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  • Open Question: I am in debt and need a $15000 personal loan but have bad credit.?

    With the loan i am able to pay 1000 a month for it. I have been turned down by the bank because of my credit score which was ruined by a past discretion that is long gone. any ideas?

  • Open Question: Pulling credit score affects credit score? true?

    I have a credit card with CreditOneBank and they pull my credit score every month to show me what it is... now they don't show me the report, just my credit score -- does that lower my credit score by them pulling it every month?

  • Open Question: Can someone help with m car loan?

    I made a payment in July, CitiFinancial gave me a confirmation number and everything. They called in August and in July and said we were late, I explained I thought it was paid and why I thought so. They said ok and they would defer the payment and put it on the end of my payments. Then I see a 30 day late tag on m credit report and m credit score dropped 123 points! Now I am having to dispute the problem because m loan company will not take it off. Now I am having problems with this months payment. They handed off my loan to another company called Santander Consumer USA, which say my payment is 9 days late. I have been financing my truck for over a year with perfect payments! My wife's car for 3 years with perfect payments. Can I do something about the loan company? I can't re-finance because my credit score is too low now? What do I do? What I want to do would put my in prison for 20-99 years... Someone must have a suggestion...

  • Resolved Question: Question about scam job offer?

    Hi, a few days ago I received an email from s.fisher@hiringstaff.net to let me know that I'm in process of starting the job but they need some information about my credit score. That's the email: Hello, We have reviewed your application, and would like to move onto the next step of our employment process. Recently, the distribution center was fined for having illegal workers. Therefore, they are asking us to prescreen all possible candidates to prevent this from happening again. We are asking all candidates to submit a current copy of your credit score to go into your employment file. Your credit report/score will not matter, as it's rather an easy means of verifying your identity and valid citizenship in the US. Below will be a link to obtain your credit score for $1, and once done so, we will be noticed and process you for an in person interview. We are hiring 6 workers, but please act promptly, or the job might be taken. You will need to bring 2 forms of identification with you to the interview. Your score can be obtained here: http://jobverify.net/whjob1059.html We appreciate cooperation, and hope to see you for your interview soon. Sandy Fisher Hiring Staff Recruiting Team And I was so studied to give all my information like SSN, Full names, birth date and everything to this scam and now I don't know what to do, please give me some advise!

  • Open Question: Can someone tell me how credit scoring works? How much should I spend?

    I've looked online and didn't find what I was looking for. I only have a credit card. Can someone tell me of a website (or book) that explains how I can raise my credit score? Also, I was wondering how much of my credit limit I can use? I have a $500 spending limit, but I read to only use around less than 30% (or 10%). The highest amount I reached last month was around $120, but since I paid it off before the statement came, my statement only asked for $3.20. Is the 30% the highest amount reached or the amount in the statement? Please and thank you for answers!

  • Open Question: My credit report states that I'm 30 days or more late on a payment..?

    But I keep track of everything I owe very carefully and am up to date on everything. The credit report also does not show any accounts I have as being paid late...or being owed money. (I'm using the freecreditreport.com membership). How the heck can I figure out what I owe?? I'm going nuts thinking about how my score is probably 100 points lower than it should be because of some measly payment! Not a contradiction* When I sign in, it STATES, in words, that I am 30 or more days late on a payment. It is simply a statement under the category of, "Negative Factors Contributing to Your Score." BUT, when I actually look at the real report (It is just Experian), nothing shows I am late. So which one is it!

  • Open Question: Credit score when buying a house?

    Me and my husband are hoping to buy a house. The only problem is my credit sucks but his is fantastic! I was just wondering if anyone had the same situation as im in with any information, and how badly its going to effect us in buying a house. He just got out of the Army and is eligible for a VA loan. Thanks for any of you help! =)

  • Open Question: Bad Credit Score and Invasive Procedure Done Will Disqualify Me?

    I attempted to join the AF a little more than a year ago. My recruiter had told me to lie about a possible medical problem, but at MEPS I ended up telling them about it because I didn't want to start off on a lie. They asked for a note from my civilian doctor saying it was OK for me to go through Basic. My Dr. wouldn't do it until he did an invasive procedure first to make absolute sure everything was OK. Now, more than a year later, the procedure has been taken care of and I've been cleared medically. However, now I am in debt by $7,000 and my credit score sucks. Am I right in assuming that when I reapply to join the AF, my recruiter and I will have to refill out all the paperwork and do another credit check? My score was perfect last time he checked it and I'm concerned that after all this work medically, I'll be disqualified for a credit score that plummeted and that I had an invasive procedure done that found nothing wrong with me!

  • Open Question: Can we still get a home loan with a Credit Card charge off?

    Credit score in the 670-690 range, annual household income of about $90,000. Very little debt (will be gone completely in 3 months), but I just checked my wife's credit report and she has a credit card account that has been charged off in 2005. It doesn't give a balance due, and is labeled as closed. We were planning on applying for home loan in the next 6 months to a year. Will this Charge-Off keep us from getting one? had some rough financial times around 2005, and as a result have a few "settled" accounts still on my credit. I have new credit cards (2 years) and have been on-time every month with those, but the limits aren't high. I do have a credit-monitoring service, and they list my lack of high credit limits, as well as I have one payment plan student loan that I have been paying on for 5 years (done this month!) that still shows as late every month, because I was 180 days late 5 years ago. It seemed harsh to me too, but that is how they have labeled it every month since then, 180 days late.

  • Open Question: Can I transfer into Boston College, Northwestern or Notre Dame?

    I'm a community college student and I'm Cuban American. This is my 3rd year in college and 2nd in community college. I tried to transfer last year but I got rejected by NU and waitlisted by BC (rejected) Didn't apply to Notre Dame. I was an average HS student. lazy. 3.3 GPA on a 4.0 scale and I had lame SAT scores (600CR/580 Math/720 Writing). Since then I've retaken the SAT in June and got a 760 on the Critical Reading section and 20 points higher on the Writing 740. But my math score was still bad 640. I'm REALLY not a math person, I've only taken 1 easy math class in college cause of my fear of getting a C or worse in a college course. Btw! I also took 3 SAT Subject Tests over the summer since I never took them in HS. Literature- 680, U.S. History- 710, World History- 720 My college GPA is a 3.8 and I've taken 70 credit hours so far. Do you give me a good shot of transferring into NU, BC or Notre Dame? I haven't gotten a grade lower than a B since my sophomore year of HS and there were serious domestic problems I was having then I'm a History major btw

Raise My Credit Score With Help From Google Blog Search

Get My Credit Score Info From MyCredit-Score.Org

  • Let’s Stop Praying to the Credit Score

    Mortgage brokers, and those hoping to buy homes, are disgusted by the preeminence of the credit score in “scoring” a home loan today. According to an article, in Friday’s New York Times, this overemphasis on credit scoring in the home mortgage market is not helping the economic recovery either, because people just cannot qualify for [...]

  • How closing credit cards affects your credit score

    If there are old merchant cards and other credit cards taking up space in your wallet, you may be tempted to close those accounts, since you don’t use them anymore. However, that would be a bad move for your credit score. Even though you’re not using them, those old credit cards are helping your credit [...]

  • The Wide Impact of Your Credit Score

    When you apply for a loan from a creditor, one of the first things that he will want to see is your credit score. If it is not high enough he may refuse you the loan outright. Alternatively, he may give you the loan, but at onerous interest rates or conditions. When looking for a [...]

  • Are You Unintentionally Hurting Your Own Credit Score?

    NationalCreditReport.com, a leader in credit report, credit score and credit monitoring services, reminds consumers that there are many things that might seem like a good idea when working to get a good credit score, but consumers should do their research before taking any steps that might cause credit report damage. “There are some common mistakes [...]

  • Learn From These Credit Score Success Stories

    It can happen to anyone: Miss just a credit card payment or two and the next time you check your credit score, you’re stunned to find a low number that makes lenders shun you. But with patience and discipline, you can move that score from the depths to the stratosphere. We talked to several people [...]

  • Need to fix a bad credit score?

    New reports out show that about 43-million of Americans have a credit rating so poor that getting a loan is much more difficult, and when they do much more expensive. “It can affect your borrowing costs, the amount you’ll pay to finance cars or homes or, certainly credit card rates,“ notes Morningstar Financial’s Christine Benz. [...]

  • FICO scores drop nationwide

    A new home, a new car, even something as simple as a new credit card, all becoming harder for Americans to obtain. Glenn Reynolds, Vice President and Mortgage Loan Manager for Arvest Bank, says, “Ever since the financial situation started in the last two years they’ve tightened up the minimum credit score to be able [...]

Get Help To Find My Credit Score From KnowMyCreditScore.com

  • What is the minimum credit score required to get a Amazon Visa Rewards card?

    I am 20, and according to Experian, my credit score is 712. According to Equifax & TransUnion, my credit score is 700. What is the minimum score required to get that type of card. Also, what is the credit score required to get a Amazon Store Card? I already have a credit monitoring program. I don’t [...]

  • Has anyone living in the houston area ever used impeccable credit for assistance in credit repair?

    I heard about Impeccable Credit in the Woodlands on a Channel 39 News special. They promise for a flat rate of 750$ they will repair your credit. The establishment has been there for some time and based on the news report they seemed legit. I would just like to know if anyone has actually used [...]

  • What is the minimum credit score needed to obtain auto loan?

    I plan to purchase a new car however I wanted to be approved for a bank loan before I go to the car dealership. In our area, Chase Bank is offering rates of 4.4% at the most. What is the minimum credit score needed to be approved. I don’t want to go around applying for [...]

  • What matters more the credit score or the contents of your credit report?

    If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won’t really care about much else? In the end it would be up to [...]

  • How do you get a free credit report with a credit score?

    I have requested and received free credit reports from all the 3 credit agencies, but none of the reports include a credit score. Are they required to send you your score. I did see a link on one of the sites that asked for $12 to get my credit score and not just the credit [...]

  • What does my credit score have to be in order to finance a car?

    I have recently paid off everything on my credit report. My credit score is slowly creeping up. I, like a lot of people, screwed up my credit when I was younger and am paying for it now. My Scores range from 579 – 618. Can someone give me some feedback please? Financed cars is more expensive [...]

  • What?s the importance of knowing your credit score when the creditors run your credit anyway?

    When I apply for loans and tell the creditors what my credit score is they still run my credit. All the reports I read talk about the imporatnce of knowing your credit score and that’s fine. But what’s the importance of knowing my score when the creditors run it anyway? Also, how do we know [...]

  • How come my credit score was Zero after Bankruptcy Discharge & how can i build my credit?

    I filed bankruptcy in 2008 and discharged same year. My Credit Score is still Zero, How can i rebuild my credit score again. I got a 2 secured credit cards, 1 from USBank and the other from Golden1 Credit Union. Go to your bank and ask them about a secured card. Make sure it reports to the [...]

  • How do I keep a 783 credit score nothing owed on my credit?

    I have paid all my debts off. I have a 783 credit score. Do I need to keep a couple of my credit cards open using them maybe once a month to keep them active to keep my credit score the way it is. I don’t want it to go down by not keeping [...]

  • How do I acquire my free credit report I am entitled to?

    I just tried by logging on to the free credit report link. I filled everything out but then they asked for my money. How can I still get my free credit report? if you are looking for the free credit check usa national site, check out this site http://Free-Credit-Check-National.com/ Here you can check your free credit score rating [...]

Does Debt Settlement Affect My Credit Score

  • Information Provided With Credit Reports

    By now, you should have seen or at least heard of the government program ensuring every American has access to free credit reports. Every year, you can access your credit reports with Equifax, Experian and TransUnion free of charge through the government’s free credit report Web site. Be sure to print copies of all three [...]

  • Uncovering the Secrets of Your Credit Score

    When it comes to credit scores, some things just don’t matter – and others matter a whole lot more than you may expect. Although the exact calculation used to determine your credit score may never become public knowledge, patterns have emerged which provide clues to the mysterious calculation based upon the whims of big-wig financial [...]

  • Can You Get a Totally Free Credit Report?

    Yes! Though the Fair Credit Reporting Act has been around since 1970, a new amendment as of 2003 gives consumers the legal right to obtain one free credit report from each of the three credit bureaus each year. You may receive a 3-in-1 report to compare and contrast your reports at the same time; or [...]

  • What is an Experian Credit Report?

    There are three American credit bureaus that hold your financial records: Equifax, TransUnion and Experian. They collect information about you regarding how you pay your bills, how many loans you take out, how you repay those loans and how risky a borrower you are. If you wish to take out a mortgage, student loan, auto [...]

  • How to Get Your Equifax Credit Report

    Why should credit card companies, mortgage lenders, auto loan establishments and prospective employers have access to your financial history if you don’t? This was the idea behind the Fair and Accurate Credit Transactions Act of 2003, which said you’re legally entitled to get a free copy of your credit report from each of the three [...]

Why Is My Credit Score So High

  • Question: Why is my credit score so high?

    Why is my credit score so high?

    Back in Freshman year in college, I naively signed up for 6-8 credit cards in a promotion to get a free t-shirt with a passed out Curious George on front. I subsequently cut up the cards they sent me and ignored the accounts. It wasn't until two years ago (5 years past) that I learned about credit reports and freaked out when I saw how many open unused accounts I actually had. I closed nearly all of them. Now I've just checked my report for this year and my score is surprisingly excellent. Does my credit score not depend on the fact that all my former accounts had a $0 high balance? Aside from those, I only have one legitimate credit card, a few store credit cards, and a student loan. Also, should I try to have those unused and closed accounts removed from my credit report as they don't actually reflect anything? I hesitate to do this as I wouldn't want my credit to go down.

  • By: bingo

    Uh...the main reason your credit score is so good is because, unlike most Americans, you don't owe a shitload of money to a shitload of companies, you haven't written a shitload of bad checks, and you haven't been called on by a shitload of collection agencies.

  • By: Gordion Knott

    Actually, I'd change "unlike most Americans" to "unlike *some* Americans" in bingo's extremely on-the-mark comment above.

    The majority of Americans don't have deliquent accounts, which is why it takes more than being an on the time guy to get the best credit.

    You need to have low or zero balances, like the poster, or a minimum of revolving lines of credit, etc.

    Stay on time, and try to restrict borrowing to mortgages and student loans. That seems to be the key to good credit scores.

  • By: poppo

    While having too many open accounts can negatively affect your score, it does not affect your score in the long term, like delinquencies or bankruptcy.

    In other words, if I open ten accounts today, my credit score will go down. If I close them tomorrow, my credit score goes back up immediately.

    However, if I am late paying my credit card bill for three months, my credit score will go down, and I will not get those points back for some time, I'm not sure how long.

    Other things like charge-offs and bankruptcies stay on your record for seven and ten years.

  • By: pinksoftsoap

    I guess my question should have included: "Was it due to my opening up so many accounts years ago that caused my credit score to be surprisingly high or did they not affect it at all?"

  • By: phearlez

    That's a common impression of the debt loads that the average American carries and it's just not true.

    MyFICO shows how the score is determined right on the front page. You have a good combination of payment history (since an account that you never charged anything on shows Paid On Time month after month), good length of credit (assuming you didn't cancel ALL the accounts you've had for that good long time) and good utilization (under 30% of your total credit lines).

    You could have a BETTER score if you were in the 10-20% utilization range (which you might, considering your student loans) but you probably shouldn't mess with it. A closed account with a positive payment history should be left alone. It's possible to micro-manage your score but if you don't have an imminent home purchase coming up you should probably leave it be until such time as you have a reason to get something removed.

  • By: epugachev

    I guess my question should have included: "Was it due to my opening up so many accounts years ago that caused my credit score to be surprisingly high or did they not affect it at all?

    The length of your credit history can affect your score (paying your bills for 5 years says a lot more than about your creditworthiness than paying them on time for 1 month), but it was my impression that inactive accounts (e.g., credit cards that you never used but kept open), after a certain amount of time, affect your score neither positively nor negatively. So your credit score is most likely high because you have some debt (student loan and some credit cards you do use) and you pay it off in a timely fashion.

    Standard advice seems to be to never close credit cards because of the effect of your average account age on your score, but as I said, since you never used those cards, closing them probably didn't affect you either way. Opening them probably caused your score to dip at the time, but surely that effect is long gone. And I'm not sure you can get them removed from your credit report, even if you tried. My understanding is that items are only removed when they don't belong there--and it seems that these accounts do belong there, as you signed up for them.

    Discussions of "why is my credit score like this?" tend to be fraught with speculation, as the algorithms used to compute credit scores are proprietary.

  • By: yeoz

    There's generally no reason to remove old closed positive tradelines from your credit report, as, they can still provide age. I don't believe removing them will help your score at all.

  • By: scazza

    In other words, if I open ten accounts today, my credit score will go down. If I close them tomorrow, my credit score goes back up immediately

    That is actually not true. Having a long credit history is actually desirable. So closing credit cards rather than keeping them open with a low balance, results in lowerig your score. Someone with a long credit history and many credit cards has a better score than someone who never had or doesn't have any credit cards.

  • By: croutonsupafreak

    Which credit reporting agency did you use? I recently requested mine through Transunion and was shocked at how hight my score was -- until I realized it was out of 950, for some reason. Normally they're out of 850.

What Is My Credit Score

  • 6 Textbook Saving Tricks

    When I was a student at the University of CA, Santa Cruz, I’d flock to the campus bookstore with hundreds of other college kids on the first day of classes, throw every required book up on the counter (without glancing at the prices—they were required!) and pull out the plastic. I spent thousands on books [...]

  • No Emergency Fund Needed?

    After college, I was waiting tables by night, living the good life of a 20-something in the city by day. Cool roommate, cute dog and a little spending money to boot. Then one day, my dog ran into the street and was hit by a car. She needed a $2,000 surgery ASAP and I had [...]

  • How to Kick a Bad Spending Habit

    Do you have something you like to splurge on, even when it’s not the best idea? Whether it’s eating every meal out, picking up all the latest gadgets, or hitting the mall for shoe-buying sprees, your splurges could be costing you more than you think. Curbing the habit can help you build your savings and [...]

  • 15 Dates on a Dime

    Picture this: You’re on a tight budget and you have plans with someone you’re really into. Should you head to the florist, make reservations at a 5-star restaurant and throw it all on the card? No way, dude! Racking up debt will have a negative impact on your financial future (and it’s not all that [...]

  • 10 Tips for Young Entrepreneurs

    If you were born with the urge to be your own boss, sell a great idea or make it big, you’re not alone. Some of the most successful businessmen and women out there started with just a great idea and a drive to make it happen. If you’re considering going the entrepreneurial route, here are [...]

  • Should you Lend Money to Friends?

    We’ve talked budgeting, identity theft and college loans. Now onto a touchier topic — borrowing and lending between friends. A close pal needs help with a car down payment, or your well-to-do roommate offers to lend you cash for a trip. It’s a topic we’ve all pondered at one time another: is borrowing and lending [...]

  • 10 Ways to Save on Summer Trips

    Hello summer. Hello sunshine, flip-flops, trips to the beach, fresh fruit at the farmer’s market and family barbeques. For a lot of us, the season of sun is also the season of getaways and vacations. Before planning yours, check out these tips for going far and having fun — without breaking the bank. 1. Know [...]

  • Surprising Credit Stats — and How to Turn Them Around

    When used wisely, those little pieces of plastic in your wallet can do you good. They’re not just handy on trips and fun to whip out at restaurants and stores — they’re a great way to build the credit you need to rent an apartment, buy a car or get a home. But many of [...]

  • Get Clear on Credit Reports

    You’ve heard of them. You’ve wondered about them. You’ve even thought about getting one. So what is a credit report really — and why do you need one? Read on as your buddies at What’s My Score give you the complete lowdown — from why you need one to where you can get one [...]

  • Do Record Keeping Right

    Get statements and receipts in the mail much? That was a trick question. Listen up, it’s time to get up off the couch and tackle that pile of bills and receipts setting up camp on your coffee table. It’s the only way to win the paper (and email) war, and become king or queen of [...]

Can Credit Counseling Hurt My Credit Score

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