[问题] 怎样改正不良的信用记录
- 主题发起人 馒头和包子
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anti-virus
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- 2005-02-01
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there is no way for you to change your credit history --it is there to help the crediters to decide if they want to lend you. The best thing you could you at this point is to get some credit, such as get a "secured credit" card (available both from Master and Visa card), meaning you deposit some money into your credit account and that amount of money would be your credit limit... in essence, it is not a credit card and the money in that account will not generate any interest for you. Most of the time this type of credit card charges annual fees. Although this may sound like a bad deal, at least it will give you a chance to improve your credit rating later on. After all, not being able to pay EVEN the minmium TWICE looks really bad in your credit history.
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as you have already found out in your equifax report, the report also list any unsuccessful credit applications. So do not try your luck by applying for millions of credit cards, since 100% of your applications will be checked against your credit report --because of the bad rating in the report--you have no chance of getting one approved, and the more unsuccessful attempts registered in your report, the worse rating you will get -- just thought you also want to know this.
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Re: Re: [问题] 怎样改正不良的信用记录
maybe that was a while ago. Visa and Master card have both increased their monitering of any possibile fraudulent activities. I was once in a gas station trying to full up the tank. Since I was not familiar with the operation of the nossole, I swiped my Visa 3 times but still could not fill up the tank. I swiped the card the 4th time and the transaction was declined. While I was puzzled trying to figure out what was going on, the cashier from the gas station asked me to come in since the visa card call was on the phone and asked to talk to me to verify. I was on one hand happy to know somebody is watching out for my financial interests,on the other hand I was scared to know that they really watch what you are doing at any given moment.
maybe that was a while ago. Visa and Master card have both increased their monitering of any possibile fraudulent activities. I was once in a gas station trying to full up the tank. Since I was not familiar with the operation of the nossole, I swiped my Visa 3 times but still could not fill up the tank. I swiped the card the 4th time and the transaction was declined. While I was puzzled trying to figure out what was going on, the cashier from the gas station asked me to come in since the visa card call was on the phone and asked to talk to me to verify. I was on one hand happy to know somebody is watching out for my financial interests,on the other hand I was scared to know that they really watch what you are doing at any given moment.
