Questions tagged [credit-history]
for questions related to credit worthiness history, related tags credit-score, credit-rating and credit-report
11
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Best possible outcome from paying a charged-off account
I had an auto loan from 2011. All but about 1,800 USD was paid off. Various financial challenges and a dose of me sticking my head firmly in the sand led to the account being charged off. I handled ...
- 131
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Should I remove a closed account in my credit history?
In my country, after a credit account (e.g. credit card, loan, mortgage) is closed, I have the option to request for this account to be removed from my credit history provided that there were no late ...
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How soon (after your first credit card statement ever) do you get a credit file/history in Canada?
How many days after your first credit card statement EVER does one get a credit report on file with one of the two Canadian bureaus? I'm trying to develop Canadian credit on my first credit card and I ...
- 361
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Does mobile phone account negatively affect credit score?
I generally try and keep my credit utilization on my credit cards as low as possible, by having a high limit, and making payments frequently to keep the balance low.
I was looking on my Equifax ...
- 111
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Single late mortgage payment is hurting me a lot
I'm from the US and I've recently applied for HELOC refinancing at a much lower rate (-2.00%), but underwriter has decided to deny the application due to a single late mortgage payment made in Jan ...
- 111
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Regarding leasing removal
I am living in shared accommodation. I am a student and not working yet so I don't have a SSN. But due to some reason I want to move out from apartment and my name is also on the lease, so I need all ...
- 111
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70
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Does business credit score transfer over when you incorporate from a sole proprietorship?
I have a newly registered sole-proprietorship in Canada that I am trying to build credit for. If later down the line I decide to incorporate my business, will the business credit score from my sole-...
- 133
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119
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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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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 ...
- 405
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106
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Vehicle Trade-In
An ex-girlfriend and I took out a car together. After breaking up, she decided to trade in the car and get a new one. The dealership sent me a Power of Attorney form to fill out to have our car used ...
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Establishing / freezing credit for a new immigrant?
A relative migrated to the US and obtained permanent residence, then citizenship. They'd like to freeze their credit, but they don't yet have any to freeze. Since they now have a social security ...
