All Questions
Tagged with credit-score credit-report
153
questions
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1
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55
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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 ...
- 24.2k
0
votes
1
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45
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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 ...
- 178k
5
votes
1
answer
402
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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 (...
CommunityBot
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2
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555
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Is there any catch in life time free credit cards against fixed deposits?
Many banks have offerred me life time free credit cards because of my good credit score. However, there are some banks which did not offer any life time free credit card. However they offer credit ...
CommunityBot
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1
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129
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How to maintain high credit score while opening too many credit cards?
Multiple credit cards have new user promo offers ($100 off first payment or similar).
I wish to take full advantage of these offers, and open about 4 new credit cards within the next year.
However, I ...
- 143k
1
vote
1
answer
178
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Why can't you see your credit score at all times?
I've just seen over the years that you can check your credit score now and then and sometimes it might lower it a small amount just to check.
Why isn't credit some transparent function of various ...
- 178k
1
vote
2
answers
83
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What is effect of full settlement on credit report
Suppose one has delinquency on credit cards that show R9 on the credit report. If he settles the credit card company with full payment, the credit report will show the status of settlement of full ...
0
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4
answers
3k
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Credit score dropped 73 points after applying for a new card?
Why did my credit score drop from a 762 to a 689?
According to creditkarma I got hit with:
JPMCB-Card Service: Opening a new account can temporarily lower your score because it adds a hard inquiry ...
0
votes
1
answer
298
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F1 visa and credit card debt
I am currently in the US on an F1 visa and I have over 4000$ credit card debt (4 maxed out credit cards). I make on time payments each month and should pay it all within a year. Can I leave the US and ...
9
votes
2
answers
3k
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Does a late mortgage payments hurt credit score if it was made within the grace period?
I'm a first time homeowner (USA) and just started making mortgage payments. My loan was sold to a different servicer within the first month of the loan, so I only made one payment to the first ...
- 47.2k
-2
votes
1
answer
125
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How credit score is improved after debts are paid off
Here is a scenario for the credit score improvement I am interested in. Suppose a person can not pay the credit card debts for over 6 months. This is very bad for his credit score because unpaid cards ...
CommunityBot
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1
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151
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Which is worse for credit score: requesting the closure of a retail card or letting it close due to inactivity?
I applied and was approved for a TD Retail Card Services store credit card about two weeks ago but ultimately did not use it for my purchase. The card is currently sitting at $0 balance, and I do not ...
- 7,924
3
votes
1
answer
274
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Can debt collections show up on my credit report if the collectors haven't contacted me first?
Can debt collectors report to credit bureaus when they haven't contacted me yet?
CommunityBot
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1
vote
2
answers
182
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How to increase CIBIL score?
How to increase cibil score if your credit card and personal repayment history are not consistently good?
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2
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344
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My credit utilization went down from 19% to 2%. Why did my credit score go down?
According to multiple different credit score trackers, between last month and this month, the only change on my credit report was a significant decrease in my credit utilization (from 19% to 2%), ...
- 8,513