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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Why Is My Application Being Sent To The Fraud Department
I have good credit and no credit problems. To verify, I just pulled a TransUnion report and it was clean. Recently, I tried to open an account at Navy Federal Credit Union. Everything was going fine, ...
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How can I get a home loan within 2 years of bankruptcy?
About 1.5 years ago I had my bankruptcy discharged. Now, the lease on my house is up and I have about $7k for a down payment on a small starter house (they asking $55k)
However the 2 places I have ...
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My credit score has been erased. What happened?
In 2006, I bought my first car with a loan. In 2008, facing a number of emergencies, I took out a credit card and maxed it out. I worked hard not to miss a single payment on either and to pay off the ...
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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, ...
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Will paying off my car early hinder my ability to build credit?
I don't have much credit because I am young but I did recently purchase a car which I am paying 9% on. This seems ridiculously high to me and I was thinking about pulling out some of my stocks to pay ...
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Multiple hard inquiry for a single loan from car dealer?
I'm new to the US and trying to build a good credit history from the beginning.
I've just purchased a new car (an hour ago) from an Toyota dealer with a loan from them. I received an alert now from ...
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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 ...
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Is it advisable to take small planned loans before going for a huge home loan?
The area that I am focusing on is related to get lower interest rate
when applying for a house loan 4-5 years down the line.
After graduating from school and having a job, the credit score> ...
- 243
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Can Having Less Debt Lower Your Credit Score?
Background:
In preparation to buy my first house I've started keeping an eye on my (Experian FICO) credit score, and I've been seeing behavior that is very strange. After a year of my credit score ...
5
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4
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Does opening a checking account cause a hard credit pull?
I was going to open a new bank account, particularly the Wells Fargo promotion that puts $400 in your account if you meet some direct deposit requirements.
I called and asked if they will do a "hard" ...
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Can you hurt a nonexistent credit score?
I am a student, I just started my sophomore year. I have always been very financially responsible. Now, I want to start building my credit, so I did my research and applied for a student credit card. ...
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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 ...
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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 (...
5
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Is it actually necessary to notify the big three USA credit reporting agencies, on a death?
Typical advice is to notify Experian (888-397-3742), Equifax
(800-685-1111) and TransUnion (800-888-4213) on the death of an individual.
However, is this really needed? The banks seem pretty good ...
- 2,560
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How to build a credit history, for a 78 year old with none? Turned down for secured card
I helped a 78 year old neighbor apply for a secured credit card but he was turned down for having "no credit history".
He has had no credit cards for 30-40 years, no credit accounts, nothing. On ...
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