Tagged Questions
4
votes
2answers
133 views
How do the personal finances of additional cardholders affect your reputation?
I have excellent credit myself, but I have on my account an additional cardholder (family) whose credit isn't so spectacular. (They only use the card for emergencies and always deposit cash in my ...
3
votes
3answers
129 views
How will making monthly student loan payments before grace period ends affect credit?
I recently graduated with student loan debt, and my grace period will be ending soon. Most of these loans are subsidized, meaning I do not pay interest until the end of my grace period. If I begin ...
6
votes
2answers
360 views
How do I fix my credit score when I have bad things in my credit history?
I am trying to improve my credit score and have been looking for companies to take charge of this effort. But I found them to all be shady at best so I have taken the task upon myself.
I have not yet ...
3
votes
1answer
263 views
Credit History from ITIN to SSN
I am an international graduate student on an ITIN (I recieve fellowship and not assistantship so I am not eligible for SSN). I will be changing to a job that allows me to have an SSN next July.
Right ...
3
votes
1answer
70 views
Does it make sense to remove old entries from my credit report?
On my credit report, I have a ton of stuff that ended in 2002, 2003, 2004. Theoretically speaking, these items should not be on my credit report due to age. None of these items are negative.
...
0
votes
1answer
263 views
What percentage of your credit card limit should you use [duplicate]
Possible Duplicate:
What is the optimal ratio of used credit to credit limit for your credit score?
Does length of credit history or percent of credit used count for more?
I just read ...
13
votes
4answers
1k views
What can I realistically do to raise my credit score?
I have a crappy credit score. My situation in a nutshell:
In the divorce, the ex got the home, which was then foreclosed on. My name was still on the mortgage. That was in 2009 or so.
I attempted ...
6
votes
3answers
686 views
Why do lenders do a hard pull when they can do a soft pull instead or are these different reports?
After I was done with my month long credit card applications to establish a credit history, I read and discussed more on how to build a good credit history.
During my conversations, I spoke with a ...
2
votes
1answer
280 views
Paying off all your credit cards but one before statement generation date : helpful?
Some people advocate paying off all your credit cards but one before statement generation date, and maintain a utilization of no more than 9% on that card
Here is my understanding and information I ...
5
votes
2answers
192 views
What happens to my credit card or line of credit if my bank goes bust?
What happens to my credit card or credit line if the bank goes bust?
I'm not concerned about the BALANCE on them, I'm concerned about losing an older credit line and its effect on my credit history ...
5
votes
2answers
70 views
If there's no credit report at one of the three agencies does this affect decisions by creditors to offer me credit?
This is a very naive question, but I don't know much about this. I asked a similar question before, but the emphasis was different. I managed to get a credit report through Experian and Equifax (and ...
4
votes
3answers
105 views
What proactive measures can be taken before or when a lender closes your credit card?
A blogger and contributor here recommended Digital Federal Credit Union (DCU) as a possible lender in my search for cash secured credit cards to establish my credit history, and I got approved for one ...
10
votes
2answers
212 views
Should I keep recently opened Credit Cards that I don't use?
After investigating these questions (1 and 2) I am still in doubt in what to do with my current situation.
I have many credit cards because over the years I have been given better deals on them. So I ...
6
votes
4answers
163 views
What's a good next step in rebuilding my credit rating?
Here's a summary of my current position:
Current credit rating of 600/610 (I think. I'm positive it was in the lower 600's 4 months ago)
I've had a card for a year, $500 limit, no late payments, ...
8
votes
2answers
2k views
Will upgrading my credit card affect my credit history length?
Background: I recently graduated from college. I have had a student credit card (Visa) with Wells Fargo since 2008 and it is my only credit card. Obviously, I do not want the history of this card to ...
3
votes
3answers
1k views
Adding myself as a co-holder of my parent's credit card will build my credit history?
I have been in the U.S. since 2007 as a student, and only recently realized the importance of buliding my credit history.
My belief is that a credit card is the way to start building a credit ...
7
votes
4answers
2k views
Are credit histories/scores international?
I'm starting work in the US, and I'm wondering if my credit history will transfer. If not, is there a way for me to gain an "international" credit history, or equivalent, in expectation of other ...
11
votes
3answers
375 views
Should I really pay off my entire credit card balance each month or should I maintain some balance?
I've heard two conflicting things:
One is that you should pay your entire credit every month, and the other that you should maintain roughly %30, %50 (it varies by who you ask) of your available ...
4
votes
2answers
93 views
Who checks my credit history when I apply for a credit card?
I'm guessing this may be how it works:
Card company > Some Company > Me
I can get a credit card from my bank or some company. Do those guys review my history? Or does the card company? Perhaps "Some ...
12
votes
8answers
382 views
Relocated to USA. How to get credit card without existing credit history / score?
I recently relocated to USA and have no Credit Score.
Is Secure Credit Card is the only option for me to start building my credit score?
Also please recommend which other credit cards are available ...
15
votes
3answers
220 views
Global credit record: Would my good credit history apply internationally?
Does my credit record apply internationally?
For example, if I have a good credit record in Australia, with a car / house loan and a credit card or two, can my good credit rating be seen by banks and ...
