Jump to content
aidan80

Credit Reports/Scores?

By aidan80 in Off Topic

 Share

47 posts in this topic

Recommended Posts

aidan80 Proficient

aidan80   9

Posted
Filed: Citizen (pnd) Country: Ireland
 Timeline
  • Author
Posted

Maybe I'm lost here on this one why would I want a credit score of 0? I'd want a 0 if I never wanted or ever had a need for credit or wanted to pay out the ####### for insurance and a million other things that run off your credit score not just loans and credit cards. My current debt total is about $200 the score I have has been generated by not allowing myself to be shackled by the bank. I have every intention of staying out of debt but I can't ever buy a house with a 0 score or afford the interest rates with a 0 score so to have a 0 score is just wrong to me.

Don't get me wrong I'm no fan of the credit industry or the banks. I've no intention of allowing myself to be caught by them and every intention of using them in every way possible to get what I want. What I want in the next 5 years just might be a house and the logical bridge to that is a decent down payment and a decent credit history/score.

Filed N400 11/7/16

Check (CC) Cashed 11/10/16

Text/Email NOA 11/16/16

Link to comment
Share on other sites
  • Replies 46
  • Created
  • Last Reply

Top Posters In This Topic

Popular Days

Top Posters In This Topic

Popular Days

HYENA Rising Star

HYENA   4

Posted
Filed: K-1 Visa Country: Thailand
 Timeline
Posted
All right I’m about ready to go mad! How in this country do I get an actual copy of my credit report from the three agencies without paying out $60 or paying some other rip off website $20 a month? I just want to know my score the score they use to make up their mind. I don’t mind paying I just don’t want ripped off.

Some things back home were easier (at least last time I did it) I paid about $6 for my credit report from Experian.. a week later it arrived via post and that was it what’s going on over here? Why are there 1000’s of companies trying to sell me information about me!

Anyway the reason for all of this is so I can buy a car nothing fancy just a basic new car in the 14k range not exactly a Mercedes. I got shot down already on one attempt to get a loan and need to figure out what I need to do to fix up my credit enough before applying with another lender.

Where did you get 'shot down'? Bank? Car Dealer?

It's your credit report. Ask them to show it to you.

applying for credit can drop your score as much as 40 points (more or less depending on what your history is)

7/21/08 I 129f K-1 app given to Siam Legal Lawyers office

8/3/08 K-1 I 129f Sent (Atty Ofc made mistake delayed app, we learned later)

8/14/08 NOA-1

1/23/09 RFE Color Passport Picture

1/29/09 RFE Color Pics sent

2/3/09 RFE Pics USCIS acknowledged

4/28/09 NOA-2

5/01/09 NVC Received

5/01/09 Left NVC

5/15/09 Embassy Sent Packet 3 (we did not receive-they have correct addresses)

6/19/09 Packet 3 to Embassy

6/28/09 Appointment (packet 4) never mailed, had to ask to get email-they've got correct addresses

7/23/09 Interview Scheduled for 7:00am (A YEAR AFTER SUBMISSION)!!!!!!!!!!! APPROVED!!!!!!!!!!!!!!!!!!!

7/28/09 Pick up visa

8/11/09 She came to the USA with me!

Link to comment
Share on other sites
 

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share
Go to topic listing
- Back to Top -

Important Disclaimer: Please read carefully the Visajourney.com Terms of Service. If you do not agree to the Terms of Service you should not access or view any page (including this page) on VisaJourney.com. Answers and comments provided on Visajourney.com Forums are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Visajourney.com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. VisaJourney.com does not condone immigration fraud in any way, shape or manner. VisaJourney.com recommends that if any member or user knows directly of someone involved in fraudulent or illegal activity, that they report such activity directly to the Department of Homeland Security, Immigration and Customs Enforcement. You can contact ICE via email at Immigration.Reply@dhs.gov or you can telephone ICE at 1-866-347-2423. All reported threads/posts containing reference to immigration fraud or illegal activities will be removed from this board. If you feel that you have found inappropriate content, please let us know by contacting us here with a url link to that content. Thank you.
×
×
  • Create New...