Questions tagged [credit-history]
for questions related to credit worthiness history, related tags credit-score, credit-rating and credit-report
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How can I get approved for a store credit card?
How is a person supposed to get approved for a store credit card if they have insufficient credit history?
I just received a secured Visa card, but am wondering how long it will take to establish a ...
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How do the personal finances of additional cardholders affect your reputation?
I have excellent credit myself, but I have on my account an additional cardholder (family) whose credit isn't so spectacular. (They only use the card for emergencies and always deposit cash in my ...
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How will making monthly student loan payments before grace period ends affect credit?
I recently graduated with student loan debt, and my grace period will be ending soon. Most of these loans are subsidized, meaning I do not pay interest until the end of my grace period. If I begin ...
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How do I fix my credit score when I have bad things in my credit history?
I am trying to improve my credit score and have been looking for companies to take charge of this effort. But I found them to all be shady at best so I have taken the task upon myself.
I have not yet ...
- 417
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Why would something vanish from credit report?
I just got my Fico score (myFico.com) and was stunned when it was 67 points higher then 10 months ago (650 to 717).
I noticed it was missing a medical bill I still haven't paid from 2008 for around $...
- 241
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Is it beneficial to my credit score if I close my youngest credit lines while preserving my current credit utilization rate?
I have several newer credit lines that I opened to get cheap financing for buying some appliances. They are paid off now, but they are really hurting my average age of credit line portion of my credit ...
- 197
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Credit History from ITIN to SSN
I am an international graduate student on an ITIN (I recieve fellowship and not assistantship so I am not eligible for SSN). I will be changing to a job that allows me to have an SSN next July.
Right ...
user6865
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Does it make sense to remove old entries from my credit report?
On my credit report, I have a ton of stuff that ended in 2002, 2003, 2004. Theoretically speaking, these items should not be on my credit report due to age. None of these items are negative.
...
- 3,817
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Is NO credit history the same as BAD credit history?
I found the following article which said
If you don’t use a card at all, you have no credit history. That’s
almost the same as bad credit history.
1) Do they mean the same?
2) If YES, why?
3) ...
- 961
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What percentage of your credit card limit should you use [duplicate]
Possible Duplicate:
What is the optimal ratio of used credit to credit limit for your credit score?
Does length of credit history or percent of credit used count for more?
I just read this ...
- 361
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Bank statements - should I retain hardcopies for tax or other official purposes (or keep digital scanned copies)?
Should I retain bank statements hardcopies for tax or other official purposes? Or are scanned digital copies valid in such circumstances?
I am a salaried employee with no other income and fairly ...
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How long to wait before refinancing a high interest car loan, after improving credit history?
I had no choice but to finance a car loan at a pretty disgusting rate (14%) thanks to "insufficient credit history" back in the end of September. My credit score was good.
Now it's January; I've been ...
- 1,319
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What can I realistically do to raise my credit score?
I have a crappy credit score. My situation in a nutshell:
In the divorce, the ex got the home, which was then foreclosed on. My name was still on the mortgage. That was in 2009 or so.
I attempted ...
- 3,817
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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
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Paying off all your credit cards but one before statement generation date : helpful?
Some people advocate paying off all your credit cards but one before statement generation date, and maintain a utilization of no more than 9% on that card
Here is my understanding and information I ...
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