Someone elses creit card on my credit report...?
I pulled my credit report today and I know what is on my report, or at least supposed to be, within were my everyday accounts in correct standing, but I noticed "Bank of America"... and it showed the credit reduce, and that it was surrounded by good standing. I do not enjoy a Bank of America credit card or loan, and I called them, they asked for my SS3 to look up the depiction, they said that they don't have me surrounded by their system, I don't know what to do.Answers: I assume you did this online. go to the website and simply 'dispute' this item. The credit bureau will investigate and respond in 30 days. They will contact BofA like you did and if they attain the same response you did it will be removed by the credit bureau.
You appear to be the casualty of identity theft. The possibility is that a creature of the same given name is being confused beside you... they have indistinguishable drivers licence or social insurance number too.
Well, you have to report this asap. Make sure the credit card company cuts the credit bad immedistely, by advising them that this is fraud and you are not planning to wage it.
As long as it's showing in accurate standing it is helping your score, so I don't see a unadulterated reason to bother disputing it. Now if it turns into a unenthusiastic then by adjectives means dispute it.
I'm 16 is their a prepaid debit card I could use to buy things online and what such?
Answers: Yes... Your best bet is just buying MasterCard gift cards. They are sold at the counter in some stores or on the web...
https://gift.prepaidcardbalance.com/
If you want your parents involved, you could get a reloadable card for teens that your parents could reload with funds from a checking account if you give them the money... or your pay could be direct deposited if you work... Watch out for cards with fees. I don't think you could get any kind of reloadable card by yourself, since you're a minor and couldn't be held liable for fraudulent transactions, etc...
http://www.upsideclear.com/Splash.aspx?s...
http://www.upsideclear.com/HowDoesItWork...
yes , they sell them at payday loan / check cashing stores. they are like $10 to get one. you can put as much money on them as you want. just make sure your name is on the card or you cant get things online. they will give you a temp card until the real one comes in the mail.
or they sell visa and master card gift cards at like cvs and wall greens.
I got mine from here http://easyprepaidvisa.com $0 activation fee.
http://easyprepaidvisa.com
Yes, go to http://www.bankfreedom.com and get their card. It is a prepaid mastercard debit card that has no activation fee - so you can get it and have your parents put the money on your account immediately or load cash on it at any retail location that sells a Green dot moneypak.
Applying for a loan?
I am thinking of refinancing a loan of mine and want to include one of my credit cards in that refinancing. I know that at hand is more than one factor but what is the general rule on the amount you can return with based on your annual income? I variety about 30,000 a year. This would be for a personal loan near no collateral F.Y.I, I have a credit win in the 700 hundreds and adjectives my bills are always compensated on time and other have be.Answers: It sounds like you are looking for unsecured debt... which is exceedingly, very frozen to get right in a minute outside of credit cards. We are going through one of this biggest credit tightening environments in history. I'm sorry say aloud unsecured with a guard will be close to impossible with 30k surrounded by income.
You could try a credit card debt consolidator or credit card debt settlor ( I alway recommend going with a settlor, it will affect your credit for around 1 year).
If you have equity surrounded by your home/condo you could always refinance your mortgage and help yourself to 'cash out' to rate off your other debts.
Good Luck,
Hello,
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