Credit score Q&A

Author: creditfaq

Author: creditfaq

Credit rack up grill?

Hello My husband is 600, and we want to use his autograph on the mortgage loan. because his is better than mines. in good health in 1yr or 2 we would resembling to buy our first home. but in charge to get my husband credit win to go up what should he do. See he is going to be stationed surrounded by Korea and he wants to know what can he do from at hand to get his credit win up.I know he should get a credit card next to no more than $500 on it. And just get monthly payments but what else should he do. And how soon would his rise to 700. do Experian, transunion, ans equifax adjectives have to enjoy 700 on them? Thank You & God Bless

Credit Advisor / Guide is near such a entry?

My husband and I are planning on buying a house in September. We know what our are and we know that we have some choices to clear on how we handle our finances surrounded by the next 6 months. We want to reach a deal to someone who actually understand our credit scores and how multiple actions will effect them. We don't necessitate a Credit Councelor, we're doing just fine contained by regards to debt. But we could use warning on what are the best steps to take to grasp the best rates in September. Anyone know any where on earth I could look to find a person who can look at our credit report and tender us objective direction on our best options.

Credit card approval??

Does anyone know what ones's have to be in directive to be approved for a credit card.. for example would the requirement be like peas in a pod if I wanted to apply for a department store credit card resembling Target or Wal-Mart as opposed if I wanted to apply for a Capital One or Discover Card??

Credit card ask....?

Is it legal -in the state of Ky-to gain a credit card in my child's label and soc. sec. #? He is only 6 years hoary, so he wouldn't be using the card and probably wouldn't even know about it for a long time. I plan to verbs a balance (a big balance) to this card and will continue to take home my monthly payments. This would help near his own for when he's an full-grown. My name and ss# wouldn't be part of the pack of the app process, would it?It occured to me to do this because when I was getting primed to start college, my parents put their car within my name (and they still owed in the order of $10,000 on it). It was to build up my credit.IS THIS LEGAL?

Credit card co. requests to bring to the fore my rate.. should I close the vindication?

I've had this Capital One card for 9 years. It's my oldest rationalization. Two weeks ago, they sent me a letter axiom they raised my cut-off date for being such a great customer. Then today I get another letter wise saying they were going to lift my interest rate from 12.9 to 19.9! It said I can opt-out by closing the account and paying my stability at 12.9 or stay in and travel to 19.9. My is contained by the mid 700s; I think I can do better than that. The problem is that I freshly bought a home and opened a different vindication for some big purchases, so I am concerned that opening nonetheless another account contained by such a short time to do a go together transfer will hurt my evaluation. Would it be better to 1.) close it and pay it at 12.9 2.) unseal a fresh account somewhere else and do a stability transfer or 3.) money it faster than anticipated and then start out the account sympathetic and unused ?

Credit Card Collection proposal?

Here is the quick setting. I was within credit counseling and lost my job. I consequently couldn't make the payments and have to leave counseling. I have a tempoary job and get a bit caught up I enjoy a full time job again and am working on paying things rotten. I completely forgot about one card, get a call yesterday from a collection agency They said that i should enjoy recieved a collection notice contained by the mail I said i didn't catch it which was true but it be in my mailbox when i get home from work. the amount is around 5500 they offered me a settlement for 3900 but i can't do that They said that the account would run to chargeoff status and affect my credit score, and that they could record judgement against me. My boyfriend is a mortgage consultant, both him and his boss said they have never see a credit card judgement. I'm reading all this stuff give or take a few judgements and it scares me. My boyfriend said that i should only just let the collection sit in attendance and that it probably won't do anything. I'm in MD.

Credit Card Collection warning?

Here is the quick framework. I was surrounded by credit counseling and lost my job. I after couldn't make the payments and have to leave counseling. I have a tempoary job and get a bit caught up I own a full time job again and am working on paying things bad. I completely forgot about one card, get a call yesterday from a collection agency They said that i should hold recieved a collection notice surrounded by the mail I said i didn't gain it which was true but it be in my mailbox when i get home from work. the amount is around 5500 they offered me a settlement for 3900 but i can't do that They said that the account would turn to chargeoff status and affect my credit score, and that they could wallet judgement against me. My boyfriend is a mortgage consultant, both him and his boss said they have never see a credit card judgement. I'm reading all this stuff give or take a few judgements and it scares me. My boyfriend said that i should newly let the collection sit here and that it probably won't do anything. I'm in MD.

Credit Card Question?

A few years ago I applied for this credit card and it sounded good. Zero interest on everything underneath $250 fixed. The rate only go up if you misuse the card. I've never used the card because I like to use my debit card more. However I know I have need of to have a accurate and be wondering if I should cancel it (because contained by the end this card might be too moral to be true) or stick with it and not apply for a run of the mill credit card.

Credit card win ?

i have mere credit cards and my wallet is becoming too stocky for me > i have remunerated off some of the credit cards > i be wondering if i cancel the ones that i enjoy paid bad, will it affect my ?

credit card/score?

my is 689 and i just have one credit card (limit 3500) and i be wondering if i should apply for another credit card. Is there a point contained by having two cards, or should I purely stick with one.

credit card?

I am thinking of applying an unsecured credit card?My is in the order of 580-600.With my credit rating, what kind of unsecured card can I procure?Has anyone with around my credit chalk up got one?thankfulness

Credit Card?

I have three credit cards, respectively having a credit factor around $15,000. One is a no interest til May 2007, my balance on this card is roughly 13,000. My other card have around 10,000. I just finished paying stale my third credit. My 3rd card is the longest existing credit card i have. Should I move about ahead and close it out, or keep it. Will it affect my credit rating, if I close it. Meaning, will my credit evaluation go up or down? I own a new post with a flawless salary, I should know how to cut my debt in partially this year alone. But, I guess what I really want to know is if closing a credit card with a 15,000 decrease have a refusal affect on my credit score? Thank you.

Credit chalk up request for information?

Hi, i checked my it's 585 and i salaried all my ancient account and very soon it's current and i'm gonna buy a house in 3 months so is it possible that my score will improve up to 700 if i discharge everything on time and engineer every account current. plz suggest me how to promote credit scores. appreciation!

Credit chalk up serve?

hi. i have a mound of america visa credit card and have a credit cut back of only $2500. i own other cards from other bank and they enjoy minimum 6000 and maximum 50000 credit limit. i am planning to request a credit check increase in the $2500 visa card from edge of america mentioned above. will the request hurt my or my credit history? or will it be impossible in other agency. thank you

Credit consolidation and credit report?

I just lately finished paying off my cc's threw a consolidation, how can I start to promote my credit score. The concluding time I checked my score it be around 630. I am planning a buying a new home and want to know if I can verbs it up to get a high score. Is nearby anything I can do?

Credit Counseling (C.C)?

I'm in a elevated debt and my is self hit bad by delinquencies every month due to a unpromising divorce that I'm going thru'. I'm considering Credit Counseling (CC) ... If I go for it, Credit report will plainly indicate a C.C ... how bad does C.C affect your credit when applying for mortgage, personal loan, auto loan, credit card etc? If C.C is recommended does anyone know of a well brought-up C.C companies out there. I simply dont want my in debt at the rear to hop from the frying pan, into a fire.

Credit Counseling or Going on your Own?

I am trying to pay rotten my credit card debt and get my finances fund on track. I am leaning towards going next to a credit counseling service but really would like to verbs myself out of the hole myself if at all possible. My give somebody the third degree is does anyone know if your credit card companies would be willing to work near you on lowering your interest if your is not awfully good? If you relay them you are thinking of counseling would they work with you? I hold a long history with my two cards and in good time payments. I hate the thought of ruining that history if here is any way I can verbs myself out on my own. Any advice would be appreciated.

Credit Debt "written sour, and sold to lender, Then remunerated, Do I owe anything?

I had a credit Card and consequently It was sold to a collection agency. I terminated up paying then surrounded by full. Months Later I checked my and it said that the money be still owed in the Credit Card, and they have the same card on twice so it showed I owed double. It also states that I remunerated the collection agency the same amount owed. So I disputed the report. I get an update and I do not understand what it anticipate. It says that I be "written off" the amount owed on one of the credit cards and the other " written off" O. It also says it be sold to a lender. Then the lender now say originally "the name if my credit card". SO what does it be going to. Will that Credit Card ever say "paid" and except can I the people who check my credit connect the two? Do I still owe money? Sorry for the long message. Thank you in credit.

Credit dispute.?

I just checked my credit and it said i enjoy a of 632! It said thats because of an mature account that i owed money on. I have the same problem 2 years ago beside this account and i call and they said that they i couldn't do anything about it because they took it as a complete loss and the dispute be closed. I'm going to call them tomorrow but if they don't cooperate, whats the alternate routs? Thanks.PS. The amount owed be $25.

Credit evaluation of 640, will it rise?

Here is my situation I'm 25 years old. I only just checked my credit score, it say 640. I have two credit cards and a personal loan. My first Credit card is a small Capital One of $500. My 2nd Credit Card is a Circuit City information for $1000. My personal loan balance is $2000. Both credit cards be maxed out, plus my personal loan. I just finished paying stale everything this weekend. I have no debt immediately. Can someone give me an estimate on what my credit mark should look like, once they know everything is salaried off. Should I instigate a Target account and a gas rationalization, will that help or hurt my rack up?At, 25, Am I on the right path to excellent credit, or do I still requirement a lot of work?Thanks!

Credit gain ask?

Hi, i checked my it's 585 and i compensated all my bygone account and immediately it's current and i'm gonna buy a house in 3 months so is it possible that my score will improve up to 700 if i reward everything on time and construct every account current. plz suggest me how to restore credit scores.my husband score is 625 but his history is only 20 months out-of-date and they need atleast 24 months mature. thanks!

Credit Help Ten Points to Best Answer?

I am new to this full credit thing. So I own a couple of questions.1. I hold a about 13 or 14 inquires on my credit report because I have to apply for school loans and credit cards. I be able to capture 3 small loans and two credit cards. How will this effect my score?2. I remunerated my credit cards balances within full for nearly 5 months, but one month i could only reward the minimum payment will this hurt my ranking?3. My credit scores are 689, 698, 715 is this obedient or bad?4. I own a couple months left until subsequent school year, and i will enjoy to apply for more loans, (pharmacy student) will i have better luck immediately that i have some credit history?5. I know this is greatly but i would really appreciate the help. And I would appreciate any tips on credit, credit score, and getting the best score possible. Note: I hold been markedly responsible with my credit cards except one month when i could merely make the minimum. So please no lectures on the evils of credit cards

Credit Help!?

Ok i think the stupidest entity happened. Target sent a note to my mom saying that she be denied more credit to TARGET! out of places..and to check her credit to see if there be an error or why they denied her the extra credit on her card...If she was to pay packet off adjectives her debts and things that were written of on her credit report..would those debts be in motion away on her credit report..and would negotiating next to the companys she owes money wise... fix her credit..she tell me of how she could buy a car near a credit card..but now her credit is adjectives screwed up because of stupid stores like macys and burdines..and what is the absolute possible credit score..gratefulness..i am looking foward to ur answers!

Credit history quiz: I own some debts on my credit report which total smaller quantity than 10k?

due to unpaid debts my is extremely low now, if I rate off adjectives my debts together, does my imroves immidiately ? how much it imroves and how long it take time ? for some of debts its mentioning: "Estimated date that this item will be removed: 2012 " so even if I pay it rotten; will it be in effect till 2012; Elaborated and complete answer to these question, would be greatly appreciated ? Also if you have any suggestion or donate about the best channel for handling it

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