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HomeCredit ForumImprove your credit score

how do i get my credit score?

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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Sun Sep 07, 2008 2:36 am  
Well if you want your money back you have to go through the crap to get it all back, no one can do it for you. My thing is the bank won't tell you jack unless you ask, seems to me that banks used to be a little bit more user friendly before and stuck up for the customer instead of some business that they don't even know.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
erb1953



Joined: 31 Dec 2007
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Posts: 631



8 Magic Points
 
 Posted on Sun Sep 07, 2008 1:15 pm  
The banks should be more on their customer's side than the business that is taking money out of the account with out their permission.
 
fireyone



Joined: 26 Feb 2008
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Posts: 2847



1688 Magic Points
 
 Posted on Sun Sep 07, 2008 2:42 pm  
Tell that to the bank.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Sun Sep 07, 2008 7:42 pm  
I have, I have went there and completed the dispute paper work and they were not real happy about having to do there part but that is what they are there for.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2847



1688 Magic Points
 
 Posted on Tue Sep 09, 2008 2:12 pm  
May I ask what bak this is. I kn ow some of them act like doing something for the customer is like taking their last breathe. I have two different banks and Fcommonwealth is only used if necesary. I have just a savings type checking there that I add extra money to when I can set some aside. Once it builds so high I will pay for something whether it be a bill, a reapir we had to put off, taxes, etc. I find this way works best for me.
I tought myself that this was an account off limits except for emergencies and it has come in handy, especially lately with all the car repairs that hit. I just don't care for a couple of the young tellers. I swear you could set off a bomb and they would walk out of the building instead of run.
Another question...Can the collectors who are illegally withdrawing funds take more than what is in their or not? You would think they couldn't cause the bank would not let the funds be available but who knows. I mean it could be so easy for them to bounce an account and leave you with the monsterous fees.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Sun Sep 14, 2008 10:30 pm  
I have had some pretty good luck with my bank, they have helped me get my money back.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2847



1688 Magic Points
 
 Posted on Sun Sep 14, 2008 11:16 pm  
Who is your bank GN? My ST bank is really the best one but first commonwealth is just SLOW.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Mon Sep 22, 2008 3:16 am  
I have first commonwealth of pennsylvania, they are usually really good about backing anything, but you have to prompt them to do it. I honestly think that the tellers don't know unless they have been there a while.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Wed Sep 24, 2008 4:29 pm  
That is true. The longer you stay with something the better you are at it. I noticed a lot these days the frequent change of faces in the banking industry. Doesn't seem like a lot of the younger generation keep with the banking indusrty for employment. I wonder if it is the pay opr just how irresponsible the employee is?
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Wed Oct 08, 2008 2:43 am  
I don't know why honestly, the banks in our area are some of the lowest paying employers, they not only have low wages but they put people on part time versus full time, no benefits. It seems the bigger the bank, the cheaper they are. It is sad!
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Wed Oct 08, 2008 10:47 pm  
Yep thats what i have heard. Really is a shame.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3133



5260 Magic Points
 
 Posted on Mon Oct 27, 2008 2:53 am  
Do you have to pay for your score there? I don't know anywhere where you can get your scores free, just your report.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 891



2654 Magic Points
Subject: credit
 
 Posted on Mon Oct 27, 2008 3:26 pm  
you can go to AnnualCredit Report ( dot) com to get your CR's for free. But..you can ONLY do this 1 time per year. What you may want to do is ask for 1 of the CR, every 4 months. That way you can kind of 'keep track' how your reports are. They don't give a Credit score, however.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Mon Oct 27, 2008 10:37 pm  
I don't think I have ever known my score. Never was really vital since my hubby had good credit. I am wondering what it actually is so if I ever get money ahead I am planning on checking it out. I know it doesn't cost much but right now anything that isn't necessary is too much with all the med bills and catching up we have to do. I also heard that the collection agencies put "ticklers" on you so if you check your report they will start contacting you again thinking since you are so interested it would be a good chance you may want to settle an old debt. I really think it is an evasion of privacy but as we all know we don't have a say in this.
 
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