Questions tagged [credit-score]
A credit score is a weighted number computed to determine your credit worthiness, and is relevant when arranging for credit or a loan. This tag is to be used for questions related to understanding how things would impact your credit score. Related tags are credit-history, credit-rating and credit-report.
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Does payment in the UK with UK billing address by using an EU debit card influence your UK credit score?
As per the title; additional clarification: the payment is in GBP and my debit card is registered at an EU address. I'm paying by using a paper payment slip, and I don't think that mismatch between ...
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What is the effect of filing a CCPA deletion request to the the credit reporting agencies?
Credit reporting agencies are required to comply with consumer privacy laws. Some of them, like TransUnion, do so transparently. They report they had 275 deletion requests, of which all 275 they ...
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Car Dealer ran 2 credit checks - At the end i didnt even buy the car, how to get the credit score fixed
Recently I've submitted the online credit inquiry form from the dealer after finalizing the car (online).
I visited the dealer and because of some reason (car interior) i didnt buy the car.
When i ...
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How much data does Zelle collect?
I know Early Warning Services LLC sees all payments made through Zelle. But do they also collect data on other transactions and accounts with your bank? What are all the privacy/security implications, ...
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How much does having an installment loan in your credit history matter vs simply having a good credit score?
Let's say you want to buy a starter home (at a reasonable budget for your income level) and have an excellent credit score of ~800, but you have zero history of taking an installment loan (student, ...
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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 (...
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How to maintain high credit score while opening too many credit cards?
Multiple credit cards have new user promo offers ($100 off first payment or similar).
I wish to take full advantage of these offers, and open about 4 new credit cards within the next year.
However, I ...
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Co-signer or Buyer that is the question [duplicate]
My stepmother asked me to co-sign on a brand new car. I did it because I felt obligated.
When we got to the dealership they said her credit was so messed up to get the car I had to be the primary and ...
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How can I open a student bank account when I am getting rejected for not having enough credit history?
I am presently a university student in the United Kingdom. I attempted to establish a student bank account through HSBC, but my application was declined due to a poor credit score. After some online ...
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Building credit history later in life
I am trying to build credit so in the future I could get a loan if needed probably a car loan. I’m 39 years old.I have never had a mortgage,credit card, or any type of loan in my name just household ...
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Impact of payment plan loans on credit score
Many online payment networks now allow instant installment plans for small retail purchases. Normally, the purchase would be a one time payment. These products transparently convert it to a payment ...
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Credit score drop
I went into Regions Bank and opened a c.d. , a small one. After leaving I checked my credit score and it had fell by 75 points. I have been working on it for about 3 years and had it up to 725. This ...
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How does paying off pending credit card charges effect credit score?
I pay off my credit cards online almost daily. Usually while charges are still pending so my account almost always shows a zero balance. I have a great credit score but I'd love to reach the 850 mark. ...
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Improving my credit score by getting my own card vs being added as an authorized user on a better card
Does getting added as an authorized user on my relative's higher tier credit card (with an annual fee and better benefits) have a different impact on my credit score when compared to getting my own ...
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How to obtain FICO score (not credit report, not any other score)
I'd like to obtain my FICO score. By what means can I obtain that? I am willing to consider methods that require me to pay for it.
I am aware that I can use CreditKarma to look at TransUnion and ...
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