All Questions
25
questions
5
votes
1
answer
402
views
Will paying off a defaulted loan from 20 years ago affect my credit?
I defaulted on a loan 20+ years ago, which has since fallen off my credit report. My credit score today is excellent. If I were to pay the balance being asked for by the current debt owner/collector (...
0
votes
1
answer
129
views
How to maintain high credit score while opening too many credit cards?
Multiple credit cards have new user promo offers ($100 off first payment or similar).
I wish to take full advantage of these offers, and open about 4 new credit cards within the next year.
However, I ...
- 103
1
vote
1
answer
389
views
Should I put my mortgage in deferment?
Times have been rough! I lost my job and despite interviewing I have only been ghosted by recruiters and companies. I have started offering tech/software consulting services but given I am new to the ...
- 1,936
1
vote
1
answer
197
views
Do secured and unsecured credit cards have a different effect on credit history/score?
I have a regular credit card from Bank of America, and I want to apply for another secured credit cards from capitol one and citi or US bank. What I want to know is:
1- Are there any differences ...
user109157
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
2
votes
1
answer
195
views
Is it standard that a mortgage company won't pull your credit report while you're living abroad?
I'm going to be moving back to the states soon after living in Canada full a few years. I called wells Fargo to look into getting a mortgage today, and they told me that they will not pull my credit ...
- 687
3
votes
1
answer
137
views
first credit card for H1B worker
I see a question Looking to get my first credit card but that seem to focus on students. I have a friend, who just came on H1B with zero credit history. The bank that has the regular account for him/...
- 1,245
2
votes
0
answers
257
views
Is it possible to tell if someone is a U.S citizen or not just by looking at their credit report? [duplicate]
I am not sure if this question fits this stack exchange, but I could not any other that seemed more appropriate. Here it goes.
Say person A is a U.S citizen with 3 years of credit history. Person B ...
- 145
1
vote
2
answers
288
views
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
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
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