All Questions
Tagged with credit-score credit-report
14
questions
25
votes
6
answers
4k
views
Why is a US credit score based on credit utilization?
As a European citizen I am somewhat puzzled by how American credit scores work. The US is one of the few, possibly the only country where such a strong focus is put on the utilization history of ...
- 689
45
votes
7
answers
3k
views
How can one get their FICO/credit scores for free? (really free)
TV and the web are filled with ads promising to give you a free copy of your credit report. Unfortunately, instead of being wholly free, they are actually free trials, which means:
You only get them ...
- 2,209
8
votes
2
answers
1k
views
My credit score took a massive dip. Why?
I checked my credit score today and it took a massive dip compared to one month ago:
Ignore the gray line - it's immaterial.
Transunion - Green
Experian - Blue
Equifax - Red
I downloaded the credit ...
- 3,817
6
votes
2
answers
309
views
Do I have to pay interest to increase my credit score?
I am going to ask this oft repeated question one more time because:
I have heard many of my friends say that the best way to increase your credit score is to take a loan ( at an interest) and then ...
- 413
20
votes
4
answers
7k
views
What can I realistically do to raise my credit score?
I have a crappy credit score. My situation in a nutshell:
In the divorce, the ex got the home, which was then foreclosed on. My name was still on the mortgage. That was in 2009 or so.
I attempted ...
- 3,817
10
votes
3
answers
300
views
Are credit monitoring services worth the monthly fee?
Several services offer to monitor your credit - supplying you with an updated credit report every month and your credit score, too.
Are they worth the monthly cost ($10-20 is the range I've most ...
- 3,229
7
votes
1
answer
1k
views
Shopping around for loans without detrimentally affecting credit rating/chance of getting said loan?
I've found myself stuck in a quandary. I put a deposit down on a car and I'm trying to obtain a personal loan based on this. The problem is that I'm finding that despite passing all initial checks ...
user24734
7
votes
1
answer
1k
views
Effect of going over the credit limit on a credit card to your credit score?
If I have a credit card balance that is over the credit limit, and I don't go under within 30-days, the provider will report the overage to the reporting agencies. If you have generally good credit (...
- 630
7
votes
2
answers
709
views
Does closing a normal bank account affect my credit like closing a credit line?
I have a checking account that I once opened to divide money into different piles. I have since stopped doing that and want to close the checking account. I still have other checking accounts with ...
- 25.3k
6
votes
1
answer
18k
views
Can a company run a credit check on me without my permission?
I understand that sometimes when dealing with companies over the phone or over the counter, they need to run a credit check.
I would have thought that as a courtesy they would at least tell you this ...
- 405
6
votes
5
answers
472
views
What are good tips for someone starting out to establish good credit history?
When you started out on your own, whether it was moving out of home for the first time or getting that first job what things did you do that helped your credit rating/history?
- 6,230
4
votes
3
answers
2k
views
Why is my credit card not showing on my credit report?
I have just got my credit report. All seems fine, but I have noticed that there is no mention of my credit card on the report.
I only have one and it is with the same bank current account. I was a ...
- 878
3
votes
2
answers
2k
views
Transunion is "unable to locate credit report." Should I be concerned?
I've been reviewing my different credit reports (from Experian, Equifax and Transunion). Equifax spelled my name wrong, and it's not extremely clear that I managed to fix that. But that's not the ...
- 241
0
votes
4
answers
3k
views
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 ...
- 281