All Questions
Tagged with credit-score credit-report
153
questions
7
votes
3
answers
1k
views
Do I not have a credit score?
Today I tried to access my credit report for the first time from the three major agencies using annualcreditreport.com.
When accessed through Experian, it gave me a generic error that my report wasn'...
- 173
1
vote
1
answer
915
views
Excessive Credit Check from Comcast
I used to be a customer of Comcast, but left them a long time ago for another ISP. When I started doing business with Comcast, they performed a credit check on me. At that time, I had no issue with it ...
- 11
5
votes
2
answers
19k
views
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 ...
- 319
2
votes
1
answer
242
views
Removed late payment, score went down
I'm in the process of securing a mortgage. My mortgage lender pulled my credit score approximately a month ago and it came back at 695 which was lower than it has been in the past. We assumed it was ...
- 123
1
vote
2
answers
574
views
Best way to deal with a $2700 Collection for unpaid apartment expenses
I am looking to rent a townhome and I have a credit score of 762.
Over a month ago I got a notice about a new account on my credit report, so I look into it. $2800 collections notice from an ...
- 13
1
vote
4
answers
254
views
Payment plan with bank or negotiate with collection agency?
If I have a credit card bill that's months over due, I assume my credit is already shot because of the bill being overdue. The bank sent a notice that if I don't respond within a certain amount of ...
- 10.2k
3
votes
1
answer
164
views
How do I remove a charge-off from my credit score?
I currently have a credit score of 667. The only negative note I have is from a credit card where I owed $4,100 but failed to make any payments for 22 months. That debt was eventually charged-off. ...
- 161
2
votes
1
answer
158
views
What should I know before applying for a student loan? Should I pay off all or as much of my CC debit first?
Before taking out a student loan, would it be best to pay off as much of my Credit Card as possible to help get the best APR%?
I have 1 CC with a $5000 limit unused. I have another with $7500 on a $...
- 1,199
1
vote
1
answer
247
views
How to add missing items to credit report
I recently paid off 100% of my debt. It was in default for more than 7 years. My credit report showed these accounts in default, then the accounts were eventually removed from the credit report ...
- 155
13
votes
3
answers
3k
views
Does having multiple credit cards contribute to "credit mix"?
Right now, the only credit account I have is one credit card, which I've had for about two years. If you don't count as debt the couple hundred dollars I put on that card and pay off in full each ...
user45657
2
votes
2
answers
450
views
UK equivalent of annualcreditreport.com?
From https://money.stackexchange.com/a/52272 I learned that (apparently) US federal law says I can "Get a free copy of your credit report every 12 months from each credit reporting company.", through ...
- 21
0
votes
1
answer
281
views
How long before proper credit card utilization counteracts the hard inquiry?
I know this will depend on personal factors, but let's aim for a rule of thumb. They say not to apply for credit anytime before asking for a loan, and this question is not specifically for that ...
- 121
11
votes
1
answer
4k
views
Why did my credit score plummet in a week? [duplicate]
I check my credit score on Credit Karma every week just to make sure everything is ok. Every now and then the score goes up a point, sometimes based on utilization it goes down a point or so.
However,...
- 272
1
vote
2
answers
182
views
How to increase CIBIL score?
How to increase cibil score if your credit card and personal repayment history are not consistently good?
- 111
1
vote
1
answer
1k
views
Not Paying Loan Should I opt for One time Settlement. How will this reflect in CIBIL score?
I have loan. I didn't pay EMI for the past 1 year.
Now the bank has provided me the option of One Time Settlement. This is roughly half of the entire loan.
If I pay the One time settlement , how ...
- 199