All Questions
Tagged with credit-score credit-report
153
questions
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
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
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
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
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
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
14
votes
1
answer
257
views
What is the best way to go about cleaning up a poor credit rating?
Is it true that poor decisions you make now can affect you for up to seven years? Can they negatively-affect one beyond then? What are some steps one could take to repair the damage?
- 8,683
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
12
votes
3
answers
6k
views
How can I inform the collector that I have paid the landlord in full, to update my credit report? Will it help my credit score?
Unbeknownst to me, some apartment debt I paid had already been sold to a collections agency before I actually paid it. Now the collections agency still thinks I owe, (according to my TransUnion report)...
- 413
12
votes
4
answers
2k
views
Should I pay an erroneous bill in collections if it is a tiny amount?
I have a very small bill amounting to $43. I was billed this amount when a medical services company sent me a product that I did not order. (It was probably ordered on my behalf by a doctor I visited....
- 221
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
10
votes
4
answers
7k
views
How do I fix my credit score when I have bad things in my credit history?
I am trying to improve my credit score and have been looking for companies to take charge of this effort. But I found them to all be shady at best so I have taken the task upon myself.
I have not yet ...
- 417
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
9
votes
2
answers
3k
views
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 ...
- 232
9
votes
5
answers
1k
views
Why Am I Having Such A Hard Time Getting a Credit Report?
I have always heard about evil credit card companies preying on vunerable college students. I find that quite interesting, considering I've found it impossible to get a credit card! Even more ...
- 145