Questions tagged [credit-history]
for questions related to credit worthiness history, related tags credit-score, credit-rating and credit-report
260
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Does payment in the UK with UK billing address by using an EU debit card influence your UK credit score?
As per the title; additional clarification: the payment is in GBP and my debit card is registered at an EU address. I'm paying by using a paper payment slip, and I don't think that mismatch between ...
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What is the effect of filing a CCPA deletion request to the the credit reporting agencies?
Credit reporting agencies are required to comply with consumer privacy laws. Some of them, like TransUnion, do so transparently. They report they had 275 deletion requests, of which all 275 they ...
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How can a senior finance building a home with no current credit score but good equity in current home?
Many seniors have paid off their mortgages and car loans and haven't needed to borrow money in years, hence have no current credit score. Senior wants to downsize home but there is nothing suitable on ...
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How much does having an installment loan in your credit history matter vs simply having a good credit score?
Let's say you want to buy a starter home (at a reasonable budget for your income level) and have an excellent credit score of ~800, but you have zero history of taking an installment loan (student, ...
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Is it a good idea to take a loan just to build borrowing history? (United States)
Context
My current car, a hand-me-down from a family member, is 10+ years old with ~100k miles and starting to have enough problems that maintenance costs are quickly piling up. Over the last 2 years ...
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Will paying off a defaulted loan from 20 years ago affect my credit?
I defaulted on a loan 20+ years ago, which has since fallen off my credit report. My credit score today is excellent. If I were to pay the balance being asked for by the current debt owner/collector (...
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How to maintain high credit score while opening too many credit cards?
Multiple credit cards have new user promo offers ($100 off first payment or similar).
I wish to take full advantage of these offers, and open about 4 new credit cards within the next year.
However, I ...
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0 APR Promotional Offer For Credit Cards
I’m currently learning about personal finance and I just found out that there are some credit cards that will give zero interest rate for a certain period of time (10-20 months).
I know that to get a ...
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How can I open a student bank account when I am getting rejected for not having enough credit history?
I am presently a university student in the United Kingdom. I attempted to establish a student bank account through HSBC, but my application was declined due to a poor credit score. After some online ...
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Should I put my mortgage in deferment?
Times have been rough! I lost my job and despite interviewing I have only been ghosted by recruiters and companies. I have started offering tech/software consulting services but given I am new to the ...
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How do I raise my credit score from 720 to 800?
My FICO 8 score is 721 and my VantageScore 3.0 is 735. I have opened 2 accounts in the past 2 years:
An AMEX Gold card in October 2022
$30k loan in May 2022 to purchase a vehicle
I also have a 30 ...
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Why can't you see your credit score at all times?
I've just seen over the years that you can check your credit score now and then and sometimes it might lower it a small amount just to check.
Why isn't credit some transparent function of various ...
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What is effect of full settlement on credit report
Suppose one has delinquency on credit cards that show R9 on the credit report. If he settles the credit card company with full payment, the credit report will show the status of settlement of full ...
anon
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F1 visa and credit card debt
I am currently in the US on an F1 visa and I have over 4000$ credit card debt (4 maxed out credit cards). I make on time payments each month and should pay it all within a year. Can I leave the US and ...
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How credit score is improved after debts are paid off
Here is a scenario for the credit score improvement I am interested in. Suppose a person can not pay the credit card debts for over 6 months. This is very bad for his credit score because unpaid cards ...
anon