All Questions
Tagged with credit-history united-states
20
questions
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
8
votes
3
answers
4k
views
How bad would maxing out my credit card once a year affect my score
I just got approved for a $1500 cash secured credit card from Wells Fargo.
This means I have no credit history whatsoever, and am going to use this card to establish one.
With fall semester at ...
- 2,756
20
votes
3
answers
3k
views
Should I really pay off my entire credit card balance each month or should I maintain some balance?
I've heard two conflicting things:
One is that you should pay your entire credit every month, and the other that you should maintain roughly %30, %50 (it varies by who you ask) of your available ...
- 411
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
9
votes
5
answers
7k
views
Ways to establish credit history for international student
I am a student on a F1 Visa in the US.
Being a non US Citizen and on a student Visa, I am unauthorized to work off campus, and so I am restricted to work upto 20 hours a week on a hourly wage and ...
- 2,756
12
votes
3
answers
7k
views
Is it common practice for credit card company to demand to see your income tax forms?
I recently applied for a credit card that my wife has. I was responding to a great offer that I believe this credit card company sent me based on my good credit score and so on.
When I applied online, ...
- 355
8
votes
2
answers
2k
views
Will paying off an old $8 collection hurt my credit?
Let me explain a little more. I was the victim of a car accident and medical bills went through the roof. I had about $16k racked up, then my settlement finally kicked in 3 years later and paid it all ...
- 83
8
votes
3
answers
3k
views
How to build a U.S. credit history as a worker on a visa?
I am 30 and looking serious at moving to the United States to take a lucrative (career wise) job. Assuming I get the job offer and accept it, how can I go about getting credit in the US?
I am from ...
- 642
6
votes
1
answer
4k
views
My credit score has been erased. What happened?
In 2006, I bought my first car with a loan. In 2008, facing a number of emergencies, I took out a credit card and maxed it out. I worked hard not to miss a single payment on either and to pay off the ...
- 63
15
votes
8
answers
1k
views
Relocated to USA. How to get credit card without existing credit history / score?
I recently relocated to USA and have no Credit Score.
Is Secure Credit Card is the only option for me to start building my credit score?
Also please recommend which other credit cards are available ...
- 253
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
9
votes
3
answers
5k
views
Why do lenders do a hard pull when they can do a soft pull instead or are these different reports?
After I was done with my month long credit card applications to establish a credit history, I read and discussed more on how to build a good credit history.
During my conversations, I spoke with a ...
- 2,756
8
votes
2
answers
333
views
Credit Freeze for Minor Child
I was told that identity theft of a minor's credit is a very sought after goal for thieves. Is it true that credit agencies will offer lines of credit to individuals who are not yet 18? Is there any ...
- 1,441
6
votes
3
answers
1k
views
Is it a good idea to get a mortgage when buying a house, for credit reasons?
I'm thinking about buying my first house, and I'm wondering whether I should get a mortgage from a bank or not. This is mostly because I've heard that getting a mortgage is critical part of building ...
2
votes
3
answers
423
views
Looking to get my first credit card
I have no prior credit history. Does anyone know of a credit card company that doesn't require much (if any) deposit money down and has a high approval rate for first time credit card holders?
