Questions tagged [credit-history]
for questions related to credit worthiness history, related tags credit-score, credit-rating and credit-report
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Paying off debts
My debt got sold off to a 3rd party.
Do I get in contact with the original lender to pay the debt off?
The other debts were with an ISP I once used. But think it has been classed as default. Found ...
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2
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3
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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?
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Building credit history as a young foreigner
I moved to the US for college, and have decided to stay in the Bay Area.
As soon as I found my first internship, I applied for a credit card. Currently, I have 3 credit cards, and the oldest card is ...
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What constitutes "Account Activity" in a debt collection timeline?
Let's say a person has a debt that charged off several years ago. They receive a time boxed, partial amount payoff offer from a Credit Agency that purchased the debt from the original lender. Do they ...
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How to stop old item on my credit report from "refreshing"?
I found out here that bad items on your credit report are supposed to drop off after seven years. I have an unpaid credit card from 5 or 6 years ago that should drop off soon but apparently it was ...
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What are the easier to qualify home loans in Canada? [closed]
I have only 6 unpaid things on my credit report. The small things add up to only $17XX.00 but the oldest thing, an unpaid credit card from 5 or 6 years ago, has nearly doubled to $11,000 due to ...
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1
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Mortgage rate shopping - 14 day period
I'm currently in the 14 day period since my credit (all 3) were pulled for a Mortgage Application.
A second lender pulled my credit today (still in the 14day period) and surprisingly, the new inquiry ...
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Does not having the full (good) payment history on report negatively affect me?
I've had my credit card since 2006. My credit-report reports the following:
Status: Open/Never late.
Date Opened: 06/2006
Reported Since: 06/2011
Date of Status: 09/2014
Last Reported: 09/2014
...
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4
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Should I pay half a large balance this month before I get my CC statement?
I have a CC with $6k limit. I normally spend between $0 and $1k on it and pay the balance in full every month. This month I have $4k on it.
If I wait until I get a statement to pay it off, will the ...
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I recently moved to the UK. Should I do something to build a credit history?
As the title says, I recently moved to the UK and obviously I don't have any credit history there but I think it would be a good idea to start building one, especially because sometimes in the (not ...
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Can a company run a credit check on me without my permission?
I understand that sometimes when dealing with companies over the phone or over the counter, they need to run a credit check.
I would have thought that as a courtesy they would at least tell you this ...
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Equifax credit report insurance quotations
I have just ordered a credit report from equifax. The credit report shows up all healthy except for a large number of (genuine) 'insurance quotations'.
These are car insurance quotations that I have ...
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How long will defect remain in credit history?
I have read this question/answer that suggests that it takes 7 years for items to clear from a credit file.
Is this the same in the UK? And in the meantime, if I have late payments showing on my ...
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How do I deal with a clinic billing mistake that was sent to collections?
Recently I created a CreditKarma.com account so that I can keep and eye on my credit. Upon logging in, I noticed I have a pretty low score (not that surprising since I just opened my first credit ...
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Old Cancelled Cards
I was living abroad during the credit crisis, and a few of my credit cards were cancelled for non-use during the crunch to tighten credit. As a result, I have one older account and several newer ...
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