Credit Repair Help

jumperjacob asked:


OK Here’s the situation…… I have a FICO score of 663 according to the purchase of my Equifax credit report on myfico.com….I own a “annual payment visa card with a limit of $750 (increased from original of $250) over the last year and a half and WalMart Credit card with a limit of about the same (increased as well)….. I want to buy an engagement ring for my girlfriend. I have $3,200 in cash and the ring I want is $4700, so I need to finance the last $1,500. My best financial choice would be to get a credit card with a 12 month 0% APR, so I can pay the $1,500 off no problem in 12 months. BUT, I don’t want to apply for some of these cards, (Most are platinum) if it will hurt my credit score if I’m rejected. Will I be accepted? My balance on the other two cards is like $100 total, I’ve paid them off consistently. (never late) but I am improving on past credit problems from like 7 years ago. . Will I get rejected for these 0% Introductory APR cards?

Cyn asked:


The husband wanted to know about his credit and I did a request at equifax. It came back saying that he opened a mortgage in March 2006. We have never owned a home. Equifax would not display his credit report and we encountered the same problems with the other two credit reporting agencies. Also, one of them had us go through a series of names and phone numbers that we had never seen before. Has someone stolen his ID?

meda huckaby asked:


I recently attempted to get my free annual credit report online, however my attempt hit a wall.

joya granger asked:


I recently attempted to get my free annual credit report online, however my attempt hit a wall.

pethaven8 asked:


i cant get credit for cell phone or anything else..seems the problem is i have no credit…how can i fix this…to access a credit file you need a credit card and i do not have one…although i have never had credit in my life…how do i change this?