I'm a credit guru!

[Amused]

Originally posted by: iam4u2nv
Can an employer can get a copy of your credit report without your permission?

can an employer can get .... what the heck is that
is that right? It sounds stupid
That can't be right

I get it. My years of reading badly edited posts on ATOT have trained me to automatically weed out superfluous words.

 

[iam4u2nv]

Yep.. I read it like 4 times and I was like what is this trying to ask.. I had no idea.
I got 6/8 and yes I guessed that one right.

 

[Amused]

Originally posted by: Skoorb

Originally posted by: edro13
7/8......Now how the hell am I supposed to know this: Under what circumstances are consumers entitled to a free credit report from a credit bureau?

I am not one of the 5 states, so how would I know..... Well, now I know.

It was a tough one but I'd read it somewhere

I knew that one because it is explained to you when you order your credit report.

 

[wyvrn]

8/8 and I like the questions about credit repair companies. Shows you can do it yourself if you are willing to take the time!

 

[mpitts]

Originally posted by: wyvrn
8/8 and I like the questions about credit repair companies. Shows you can do it yourself if you are willing to take the time!

Exactly. When my credit was bad, I had considered talking to one of them.

I thought better of it and now, three years later, I have bought a house at 6% and a car at 0%. Beleive me, that is a LOT of progress for me.

 

[StageLeft]

I knew that one because it is explained to you when you order your credit report.

I knew it first!

 

[Amused]

Originally posted by: Skoorb

I knew that one because it is explained to you when you order your credit report.

I knew it first!

I doubt that. When I first found out about it, you were still in grade school

 

[StageLeft]

Originally posted by: Amused

Originally posted by: Skoorb

I knew that one because it is explained to you when you order your credit report.

I knew it first!

I doubt that. When I first found out about it, you were still in grade school

I found out back in the middle of the century when SSNs were first made!

 

[RossMAN]

1/8

Pysche!

8/8

 

[bleckywelcky]

Wtf?

For the bankruptcy question I answered 7 years, and they tell me I am wrong and give me this answer:

"The answer is D. Declaring bankruptcy leaves a lasting impression on your credit report. When a Chapter 7 bankruptcy is filed, most, if not all, debts are canceled. This type of bankruptcy can stay on your report for up to 10 years. Chapter 13 bankruptcy, in which the debtor must repay part or all of the debt under a court-approved payment plan, remains on your credit report for seven years."

Morons.

-

 

[SHoddyCOmp]

7/8 and ive never had a CC

I just got #1 wrong heh

 

[Amused]

Originally posted by: Skoorb

Originally posted by: Amused

Originally posted by: Skoorb

I knew that one because it is explained to you when you order your credit report.

I knew it first!

I doubt that. When I first found out about it, you were still in grade school

I found out back in the middle of the century when SSNs were first made!

You look mighty good for your age, Maffy.

And SS started in '35

 

[MaxDSP]

You Scored:
8/8

Congratulations! You?re a credit guru!




questions were way too easy...

 

[SHoddyCOmp]

Originally posted by: bleckywelcky
Wtf?

For the bankruptcy question I answered 7 years, and they tell me I am wrong and give me this answer:

"The answer is D. Declaring bankruptcy leaves a lasting impression on your credit report. When a Chapter 7 bankruptcy is filed, most, if not all, debts are canceled. This type of bankruptcy can stay on your report for up to 10 years. Chapter 13 bankruptcy, in which the debtor must repay part or all of the debt under a court-approved payment plan, remains on your credit report for seven years."

Morons.

-

The answer is D. Declaring bankruptcy leaves a lasting impression on your credit report. When a Chapter 7 bankruptcy is filed, most, if not all, debts are canceled. This type of bankruptcy can stay on your report for up to 10 years.
Thats what it says for part of the little paragraph explaining that question, you're looking at the last sentence explaining a different bankruptcy. THe question was how long CAN a bankruptcy show on your report and thats 10 for chapter 7 bankruptcy.

 

[bleckywelcky]

Originally posted by: SHoddyCOmp

Originally posted by: bleckywelcky
Wtf?

For the bankruptcy question I answered 7 years, and they tell me I am wrong and give me this answer:

"The answer is D. Declaring bankruptcy leaves a lasting impression on your credit report. When a Chapter 7 bankruptcy is filed, most, if not all, debts are canceled. This type of bankruptcy can stay on your report for up to 10 years. Chapter 13 bankruptcy, in which the debtor must repay part or all of the debt under a court-approved payment plan, remains on your credit report for seven years."

Morons.

-

The answer is D. Declaring bankruptcy leaves a lasting impression on your credit report. When a Chapter 7 bankruptcy is filed, most, if not all, debts are canceled. This type of bankruptcy can stay on your report for up to 10 years.
Thats what it says for part of the little paragraph explaining that question, you're looking at the last sentence explaining a different bankruptcy. THe question was how long CAN a bankruptcy show on your report and thats 10 for chapter 7 bankruptcy.

Yeh, but only for a chapter 7 bankruptcy. They never indicated anything about which bankruptcy they were talking about. Nor did they indicated that they were asking for the maximum, which would lead to D being the right answer. I think they may have just had grammar problems and thought that the sentence:

How long can a bankruptcy stay on your credit report?

Meant:

What is the maximum time a bankruptcy stays on your credit report?

:\ heh

-

 

[Amused]

Originally posted by: bleckywelcky

Originally posted by: SHoddyCOmp

Originally posted by: bleckywelcky
Wtf?

For the bankruptcy question I answered 7 years, and they tell me I am wrong and give me this answer:

"The answer is D. Declaring bankruptcy leaves a lasting impression on your credit report. When a Chapter 7 bankruptcy is filed, most, if not all, debts are canceled. This type of bankruptcy can stay on your report for up to 10 years. Chapter 13 bankruptcy, in which the debtor must repay part or all of the debt under a court-approved payment plan, remains on your credit report for seven years."

Morons.

-

The answer is D. Declaring bankruptcy leaves a lasting impression on your credit report. When a Chapter 7 bankruptcy is filed, most, if not all, debts are canceled. This type of bankruptcy can stay on your report for up to 10 years.
Thats what it says for part of the little paragraph explaining that question, you're looking at the last sentence explaining a different bankruptcy. THe question was how long CAN a bankruptcy show on your report and thats 10 for chapter 7 bankruptcy.

Yeh, but only for a chapter 7 bankruptcy. They never indicated anything about which bankruptcy they were talking about. Nor did they indicated that they were asking for the maximum, which would lead to D being the right answer. I think they may have just had grammar problems and thought that the sentence:

How long can a bankruptcy stay on your credit report?

Meant:

What is the maximum time a bankruptcy stays on your credit report?

:\ heh

-

"How long CAN a bankruptcy stay on your record." It does not say, "How long DOES a bankruptcy stay on your record."

 

[Muadib]

Originally posted by: MaxDSP
You Scored:
8/8

Congratulations! You?re a credit guru!




questions were way too easy...

 

[TallBill]

6 of 8 and still a guru

 

[kt]

Originally posted by: Amused

Originally posted by: ATLien247
7/8, and a guru...

I got the one wrong about how they get the credit score. I thouht they went back for 3 months, not just the day the report was ran.

Your report goes back years. They base their decision on what APPEARS on your report the day they run it. Get it?

I'll admit, I had to read that one twice. They worded it funky.

Yup, that got me too. 7/8 because of that. I read the question too fast and thought that it was an accumulative summary.

 

[her209]

I only got 1/8 :Q

 

[thomsbrain]

6/8. not too shabby. ::shrug::

 

[rayma2]

I suck...

 

[Tallgeese]

7/8

Dumbass me misread the question about an employer's ability to get your credit report without your authorization.