All Questions
Tagged with credit-history credit-report
94
questions
11
votes
1
answer
479
views
Might it make sense not to look into debt that is in collections?
I happened to glance at my credit report and one of the agencies shows that I have a debt of just over $100 in collections. It appears to be from an emergency room in a previous state (I moved about 6 ...
- 15.1k
1
vote
1
answer
3k
views
Demat & Trading account will reduce Cibil score?
I have opened Trading Demat Account before 2 years. But i used only 2 months. Will it reduce cibil score?
- 199
0
votes
1
answer
219
views
How Secure credit card Increase Cibil Score?
I have Low Cibil Score(628). Take Example, I buy secure credit card say for Rs.25000, and i get Credit Limit as Rs.20,000.I do use Secure credit card 50% every month.And i pay EMIs correctly. Than ...
- 199
1
vote
1
answer
1k
views
Time of CIBIL score update?
I have Education loan EMI of Rs 4500 per month. I didn't pay EMI for last 5 Months. So my cibil score has reduced to 600. I plan pay last 5 months EMI in a single payment and EMI regularly from this ...
- 199
3
votes
2
answers
149
views
Can I remove a legit negative from credit report?
I had a student loan like 10 years ago, and it is since paid off completely and closed. However, in September 2009 and January 2010 I had late payments.
Is it possible to ask that they be removed? Or ...
- 155
5
votes
1
answer
7k
views
Credit freezes aren't available in Canada. What options are available to protect against identity theft?
It looks like credit freezes aren't possible in Canada. Despite this, there is some evidence that identity theft is a bona fide problem in Canada:
RCMP states that in 2009 there were 11,095 identity ...
- 461
1
vote
3
answers
3k
views
How much impact does employment have on credit score?
I'm in college, so I'm not exactly employed, ignoring occasional jobs here and there. I'd like to apply for a few new credit cards, and I noticed I don't have employment on my credit report. My ...
- 1,383
3
votes
1
answer
1k
views
How to get access to US credit report while living outside USA?
I lived in United States for over eight years late 2000/early 2010s. For some reasons I think my identity has been stolen in the US, so I would like to check my credit report. However, I have moved ...
- 31
3
votes
1
answer
667
views
Does LendingClub's quick screening impact credit score?
I'm new to the US and trying to get a loan for buying a car. I know it's hard to get a loan without credit history, but I just clicked around.
I typed some information from the homepage of ...
- 225
1
vote
1
answer
90
views
If bank can give less home loan than PAL offered based on my credibility
I have applied PAL (Pre approved home loan ) for a bank. Bank have approved the amount what I needed. When I confirmed with them, they assured they have check my cibil and credibility before approving ...
- 157
7
votes
1
answer
1k
views
How can I escalate a credit dispute when the bureau "confirms" the item?
A while back, I was moving to a new city. At the point when I got around to applying for an apartment, I had never checked my credit before. I was denied the apartment due to credit, and started ...
- 740
3
votes
2
answers
1k
views
Can someone intentionally hurt your credit score?
I know that if someone does a "hard" view of your credit score, it will lower by a bit. So what is stopping a malicious person/organization from illegally viewing your score a thousand times just to ...
- 185
0
votes
1
answer
490
views
A credit report is a soft inquiry. Is a "credit score report" a hard inquiry?
On Experian's website (and, I imagine, the other two bureau sites) we have the option to obtain a credit report and a credit score report. The credit report is the report that we can get through ...
user12337
3
votes
2
answers
276
views
Should I try to get an old late credit card payment removed?
I have a Capital One credit card that had a "$40 Maximum Delinquency of 30 days in 2011". It was paid after 30 days in 2011 and was a simple mistake from an annual auto renew charge for a website ...
- 63
2
votes
1
answer
329
views
Will being added as an authorized CC user help or hurt in the short term?
I have a Fico score of 700. My spouse has a Fico score of 780. We are applying for a new home mortgage during the next couple of months. If I get added as an authorized user to one of her credit card ...
- 63