All Questions
Tagged with credit-history united-states
92
questions
12
votes
2
answers
1k
views
How do I prevent my ex from making bank and credit card accounts using my son's SSN?
As you may see from the history of my questions, my ex-wife is a financial disaster. Forever out of money, forever on the edge of crisis, forever not wanting to hold down a normal 9-5 job. But show ...
- 3,817
21
votes
4
answers
8k
views
How to recover from credit score hit from paying off loan?
My credit score recently took a dip after I paid off my student loans recently.
When I look at the credit report via mint it shows a "not bad" rating for number of accounts opened. ("not bad" is the ...
- 660
7
votes
3
answers
1k
views
Do I not have a credit score?
Today I tried to access my credit report for the first time from the three major agencies using annualcreditreport.com.
When accessed through Experian, it gave me a generic error that my report wasn'...
- 173
2
votes
2
answers
519
views
Opening 5 credit cards at once with no history to ruin, is it a good idea?
I have no credit. I'm a student, who has never had a credit card short of a secured card I had a few years ago that I was poorly advised to close, and now I'm trying to build credit.
Conventional ...
- 1,383
5
votes
2
answers
19k
views
Can I check US credit score from abroad?
I permanently left the US a few years ago and I am no longer permanent resident.
Is there a way to check my own credit score for personal verification purposes (the major credit agencies require a ...
- 319
1
vote
2
answers
574
views
Best way to deal with a $2700 Collection for unpaid apartment expenses
I am looking to rent a townhome and I have a credit score of 762.
Over a month ago I got a notice about a new account on my credit report, so I look into it. $2800 collections notice from an ...
- 13
1
vote
1
answer
247
views
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
votes
2
answers
268
views
A bank application mentioned I opened a home loan recently. I never did. Should I be worried?
I've been looking to move away from Evil Bank Corporation for a while now, and in the process of applying for New Shiny Bank they wanted to verify my identity by asking for my social and asking for ...
1
vote
1
answer
694
views
Are self-lending loans legitimate?
In the credit building/repair industry, there are some companies offering self lending. That is, you take a loan in the form of deposit in a savings account. Then you pay it in monthly installments ...
- 11
1
vote
1
answer
655
views
Two joint auto loans vs two separated loans
Me and my wife are going to buy two cars, our options can be:
Each of us can get a separated loan for each car.
We can get two joint loans, this way we have two (shared) loans on our credit history ...
- 209
0
votes
4
answers
573
views
Should I apply for more credit cards?
I will be frank. I really want the Chase Sapphire Preferred visa card. I moved to the States in the beginning of this year and have been trying to build my credit, particularly using the Sapphire ...
- 143
2
votes
3
answers
207
views
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
0
votes
3
answers
174
views
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
1
vote
2
answers
364
views
How much do lenders care about your total available credit?
In the eyes of an auto loan officer, which applicant is lower risk? What about a mortgage?
Two applicants have identical financial obligations, income, credit utilization and credit files; all that ...
- 413
50
votes
12
answers
11k
views
Is it ever a good idea to close credit cards?
I have a bunch of credit cards with no balance, while others have fairly high balances. I'd like to close the 0 balance cards, but I know that will reduce my overall balance and hurt my credit rating, ...
- 635