All Questions
Tagged with credit-score credit-report
153
questions
1
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2
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274
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Would Getting (and Paying) an Installment Loan Benefit My Mortgage Rate
I am planning to buy a house (in the US) in about 9-12 months. I've read from different resources that an installment loan may boost my credit score if I make my loan repayments on time, as this is ...
- 125
0
votes
3
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541
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As authorized user why is the credit utilization of the primary card showing in my report
My wife added me as an authorized user on her credit card account and I received a card with my name.
The credit limit is still the same and is shared.
I have recently started seeing it in my ...
- 1,936
3
votes
1
answer
389
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Credit score on credit card application is much lower than reported credit score on Experian
My girlfriend applied for a credit card and was approved. The approval letter included her Experian score, which stated a score of 645 (I don't remember the exact number, but that neighborhood). She ...
- 259
-2
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2
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185
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How can I force a reconciliation between VantageScore 3 and FICO® Score 8?
My wife's credit score via VantageScore 3.0 (via CreditKarma, which is based on TransUnion data) is 790.
In contrast, My wife's credit score via FICO® Score 8 is 670 (also based on TransUnion data)....
- 253
1
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213
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Impact on credit score of opening and closing accounts
I'm planning on buying a house sometime in the Winter of 2020 to spring 2021.
Currently, my credit score is about 770 and I have the following open credit lines:
A 2.5 year old $25,000 Prosper loan ...
- 85
1
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3
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290
views
Large credit score drop
I use Mogo to review my credit score every month.
I just moved to Canada so it took a while to even kickstart my rating, however, Mogos history shows.
Dec (2 months after I got my credit card) - ...
0
votes
1
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259
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Please help me increase my credit score. Take a look
Its been a journey paying off old debts and getting some creditors to wipe the slate clean. Below is my current situation. Any tips/recommendations on which way to go? 2 accounts are closed.
- 119
5
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1
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382
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Can my neighbours affect my credit report and/or credit score?
My wife and I live in a single building (in London, England) which contains three flats/apartments.
We rent our flat privately (private tenants, renting from a private landlord) and the other two ...
- 211
0
votes
3
answers
175
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Auto loan finance for building credit
I recently moved to the USA and I have no credit history. I want to buy a car that costs $18,300. My down payment will be $12,000 and I will finance the balance at 15.4% (extremely high!) over 36 ...
- 101
2
votes
1
answer
3k
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Does paying off my credit balance before the due date for a lower utilization rate hurt my score?
Last month I opened a cash rewards credit card with Bank of America. I am worried about my credit score, as my first closing date was the end of September. I paid off the balance that I used a ...
- 23
5
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3
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533
views
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. ...
3
votes
2
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211
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What is the most efficient way to dispute an invalid collection on a credit report?
I had a surgery and a ton of medical issues. All but one thing went through insurance. The healthcare provider for that one thing went straight to collections. I contacted them, and my insurance ...
- 131
0
votes
2
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527
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Can U.S. car dealerships pull your entire credit report or just your FICO score?
In the U.S. can car dealerships pull your entire credit report, or just your score if you go into them to apply for a loan? Of all the research I've done, it sounds like its just your FICO score that ...
- 383
1
vote
1
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213
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How does this credit scoring work?
I live in the UK, where credit referencing agencies are seen by many (myself included) as the devil. They hold a lot of life-critical information about me but they don't want to share that info, not ...
- 999
0
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3
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183
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How will having two active credit accounts with different balances affect my monthly credit scores?
I heard that with the new FICO model, they want you to spend ten percent or less of your credit limit to keep your scores from dropping.
I recently applied for a second credit card, one with four ...
- 282