New answers tagged credit-history
3
Your parents should not have been able to view your credit report without your permission, whether or not it is frozen. If they did, they probably did it by posing as you (which is fraud). Since freezing your credit does not prevent you from viewing your own credit report, it would also not prevent anyone posing as you from viewing it.
If your parents ...
2
If you change your cards, you will most likely reset the credit age for that account. This has happened to me twice. Once the credit card company offered to upgrade my card and I accepted. The other time, the card changed provider bank without asking me. Both times they reset my credit age. In the first case, I asked about this and the person I talked to at ...
2
Your credit score is going to go down when you start using credit again. You say you don't care if your accounts get closed but this does matter. The problem is part of your credit rating is the age of your credit.
When you open new accounts you now have a very low credit age and that's not good.
You would be better served to keep a few cards alive. You ...
1
Your "credit score" is a generic, indicative figure based on a credit reference agency's idea of what they think are good indicators for creditworthiness. Each of the CRA's will have their own algorithms for generating this score, so it will vary.
These scores are not used by credit providers - they will have their own scoring criteria that varies from ...
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