question on credit score and renting a car

Submitted by sunshine80 on Wed, 05/12/2010 - 02:51
Forums
Credit repair

hi everyone! im new to this forum! wish i would've found this a few months ago!!! anyhow, my question is this- i just went through bankruptcy and am in need of renting a car- i did my research and found that hertz can do a rental with a debit card and a 300 dollar deposit and i need to pass a credit check- my score is 604- i tried to call and find out if id be able to pass but they werent able to tell me that information;. does anyone know????? im going out of town next weekend and i wasnt able to get a secure card early enough. id appreciate any feedback at all possible!! thank you very much and hope everyone has a great night!!

sunshine80

heres some more info- i did check my credit report, and it says debt 0% and credit availability is $3,000- does that mean i have available credit? i do have a student loan out and am paying that monthly.

Wed, 05/12/2010 - 03:24 Permalink
Aaron

Hi sunshine,

Can you give more details on your credit? A car rental company may run a credit check on your credit report.

Thanks,

Aaron

Wed, 05/12/2010 - 07:58 Permalink
Anonymous (not verified)

hi aaron-
what else would you like to know? i checked experian, and it said my score is 604- on the bottom it says my debt is 0% and my credit availability is $3,000 it also shows my student loan for 30,000 and that i pay monthly 269-thats all paid on time- on all the cards i had, it said 0 dollars owed because of ch 7 bankruptcy.

Wed, 05/12/2010 - 11:46 Permalink
Anonymous (not verified)

oh, forgot to say thank you!!!!

Wed, 05/12/2010 - 11:46 Permalink
sunshine80

sorry- those wer emy two last posts- i wasnt signed in-did you need any other information?

Wed, 05/12/2010 - 22:42 Permalink
Aaron

Hi sunshine,

What is your score with TransUnion? Can you tell if there are any other negatives on your credit report? You should first try to improve your score. If you can't seem to get a secured card from any bank, try to join a credit union. You will be able to get a secured card from credit union. This will help you in improving your score.

Thanks,

Aaron

Thu, 05/13/2010 - 12:07 Permalink
sunshine80

hi- sorry i didnt know you responded! on my report, it says i have 0 negatives on my report- that my credit limit is 3,000 and that its 100% available- i didnt realize i had another card that i never closed but was still in good standing- so i was told i should be fine bc i have 3,000 available- is that possible? i dont know what my score is with transunion- i only know from experianthanks for helping me aaron!

Thu, 05/20/2010 - 05:14 Permalink
Aaron

Hi sunshine,

It is very important to keep a track of your credit. Thus, you should pull your credit report at least 3-4 times a year. Check the report carefully for all the accounts that you have. You need to check if there are any negative listings like delinquencies, or late payments. You should try to go current on those.

Sometimes many discrepancies arise too. These are the wrong listings. You need to dispute these off your report, a this can hurt your credit.

You are also entitled to get free credit report once a year from www.annualcreditreport.com . This is the authentic site from where you can get your free credit report. As for the available credit limit, yes, a credit limit of 3,000 is possible.

Thanks,

Aaron

Thu, 05/20/2010 - 11:53 Permalink
crorkz matz (not verified)

T9Ygmq Im thankful for the article post.Thanks Again. Awesome.

Mon, 08/04/2014 - 10:17 Permalink
matzcrorkz (not verified)

VsoFrq Im obliged for the article.Really thank you! Keep writing.

Tue, 08/05/2014 - 11:47 Permalink