Questions tagged [credit-history]
for questions related to credit worthiness history, related tags credit-score, credit-rating and credit-report
260
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Should I keep recently opened Credit Cards that I don't use?
After investigating these questions (1 and 2) I am still in doubt in what to do with my current situation.
I have many credit cards because over the years I have been given better deals on them. So I ...
- 5,825
14
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4
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Is it better to have/use more credit cards to build credit history/score?
If someone has a credit card with $5,000-$10,000 credit line, and the average amount of monthly payments of this person is around $1500, what is the best scenario for this person to increase their ...
user109157
13
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3
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What happens to your credit score on prolonged absences from the US?
What happens to your personal credit score when you live overseas for over a decade while only maintaining a checking account and a credit card(used only on the short trips back to US), but no ...
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2
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Will upgrading my credit card affect my credit history length?
Background: I recently graduated from college. I have had a student credit card (Visa) with Wells Fargo since 2008 and it is my only credit card. Obviously, I do not want the history of this card to ...
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3
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7k
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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, ...
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12
votes
1
answer
816
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Myth, or not: If using a secured card to build credit, paying off in part each month has more benefit than paying in full?
Does paying off a secured credit card in full each month not allow me to build a credit history?
I'm asking because reading about regular credit cards indicates that paying in full helps build a good ...
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2
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1k
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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
11
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4
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4k
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0 APR Promotional Offer For Credit Cards
I’m currently learning about personal finance and I just found out that there are some credit cards that will give zero interest rate for a certain period of time (10-20 months).
I know that to get a ...
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11
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1
answer
479
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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
10
votes
3
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6k
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How do I raise my credit score from 720 to 800?
My FICO 8 score is 721 and my VantageScore 3.0 is 735. I have opened 2 accounts in the past 2 years:
An AMEX Gold card in October 2022
$30k loan in May 2022 to purchase a vehicle
I also have a 30 ...
- 203
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4
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Should I max out my first credit card in order to build credit if I can pay the balance immediately?
I was just approved for my first credit card. I will be making a large purchase soon which will exceed my credit limit. I could split the purchase between cash/debit card and my new credit card or ...
- 203
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4
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7k
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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
10
votes
2
answers
181
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How to approach eliminating a record in my credit history that is hurting my score
I have a record in my credit history that shows a delinquency from 4/2005 that was paid off but was also marked as a "charge off." As of January 2011, this record no longer shows up in my file for ...
user2730
10
votes
1
answer
685
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Medical bill sent straight to collection agency
I was very surprised to receive a letter from a collection agency regarding a medical bill incurred during my wife's pregnancy last year. We never received any correspondence via mail, e-mail, or ...
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3
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4k
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Why was my credit card just cancelled?
I have had a credit card with Bank of America for many years. I also have a long-standing card with another bank, a Sears card, and a newer card (< 2 years old), for a total of 4 credit card ...
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