All Questions
Tagged with credit-score credit-report
153
questions
2
votes
1
answer
185
views
Collections account on one credit report yet CreditKarma reports my scores are almost the same. Why?
I've been fighting with the credit reporting agencies to get an incorrect collections account removed from my report. Two of the three have complied, but TransUnion is being very stubborn. It's been ...
- 1,876
0
votes
1
answer
141
views
How do credit checks work?
How do credit checks work?
I am considering a loan to a person who doesn't have credit and isn't eligible to get a loan from a bank.
How does the logic of credit checks work? At least, I hope to ...
- 1,117
1
vote
1
answer
213
views
How much can owning part of a liquidated company affects my credit score?
As part of my employee compensation when I started working for a small startup, I got 5% of the shares. The company didn't make it and the founder wrote me to tell me that he's going to liquidate it, ...
- 11
5
votes
4
answers
3k
views
Should I pay credit card balance to ZERO, or just the balance due?
I have a credit card set to pay the balance due in full on the due date automatically, so I don't pay interest. By the time the due date hits, my actual balance is of course, almost double the ...
- 175
20
votes
1
answer
4k
views
If you put a freeze on your credit, will your credit score stop changing?
I have placed credit freezes at all three agencies in the US. I have existing debt that I am paying on time, will the credit freeze stop that activity from being recorded and helping my credit score?
- 301
2
votes
3
answers
431
views
Is it ok to have multiple life time free credit cards?
I am currently having two life time free credit cards. These cards do not charge any annual fees. And another bank is offering me such credit card. I was thinking if I should go for it as
its rare ...
- 173
1
vote
2
answers
281
views
How to remove a late payment from my credit report?
My boyfriend had horrible credit, so we bought a living room set with my credit, but when we broke up he decided to stop paying on it (even though he kept the couches) and I didn't realize till 90 ...
- 113
5
votes
3
answers
2k
views
Do I need multiple credit monitoring services?
I currently have credit monitoring through Experian and I pay extra for it to monitor all three credit bureaus. In light of the recent Equifax breach and Equifax offering credit monitoring for those ...
- 10.2k
1
vote
4
answers
586
views
How to go from Good to Excellent Credit for Free?
I looked up my Fico score for the first time in March of this year--it was 766. At that point, I had two credit cards, one that I used for almost everything and a store card that I hardly ever used. ...
- 183
6
votes
1
answer
133
views
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, ...
- 2,905
5
votes
2
answers
441
views
After successfully disputing a derogatory item on my credit report, can it reappear?
I have been fighting off an erroneous derogatory comment (collections) on my credit reports for the past few months. Two of the agencies have removed the item and I expect the third to follow suit ...
- 1,876
22
votes
4
answers
11k
views
Car dealer saying that they cannot see any credit information for my co-applicant. Could this be a scam?
A couple of days ago, I went to a Chrysler dealer here in Florida to look for a new car.
Being that my credit score is currently somewhat low (about 680), me and my wife thought that we could have ...
- 335
1
vote
1
answer
3k
views
Credit report in Italy
I am Italian, looking to move back to Italy.
I'd like to know if Italy has some sort of credit-score or credit history and this is actually checked on mortgage application?
Is credit score report ...
- 139
21
votes
5
answers
5k
views
Confused: Should I be opening more no annual fee credit cards to improve my score with the intention to not use them?
I was told that having more cards and more open accounts was more of a risk factor since you have more credit to abuse. However, this seems to say otherwise that credit trackers actually encourage you ...
- 1,199
-1
votes
1
answer
171
views
Is using multiple sites to get your "free credit score" a bad idea -- do all credit review sites pull from the same data?
My bank has a free credit score review option. There are several sites that offer it. Does it matter which one you pull from? Do they all pull from the same sources so the data is all the same or does ...
- 1,199