I was unemployed a few years ago and most of my debts went to collections. The only accounts that I kept current were 2 credit cards and a small personal loan. I have a job now but my hours were cut due to the recession so I don’t make enough money to pay the collection ...
What can consumers do to get credit in todays world? A critical piece is knowing about your FICO® score, how it works, and how to make sure yours is the best it can be. Fair Isaac is helping consumers through a program that delivers FICO® scores free as part of online banking statements, and free ...
My husband and I want to buy a new house in about 6 months so I want to fix my credit fast. There are so many credit repair companies out there and they all say that they can remove negative items on your credit report. Has this worked for anyone and if so, which company? ...
I’ve gone to a bunch of sites that promise a free credit report but no credit score. Are there any credit score websites that are legitimate and actually free? Thanks!! More Credit Debt Advice Refinance bad online credit report credit score | XJJXB FreeCreditReport.com Flip-Flops credit report | TrendyTwits ...
I asked a question about closing accounts for credit score reasons and have been educated on that topic. My next question is if you have open accounts that you don’t use or if you have many open, does it raise your chances for identity theft? Also how do they get your information? More Credit Debt ...
I’m going to graduate from college with about $100,000 in student loan debt, and with companies checking prospective employees’ credit before they hire them, how much of an issue is that going to be? I still have a good credit score (~690-720) and no credit card debt or car loans and never had any late ...
My credit score is about 615. I am working on improving my score so I can qualify for a mortgage loan with low financing in about a year or so. I currently have an auto loan, and 3 revolving credit accounts (All bank credit cards). Two of the revolving accounts are new, and the other ...
I am really bad with paying bills and my credit has taken a hit these past couple years. I make enough money where I should be able to pay everything with no problem but for some reason I continue to struggle. Do you think a debt consolidation would be best for me and to help ...
I’ve gone to a lot of sites that promise free report but no score. Are there any credit report websites that are legitimate and actually free? More Credit Debt Advice How to get your credit score up, and how not to care | Zen Habits Score One Against The Patent Trolls | Revelations From An ...
My current credit score is 745 and I’ve built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the absence of installment loans will prevent my score from climbing much higher. Is it true? Should I take out a consumer loan to boost my credit ...
I owe $2,654 but the company said that if I pay $1,900 as a settlement they would say it was paid in full. My question, is will my credit score go back up once I paid this amount? More Credit Debt Advice Credit Score Facts | Drama Forum Raise Credit Score Fast and Under the ...
I got my credit report today and it shows that my total credit amount is 0 and I have 6 available. After further inspection I noticed that only one credit card had reported a credit limit/max balance and that all of my credit cards hadn’t been reported since April. Is there an effective way to ...
In an age when your credit score determines not only the interest rate you get on loans, but everything from insurance premiums to apartment rentals to jobs, identity theft can be financially devastating. Learn how to minimize your chances of having your identity stolen, and what to do if it is. More Credit Debt Advice ...
My credit score is 615 and I’m trying really hard to get a motorcycle or a loan for one. Please somebody help me with a site or somewhere I can go. Please, no answers about how I should pay my bills on time to get better credit, I’m a college student I have no money. ...
I received a letter in the mail from Juniper (iTunes Rewards) stating that they have closed my credit card account due to inactivity. I opened the account about 18 months ago and have never actually used it. Can they close my account just like that without any warning? How should I handle the situation? (Is ...
If you’re checking your credit report regularly, you should be looking for more than your credit score. You should also check for mistakes on your credit report and make sure all the information is accurate. If you find a mistake on your credit report, you will want to file a dispute with the three credit ...
I recently got my first credit card and I used it to make a $1,600 purchase. The credit limit is $3,000, so obviously I’m over 50% of the balance and I just learned that’s bad for credit scores. I expect to be able to pay off the purchase in the next two or three months. ...
I have 2 credit cards on my credit report that I’ve never used. I’ve heard that the less credit you have available the higher your score will be (less cards/credit to max out). But I’ve also heard that if you close accounts it lowers your score. Should I close them? More Credit Debt Advice What ...
Is there a way to get a free credit report? I heard everyone is entitled to one free report. More Credit Debt Advice Credit Report Ads: New Rules Apply To “Free” Credit Report Advertising ...
I have decent credit but I had canceled all of my cards when trying to get out of debt. I am now free of all unsecured debt but I need to have a card so in the future I won’t be hurt by having no credit. I would like a card with no annual fee ...
I want to repair my credit. I know this usually takes some time, however, I have come into some money and want to pay all my debts in full. I’m only in debt by $3000. If I pay it off, what will happen? Will my credit score increase? I’m so clueless as to what will ...
I have a visa credit card from a credit union that has a credit limit of $15,000 and an Amex card with a credit limit of $10,000. I spend about $3,000 each month total on the two cards. I pay the full amount on time every month so there are no finance charges. I don’t ...
I have a credit score of 700 and I want another credit card. I was thinking about citi bank or bank of america. Which one should I get? I only have one other credit card from Wamu. I want a credit card that reports to the 3 credit bureaus every month. Anyone has either one ...
How much will my credit score increase if I were to pay off 50% of my credit cards within a 2 month time frame? My current credit score is 568 and Im hoping to increase it to 700 Im planning on getting a car by the summer and I want a great credit score… More ...
I recently finished paying off all of my credit cards through a consolidation program. How long will it take for my credit score to improve and are there any things I can do to improve my score? More Credit Debt Advice Life and Credit after Bankruptcy | The Bankruptcy Blog Info about credit score,housing loan,credit ...