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Old 08-11-2006, 11:31 PM   #1
keefe007
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Report to Credit Bureau

Is there any way I can get Sprint to report my payment history to the credit bureaus? I've been a customer for 7 years and have always paid on time so it would really help out my credit. Has anyone ever been able to do this? I know Verizon is now reporting everyone's payment history by default.
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Old 08-11-2006, 11:40 PM   #2
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Quote:
Originally Posted by keefe007
Is there any way I can get Sprint to report my payment history to the credit bureaus? I've been a customer for 7 years and have always paid on time so it would really help out my credit. Has anyone ever been able to do this? I know Verizon is now reporting everyone's payment history by default.
i thought is is a fed law requiring rent payments etc............ to be reported
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Old 08-11-2006, 11:45 PM   #3
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Originally Posted by goodiemob
i thought is is a fed law requiring rent payments etc............ to be reported
Utilities don't really report, unless it is to report delinquencies...
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Old 08-11-2006, 11:48 PM   #4
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Utilities don't really report, unless it is to report delinquencies...
so,how do ppl suppose to build credit when they cant get any?
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Old 08-12-2006, 12:16 AM   #5
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You could get a $500 secured credit card from your bank almost guaranteed and build credit from there. Target usually will give you a Target Redcard or a Target Visa if you have at least a debit account and apply online. Use those things wisely and it'll sure help. A gas card might help too.
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Old 08-12-2006, 12:19 AM   #6
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Originally Posted by goodiemob
so,how do ppl suppose to build credit when they cant get any?
Many companies are willing to accept the risk of "new credit" customers, just with lower limits starting out. As you prove your reliability, they will then start increasing your limit. Once your limit starts increasing and your credit history lengthens, so long as you keep balances low, your credit score will increase. With increased credit score, length of credit history, and stable employment, more opportunities for credit become available.
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Old 08-12-2006, 12:22 AM   #7
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Originally Posted by jes
Many companies are willing to accept the risk of "new credit" customers, just with lower limits starting out. As you prove your reliability, they will then start increasing your limit. Once your limit starts increasing and your credit history lengthens, so long as you keep balances low, your credit score will increase. With increased credit score, length of credit history, and stable employment, more opportunities for credit become available.
but,they also charge higher interest rates too.which isnt fair to me
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Old 08-12-2006, 12:28 AM   #8
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Still i think its unfair that companies can report negative things. but they are unwilling to report positive things
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Old 08-12-2006, 12:28 AM   #9
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but,they also charge higher interest rates too.which isnt fair to me
Unfortunately that's the trade-off until credit history is established. Charge higher interest to make more money off of the consumer now in case he/she defaults and doesn't pay it back later. Best practice in those cases is to only use that portion of the credit you need and keep the balances low.
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Old 08-12-2006, 12:55 AM   #10
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Unfortunately that's the trade-off until credit history is established. Charge higher interest to make more money off of the consumer now in case he/she defaults and doesn't pay it back later. Best practice in those cases is to only use that portion of the credit you need and keep the balances low.
trade-off? are u nuts? that is legalized loansharking to charge ppl more $$$ just b/c they have no credit history is wrong and immoral,even then ppl are still charged high rates when they have"established"credit.this is too prevalent in"minority" communities,they are preyed upon by lenders who charge them high rates,

Last edited by goodiemob; 08-12-2006 at 12:58 AM.
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Old 08-12-2006, 12:59 AM   #11
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trade-off? are u nuts? that is legalized loansharking to charge ppl more $$$ just b/c they have no credit history is wrong and immoral
Ummm... how is it immoral to charge more based on risk? They are selling money, and they want a guaranteed return. A person with a better credit history is more likely to return and is therefore charged less.
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Old 08-12-2006, 01:02 AM   #12
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Ummm... how is it immoral to charge more based on risk? They are selling money, and they want a guaranteed return. A person with a better credit history is more likely to return and is therefore charged less.
and those ppl with better credit history file bankruptcy too,so what is ur point?so u think it is OK to charge poor ppl 20-30% interest?and look at the inner city,mostly poor ppl use payday lending services,they charge anywhere from 100-400% interest on $500, based on risk?i dont think so it is loansharking plain and simple,and you have about 2 weeks to pay it back.

Last edited by goodiemob; 08-12-2006 at 01:06 AM.
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Old 08-12-2006, 01:05 AM   #13
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and those ppl with better credit history file bankruptcy too,so what is ur point?so u think it is OK to charge poor ppl 20-30% interest?
Why do you insist on bolding everything? If the poor people have crappy credit, sure.
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Old 08-12-2006, 01:08 AM   #14
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poor ppl have crappy credit b/c they cant get any,scamming those w/o is the name of the game?
Quote:
Originally Posted by ryatziv
Why do you insist on bolding everything? If the poor people have crappy credit, sure.
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Old 08-12-2006, 01:12 AM   #15
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poor ppl have crappy credit b/c they cant get any,scamming those w/o is the name of the game?
The name of the game is capitalism. Get over it.
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