Question by orchard_littlejoe: A friend of mine has “poop” for credit. How can he get his credit “score”, not report on line
He wouldn’t mind if I got it for him but I ain’t using my credit card to do that.

Best answer:

Answer by bdancer222
He’s going to have to pay for the score and that means a credit or debit card to purchase it online. Maybe he can request his free credit report and score via regular mail and include a check for the score costs.

However, if his credit is so bad, what difference does the actual score make? He should be more concerned with what is on the report and how to clear up the negatives.

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Q&A: Can you dispute Credit Report inquiries?

Question by Rabbit: Can you dispute Credit Report inquiries?
Someone just asked me this and I didn’t know the answer. So I am hoping someone else does. Credit disputes/credit “repair” normally works best on older accounts because it is more difficult for the information to be verified. Inquiries only stay on your report for two years, which really doesn’t meet this critereon. Has anyone had success removing these?

Best answer:

Answer by REinfo
I stopped mine by opting out on the credit agency website. You opt out from inquiries and also credit card offers.

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Question by turmy3: Is it possible to remove credit inquiries from my credit report?
Over the course of about three months I went on a desperate auto loan shopping spree. I was trying incredibly hard to get approved under my own name with only a year worth of credit history because I have no willing/able co-signer.

I’ve recieved about 20 inquiries and my credit score dropped over 50 points from the original 730 I had, bringing me from excellent credit to between fair and poor.

Now I know that people usually say that you should stay away from “credit repair” agencies. However, I feel cheated to have these inquires draining on my credit report for the next two years when I’ve been responsible with my credit cards as I don’t have a single late payment and I usually pay off half my debt or more every 2 weeks.

Please advise.

Best answer:

Answer by bdancer222
The fact is that you did make all those applications resulting in that many inquiries. After the first couple turn downs, you should have known your credit wasn’t enough. They do give a reason when they turn you down.

I suppose you could pay one of those repair companies a couple hundred bucks to play their slight of hand and hope the actually get some of those inquiries removed, but you’d be better off just establishing a longer on time payment history. It won’t take 2 years to get back most of those points.

What do you think? Answer below!

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(Credit Repair): Self Help May Be Best
(companies) that want you to pay for (credit repair services) before they provide … Under the (Credit Repair) Organizations Act, (credit repair companies) cannot …
FTC Sues (Credit Repair Companies)
Jan 27, 2005 … “No (credit repair) company or consumer has the right to remove accurate, current information from a credit report.” …
More results from
Improve Your Credit Score -(Credit Repair)
(Credit repair) is legal, but some (companies) are not. Our fraud detection guidelines are designed to help you tell the difference. …
Repairing your credit — go it alone or hire a (credit repair) company?
You want to improve your credit score. Should you pay a (credit repair service) to help you or do it yourself?
Best (Credit Repair Services) – Top Ten List
You can (repair) your (credit) yourself or you can get help from a (credit repair) expert. This is a top ten list of the best (credit repair companies) out there. …
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(Companies) that want you to pay for (credit repair) services before they provide any services. (Credit repair companies) cannot require you to pay until they …
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We will help you erase your bad credit from all three major credit bureaus.
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