Credit Score to Rate Companies?

We are at the mercy of Credit Agencies! How about creating a company that Rates Them and others, performance and customer service. The BBB and others do not help.

Credit Score to Rate Companies?

I beleive that on good spot on the web for consumer complaints and ratings would be excellent. Right now there are a few, but they do not rank high in the search engines and people don%26#039;t go looking for them. Here are a few that help:

www.thesqueakywheel.com

www.my3cents.com

www.complaints.com

Credit Score to Rate Companies?

DNB.com

Credit score hurt because bed debt filed with Chex systems, interesting question.?

Hi. I had a bad period with Bank of America, I owe them roughly 2k over 3 accounts. I have the money, went to the bank and they said they%26#039;d accept payment, but would not open a new account.

They have sold all 3 debts off, and I get calls from the agency they have sold the debt to. They want like 1,200 for all 2 thousand worth of debt! Do I get a benefit from paying BankAmerica directly? I pay less with the credit agency.

I know once you pay the bank, they are supposed to send something to Chex systems saying I%26#039;ve paid in full. My question is wont the debt agency send that same report? And if they do dosn%26#039;t it just make ALOT more sense to settle with the debt agency at a discount then pay BankofAmerica (who were VERY RUDE). The lady called me a deadbeat. I accept that I made mistakes, and I want to correct them.

Strategically does it make sense to give the Bank the money, despite the fact they%26#039;ve already sold the debt?? Effectively there making money of my mistakes!

Credit score hurt because bed debt filed with Chex systems, interesting question.?

Pay the collection agency only in exchange for a paid in full letter...this you take to BOA and demand they list you as paid in full with chex systems...The debt will be listed with chexsystems for 5 years regardless of whether you pay the debt off or not...

Here is a list of banks that provide second chance checking accounts...scroll to the bottom of the screen and click on your state...it gives you a free list of banks in your state that proviede second chance checking accounts...

http://www.secondchancecheckingaccount.n...

Credit score hurt because bed debt filed with Chex systems, interesting question.?

You don%26#039;t OWE the bank anymore. You now owe the collection agency. No simple way to explain it. You really don%26#039;t have a choice of WHO you want to give the money to. You can haggle and pay way less then that if you so desire. It will show up on your credit report that you settled for a lower amount. But, then again, it still shows the bad debt (that you didn%26#039;t pay in the first place) on your credit report anyway. Either way it gets much better for you after you pay the debt off. But it does NOT make much of a difference how MUCH you pay for it. So, better to pay as little as possible, right? My friend held out saying %26#039;no deal%26#039; until they accepted $1000 on a $6000 debt! I%26#039;d offer $800 if I were you. Oh, and good job trying to go back and fix what you did wrong :) I%26#039;d go to a different bank if I were you. Everyone I%26#039;ve ever known with BofA has had money stolen from their account by the bank!

Credit score hurt because bed debt filed with Chex systems, interesting question.?

Once your debt has been sold to a collection agency, it no longer belongs to Bank of America. You need to deal directly with the collection agency to work out a repayment plan.

Best of Luck

Credit score hurt because bed debt filed with Chex systems, interesting question.?

The other answers are right about who owns the debt. Bank of America will probably never do business with you again. I would try a local bank to get a checking account and a savings account at the same time. They might be more understanding.

Credit score hurt because bed debt filed with Chex systems, interesting question.?

You should definately pay the collection agenct, only if they will supply you with a paid in full letter. The specific status of the account on your credit should be negotiated to %26quot;Pays as Agreed%26quot; this will allow you to start to bounce back from having a collection account on your credit to begin with. To get another bank account, you will need to get with Chexsystems on that.

In order to do that, you can get unlimited information for free on my website. If you have a question, just ask and I would be glad to help.

There is no charge for this service, as I know how simple it is, and with little effort, you can resolve the entire thing, dispute the negative information no your credit report as well. Free letters are also on my website. The link to chexsystems information is http://www.rayscredit.com/chexsystems.ht... , the link to the letter is on that page. Just save it, and change the letter to how you need it to read. This is the same letter I used to remove over 3 negative Chexsystems listings.

Credit score hurt because bed debt filed with Chex systems, interesting question.?

Hi,

I used %26quot;Credit Solution%26quot; to settle my debt.They managed to reduce my debt 58%.It%26#039;s legitimate.I came accross this company on NBC News Special Edition.Check it out here:

http://creditsolution.easyurl.net

Credit score hurt because bed debt filed with Chex systems, interesting question.?

Regardless of who you make the payment to the bank will not be obligated to open an account with you. Just be sure to get a letter of the agreement to remove your name form the Chex system. In the event your name is not removed you can send proof to Chex system which they must check out.

Be sure to pay by money order, moneygram, western union etc. That way the payment can be traced

Credit score ranges from 672 thru 685.....?

Is this considered a good or fair credit rating? Experian calls it fair, but my husband says it%26#039;s actually good.

Credit score ranges from 672 thru 685.....?

This depends upon the industry. Banks, lenders usually consider 700 and above %26quot;good%26quot; credit. Above 720 you will get the best possible rates and fees for any type of loan or insurance. Insurance companies and employers may have a different opinion.

You may find helpful information at www.genesiscreditgroup.com. This is what they do.

Credit score ranges from 672 thru 685.....?

yes it is good, most people are 620 and up

Credit score ranges from 672 thru 685.....?

Yes, that%26#039;s pretty good. My ish is well below that..lol

Credit score ranges from 672 thru 685.....?

Techincally the reports consider anything from about 620-680 as fair.. but as far as lenders go if your score is around 680 you can qualify for most types of loans. You are considered a good risk by almost all lenders....

So all in all.. good job.

Credit score ranges from 672 thru 685.....?

It%26#039;s good, but not great. With this score, you wouldn%26#039;t get the best loan rates through my bank, but you would get pretty darn good ones though.

Credit score ranges from 672 thru 685.....?

I spoke with a mortgage lender at my bank recently. He said that anything over 680 is good.

So you are both right!

Credit score ranges from 672 thru 685.....?

780+ Perfect

720-780 Excellent

675-720 Average

620-690 Fair

Below 620 Poor

Credit score ranges from 672 thru 685.....?

The national average is 678 so you are average. Most lenders consider anything below 700 as good but not great.

Is your credit score updated daily?

for example i want to borrow 5K on my credit card without

my mortgage company knowing is there a time frame when i could do this say one week before i complete my house buy or are they updated daily sp they could tell??? for example my barclays credit card doesn%26#039;t show up on my experian statement...

Is your credit score updated daily?

If you already have a mortgage offerthe lender will not do another credit score before completion%26lt; so you will be safe in that respect%26lt; however you are legally obliged to tell the lender of any changes in your circumstances%26lt; you were also asked on the application where the deposit was coming from%26gt;

if you dont have a mortgage offer why not get a cash back mortgage from the likes of abbey%26gt; it is a very competitive product%26gt;

Is your credit score updated daily?

no it is not it could be some time before it is updated but be carefyl you dont bite off more than you can chew it is easier to borrow than to pay back

Is your credit score updated daily?

No it isn%26#039;t and at any rate money borrowed on your credit card will never be recorded on your credit score unless you miss the minimum repayments.

You will legally however have to declair any other loans or liabilities when you agree your mortgage.

Not really sure what the result will be if you don%26#039;t and it all goes wrong - but as long as you keep up repayments that will never be an issue.

Make sure you can afford to pay the credit card though - you will be looking at minumum repayments of arounf 鎷?50-200 per months (that will pay off about 鎷?0 after interest)

Is your credit score updated daily?

Yes, credit scores can change daily. I belong to truecredit and if I%26#039;ve seen mine fluctuate in a 2 day time frame. However I don%26#039;t hink you taking money off your card will report that fast, unless you%26#039;re doing it towards the end of the month.

What most card companies to do is this...If you statement close date is the 17th, whatever your balance is on the 16th is the amount they report to the bureaus for that month. So if you%26#039;ve already paid your bill for that month, I%26#039;d say go ahead because that won%26#039;t be reported til the following month.

Is your credit score updated daily?

Typically the credit inquiry from your new credit card would show instantly. So, if your file is run through a quality control check prior to closing, they could see that you inquired about a new card. You would then have to explain it, and if you actually borrowed against the new card, would have to count it against your obligations.

Keep in mind, at least in the U.S., when you close on your home you will sign an affidavit swearing that there%26#039;s been no new debt since application. Lying on this is blatant fraud, and is a jailable offense.

Tell your loan officer. Even a $5K credit card could only have payments of $150-200/mo. If you can%26#039;t add that much to your qualifying without screwing up your home purchase, you shouldn%26#039;t be borrowing the money anyway.

Does requesting a credit report from an agency lowers our credit score?

why isnt it safe to order credit reports like more than 3 times a yr

Does requesting a credit report from an agency lowers our credit score?

Only inquiries generated by you applying for credit impact your credit score. When you pull you own credit report, it%26#039;s a soft pull and has no affect on your score.

There is nothing wrong with pulling your credit report several times a year. Of course, you have to pay for it. It%26#039;s better to spread out your free reports from each credit bureau -- one credit bureau every 4 months.

Does requesting a credit report from an agency lowers our credit score?

It shows that you requested it, so it may show you know you have bad credit and want to know what.

Does requesting a credit report from an agency lowers our credit score?

It may not lower your score, but many times when you inquire for credit score, people who were pulling your records show.

Does requesting a credit report from an agency lowers our credit score?

You are allowed one FREE credit report per year unless you have been denied credit - however, every inquiry on your credit report (applying for credit cards, car loans, mortgages) counts against you for each category - for example - if you are looking for a mortgage or car loan (a big expenditure), 4 or 5 inquiries in one month would count as 1 inquiry as they understand that you are %26quot;shopping%26quot; - credit cards are not your friend - avoid them at all costs!!!

Does requesting a credit report from an agency lowers our credit score?

Pulling your own credit report DOES NOT lower your score.

Does requesting a credit report from an agency lowers our credit score?

If you mean the 3 major agencies, Equifax, Experian, and Trans union, you are entitled to 1 free credit report a year. Go to www.freecreditreport.com and you can download and print a form to mail off for any of the 3 or all 3 if you want.

Does requesting a credit report from an agency lowers our credit score?

based upon your situation,I think you should find something useful here.http://creditreport.online-helper.info/p...

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what

I have disputed alot of the but still have not heard anything. some of the accounts on my credit report have a different sodial security number and were from before I was 18. am i liable for things on my credit from before i was of age and of which i have no knowledge of. How do i fix this?

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

Big or small, note any errors and ask the respective credit agency to investigate your claim. You may be able to dispute the erroneous information online via a link from the page displaying your credit report (you can go to each of the 3 reporting agencies separately; see below) but the Federal Trade Commission recommends you put your dispute in writing and send it certified mail.

State why you believe the information is inaccurate and request that it be removed. Include a copy of your credit report with the questionable information circled and copies of any supporting documents you were able to obtain.

The credit bureau will investigate your claim and if the information is indeed found to be false, you can ask the credit bureau to send a notice of the correction to anyone who received your report in the last six months.

The FTC even provides a form letter for disputing information on your credit report and the addresses of the three credit agencies online at its Web site, www.ftc.gov.

If an investigation does not resolve your dispute, you can ask to have a short explanation, written by you, included on all future copies of the report.

Under current rules, what can you do if you just can%26#039;t get your credit file corrected by taking the proper steps of writing to major credit bureaus?

An FTC staff attorney suggests:

閳ヮ敾nder the Fair Credit Reporting Act, you can write a statement of up to 100 words stating reasons for disputing the accuracy or completeness of a credit-report item. Submit it to the credit bureau. Your statement must be added to your credit report at no charge.

閳ヮ斀hen applying for a loan, you may request in writing that the lender consider information indicating that the credit history being considered is inaccurate. %26quot;Regulation B,%26quot; which implements the Equal Credit Opportunity Act, requires a creditor to consider that information.

閳ヮ斂ou can sue the credit-reporting agency under the Fair Credit Reporting Act for %26quot;negligent%26quot; or %26quot;willful%26quot; noncompliance. Besides damages, a successful suit can also net you court costs and attorney fees.

閳ヮ斂ou can resubmit a dispute to the consumer reporting agency, but only if you have additional documentation.

The FTC staff suggests your easiest and most effective route may be to contact the party responsible for sending the wrong information about you to the credit bureau. Be sure to provide documentation of the error. Obtain a letter of correction from the furnisher. Then write the credit bureau, submitting a copy of the furnisher%26#039;s correction letter.

You quite frequently are told to go to www.annualcredtreport.com and you get one free credit report per year. I have found that if you go to each credit reporting agency separately you can get a free report at diferrent times of the year and since the agencies in general have much the same information, you can monitor changes that have taken place for the last 3 or 4 months; in that way monitoring the effevtiveness of your actions.

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

550 is bad but it can get a lot worse. if you have a cop of your credit report, address the things that are current, first off. whatever happened in the past that you think is resolved or disputed fix them. Credit Plus offers assistance fixinf these problems within 7-10 days. Credit bureaus don%26#039;t care about what you dispute and don%26#039;t really put a rush on things to fix it. So companies like Credit Plus, bug the hell out of the bureaus to fix things until they%26#039;re fixed. I don%26#039;t see how you can have stuff on your credit report before you were 18 and that might be something you want to focus on. if the different SSN%26#039;s are similar to yours then it just may have been a typo on whoever checked or gave you credit to begin with. My advice, since you have so much stuff on there is hook up with a credit repair service and have them do all the leg work for you. they%26#039;ll let you know what documents and such you%26#039;ll need and help you get them as well. it%26#039;s a big stress reliever to have someone else do it but just make sure you get someone legit to do it.

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

First you need to contact ALL THREE credit bureaus: Experian, TransUnion, and Equifax, and put a notification on your credit bureau that you are a victim of fraud. They should also be able to help you get phone numbers and addresses of the companies reporting the questionable items.

Then, you need to contact EACH company that is reporting incorrectly and DOCUMENT EVERYTHING. Send them letters, call them, do what you need to in order to have the questionable items removed. Keep a file of everything that you are doing. If you make phone calls, write down names, dates, and times of who you talked to and what about. Keep a record of what they told you. Then followup, followup, followup. Keep after them. The bigger a pain you are in their backside, the more likely they are to help you... but always stay polite but firm.

Documentation is your friend. I can%26#039;t stress that enough. The sooner you clear everything up, the less likely you will be bitten by this later.

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

dispute everything...I mean everything on there...in 30 days, do it again...do the disputes online with the individual credit reporting agencies....

then contact the creditors who are reporting the fraudulent or questionable accounts and balances and find out what their supporting documentation is...they should have something to clear up things for you.

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

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I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

You have received several really good answers here. The ONE thing I would IMMEDIATELY do is contact the three major credit reporting agencies and ask to have a %26quot;freeze%26quot; put on your credit lines. This will require any credit granting organization to contact and confirm with you directly that you are requesting a NEW credit line before it can be granted. That will generally stop anyone else from getting new credit in your name.

You will have to get your credit unfrozen before you can get any new credit.

After doing that, I would begin to follow the good advice about getting fraudulent credit removed from my credit file.

Be patient, diligent, persistent, but most of all polite. It will get things turned around. Eventually.

Best to you.

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

You have to contact the agency that has the report such as equifax but good luck it is very hard to get removed even if it is not You.! You might need a lawyer

How to increase credit score?

I paid off my credit card debt of 1500 i accrued during college. BTW, just graduated a month ago. It was the first thing i did. However, I was also told that i should continue to use my credit card. Can I just pay it off online every week to make sure that i have it paid off. Can%26#039;t i just transfer online from my account to my credit card account?

I%26#039;m also a bit confused, because i paid cash for my car. SO... i%26#039;m technically being punished for not putting up with creditors leeching money off of me per month?

Sorry I%26#039;m naive and dumb regarding my personal finances.

How to increase credit score?

From what you have provided:

-Paying off any loan that you have accrued is a plus.

-Paying everything off every week will only show creditors you%26#039;re not using the credit card. It%26#039;s best if you paid at the end of the month, or whenever the credit card company reports your information.

-With purchasing a car: if you wanted to build credit and had enough to pay off the car, then i suggest financing everything as much as possible and pay it off after 6 months. The bigger the loan, the more likely they will think you%26#039;re credit worthy when you really need to negotiate.

Other than that, there%26#039;s a lot of information online and they%26#039;re easy to understand. Keep in mind that there will be a change from FICO to VantageScore. Nothing too different other than the change in the looppole of the authorized user and the grading system; FICO is like the SAT and VantageScore is like high school grading [A-F]

How to increase credit score?

There are a few things you could do to increase or boost your credit score or credit rating. Consider the following,

a). make your payments on time,

b). use under 30% of your available credit at all times. That is, for a credit card with credit limit of $1,500 try not to use more than $450. In other words, always have an available credit of at least $1,050 on a credit card of $1,500 credit line.

Do these for each of your credit cards.

c). the higher your credit limit the better it is for your credit score. Having a credit card with a limit of $10,000 as long as you don%26#039;t chard more than 30% at any given time is better than having a credit card of $2,000.

d). you also want to keep your credit cards and credit accounts in good standing, the longer you have an account the better it is for your credit score.

You can find more free information at www.taavii.com

Hope this helps!

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and ou

His credit is bad, so the loan would have to be in my name. I am trying to wait for it to get to 660. If I wait can I get approved for a rate at least 10% or less. Can I add his income? I also have a VA guarantee but we aren%26#039;t married so I don%26#039;t think I can add his income to it. If I tried to buy now, how bad would it be? I will put 2% down and I can afford a monthly mortgage of $1200. Will someone think I am a desirable lender. I really want to have a home of my own.

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

Do things in order. Buy when you are married to someone and ready financially, at the same time, not before (unless you want to buy all on your own.) Don%26#039;t buy %26quot;with%26quot; someone you aren%26#039;t married to. Slow down, the time is not right.

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

Well, you can probably get a loan......

However, if you will forgive my saying so....

With a combined income of over $75k a year, why would your credit (or his) be bad?

Much better for both of you to pay off those old bills and get good credit before adding more debt to either of your pockets.

Also, it will be on YOUR head if you get the loan in your name, and if he is not in the habit of paying bills, you could get stuck with the payments all on your own.

Also not being married he could leave at any time so you cant depend on his income to make payments..

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

You can get a loan solely on your income if you have a credit score of at least 580. You will have to have all chargeooff%26#039;s or delinquent account paid before or at settlement. The amount you make will qualify you based on about 35% of you income monthly to pay your mortgage. The 2% down will go to your closing cost which is about 6% of the loan in philadelphia including broker fees. You will need a broker to get you a good deal. Ask for a 6% seller assist in the deal from the seller. Don%26#039;t try to get to much loan because you may end up paying it by yourself.

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

Especially since you aren%26#039;t married, if you want the lender to consider his income, they are going to run his credit as well as yours.

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

based upon your condition,I think you should find something useful here.http://homeloan.online-assistant.info/ho...

I have a credit score of 624, I make $40k/yr he makes $36k/yr. Can I get a loan with my score and our income?

Hi,

Am Franca i saw your loan request on yahoo answer which you stated that you need a loan.

I want to tell you that i was touched by your words.I want to introduce you to the lender who rescured me when i was forstrated just like you.

He is a kind hearted man who render help to people like me and you.Before i met this God sent lender i was scamed twice by fake lenders.

He is Mr John Micheal by name and you can contact him via: loaninsurance_coys@yahoo.com Tell him that i reffered you to him and he will help you get your loan with 3days.

Try and see the difference from him.

Bye and A happy new year to you and your family.

Mrs Franca

Experian credit score question?

Can anyone tell me what the starting score would be with experian for a person who has justed turned 18 and has just registerd on the electral roll. I would imagin its zero but have been told that they start you off at 500, is this true?

Thanks

Experian credit score question?

This would seem logical as the top score is 1000. Anything above 500 would be a plus whilst anything below is a negative.

What should one's credit score be to buy a house?

we have been saving to buy a house ...What score is considered a good enough score to get good rates when buying a house ..

Thanks

What should one%26#039;s credit score be to buy a house?

If you want the best rates you need to be 720+.

What should one%26#039;s credit score be to buy a house?

650+

What should one%26#039;s credit score be to buy a house?

650+

What should one%26#039;s credit score be to buy a house?

750 to 850 would give you an excellent rating and the lowest interest rate.

What should one%26#039;s credit score be to buy a house?

Is it a Bird House?

What should one%26#039;s credit score be to buy a house?

According to Wikki Answer to buy a car, you should have a 680 or better.

http://wiki.answers.com/Q/What_is_the_mi...

Your score will determine if if get a loan and what rate you may receive. Right now, people with stellar credit are having a hard time getting loans because of the high default risk.

http://homebuying.about.com/cs/yourcredi...

My credit score dropped 32 points in a month. Why is this?

I havent had any late payments. Always on time or early. My score went from 731 to 699 and I have no idea why. I do have a balance on my card but its only a few hundred dollars. Could that be why?

My credit score dropped 32 points in a month. Why is this?

No, there must be a mistake... call the bank up and see what%26#039;s going on with your account.

My credit score dropped 32 points in a month. Why is this?

If you paid your credit card down, lets say you made the payment July 1-31, you will not see the result on your credit report till Sept 1st.

Another factor could be applying for new credit. That can drop your score. Inquiries will hurt also.

Have you requested a copy of your credit file? Maybe an old debt is coming back to bite you in the rear. It could be as simple as a $20 balance on an old phone bill.

My credit score dropped 32 points in a month. Why is this?

Credit companies are very unreliable. You need to check with your bank and also get a copy of your credit report. You may need to stay on this, because the top three credit bureaus are not the most honest nor do they keep your records current. You could have a debt on there from ten years ago that they did not note as paid off.

(Before anyone boos and has a fit saying this can%26#039;t happen, bear in mind it CAN! I am fighting with three credit bureaus over a bill that was paid ages ago and they never recorded as paid. )

My credit score dropped 32 points in a month. Why is this?

This doesn%26#039;t happen very often, but there is a way your score could be lowering. When you check your credit score, you get %26quot;hit%26quot;, meaning that check goes on your score, possibly taking off points. You get %26quot;hit%26quot; whenever anyone, yourself included, checks your credit score or credit report. So you could check you score less frequently. Instead of every day, (as some do) try once a week. Getting %26quot;hit%26quot; isn%26#039;t always a bad thing, but rarely is it a good thing.

Also, see how many loans, cash advances, and/or credit cards you have applied for in the last few months. When you apply for these services, they check your credit score, often without your knowledge. (In other words, you get %26quot;hit%26quot; without knowing it.) Applying for too many services at once could very well lower your score. If none of these is the problem, contact your bank, and they will help you sort it out. Hope I helped!

My credit score dropped 32 points in a month. Why is this?

Ouch! Straight to the tank. Usually if your available credit changes or if a company has reported a change on your report (particularly a negative one) this is what would cause such a sudden change.

Remember, when you%26#039;re trying to build a solid credit score it%26#039;s important to get a comprehensive view of what is actually effecting it...

Your Credit Score (also known as your MyFico score) is calculated with the following breakdown:

35% - Payment History

30% - Credit to Debt Ratio

15% - Credit History

10% - New Credit

10% - Credit Types in Use

Well let%26#039;s not let the fall from grace be too hard first by putting a watch dog out to bark if there are any changes to your credit score/report... and you can do that using myFico%26#039;s credit score tracker --- theres a 30 day trial and it gives you all the info as it happens! check it out.

Of course you%26#039;ll probably want to see what else is going on in your credit so try some of these links to help you clean up the problem:

Will my credit score go up?

When i was 18 i got some credit cars (real bad mistake) and then not real long ago i took out some student loans. I really thought i would be able to pay them off, but my mom had something real bad happen to her and i had to quit work in order to take care of her. So, i was unable to pay my loans. they went on my credit report. Now i am able to make payments. will that show good on my report?

Will my credit score go up?

Yes but it may take sometime to repair the damage done. Just stay current on your bills and your credit score will rise. Alot of people do not realize that credit is easy to build. 1) Stay current on the bills you do have. 2) Get at least one no more than 3 secured credit cards. They will show you are managing credit if managed properly. 3) Do not close your older accounts the age of the accounts really help your score. 4) Dispute any negative especially old negative accounts. Do this only once per account becuase the Credit Bureaus do keep track of disputes. Hope this helps and God Bless.

Will my credit score go up?

yes your credit score will drop.

Will my credit score go up?

Call the student loan agency and talk to them. Maybe they will remove some of the hits they put on your credit. Keep up the payments with them and if you can%26#039;t make a payment, call them. They are totally cool to work with.

Another thing you can do (aside from keeping your payments current to everyone) is when you are getting ready to make a big purchase like a house, send a letter to all three credit reporting agencies explaining the bad payment period in you life and why it occured. They are required by law to attach that letter to your file.

Also, pre- warn your future mortgage loan officer of the bad payment period.

What credit score do you need to qualify for a corporate amex card.?

I need to get one for work and am afraid my score isnt high enough.

What credit score do you need to qualify for a corporate amex card.?

If you are obtaining a corporate AMEX card through your employer, your credit history will not matter in this case.. Employers have an agreement with credit card companies to give their employees the card, but they also stipulate to AMEX or credit card company, they will be responsible for any activity on the card.. Trust me.. I thought the same thing when I went to work for a consulting firm, but I still got approved anyway..

Debt to credit ratio/ increase credit score?

im trying to figure this whole thing out.

so say i have a credit limit on my first card, which is 500. on this months statement i had a balance of 326. so i paid 176 this month. which brings it down to 150. ive read that i should keep it at 30% ratio.

im now thinking twice that the debt to credit ratio is how much i spend that month? so this means that this coming month i should spend anything on the card because it will go over 30%.

i also have a amex with a 2000 limit. i spent 1019 and paid off 519 this month, bringing it down to 500 balance. did i do that wrong too? should i have just paid off the whole thing?

Debt to credit ratio/ increase credit score?

Keep them all under 30%. They want to see you spending reasonably and paying on time while keeping the balance down.

Paying on time is the single most important thing.

Other tips, keep the number of cards you have down, don%26#039;t apply for a lot of credit at the same time, unless you%26#039;re loan shopping for a car or home (that%26#039;s expected and reasonable and won%26#039;t affect your score).

My credit score is 530,how bad is that?

In terms of buying a house ,I have almost no debt.How can I raise my score?

My credit score is 530,how bad is that?

As you may or may not know it is very difficult to buy a house now for people with low credit scores (less than 700.) The stock markets are falling and companies are failing because they lent money to people who were not creditworthy at ridiculous rates they could not afford. So to be blunt you don%26#039;t have a lot of opportunity now as it stands, but that%26#039;s not to say there isn%26#039;t hope. First let me say that for you it may be cheaper and more financially sound for you to rent until you either get a better credit score or the housing economy improves again (which can take years). Fixing your credit score though won%26#039;t take as long so focus on that for now.

Here are my 10 steps you can use to build your credit score quickly. I raised mine to well over 700 points fro 500 using these steps in less than a year -- :

1. Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score monitoring listed on the article below. It really helped my get my score up.)

2. Never Miss a Payment, Starting Today

3. Never use more than 20% of your Available Credit

4. Keep Credit Cards that Have No Annual Fees Open For as Long as Possible

5. Extend Your Credit Limit on Cards You Already Have before You Get New Ones

6. Get Credit Cards that Have CashBack Rewards to Contribute to your Balance

7. Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit-

8. If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan

9. Take out a Small Personal Loan and Repay it Over a Year

10. Ask Someone With Good Credit if They will Account Shadow you

When you%26#039;re trying to build a solid credit score it%26#039;s important to get a comprehensive view of what is actually effecting it...

Your Credit Score (also known as your MyFico score) is calculated with the following breakdown:

* 35% - Payment History

* 30% - Credit to Debt Ratio

* 15% - Credit History

* 10% - New Credit

* 10% - Credit Types in Use

If you excel in one area and lack in another, only fixing the areas which you lack are going to improve your score.

How Can I Increase My Credit Score

http://millionster.com/articles/debt/ask...

My credit score is 530,how bad is that?

you have a very low score

try to get it at LEAST in the 700=800 rage

My credit score is 530,how bad is that?

Why is it that bad? Once you know that, you can take the proper action to improve it. Paying your bills on time and not having any charge-offs on your credit report are big pluses.

My credit score is 530,how bad is that?

A score in the 500%26#039;s would be considered high risk, which could lead to significantly higher interest rates. In the current mortgage financing crises, it would probably be difficult to even obtain a mortgage. Low debt by itself does not translate to a higher score, its really your history of payments and ratio of debt to available credit that make up the bulk of your score. For an overview of how credit scores work and what you can do to increase your score, check out:

http://www.pueblo.gsa.gov/cic_text/money...

My credit score is 530,how bad is that?

Preety low and preety bad

Question about my Credit score?

I am in the process of renting an apartment. The landlord and I have everythingin order, All she has to do is do I credit report on me. I am farly young(just turned 20) so I dont have very much credit. I pay my rent on time every month, I pay all my bills on time and have never missed a payment (cable, internet, phone) so do you think i will still get the apartment? what do you think? she said if i have good credit then I will get it.

Question about my Credit score?

You shouldn%26#039;t have a problem if you have made your payments on time. She is looking for past problems with past landlords you may have rented from (abandonment, etc.).

You can obtain a free credit report from all three credit burueas once a year now by a new law.

https://www.annualcreditreport.com/cra/i...

Question about my Credit score?

yep, you should get it. You make your payments on time and that should show up.

Question about my Credit score?

I have a great credit score so I really don%26#039;t care

Question about my Credit score?

Yes, unless you cosigned for someone on a car, furniture, or credit card and they failed to pay.

-

Question about my Credit score?

You could have gotten into a lot of trouble in the last couple of years. Kids get credit cards and go wild while they%26#039;re still in school. So I think it will be OK. Your income will be important. Bad marks are worse than light credit.

Good luck.

(I work in the business but not on the leasing end)

Question about my Credit score?

There is a difference between bad credit, and little credit.

If they took your application, and know your age, then they should already know you have little credit. No one has much credit at 20.

I wouldn%26#039;t worry about it. You should be fine, as long as your income matches the payments you will be making.

It%26#039;s nice to see someone at 20, worried about their credit score. It%26#039;s nice to know there are still 20 year olds with some independence.

Question about my Credit score?

As long as nothing negative is on your credit you should be fine. Normally landlords look for deliquent payments on anything to get a feel for it. Your score may be low, but that might be because it sounds like you don%26#039;t have any major debt - that is actually a good thing. I have an idea to help your score. Get 1 card with like a 500.00 limit. Put your cable or something really small on it. Pay it every month and keep that card that way for about a year. When your card increases your limit, and they will - simply don%26#039;t go nuts and use the card. Keep it to one small bill that is paid all the time and you will be fine.

Question about my Credit score?

You will probably get the apartment. The only thing that might be a negative for you is the length of time you%26#039;ve had credit. (You are younger than most) or if you have too many %26quot;store%26quot; credit cards, since these are seen as negatives. However, most apartments are only looking for Very negative credit, and it doesn%26#039;t sound like you could possibley be in that position. Congratulations!

Question about my Credit score?

Find out before they tell you what they found out.

Here%26quot;

Once per year free credit report from all three credit reporting agencies:

http://www.annualcreditreport.com/cra/in...

Question about my Credit score?

You can go to AnnualCreditReport.com and check oyu own credit score -- and for free! No having to give a credit card or anything!

I think it would be a good idea if you checked your credit report as well, this was you can see if there are any discrepancies. I have a popular first/last name and my wallet was stolen several years ago. I came to find out that someone opened a cell phone account in my name, ran up a HUGE bill, and then never paid it. Took me some work, but I did get it squared away.

Good luck!

Question about my Credit score?

Ususally when renting they just pull your credit to make sure no other landlords have reported anything bad about you. If a renter leaves and steals all the appliances or has to be evicted, the landlord has a right to report it on you credit report.

Question about my Credit score?

if you have paid everything on time and have no outstanding bills left unpaid, then why wouldnt you have good credit, only people who dont pay their bills have bad credit...so you should have great credit according to what you have told us.

Question about my Credit score?

you should explain to her your just starting out on your own and your just beginning to get credit.the companies you mentions will not give out personal in fro maybe she could do a personal background check you know talk to neighbors,friends,people on your job your boss and like that maybe you could give her references.good luck

Question about my Credit score?

You won%26#039;t have any problems, even if you don%26#039;t have a credit score, which in turn means that you just never had anything against you.

Good Luck and Good Housewarming

Question about my Credit score?

Ones you have a good credit score there are chances that you can get the apartment no matter what. I have a good credit score as well, last two weeks I paid off my debt. I don%26#039;t like to owe anyone. I still live at home with my parents.

Credit Inquiries from other lenders can lower Credit Score?

I have 4 total credit inquiries on my credit report; is this too much?

Credit Inquiries from other lenders can lower Credit Score?

It depends. Are they all for the same thing? Say a car loan? That is not too bad. If they are for a wide range of items and they are close together, not so good. And how long have they been there? They drop off after two years. If your score is north of 700 I would not even worry about it.

Credit Inquiries from other lenders can lower Credit Score?

4 over a few months arent bad..4 in a month might be

Credit Inquiries from other lenders can lower Credit Score?

Its a myth...I came across this info:

Credit Score Myths Explained

http://www.debt-loan-refinance-mortgage-...

Does your credit score really improve after 7 years?

I have been told by many people that if you have something bad on your credit that after 7 years it disappears. Is this true? If so what exactly do they mean by that? Do you still owe the money and it just doesn%26#039;t show up on your credit report as a bad mark or does it mean that everyone erases your debts after 7 years? I have always been confused by this theory and would just like a little clarification.

Does your credit score really improve after 7 years?

Now for the rest of the story.

Lines of credit fall off 7-years after they are paid. Collections 7-years from the date of first delinquency. Judgments 7-years, bankruptcy%26#039;s 10-years, child support, government backed student loans and tax liens not until they are paid. Inquiries 2-years.

This doe%26#039;s not mean that you still do not owe the debts, it simply means that they no longer show on your credit report.

By the time 7-years has passed the statute of limitations will have passed and the collection agency%26#039;s can not sue you. Collection accounts can not be re-aged. This is a trick that some collection agency%26#039;s use and can be contested and removed from your credit bureau if they try it.

Does your credit score really improve after 7 years?

Doesnt anyone watch Suze Orman? Watch her on MSNBC. Shes awesome. Anyway, I think they do clear after 7 years. The thing is you cannot try to contact or pay them those 7 years. If you do, you start the 7 year frame all over again. For example, 5 years have gone by and you decide to start making payments on that loan you never paid, youre scr3wing yourself by trying unless you REALLY PAY it, because you have start all over again(for things to clear). Not everyone clears it after 7 years, all companies are different(depends what kind of loan).

Does your credit score really improve after 7 years?

Normally bad debts drop off your report after 7 years. the collection agency will still continue to call you, but it will not show on your report after 7 years.

Does your credit score really improve after 7 years?

well sort of more like after 7 years somethings are removed

it depends on what and who you owe but bad and good things

are deleted after 7 years leaving most people with a clean slate

Does your credit score really improve after 7 years?

I talk to some of my credit people and they said u have to pay it off, then it can stay on your credit report up to seven years..

My boyfriend has a credit score of 630ish, why can't he get approved for credit lines?

He did have 2 lines of credit that equaled about $2500, and they were open for about 2 years but he never used them. Then they dropped both accounts last month and said he%26#039;d have to reapply. He did open a Dell account in november and the balance is 900 on 1500 max credit line, could that have affected it? He has 2 other credit cards that have been paid in full at the end of every month for 5 years.

My boyfriend has a credit score of 630ish, why can%26#039;t he get approved for credit lines?

Paying off all of your debts immediately does not help you with improving your credit. Because you should show lenders that you are a good BORROWER. Your existing report shows lender that you pay your payments in full once you have money and you don閳ユ獩 when you are financially in trouble. Therefore you are not a good borrower to a lender (you are risky and they don閳ユ獩 make money out of you). So here some stuffs I suggest to do to polish your credit report and improve your credit:

1) Do not spend more than 1/3 of your limit. That%26#039;s a rule. Say you have $500 credit limit. So do not spend more than $150 with your credit.

2) Do not pay your existing credit balance in full every month. Pay more than minimum payment but do not pay full. Say your minimum due is $10. I suggest you to pay like $50-$70 each month. Yes you should pay some interest but that%26#039;s a price to improve your credit.

3) There are lots of articles here which you can find useful to boost your credit.

http://www.howtoestablishgoodcredit.com/...

My boyfriend has a credit score of 630ish, why can%26#039;t he get approved for credit lines?

Because 630 isn%26#039;t good. 680 and up is good.

My boyfriend has a credit score of 630ish, why can%26#039;t he get approved for credit lines?

Borrow some money, then pay it off.

My boyfriend has a credit score of 630ish, why can%26#039;t he get approved for credit lines?

there are 1,750 calculations that go into a credit score

and some lenders/stores have a certain level for you to qualify

maybe 675 - for their accounts

he needs to pay his bills, on time, and not max out any credit line

he has, along with holding a consistent job

My boyfriend has a credit score of 630ish, why can%26#039;t he get approved for credit lines?

I%26#039;m a mortgage loan consultant so I know a little about this stuff but the credit reporting agencies try to keep a lot secret.

See if you can re-open the two dropped lines under the old numbers. Be nice to the person on the phone helping you. A lot of times it is in their discretion. You now have 2 two year old accounts, or at least that%26#039;s how it looks to the computer. That%26#039;s why you want the old numbers back. Then use them a little. (Get him to spend the credit on you!) Take new numbers if that%26#039;s all you can get.

You get the best FICO (the score you referred to) by paying on time and keeping your balances at 30% of the credit limit. Therefore, you%26#039;d be better off having three $1000 limit Visas with balances of 300 each than one $1500 Visa at 1000 balance. Your next %26quot;break points%26quot;, where your boyfriend goes in to the next level up, are at 640, in some cases 660, 680 and 700. Just doing these will put you over 640. Also, every time you open a new account you get points, in most cases 15, I believe. NEVER cancel an account. You are giving away points.

If you need the score to go up quickly you can get these points put on immediately doing something called a Rapid Re-score. Check your local area for credit consultants %26amp; they can help you. On the down side, every time you have your credit run more than once in a billing cycle (month) you lose points. So don%26#039;t let every Tom, Dick %26amp; Harry run it. Within a one month time frame run it once, get a copy (Don%26#039;t let them say no, it%26#039;s YOUR credit score.) %26amp; take it with you, then only let others run it again if you are sure you want the...car, line of credit, house, whatever. This can really burn you if you qualify for a home loan at 640 and then go out %26amp; get Lowe%26#039;s, Sears, Home Depot cards before the loan is funded and now your score is 638. Bingo, you no longer qualify for that loan. I%26#039;ve seen this happen.

Finally, there are three credit agencies and they all make mistakes. Therefore, all creditors base things on your middle score regardless of what agency it is.

Hope this helps. Sorry so long winded! cc

My boyfriend has a credit score of 630ish, why can%26#039;t he get approved for credit lines?

Unless there are negative marks on his report i think the reason for the low score is lack of credit history. having an inactive credit card does not give you credit history- doesn%26#039;t hurt but it doesn%26#039;t help either. I would suggest using credit to pay everyday bills if possible- Gas, electric, phone etc. then paying the card at the end of the month - (try never to go over 50% of the actual limit given by the card this is viewed as a negative and most peopledon%26#039;t know that) this will give you active credit and establish history of good paying habits and a responsible credit holder.

Note -Late payments and will always bring down your score.Applying for credit will cause a credit inquiry that will be noted on your report -too many inquiries by creditors will be viewed as negative as well. The best way to monitor your progress is to go to myfico.com they will actually walk you through and help you to establish and build your credit history (running your own credit - does not go on your report and you SHOULD do it regularly). Hope this helps.

Can an average credit score of 610 and really no outstanding debt get an unsecured credit card?

also does it hurt my credit or help me when i get a card? i only have a secured one that ive been great on for 3 years and a car loan that was never late and pay more towards principal. ive been trying to repair my credit and im wondering if now i can get an unsecured card now that everything is pretty much better?

Can an average credit score of 610 and really no outstanding debt get an unsecured credit card?

Stop, before you listen to these other guys. I have been working on my credit for a year. A score of 610 is not bad, it%26#039;s just not a the high end of th totem pole, but it will get you mainstream credit without having to get a SECURED CARD!

I have an orchard bank card....I got this 4 months after bankruptcy so I know they should either give you a much higher credit limit than $300. or you should try applying with other entities. Try a credit union. Credit unions offer the lowest rates, good friendly service, etc. They also give more personal attention and are willing to extend themselves to you more.

It will not Hurt your credit to get another card as long as you don%26#039;t have to many. You will need to have a retail card, a visa or mastercard, revolving loan (car) and perhaps a mortagage -these cover the major things that FICO looks at when scoring you other than how long you%26#039;ve had accounts and paying on time.

Check out Stephen Snyder...he helps alot of folks after bankruptcy, but overall he has the inside information on how to buy a car, mortgage and which credit cards offers better deals. Google him....

Good luck.. Let me know how this turns out for you!

Can an average credit score of 610 and really no outstanding debt get an unsecured credit card?

Try orchardbank.com

Can an average credit score of 610 and really no outstanding debt get an unsecured credit card?

You must have had a serious credit problem not too long ago or you credit rating would be higher. Get you credit history from Equifax or similar agency there may be items on your record that should have been corrected. Maybe another method would be to apply for a refund on the security you deposited on your secured credit card.

Can an average credit score of 610 and really no outstanding debt get an unsecured credit card?

Yes you can. I sent a friend of mine with a credit score of 590 to this website and he found a great card. Go to

http://www.1-800BadCredit.com In fact I just recommended this site to another friend last week and he just called to thank me. Good Luck.

Whats keeping my credit score down?

I have been trying to rebuild my credit for some time, and keep getting denied for different credit cards. I would appreciate some advice.

Can I have an old mortgage removed? I had a mortgage in 2003 and had many 30-60 day lates. Sold the home in 2003 and the mortgage was paid off. But the lates still seem to haunt me. And since this mortgage was sold a few times, and I had a second mortgage, this one house has some 4 bad credit entries for it. All paid in full at the time of the sale?

Any advice appreciated.

Whats keeping my credit score down?

Each time you apply for credit it creates a %26quot;hard%26quot; enquiry on your credit report resulting in FICO losing around 5 points. The best solution is not to apply for any credit for next six months and pay your bills in full end of each month. You cannot do much about the delinquent accounts in the past. You can get get secure credit cards and use them to create good credit history.

Whats keeping my credit score down?

Unfortunately these will stay on your report despite being paid off until 2010 (they should have a 7yr expiration). The only way to get your score improved is to continue paying bills on time and it will slowly go up.

Whats keeping my credit score down?

I deal with these questions all day... Your score is based on different components... Derog accounts, Debt Ratio, Inquires, Credit Mix. If you have maxed out your credit limits your score will go down, lates, charge off, collections, judgements will cause it to go down, how many times you apply for credit affects it. and a mix of credit ( revolving, installment, mortgage also affects it. You can get lates off, but it%26#039;s a process.... but they can come off... Good Luck

Whats keeping my credit score down?

Yes, the person who answered you previously is a very good answer. I have had troubles with my credit for years too and defiantly stop trying to get approved for more credit card!! Your credit score will eventually go up when you make your payments and get things paid off!! Good luck!

Whats keeping my credit score down?

All that late stuff was some years ago and now is losing its affect on your score so your score will start to go up as time goes by. You are going to have to start out with a credit card with high fees and rates to began with you may want to go to your local bank and ask them how to get started.

Whats keeping my credit score down?

You could use simple credit repair to get the old mortgage lates removed. Check out the free evaluation form at www.totaldebtsolutionsllc.com --They partner with a true non profit that provides a high quality service for just $125. My mom used them and her score jumped 60 points. Good luck.

Whats keeping my credit score down?

I%26#039;ve been rebuilding my credit over the past year or two and what I did was apply for a secured credit card. With that, you have to put the money down for your card. So I sent Bank of America $250 and that was what my credit limit was. Then I just used the card wisely and made all my payments on time. By the end of the year, B of A removed the secured part and my credit card became a normal card. Now my credit score is over 200 points higher (was 414 at worst). Also, stop applying for credit. Every time you do, your score drops. Just keep working at your existing credit, paying things off and making your payments on time, and you will find that your score will improve over time. There is no quick fix.

Does it affect your credit score to transfer the balance of a credit card to another card......??

There is a little more to my question than that. Is it bad to transfer a balance to another credit card once the promotional period ended on your current card? Here is my scenerio:

Had Mastercard, transfered balance to Visa for 0% 6 months. Would it be bad to then transfer the remaining balance of the Visa back to the Mastercard with a new Balance Transfer offer?

Does it affect your credit score to transfer the balance of a credit card to another card......??

I think this depends on if your balance is getting higher and higher or not. Mine got high and when I went to transfer onto a 0% interest card, they only took about half of it - then I had TWO credit cards to pay on! And there wasn%26#039;t a thing I could really do about it.

A 3 in 1 Credit score?

Im sorry that im posting this, but I dont know how to respond in open questions.

But this web site offers 3-1 score and report

http://www.myfico.com/Products/FICOThree...

Bout 50 bucks a year, but I cant clearly see if those scores are going to change regularly, as in when they change, do I get to see it, or does it happen only once a month or do i see it the minute it changes on any of them at any time through the year?

THanks

A 3 in 1 Credit score?

it will notify you when your credit score changes; there is no set time when it changes because bureau%26#039;s are always updating credit profiles etc......

A 3 in 1 Credit score?

I use transunion and pay the 15.95 a month for teh three in one monitoring. You get to see all three credit reports and your credit scores from all three CB. After 24 hrs or any alert updates you can update your reporta nd get an updated score and report.

I've got a credit score of 867 and my payments are on time will i get a 7500 loan ......?

i have 1 credit card 1 loan and 1 catalouge thats al the credit i have

I%26#039;ve got a credit score of 867 and my payments are on time will i get a 7500 loan ......?

I thought the scores only went up to 850?

I%26#039;ve got a credit score of 867 and my payments are on time will i get a 7500 loan ......?

What country and what credit score? Cause FICO only goes up to 850.

Vantage goes up to 990.

I%26#039;m sure you already know, that with that type of score you would be able to get a 75,000 loan easily, let alone a 7,500.

I%26#039;ve got a credit score of 867 and my payments are on time will i get a 7500 loan ......?

I have never seen a credit score of 867. 800 is about as high as it goes (in the US)...

You didn%26#039;t mention the credit limit on your credit card nor the amount of the loan. Revolving credit with a catalouge usually isn%26#039;t reported to credit bureaus which determine your credit worthiness. Another factor in determining whether you get a loan or not also depends on your income and the debt to income ratio...In other words with what you make can you afford to pay the rent, utilities, etc. your current credit obligations and now this new loan?

It might be hard...you are low income (if you are in the US, probably so if you are in the UK also, because I know their real estate is MUCH higher there than it is here...heck, toothpaste in the UK costs twice what it does in the US). I hate to say it.

Hey Mark, FICO scores only go to 850..look it up... I have never seen a FICO score personally ever, and I ran lots of credit reports in my lifetime...the highest I have ever seen was about 800. No one is perfect. VantageScore goes to 990 and is probably what you saw.

I%26#039;ve got a credit score of 867 and my payments are on time will i get a 7500 loan ......?

yes its possible for you to get a loan with this credit score..don%26#039;t worry its better for you to try for an online loan.lot of banks in online lend loans even you have bad credit also.i think that the below website will help you to find right solution.

I%26#039;ve got a credit score of 867 and my payments are on time will i get a 7500 loan ......?

First off, ALL these people that said the FICO scores only go up to 850, have no idea what they are talking about!

I deal with peoples credit on a daily basis, and have just recently had 2 different customers with an 875 score!

I wish people on here would know what they are talking about before they answer a question.

But anyway, you should have no problem getting a $7500 loan.

Good luck

How much will my credit score change if.......?

I remove myself as a cosigner on an auto loan that has been paid on time for 14 months. We are getting the vehicle refinanced without my name and credit. The primary person has bad credit, has that been negatively affecting my report? Will it change for good or bad?

How much will my credit score change if.......?

It will help your credit score.

The amount of debt that you are liable for is a factor on your credit rating.

Never cosign for anyone for anything.

How much will my credit score change if.......?

Read the below article

My credit score is 696 is that good?

My friend says that I have really good credit however on the rating it says fine as in okay.

My credit score is 696 is that good?

Well it%26#039;s above the national average of 675, but it%26#039;s what your credit score is made up of that%26#039;s really important.

1. Payment history 35%

2. Time in bureau 15%

3. New credit 10%

4. Type of credit used 10%

5. Debt to income ratio 30%

As you can see, 1,2%26amp;5 are the most important as far as score goes.

But scores are deceiving, I have seen people with 700 scores that could not get approved for a car loan because their score was made up of 1-credit card with a $500.00 high paid 15-times and a couple of student loans.

You really need a mix of revolving (credit card) accounts and installment (auto/home/personal) loans all with good long pay historys to have not only a good score but a good profile as well.

My credit score is 696 is that good?

Very Good..... anything over 620 is considered %26quot;conforming%26quot; and you should have no issues in obtaining credit.

My credit score is 696 is that good?

696 is good, but you need to push it to at least 720, that%26#039;s the cutoff between receiving good rates vs. superb rates.

My credit score is 696 is that good?

you have very good credit, excellent credit would be 750 or higher. but yes you do have good credit. anythin less than 600 is considered poor.

My credit score is 696 is that good?

yes . hope that is your fico score not vantagescore.

My credit score is 696 is that good?

Thats a really good score...........

My credit score is 696 is that good?

Yes very good... once you reach 720 then your in the excellent credit zone

My credit score is 696 is that good?

696 is a okay score..... here%26#039;s how you can get it up in the high 7%26#039;s guaranteed in 45 days. if you have three credit cards!! use your three credit cards balcane to 50% DON%26#039;T GO OVER 50% OF YOUR CREDIT LIMIT. once the balance is at 50% of the credit limit. pay the minimum for the following month on all three cards or pay very little. let this show on your next credit report. (if your credit limit isn%26#039;t over 50%, this won%26#039;t hurt your score.) trust me.... the following month, pay off the balance in full, including all three credit cards. this will rise your credit score 18 points per card..... trust me. your new score in June 2007 will be 750. your score will be perfect!! I%26#039;m 21 years old with a awesome score of 743. this is an old trick my grand father told me years ago to increase a credit score very high.

My credit score is 696 is that good?

yes u are up there, good job and 850 is the highest

My credit score is 696 is that good?

First skip Premium Loan Sharks. They are running a scam. Get your home loan from a legitimate business, in person. Marty keeps changing nicks, but Yahoo is trying to keep him out.

Your rating is OK. 750-800 is %26quot;really good%26quot;. You should not have trouble with loans, you are in good shape.

No credit score?

My husbands uncle was intrested in purchasing a vehicle. However when the dealer ran his SSN for credit history/fico, they were not able to pull anything up, no fico or history. Why is this? Does this happen when you haven%26#039;t used or financed something in years?

No credit score?

If he has not established credit anywhere within 7-10 years, the credit bureaus will not have any data on him.

No credit score?

Your husband%26#039;s uncle needs to establish some form of credit so this doesn%26#039;t happen in the future. No credit is almost the same as bad credit.

Open an account with one of the banks listed in the source below, or with his local bank, and start getting some tradelines reporting on his credit report.

Will combining credit cards effect my credit score?

I have a Citi Visa card since 2002 and a new Citi Mastercard with rebates which I%26#039;ve received a month ago. I like the rebate features on the Mastercard and I would like to combine both cards into the Mastercard. Will I lose my credit history on the Visa if I move the credit limit to the Mastercard and close Visa?

Will combining credit cards effect my credit score?

Closing an account will not help your credit score and may hurt it. Unless it is a fee based card, just destroy the card.

Moving money from one card to another will not affect your credit rating. You will never lose a credit history.

Will combining credit cards effect my credit score?

You will not lose the credit history. But why close the Visa if it is otherwise OK? Just don%26#039;t use it anymore.

Will this increase my credit score?

If I am added to my grandmother%26#039;s Jcpenny card that that is in good standing as a joint user? Will this increase my score. I need a 50 point increase in my score to get a home loan. My goal is November. I%26#039;ve already raised my score 64 points this year. I just need that next boost! Please help.

Will this increase my credit score?

In short, there isn%26#039;t much you can do in such a short period of time to bring your score up to where you want it. A couple of points, though.

First, do not get involved with your grandmothers JC Penny card. The best thing to do is keep your credit independent of another person unless you are married. No joint accounts.

Some people might also suggest getting another credit card. This is a bad idea for a couple of reasons. First, just applying for the card will trigger a credit check on the part of the credit card company which will bring your score DOWN a few points. Then, if you don%26#039;t actually get the card, it stays down. Second, if you get the card, it could take a few weeks to get the card and many companies will not start reporting your score until you have a balance. This could take a few months. The fact that you have a revolving credit line with a balance, no matter how small, could potentially bring the score down.

The best thing you can do is tend to any bad debts you have on your account and pay down a few other debts. Even this, though, may not increase it enough by November. It just depends on what is on your report.

You could also try a different lender. Some lenders require a minimum score to get the good rates (which is what I assume you are trying to do), but there are others that aren%26#039;t as concerned about this. The disadvantage here is that the rates are usually quite higher. A score as low at 600 is good enough for some lenders. Anything lower and you shouldn%26#039;t even bother trying to buy a home.

Here%26#039;s what I suggest. Contact a broker and have them find a lender that will work with your current circumstances. Tell them you want a 2 year ARM (Adjustable Rate Mortgage). This will get you the best rate for your score. Once you get the home your credit score will shoot up quite quickly (3-4 months) because mortgages score REALLY well. Keep paying on time and after two years, refinance on a 30 year fixed. This will not only secure you a lower rate, but your equity earned through principal and appreciation would be enough that you could potentially walk away with cash in your pocket at closing! In short, lower payments and cash in your pocket. Such a sweet deal!

Will this increase my credit score?

If your Grandmothers card has a long and good payment history and she adds you as a joint signer or co-signer, then yes it will help your score.

Will this increase my credit score?

It depends on which credit reporting agency JCPenny reports to. As of next month, one credit reporting agency will not factor in accounts of authorized users. The two other companies are phasing out the practice in September 2008. It may help if you act quickly, but it shouldn%26#039;t hurt your score if she has a good payment history and the account has been open for a long time

Will this increase my credit score?

If you are a joint, it might help but not that much. If you are just authorized, it won%26#039;t count at all -- the rules have changed on that.

I REALLY hate to suggest this because I personally think it is a bad idea to have an excess number of credit cards, but getting a new Visa or Mastercard would increase your score about 15 to 25 points, PROVIDED you don%26#039;t charge anything on it (or increase the balances on other cards). The hit for the credit inquiry would rebound before November.

Of course, the best way to improve your score, is to pay all your bills on time.

Will this increase my credit score?

It will as long as she adds you as a co owner, not just as an authorized signer. A joint owner option however is not available for american express issued cards. You can be an authorized signer until September, b/c that is when Fair Isaac is changing it%26#039;s model so that auth signers don%26#039;t have those credit cards count towards their good( or bad) credit. There is obviously more to this story though. To continue to increase your score make sure you are paying every bill before it is due, that the outstanding debt on any revolving credit line is less than 33% of the total that you can borrow(preferably even less than that), and that if you can%26#039;t get your total owed on credit cards lower than that 33% you may want to open a new card and do a balance transfer to get you under that mark. Again, there is more to it than that, but hopefully this helps.

My credit score dropped for no apparent reason, does anyone know why that would happen?

Nothing on my report has changed, no new credit, late pays, etc.

My credit score dropped for no apparent reason, does anyone know why that would happen?

There could be several reasons even if you always pay your bills on time. Never exceed 50% of your credit card limit. Always pay more than the minimum due. Don%26#039;t carry too many cards, even if you don%26#039;t use them. Every time you apply for a loan whether you actually get the loan or not it will lower your score. This is referred too as too many inquiries. Income to debt ratio may be too high. Hope this info helps.

Also a divorce will usually drop your score for a time. Another possibility is a change in jobs, especially if you also changed your field of work. For students, grades could affect a score.

My credit score dropped for no apparent reason, does anyone know why that would happen?

Have you used your credit cards? Did you have someone check your credit? Your credit score can be affected by how much you owe on your credit cards for example, if you have three credit cards all with a limit of 3000.00 dollars and you have use them so that your available credit is now only 2000.00 total them your credit score will go down because the amount of available credit has gone down, it%26#039;s really confusing with credit sometimes, I hope that this might have helped you, Best of Luck

Seeing that you added additional information and you have no credit cards, but a car loan depending on how long you have had your car loan then your score could just now be reflecking this, also this will have changed you debt to income ratio which will also effect your score, Best of Luck

My credit score dropped for no apparent reason, does anyone know why that would happen?

Did some look at your credit report?? sometimes that will make it fall..

My credit score dropped for no apparent reason, does anyone know why that would happen?

Mine went down once because I had a high revolving balance and too many inquiries! I was still paying my bills on time and more than the minimum. Then I paid down my balance big time and my score went up even higher than it was before!!

How do I go about fixing my credit score?

I got my first credit card when I started college, for use in emergencys. Halfway through the year, I had several unavoidable expenses that I hadn%26#039;t planned on, and began using the card. As I had no job, I was late on a few payments, and missed two.

I started getting store credit cards (Kohls, Macys, etc) because of the discount they gave on your purchases. Well, I wasn%26#039;t terribly responsible with those either, and missed many payments.

I stopped using them, and paid off the store cards. But recently I found my hours at work cut back, and because I was barely making rent as it was, I found myself faced with the decision-pay the credit card, or buy groceries.

I bought groceries, and instead of simply skipping a few non-necessities and paying at least the minimum, I ended up missing more payments. Now that I have found a new job, I am wondering how to go about re-establishing my credit.

How do I go about fixing my credit score?

There is no such thing as fixing credit, what you must do is re-establish your credit and the only way to do it is to build a good pay history.

Credit scores are 90% based on the last 24-months of activity so you need to pay everything early, never be late and after 18-24 months your score will be fine.

How do I go about fixing my credit score?

Ask your parents that instead of getting you a wedding gift they pay off your debt. That would help out alot. Also call the card company and see if they can lower your rate and offer you a one time lump payment. They may just lower it enough for you to pay off what you charged minus interest.

How do I go about fixing my credit score?

How do I go about fixing my credit score?

pay your bills on time every month. never be late. over a long period of time the credit score will improve.

no other way to fix it.

How do I go about fixing my credit score?

Here is a good link with lots of free information on it that should fit your needs. Everything from finance management to debt settlement and debt validation. Read over it and you can learn alot.

http://www.creditinfocenter.com/rebuild/

How do I go about fixing my credit score?

In the future, avoid missing payments altogether because that will ruin your credit. $400 in debt is really not much, so don%26#039;t miss anymore payments! The minimum payment must only be like $15 a month or so. But in order to rebuild your credit, I would suggest, if possible, put charges on your card and then pay them right off. That way you are proving that you%26#039;re responsible about repaying what you have spent.

How do I go about fixing my credit score?

I like to say first I%26#039;m glad that I never made such bad decisions in my life.

It will be some years if you want to buy a house and even then you will get crappy interest rates so wait until you have good credit even if it kills you it will be well worth the wait.

How do I go about fixing my credit score?

The importance of a good credit score can never be understated. Whether you want a loan with low interest and large amount, a gold or platinum credit card, mortgage at good terms, car loan at cheaper rates or simply have a good financial credibility -- none of it can be achieved without having a good credit score. There is no instant solution to get a good credit score. It builds up gradually based upon how well you manage your loans and financial situation. However, the credit score can degrade at quite a rapid rate if there are consistent defaults on loan and credit card bill repayments. Repairing the credit score is not that difficult provided you take these 5 simple steps into consideration.

1. Check your credit report regularly

This is a must to ensure that you know your current credit score, and what is ailing it. If there are any inconsistencies in your credit report get them corrected. Keeping bills of all the transactions you make can be very handy and helpful in correcting any errors in your credit report.

2. Get rid of those extra credit cards

The temptations to own a new credit card are so numerous in modern times that many of us end up with a purse-full of them without any real need. They stay there and cause a lot of problems in repayment. The confusion that comes with too many credit cards can easy lead to a missed payment and resulting penalties. Frequent defaults will reflect poorly on your credit score. So, keep only the necessary and discard the rest.

3. Repay on time

Every credit card transaction is a loan that has to be repaid on time with interest. Don%26#039;t ever miss out on any repayment. If you are not able to make full payments, make half, or even the monthly minimum, but don%26#039;t default. This will keep you in the good books of credit card company and help your credit score. If you are not able to pay anything to the credit card company, don%26#039;t shy away from them, call them, explain your problem and work out things so that a negative report doesn%26#039;t land up with the credit reporting agencies.

Read more from: http://www.credit-card-gallery.com/artic...

How do I go about fixing my credit score?

The best way to reestablish your credit is the simplest: Start making on-time payments again.

The best way to make sure losing your job is only a headache and not a crisis is to have cash in the bank.

My credit score is 507, 517, and 535.?

I live in Mississippi and it%26#039;s hard to purchase a house. I have things on my credit report mostley from when i was in college. I am finishing up my master degree in June, therefore I have to move out of family housing. The only aprtment that I can currently find will cost my $650 a month. I would rather be paying that toward a house. Some one please help. I don%26#039;t know what to do.

My credit score is 507, 517, and 535.?

There is really no option of 100% financing with those scores, and unless you can find a property worth purchasing that costs less than $60-70,000, your rent payment will certainly be cheaper.

Better to keep your housing expenses as low as possible, and use the higher cash-flow to pay off old debts, build up some savings, and take the time to improve your credit before trying to buy.

If you can clean up all the bad debts on your credit report, and maintain a clean credit history for 12 months after that, you should be eligible for FHA financing after that time. FHA is a great product, allows for a small 3% downpayment, and has great fixed rates. They have no minimum credit score, being approved with a 560-580 score isn%26#039;t uncommon, again as long as you can show that you%26#039;ve maintained a clean history for 12 months. Be sure you pay your rent in a way that can be directly verified, ideally with cancelled checks. Also, FHA will want to see 2-3 additional credit tradelines you%26#039;ve been paying on time as well. If you can%26#039;t get credit cards or other loans that would report to a credit bureau, and with those scores you likely can%26#039;t, they%26#039;d look at your utility bills, phone bills, cell phone, insurance, whatever you pay monthly. So be sure to be mindful of that, and never pay any of your bills more than 30 days past the due-date, and you%26#039;ll get a sweeeet loan in 12-18 months, saving you thousands of dollars per year over what you might pay in a subprime loan.

There really is no hurry to buy right now, as the housing market is still relatively flat. You won%26#039;t be missing out on any gains in appreciation of the home. Who knows? After all this subprime foreclosure stuff runs its course over the next year or two, home prices might be lower still. And you won%26#039;t have put yourself into a high-rate, high-risk loan that might end up burying you in bad credit for years to come.

Who credit score is the factor?

When you are a applying for a loan with a cosigner, who credit is primarily used to determine the interest rate?

Who credit score is the factor?

Cosigners

Who credit score is the factor?

To find out specifically what you must do to raise your score, you can order your score report from all three national credit bureaus. In addition to your score%26lt;!--you%26#039;ll get your credit report, an indication of how your score ranks nationally and an explanation of how you can boost your standing.

http://badcredits.awardspace.com/credits...

In order to improve your credit score, it%26#039;s important to know where you stand currently. Despite all the media attention given to free credit reports--%26gt;you still have to pay to find out your credit score, the three-digit number ranging from 300 to 850 that is the key to your borrowing costs.

Who credit score is the factor?

the cosigner

My credit score is 480 how long till I get to 620 or something reasonable?

I%26#039;m a dumbass and ****** my credit but I got a cell phone some how and I went from..wait for it... 419 up to where I am now 480 and this was just paying my cell phone bill on time for likE 4 months so I somehow got an auto loan and was wondering if I paid on that for 6 months 7 months would that raise me I%26#039;m trying to get to 620 so I can be like a regular american how long will that take?

My credit score is 480 how long till I get to 620 or something reasonable?

It could be as little as 30 days if you know how to work the system. Basically, take a close look at your credit report. Anything that says you were more then 30 days late, dispute it with each of the TRW companies. Say that those items %26quot;were never late.%26quot; Any collectors on your TRWs, say that those accounts %26quot;are not your accounts.%26quot; If they no longer have your account, they cannot contest this and you can have them removed thereby bringing your credit score up.

After you have disputed these items, the TRW companies will begin an %26quot;investigation%26quot; where they will contact the creditors and ask them to verify if your dispute is accurate or not. If they do not respond, the item is removed forever and your score will go up.

Other ways to get your score up...is 1) never close credit accounts if you can help it, 2) pay within 30 days (even if it%26#039;s late, as long as it is not 30 days late, it will not be reported), 3) keep your balances to 35% or less of what you owe (example would be...owe no more then $3,500 for every $10K of credit you have), and 4) get different types of credit.

Cell phones and utilities to do not affect your credit because they are not credit items...they are pay as you go items. Only the auto loan will affect your score.

I recommend going to Citibank.com and applying for a credit card. They are the largest bank in the US right now and fairly easy to get a card with. Plus, they have great rewards.

Check out the website below to see how your score is determined. Good luck and...

Hope this helps.

My credit score is 480 how long till I get to 620 or something reasonable?

if you have no more blemishes....

you can figure on at least 3 years.

but not even 1 late fee........

My credit score is 480 how long till I get to 620 or something reasonable?

It might be different for you because you have negative items on your report but I went from having no credit to over 700 after one year from buying a car.

My credit score is 480 how long till I get to 620 or something reasonable?

It really depends on your credit. Honestly your cell phone probably did not help your credit score. I don%26#039;t know any cell phones that report to the credit reports.

You have three credit reports so you have three scores. You need to rebuild if your wanting to raise your score. I have a few options if your interested.

ryan@robertscreditgroup.com

My credit score is 480 how long till I get to 620 or something reasonable?

Pay off all your debt and your score should go up..

My credit score is 403. what does that mean?

i don%26#039;t understand the credit rating system.

My credit score is 403. what does that mean?

do you know what pits are in fruit == that is like your credit score in the pits -- could not get much lower!!!

My credit score is 403. what does that mean?

Unfortunately, it means that you have a lot of work to do. Check your records for inaccuracies and dispute anything that needs to be corrected. Don%26#039;t be discouraged you can pull that up in about 2 years.

My credit score is 403. what does that mean?

It means you don%26#039;t pay your bills.

My credit score is 403. what does that mean?

403 is extremely low and means that you will pretty much be guaranteed to need a co-signer for any loan you get. The score gets low like that if you have done nothing to establish credit or you have not been paying your bills.

My credit score is 403. what does that mean?

403 means you cannot buy a house . Maybe a car from a place that finances where u buy at a very high interest rate.You may have public records, many lates, much derogatory information. You need to get a copy and see how accurate the info is. But it is a very poor score.

My credit score is 403. what does that mean?

that is a bad score. Excellent credit is in the high 700-800 range although good credit is still somewhere in the high 600 range. Go to this website and you will find alot of great information on how to help your credit score! Good luck!!

http://www2.oprah.com/money/debtdiet/mon...

My credit score is 403. what does that mean?

bad credit

which it will make it harder for you to get a loan, buy a house, buy a car, get a money loan and your interest would be higher.

if your have credit cards, and pay them at their regular basis and dont know why you have that score, I would recommend you to go to the credit report agencies to ask for a credit report

www.equifax.com

www.expirian.com and

transunion 1-800-680-7289

the credit reports are not just good to see your score but also to find out if someone else is using your information to get credit. Another thing, if you find some mistakes on your credit report, they give ya the chance to fix those mistakes.

My credit score is 403. what does that mean?

It means your credit is poor. It also means any bank that agrees to loan you money will pretty much rip you off giving you an intrest rate of about 20% plus. And that will increase your payments.

My credit score is 403. what does that mean?

It%26#039;s a low score. Credit scores range from 300 to 850. 650 and above is considered good credit.

Get a copy of your credit report and make sure that the information reported is accurate. If it%26#039;s not, you can dispute the incorrect information but be prepared to show proof. If it is accurate, be prepared for tough time trying to get a loan. If you get a loan, be prepared for the sky high interest rate and fees.

My credit score is 403. what does that mean?

Your credit history is dismal. Talk to a credit counselor.