Tagged Questions
1
vote
0answers
30 views
“Dispute” Credit Report by pointing out debt that they don't show? [duplicate]
I have looked all over and it seems as though whenever anyone suggests disputing inaccurate information on your credit report, they are always referring to removing or changing existing records.
...
6
votes
2answers
368 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 ...
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 ...
4
votes
2answers
169 views
Do I have to pay interest to increase my credit score?
I am going to ask this oft repeated question one more time because:
I have heard many of my friends say that the best way to increase your credit score is to take a loan ( at an interest) and then ...
4
votes
2answers
128 views
How soon are credit reports available, after opening one's first credit account ?
They say that your credit reports are available after having an open credit account for 6 months. I've had a Citi Forward card for international students for 6 months and a week now, but I still can't ...
9
votes
3answers
171 views
Are credit monitoring services worth the monthly fee?
Several services offer to monitor your credit - supplying you with an updated credit report every month and your credit score, too.
Are they worth the monthly cost ($10-20 is the range I've most ...
4
votes
5answers
1k views
Can signing up at optoutprescreen.com improve my credit score?
I recently discovered optoutprescreen.com, the "official Credit Reporting Industry website" for consumers to opt-out of credit offers. A lot of people recommend signing up there, simply to reduce ...
7
votes
2answers
241 views
My credit score took a massive dip. Why?
I checked my credit score today and it took a massive dip compared to one month ago:
Ignore the gray line - it's immaterial.
Transunion - Green
Experian - Blue
Equifax - Red
I downloaded the ...
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 ...
3
votes
2answers
288 views
Transunion is “unable to locate credit report.” Should I be concerned?
I've been reviewing my different credit reports (from Experian, Equifax and Transunion). Equifax spelled my name wrong, and it's not extremely clear that I managed to fix that. But that's not the ...
9
votes
3answers
178 views
Does getting more credit or credit cards improve your credit score?
I'm reading Ramit Sethi's I Will Teach You To Be Rich, and one of the tips from the first chapter is to apply for more credit card debt. He warns it's only for people like me who carry no credit card ...
4
votes
2answers
107 views
Should I look up my credit report or score before applying for a credit card?
Right now I have two Credit Cards, Amex and a Visa through Wells Fargo.
I am planning changing over to Chase Freedom card for their 5% cash back. Part of the sign ups, depending your your credit, can ...
8
votes
1answer
180 views
Effect of going over the credit limit on a credit card to your credit score?
If I have a credit card balance that is over the credit limit, and I don't go under within 30-days, the provider will report the overage to the reporting agencies. If you have generally good credit ...
5
votes
3answers
635 views
How can I get my incompetent utility company to remove late payments on my credit report?
My FICO score dropped 100 points after my incompetent utility company posted false late payments. It had been 780 prior to the late payments.
I have a legitimate case but they are so bureaucratic and ...
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 ...
2
votes
1answer
263 views
Why is my credit score now being ranked on a scale of 501 to 990?
Over the years, I've run several credit reports on myself inching my way closer to 750 then 800 on a FICO scale. Then, using TrueCredit to analyze my report, as I always have, I suddenly notice I'm ...
5
votes
3answers
96 views
Is there a way to get a helpful person at a credit agency?
This question applies to anyone with a need to sort out a credit report issue, but I'll give the background in my particular case.
My credit is fine with all three agencies, but only one of the three ...
3
votes
3answers
391 views
Why is my credit card not showing on my credit report?
I have just got my credit report. All seems fine, but I have noticed that there is no mention of my credit card on the report.
I only have one and it is with the same bank current account. I was a ...
6
votes
2answers
256 views
Does closing a normal bank account affect my credit like closing a credit line?
I have a checking account that I once opened to divide money into different piles. I have since stopped doing that and want to close the checking account. I still have other checking accounts with ...
8
votes
3answers
172 views
Why Am I Having Such A Hard Time Getting a Credit Report?
I have always heard about evil credit card companies preying on vunerable college students. I find that quite interesting, considering I've found it impossible to get a credit card! Even more ...
9
votes
4answers
266 views
I am co-renting with others who do not pay rent reliably. Is there a way I can stay without harming my credit rating?
I rent with other adults in a rental property and my name is on the rental agreement with them. I would like to know if I have to move out, or is there a way I can remain and still pay just my fair ...
4
votes
5answers
279 views
What are good tips for someone starting out to establish good credit history?
When you started out on your own, whether it was moving out of home for the first time or getting that first job what things did you do that helped your credit rating/history?
23
votes
6answers
561 views
How can one get their FICO/credit scores for free? (really free)
TV and the web are filled with ads promising to give you a free copy of your credit report. Unfortunately, instead of being wholly free, they are actually free trials, which means:
You only get ...
11
votes
1answer
165 views
What is the best way to go about cleaning up a poor credit rating?
Is it true that poor decisions you make now can affect you for up to seven years? Can they negatively-affect one beyond then? What are some steps one could take to repair the damage?
5
votes
2answers
108 views
What is a FICO score and how is it related to a credit report?
What is a FICO score and how is it related to a credit report?
