All Questions
Tagged with credit-history credit-report
94
questions
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247
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How to add missing items to credit report
I recently paid off 100% of my debt. It was in default for more than 7 years. My credit report showed these accounts in default, then the accounts were eventually removed from the credit report ...
- 155
2
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2
answers
450
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UK equivalent of annualcreditreport.com?
From https://money.stackexchange.com/a/52272 I learned that (apparently) US federal law says I can "Get a free copy of your credit report every 12 months from each credit reporting company.", through ...
- 21
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688
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Credit limit increase unauthorized hard pull
I have a Fidelity Rewards credit card, which is managed by Elan Financial services. This is the only credit card that has not had its CLI increased by the provider. I filled out a request a couple of ...
- 499
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182
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How to increase CIBIL score?
How to increase cibil score if your credit card and personal repayment history are not consistently good?
- 111
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1k
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Not Paying Loan Should I opt for One time Settlement. How will this reflect in CIBIL score?
I have loan. I didn't pay EMI for the past 1 year.
Now the bank has provided me the option of One Time Settlement. This is roughly half of the entire loan.
If I pay the One time settlement , how ...
- 199
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208
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Would it hurt my credit score/report if a company decided to close my account for security reasons?
Recently I received a letter from my credit card company asking me to send them a proof of identity/address as they have frozen my account and doing security checks.
I can't be bothered to send them ...
- 383
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3
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207
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Are there any rules against penalizing consumers for requesting accurate credit reporting?
Most credit reports list a consumer's credit accounts and for each month of history on that account, an indication of account status (e.g. 0/30/60/90 days past due). Some credit reports also list the ...
- 2,905
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3
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259
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Is keeping old credit cards and opening new credit cards with high limits and never using an ideal way to boost credit scores?
I was always under the impression to never close a credit card as it can hurt credit. Especially, if you have had it for a long time.
I've also heard that never going over 10-20% of a credit card is ...
- 1,199
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1k
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Would open source credit score formulas be feasible?
Do these exist and if they did, what would prevent financial institutions from using them?
More Details:
Let's say that some academics got together and decided that the 3 major US Credit Reporting ...
- 1,541
3
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3
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386
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Credit Score, Collection from 1 year ago, have not lived in america for 4 years
I used to live in America for 2 years, but i moved back to my home country in December 2012, i will however will be moving back to American next month. I checked my credit score (story behind why in ...
- 31
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3
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174
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Is it better to wait until one credit card shows up on my report before applying for any others?
How should you schedule applying for new credit cards if your goal is to not alarm prospective creditors while getting high initial credit limits? For example if approved for a new credit card should ...
- 11
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886
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How much will my credit improve if I pay off all the negatives and there's nothing else on it?
My TransUnion is 497, and Equifax is 469. I couldn't remember the information they needed to verify my identity online for the third credit agency.
The only things on the reports are 5 things on ...
2
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2
answers
516
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How do credit-builder loans show up on credit reports?
To boost folks' credit scores, a financial product called a credit-builder loan provides a loan of cash that borrowers can't spend, which is paid off a bit each month. The primary effect (and benefit)...
- 2,905
1
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299
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Canceling a heavily used Credit Card to pick up a new one
I've heard people say if you cancel a credit card it hurts your credit score... not sure how true that is.
Anyway...
I have a credit card with a $8500 limit that I push a good $2000+ through a month ...
- 1,199
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1
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1k
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Privacy preferences on creditworthiness data
Many US banks issue a privacy statement to their customers (for this question, assume a credit card customer) containing language like what's below, followed by a yes/no "Do we share?" and yes/no "Can ...
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