Quick Credit Card question
Oct 27th 2002, 6:52 am
#1
Guest
Posts: n/a
Quick Credit Card question
Hi there everyone,
A while ago I asked about Credit Cards for Residents, well my wife has just
signed me up for a credit card under her current card which they needed my
SSN# for.
Really I just want to know if this is a real credit card in that it will get
MY credit going when I use it and pay for it on time? The card is in my
name but using her good credit (I think that's how it works).
I'm just curious as i've never had a CC before :-)
Thanks everyone,
And keep up the great work, i've had so much help in here in the past and
it's all appreciated.
Chris Payne
A while ago I asked about Credit Cards for Residents, well my wife has just
signed me up for a credit card under her current card which they needed my
SSN# for.
Really I just want to know if this is a real credit card in that it will get
MY credit going when I use it and pay for it on time? The card is in my
name but using her good credit (I think that's how it works).
I'm just curious as i've never had a CC before :-)
Thanks everyone,
And keep up the great work, i've had so much help in here in the past and
it's all appreciated.
Chris Payne
Oct 27th 2002, 9:49 am
#2
Guest
Posts: n/a
Re: Quick Credit Card question
This will start your credit as long as you are giving them your SSN#. I
started that way 3 years ago.
Jill
"Chris Payne" wrote in message
news:quXu9.63674$r7.12822-
[email protected]...
> Hi there everyone,
> A while ago I asked about Credit Cards for Residents, well my wife has
just
> signed me up for a credit card under her current card which they needed my
> SSN# for.
> Really I just want to know if this is a real credit card in that it will
get
> MY credit going when I use it and pay for it on time? The card is in my
> name but using her good credit (I think that's how it works).
> I'm just curious as i've never had a CC before :-)
> Thanks everyone,
> And keep up the great work, i've had so much help in here in the past and
> it's all appreciated.
> Chris Payne
-----= Posted via Newsfeeds.Com, Uncensored Usenet News =-----
http://www.newsfeeds.com - The #1 Newsgroup
Service in the World!
-----== Over 80,000 Newsgroups - 16 Different Servers! =-----
started that way 3 years ago.
Jill
"Chris Payne" wrote in message
news:quXu9.63674$r7.12822-
[email protected]...
> Hi there everyone,
> A while ago I asked about Credit Cards for Residents, well my wife has
just
> signed me up for a credit card under her current card which they needed my
> SSN# for.
> Really I just want to know if this is a real credit card in that it will
get
> MY credit going when I use it and pay for it on time? The card is in my
> name but using her good credit (I think that's how it works).
> I'm just curious as i've never had a CC before :-)
> Thanks everyone,
> And keep up the great work, i've had so much help in here in the past and
> it's all appreciated.
> Chris Payne
-----= Posted via Newsfeeds.Com, Uncensored Usenet News =-----
http://www.newsfeeds.com - The #1 Newsgroup
Service in the World!
-----== Over 80,000 Newsgroups - 16 Different Servers! =-----
Oct 27th 2002, 1:16 pm
#3
Guest
Posts: n/a
Re: Quick Credit Card question
Chris Payne wrote:
> Hi there everyone,
> A while ago I asked about Credit Cards for Residents, well my wife has just
> signed me up for a credit card under her current card which they needed my
> SSN# for.
> Really I just want to know if this is a real credit card in that it will get
> MY credit going when I use it and pay for it on time? The card is in my
> name but using her good credit (I think that's how it works).
> I'm just curious as i've never had a CC before :-)
My wife has a card from my card company and we gave them her SSN as
well. I would like to know the answer to the question as well since no
one at the card company she spoke to knows the answer.
> Hi there everyone,
> A while ago I asked about Credit Cards for Residents, well my wife has just
> signed me up for a credit card under her current card which they needed my
> SSN# for.
> Really I just want to know if this is a real credit card in that it will get
> MY credit going when I use it and pay for it on time? The card is in my
> name but using her good credit (I think that's how it works).
> I'm just curious as i've never had a CC before :-)
My wife has a card from my card company and we gave them her SSN as
well. I would like to know the answer to the question as well since no
one at the card company she spoke to knows the answer.
Oct 27th 2002, 11:32 pm
#4
Guest
Posts: n/a
Re: Quick Credit Card question
The best way to check is to get one of the "free" (read cheap) credit card
reports in a few months time and see if the card is listed on your credit
report too. I am an authorized user of one of my wife's credit cards but
that does not show up on my credit report. Anytime you co-sign a loan,
though, that would show up.
Andy.
--
I'm not really here - it's just your warped imagination.
"Chris Payne" wrote in message
news:quXu9.63674$r7.12822-
[email protected]...
> Hi there everyone,
> A while ago I asked about Credit Cards for Residents, well my wife has
just
> signed me up for a credit card under her current card which they needed my
> SSN# for.
> Really I just want to know if this is a real credit card in that it will
get
> MY credit going when I use it and pay for it on time? The card is in my
> name but using her good credit (I think that's how it works).
> I'm just curious as i've never had a CC before :-)
> Thanks everyone,
> And keep up the great work, i've had so much help in here in the past and
> it's all appreciated.
> Chris Payne
reports in a few months time and see if the card is listed on your credit
report too. I am an authorized user of one of my wife's credit cards but
that does not show up on my credit report. Anytime you co-sign a loan,
though, that would show up.
Andy.
--
I'm not really here - it's just your warped imagination.
"Chris Payne" wrote in message
news:quXu9.63674$r7.12822-
[email protected]...
> Hi there everyone,
> A while ago I asked about Credit Cards for Residents, well my wife has
just
> signed me up for a credit card under her current card which they needed my
> SSN# for.
> Really I just want to know if this is a real credit card in that it will
get
> MY credit going when I use it and pay for it on time? The card is in my
> name but using her good credit (I think that's how it works).
> I'm just curious as i've never had a CC before :-)
> Thanks everyone,
> And keep up the great work, i've had so much help in here in the past and
> it's all appreciated.
> Chris Payne
Oct 28th 2002, 1:24 am
#5
Guest
Posts: n/a
Re: Quick Credit Card question
I spoke to my partners bank and they said that if we got a credit card which
has a space for co-applicant on the application form it would raise both our
credit's.
Just a warning note apparantly checking your credit puts a negative on it so
don't do it too often. Friend of ours discovered this when she was applying
for credit somewhere through their website. It did a credit check and
approved her no probs then her comp crashed before she finished. When she
went back through the application again the credit check failed. As you can
imagine she was a bit pissed.
So we're being careful with applying for credit cards - Because of course
they do a credit check on every application...
bleugh....
Morkai
Andy Platt wrote:
> The best way to check is to get one of the "free" (read cheap) credit
> card reports in a few months time and see if the card is listed on
> your credit report too. I am an authorized user of one of my wife's
> credit cards but that does not show up on my credit report. Anytime
> you co-sign a loan, though, that would show up.
> Andy.
>> Hi there everyone,
>> A while ago I asked about Credit Cards for Residents, well my wife
>> has just signed me up for a credit card under her current card which
>> they needed my SSN# for.
>> Really I just want to know if this is a real credit card in that it
>> will get MY credit going when I use it and pay for it on time? The
>> card is in my name but using her good credit (I think that's how it
>> works).
>> I'm just curious as i've never had a CC before :-)
>> Thanks everyone,
>> And keep up the great work, i've had so much help in here in the
>> past and it's all appreciated.
>> Chris Payne
has a space for co-applicant on the application form it would raise both our
credit's.
Just a warning note apparantly checking your credit puts a negative on it so
don't do it too often. Friend of ours discovered this when she was applying
for credit somewhere through their website. It did a credit check and
approved her no probs then her comp crashed before she finished. When she
went back through the application again the credit check failed. As you can
imagine she was a bit pissed.
So we're being careful with applying for credit cards - Because of course
they do a credit check on every application...
bleugh....
Morkai
Andy Platt wrote:
> The best way to check is to get one of the "free" (read cheap) credit
> card reports in a few months time and see if the card is listed on
> your credit report too. I am an authorized user of one of my wife's
> credit cards but that does not show up on my credit report. Anytime
> you co-sign a loan, though, that would show up.
> Andy.
>> Hi there everyone,
>> A while ago I asked about Credit Cards for Residents, well my wife
>> has just signed me up for a credit card under her current card which
>> they needed my SSN# for.
>> Really I just want to know if this is a real credit card in that it
>> will get MY credit going when I use it and pay for it on time? The
>> card is in my name but using her good credit (I think that's how it
>> works).
>> I'm just curious as i've never had a CC before :-)
>> Thanks everyone,
>> And keep up the great work, i've had so much help in here in the
>> past and it's all appreciated.
>> Chris Payne
Oct 28th 2002, 6:56 am
#6
Guest
Posts: n/a
Re: Quick Credit Card question
As long is she/he is put on as liable for your debts on the card,
she/he will be accumulating a credit history. My wife did this about
9 months ago, and has already been receiving pre-approved credit
offers in the mail. This is the easiest way to start builing a credit
history in the US.
Bill
she/he will be accumulating a credit history. My wife did this about
9 months ago, and has already been receiving pre-approved credit
offers in the mail. This is the easiest way to start builing a credit
history in the US.
Bill
Oct 28th 2002, 12:06 pm
#7
Guest
Posts: n/a
Re: Quick Credit Card question
Bill wrote:
> As long is she/he is put on as liable for your debts on the card,
> she/he will be accumulating a credit history. My wife did this about
> 9 months ago, and has already been receiving pre-approved credit
> offers in the mail. This is the easiest way to start builing a credit
> history in the US.
The fact that pre-approved applications are arriving in the post does
not neceesarily mean that a cerdit history is being built. I think the
fine print on most of the applications states that a credit check will
be done on the applicant. If the applicant has little US credit history
(and no job in particular) I think it is likely the application would be
denied.
I agree with another poster and that the only way to tell for sure is to
get a copy of the credit report after a few months using the new
immigrant's SSN. This is what I intend to do.
> As long is she/he is put on as liable for your debts on the card,
> she/he will be accumulating a credit history. My wife did this about
> 9 months ago, and has already been receiving pre-approved credit
> offers in the mail. This is the easiest way to start builing a credit
> history in the US.
The fact that pre-approved applications are arriving in the post does
not neceesarily mean that a cerdit history is being built. I think the
fine print on most of the applications states that a credit check will
be done on the applicant. If the applicant has little US credit history
(and no job in particular) I think it is likely the application would be
denied.
I agree with another poster and that the only way to tell for sure is to
get a copy of the credit report after a few months using the new
immigrant's SSN. This is what I intend to do.
Oct 29th 2002, 1:37 am
#8
BE Enthusiast
Joined: Jul 2002
Location: Melbourne Fl
Posts: 458
Getting a credit report on yourself, does not count towards the amount of inquirys, like it does if a bank or finace company "pulls" the report.
I would suggest getting a copy of your credit report yourself after you have had the card for 3 months. (it can sometimes take a couple of months to show up, depending on the billing cycle and the date the credit company reports their transactions
Simon
I would suggest getting a copy of your credit report yourself after you have had the card for 3 months. (it can sometimes take a couple of months to show up, depending on the billing cycle and the date the credit company reports their transactions
Simon
Oct 29th 2002, 2:47 am
#9
Guest
Posts: n/a
Re: Quick Credit Card question
Nod, that is what Andy said. Good to know.
Just out of interest, generally when you get a credit report you go through
an agency of some kind - how do the credit people know its you requesting
your credit report and not someone else. And is it possible for that agency
to screw up and you end up with another 'checked' mark on your credit
report?
In which case can anyone recommend who to get your report from. I've been
getting spam about my credit report in my hotmail box for years and most of
it I wouldn't touch with a barge pole. They look about as inviting as the
ones promising to make me rich...
Morkai
simon bland wrote:
> Getting a credit report on yourself, does not count towards the
> amount of inquirys, like it does if a bank or finace company "pulls"
> the report.
> I would suggest getting a copy of your credit report yourself after
> you have had the card for 3 months. (it can sometimes take a couple of
> months to show up, depending on the billing cycle and the date the
> credit company reports their transactions
> Simon
Just out of interest, generally when you get a credit report you go through
an agency of some kind - how do the credit people know its you requesting
your credit report and not someone else. And is it possible for that agency
to screw up and you end up with another 'checked' mark on your credit
report?
In which case can anyone recommend who to get your report from. I've been
getting spam about my credit report in my hotmail box for years and most of
it I wouldn't touch with a barge pole. They look about as inviting as the
ones promising to make me rich...
Morkai
simon bland wrote:
> Getting a credit report on yourself, does not count towards the
> amount of inquirys, like it does if a bank or finace company "pulls"
> the report.
> I would suggest getting a copy of your credit report yourself after
> you have had the card for 3 months. (it can sometimes take a couple of
> months to show up, depending on the billing cycle and the date the
> credit company reports their transactions
> Simon
Oct 29th 2002, 3:01 am
#10
Guest
Posts: n/a
Re: Quick Credit Card question
Morkai Kurst wrote:
[ ... ]
> In which case can anyone recommend who to get your report from. I've been
Directly from one of the 3 major credit reporting agencies: Equifax,
Experian, or TransUnion.
Apparently, Equifax has a service that provides data from all 3 on one
report . Of course you have to pay for the
report. I have no connection to the company and have never seen their
combined report.
[ ... ]
> In which case can anyone recommend who to get your report from. I've been
Directly from one of the 3 major credit reporting agencies: Equifax,
Experian, or TransUnion.
Apparently, Equifax has a service that provides data from all 3 on one
report . Of course you have to pay for the
report. I have no connection to the company and have never seen their
combined report.
Oct 29th 2002, 3:12 am
#11
Guest
Posts: n/a
Re: Quick Credit Card question
L D Jones wrote:
> Directly from one of the 3 major credit reporting agencies: Equifax,
> Experian, or TransUnion.
> Apparently, Equifax has a service that provides data from all 3 on one
> report . Of course you have to pay for the
> report. I have no connection to the company and have never seen their
> combined report.
Alrighty - Thanks kindly
Morkai
> Directly from one of the 3 major credit reporting agencies: Equifax,
> Experian, or TransUnion.
> Apparently, Equifax has a service that provides data from all 3 on one
> report . Of course you have to pay for the
> report. I have no connection to the company and have never seen their
> combined report.
Alrighty - Thanks kindly
Morkai
Oct 29th 2002, 3:37 am
#12
The Missus
Joined: Sep 2002
Location: Northwest of Chicago
Posts: 6,239
Re: Quick Credit Card question
Originally posted by L D Jones
Morkai Kurst wrote:
[ ... ]
> In which case can anyone recommend who to get your report from. I've been
Directly from one of the 3 major credit reporting agencies: Equifax,
Experian, or TransUnion.
Apparently, Equifax has a service that provides data from all 3 on one
report . Of course you have to pay for the
report. I have no connection to the company and have never seen their
combined report.
Morkai Kurst wrote:
[ ... ]
> In which case can anyone recommend who to get your report from. I've been
Directly from one of the 3 major credit reporting agencies: Equifax,
Experian, or TransUnion.
Apparently, Equifax has a service that provides data from all 3 on one
report . Of course you have to pay for the
report. I have no connection to the company and have never seen their
combined report.
I've seen their report due to getting my home refinanced in the past month. Strange, but you would think that the same information would be on all three companie's reports, but in my case, it wasn't. In fact, one company had a GLARING error, and if I hadn't gotten the report from all three, probably wouldn't have caught it. I'd recommend getting all three reports, for comparison sake. Potentially I guess you could be turned down for credit based on something that doesn't show up on one but shows up on another.
~SecretGarden
Oct 29th 2002, 5:20 am
#13
Guest
Posts: n/a
Re: Quick Credit Card question
Georgia law requires credit bureaus to provide report free of charge, I
think 2 per year. Some other states have similar law, but I have no idea
which.
Ron
"SecretGarden" wrote in message
news:545297.1035909461@britishexpats-
.com...
> Originally posted by L D Jones
> > Morkai Kurst wrote:
> > [ ... ]
> > > In which case can anyone recommend who to get your report from.
> > I've been
> >
> > Directly from one of the 3 major credit reporting agencies: Equifax,
> > Experian, or TransUnion.
> >
> > Apparently, Equifax has a service that provides data from all 3 on one
> > report . Of course you have to pay for the
> > report. I have no connection to the company and have never seen their
> > combined report.
> Hi,
> I've seen their report due to getting my home refinanced in the past
> month. Strange, but you would think that the same information would be
> on all three companie's reports, but in my case, it wasn't. In fact,
> one company had a GLARING error, and if I hadn't gotten the report from
> all three, probably wouldn't have caught it. I'd recommend getting all
> three reports, for comparison sake. Potentially I guess you could be
> turned down for credit based on something that doesn't show up on one
> but shows up on another.
> ~SecretGarden
> --
> Posted via http://britishexpats.com
think 2 per year. Some other states have similar law, but I have no idea
which.
Ron
"SecretGarden" wrote in message
news:545297.1035909461@britishexpats-
.com...
> Originally posted by L D Jones
> > Morkai Kurst wrote:
> > [ ... ]
> > > In which case can anyone recommend who to get your report from.
> > I've been
> >
> > Directly from one of the 3 major credit reporting agencies: Equifax,
> > Experian, or TransUnion.
> >
> > Apparently, Equifax has a service that provides data from all 3 on one
> > report . Of course you have to pay for the
> > report. I have no connection to the company and have never seen their
> > combined report.
> Hi,
> I've seen their report due to getting my home refinanced in the past
> month. Strange, but you would think that the same information would be
> on all three companie's reports, but in my case, it wasn't. In fact,
> one company had a GLARING error, and if I hadn't gotten the report from
> all three, probably wouldn't have caught it. I'd recommend getting all
> three reports, for comparison sake. Potentially I guess you could be
> turned down for credit based on something that doesn't show up on one
> but shows up on another.
> ~SecretGarden
> --
> Posted via http://britishexpats.com
