and how wrong it is for them to charge me for something when i never used their services, i said i used ONE company and got my info from them. Why would i even need to sign up with 4 different credit report companies. Plus there was also some shopping discount group i never heard of.

Sorry it happened to you too
Espo22 Posted:

Re: question about credit reports...


Posted by Songstress


Posted by Espo22


Posted by jennarose023


Posted by Soon2beAlberti

but if they put that...it means there has been at least 1?



yes...that is most likely what it means. Are you using transcredit? this is the best online on to use...freecreditreport.com



ugh freecreditreport is the absolute worst. That is what i used, and now MONTHS later on my bank account theres charges from all these other companies, companies i never signed up for. There were about 4 others and they took out $30, $15 each one, plus some were taking out $1 a day. Since i had no clue what any of this was about i looked it up and found a site with others complaining about the same exact thing and same companies that were charging them. Only to find out that they give your information to other companies, they gave my bank account since i paid with a debit card. Then i posted on here and somebody told me they saw it on the news.



is there no way to fight the charges??



if it was CC it would be easier. But since it was debit card they took it right out of my account and already got paid. So i spoke to my bank, its gonna be harder to get them to give me back the money they took out haha
Butterfly123 Posted:

Re: question about credit reports...


Posted by Espo22


Posted by Songstress


Posted by Espo22


Posted by jennarose023


Posted by Soon2beAlberti

but if they put that...it means there has been at least 1?



yes...that is most likely what it means. Are you using transcredit? this is the best online on to use...freecreditreport.com



ugh freecreditreport is the absolute worst. That is what i used, and now MONTHS later on my bank account theres charges from all these other companies, companies i never signed up for. There were about 4 others and they took out $30, $15 each one, plus some were taking out $1 a day. Since i had no clue what any of this was about i looked it up and found a site with others complaining about the same exact thing and same companies that were charging them. Only to find out that they give your information to other companies, they gave my bank account since i paid with a debit card. Then i posted on here and somebody told me they saw it on the news.



is there no way to fight the charges??



if it was CC it would be easier. But since it was debit card they took it right out of my account and already got paid. So i spoke to my bank, its gonna be harder to get them to give me back the money they took out haha



I just dont see how this isnt ILLEGAL! People need to start suing! Is there a terms of service thing or a fine print you didnt see?

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