Questions tagged [credit-history]
for questions related to credit worthiness history, related tags credit-score, credit-rating and credit-report
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Can prior credit card accounts with a specific bank affect your chances of approval for a future card with the same bank?
I had a Citi Mastercard for several years. About a year ago, I hit a couple bumps in the road and ended up having to settle with a collection agency on the account and it now shows up on my credit ...
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Applied for car loan and got denied: No credit history or no credit file
I am currently looking for a loan to purchase a new vehicle. I just called my bank, and after briefly discussing with them, they said that I can apply to a 2.74% loan. This is the best I have found so ...
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18 year old building credit
I'm 18 and currently my credit score was 524, only because theres an overdue bill of $500 from when I was a minor in my derogatory marks. I have disputed it through credit karma for Tranunion and it ...
- 550
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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 ...
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Will Freezing My Credit Score Help Me Hide My Current Address?
I grew up in an abusive household and don't speak to my parents.
Recently they found out where I live - very far away from them - and showed up unannounced at my door.
I understand my credit report ...
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Credit freezes aren't available in Canada. What options are available to protect against identity theft?
It looks like credit freezes aren't possible in Canada. Despite this, there is some evidence that identity theft is a bona fide problem in Canada:
RCMP states that in 2009 there were 11,095 identity ...
2
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1
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356
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Change credit card, keep age of credit line?
I have two credit cards that charge fees and have significantly downgraded their value to me. In both cases I would like to switch to no-fee versions of the same card, but I don't want to reduce my ...
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Will my credit score go down if I don’t borrow money for few years?
My credit score is relatively high. Due to personal circumstances I don’t intend to use my credit cards for the next 3 years. I won’t be getting any loans either.
At the moment I have no debt at all, ...
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How soon can I close Amazon rewards credit card after opening?
I got the card today for the $70 sign up 'Gift Card', only have 2 other credit cards with $5,000+ limits with $0 balance on both and want to know when I can close the Amazon account. I only spent ....
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When does credit card utilization matter?
I'm learning more about credit before I get a credit card, and I read that it's advised to never use more than 30% of your credit card's limit.
Let's say someone has a $2000 credit line and he spends ...
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Can you build credit history without getting a credit cards or taking on debt?
As far as I know I have no credit history as I have never had a loan or credit card. I buy things using a debit card tied to my credit union bank account and prefer not to have a credit card at all. I ...
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Credit score and financing new car
Little bit about my situation-
Bought a car with cash about 5 years ago, at the time it was a year old. That car is now a total loss and I’m receiving about 5k for it from my insurance. I’m now in ...
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How much impact does employment have on credit score?
I'm in college, so I'm not exactly employed, ignoring occasional jobs here and there. I'd like to apply for a few new credit cards, and I noticed I don't have employment on my credit report. My ...
CommunityBot
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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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Should I open a credit card when I turn 18 just to start a credit score?
I spend about $20-30 a week on my debit card, with periodic $200-300 purchases every few months. I've thought about getting a credit card the moment I turn 18 and using it to buy everything, then ...
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