How can I get my credit card company to report account information?
Q. I got my credit report today and it shows that my total credit amount is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit/max balance and that all of my credit cards hadn't been reported since April. Is there an effective way to contact the credit card companies and get them to report accurate and up to date information to the credit bureaus? I feel that this issue is affecting my credit score, so I would like to fix this. Thanks in advance.
Asked by awill110 - Wed Jul 18 19:56:13 2007 - - 6 Answers - 0 Comments

A. They only report every 6 months. Some do it sooner, but that's rare.
Answered by ZinaRae - Wed Jul 18 20:00:50 2007

How does your credit get affected by a closed credit card account due to a stolen credit card?
Q. What happens to one's credit when the person's sole credit card is taken and used illegally? We're not sure how this will affect efforts to refinance, as this is my wife's only credit card. She will be receiving a replacement in the next week and will have an affidavit indicating that the charges were not hers. Any suggested approaches to ensuring that her credit info is considered before the card was stolen and the account closed?
Asked by Stuck in the Middle Ages - Wed Apr 15 11:25:19 2009 - - 5 Answers - 0 Comments

A. You really shouldn't have much of an impact, since the card is being re-issued. Basically you still have the same account, same history, same limit as the old card, just with a new number. She will need to be very careful about the fraudulent purchases. If the bank does not wave them, she could be held responsible. If she doesn't pay this will hurt her credit. To be on the safe side take the affidavit with you when you re-finance this will be your proof that if anything negative shows up, it wasn't yours. My next question has to be how did they get her card. If a wallet was stolen, home broken into, mail stolen, keep in mind the other info this thief may have. Name, address, social, etc they may have more than enough to commit credit… [cont.]
Answered by mrsjanejetson - Sat Apr 18 14:02:07 2009

How many bank accounts and credit cards should I have?
Q. I am currently a college student with 2 checking accounts (Wamu- 3 years & BOA- 1 year) and 1 credit card (Citi- 1 year). I have always met the requirements for my checking accounts and paid all my credit card bills on time. As for loans, I do have about $10,000 of student loans in debt. I was wondering if it is okay for me to get another credit card. Also, many say that having a lot of credit cards are bad for you. What is the reccomendation of how many bank accounts and credit cards should I have so that my credits would not go down? Thanks in advance!
Asked by Pepper - Tue Jul 24 15:06:09 2007 - - 10 Answers - 0 Comments

A. It's not uncommon to have multiple bank accounts with different banks, from my past and current experience, I primarily do all my business with one bank if possible. I'm going to list the types of accounts that you should have in order to prepare yourself financially: 1. Checking account- This is the primary tool to not only monitor your finances, but to pay all your bills on time. 2. Savings account- This should be used as a primary reserve that should be used in the event of emergencies and as a backup reserve to your checking account. 3. Traditional/Roth IRA- This should be your primary retirement account. Anytime that you have a 401K,402g, or 403b plan, and plan to switch employers, this would be the account to move or "rollover"… [cont.]
Answered by $m v - Tue Jul 24 16:07:08 2007