All Questions
Tagged with credit-history united-states
92
questions
1
vote
1
answer
393
views
Dispute credit history hurt unknowingly by parents
This is question is about my friend's current situation that I found out about and now my dad and I are trying to help him.
Background: My friend (22) had to go to the hospital (I believe he was 18+ ...
- 187
7
votes
3
answers
416
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What is the most financially appropriate approach to flipping and selling this home?
A few years ago, I purchased a home at $142,000 that has 12 bedrooms, 4 full bathrooms, a workroom, a basement with cement flooring, and an attic. In my divorce, it was awarded to me, as my ex was ...
- 171
2
votes
4
answers
266
views
No credit history. How to improve rating?
My partner and I are hoping to get a mortgage and buy a house in the next few years. A potential problem is that I have essentially no credit history and thus I have a low credit rating. (My partner ...
- 23
-1
votes
1
answer
912
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How to transfer credit history to another bank?
I am planing to make first credit card (BOA secured credit card).
Also, I want get UA explorer card later (I understand it is need high credit score).
I am trying to build credit history by this BOA ...
- 1
1
vote
3
answers
123
views
Credit after a car loan
I just passed year two of my car loan and I'm planning to use my tax refund to pay it down. This will most likely shorten the loan a year.
I'm thinking about how I can keep my credit score and such ...
- 137
4
votes
2
answers
254
views
Student loans and credit score
A friend of mine hasn't been paying his student loans off in years now and obviously his credit has suffered. This friend is convinced that if he waits out 7 years of the loan it is taken off his ...
- 137
1
vote
0
answers
52
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Regarding leasing removal
I am living in shared accommodation. I am a student and not working yet so I don't have a SSN. But due to some reason I want to move out from apartment and my name is also on the lease, so I need all ...
- 111
3
votes
3
answers
254
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When / how is credit card interest charged? [duplicate]
I'm currently a student in college in the United States. I have a scholarship, and I work, so I'm in the fortunate position of earning more money than I'm spending. I have a credit card, but pretty ...
2
votes
2
answers
2k
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Authorized user on Lowe’s credit card (only credit history besides phone bill) how will this affect me when applying for an auto loan?
I’m 18 with a credit score of ~719. My grandfather added me on his Lowe’s credit card ($8,000 limit). He’s had this credit card for over two years and it shows up on my credit report as if I’ve had it ...
- 21
0
votes
3
answers
197
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Best way to build a credit history for a graduate student in the US
I'm a first year graduate student in the US, and I'm considering several options to start building credit history.
1) Apply for a local credit union secured credit card (without annual fee)
2) Apply ...
user88299
2
votes
4
answers
556
views
How to build up credit fast?
I live in the United States, am around 22 years of age, and recently graduated college with around $12,000 in student loans. I have had a full time job for around 4 months that pays around $55,000 a ...
- 123
1
vote
2
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288
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Credit Report debt expiration limit: original creditor vs. Collection
I am confused about how the statute of limitations with regards to debt applies to what is reported on an actual credit report from the 3 credit reporting agencies in the United States. Researching ...
- 11
1
vote
2
answers
277
views
What is the potential downside to freezing additional credit reporting agencies?
I have had a credit freeze on the big 3 credit reporting agencies for many years, and now I'm hearing about a 4th, Innovis (since the latest Equifax breach).
Is there a down-side to freezing Innovis ...
- 489
6
votes
1
answer
133
views
Do lenders have a practical obligation for prompt/accurate credit reporting?
Joe had a high-balance loan from Acme Bank and paid it off. Acme reported to the credit bureaus about every 30 days during the loan, up until the day after the scheduled payoff. On that last day, ...
- 2,905
3
votes
1
answer
142
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In the US, does getting a loan with a cosigner, help your credit rating?
Say person A has plenty of money and income but is new to the US (or for whatever reason) has a near non-existent credit history.
Person A has the idea of getting a car loan to help build the credit ...
- 13.8k