Questions tagged [credit-score]
A credit score is a weighted number computed to determine your credit worthiness, and is relevant when arranging for credit or a loan. This tag is to be used for questions related to understanding how things would impact your credit score. Related tags are credit-history, credit-rating and credit-report.
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If I pay my credit card balance immediately, will my credit score still go up fast?
I heard that it's good to have a balance because then the bureaus report that balance -- if you pay it off before they report it, they report zero.
Since you want the bureaus to know that you use ...
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Equifax credit score discrepancy in 1 month, why?
I just went to Citi Bank's website (which gives free FICO scores from Equifax for users of some credit cards) and I realized that the score I saw there was a whopping ~50 points higher than the number ...
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Pay off car loan entirely or leave $1 until the end of the loan period?
Background information:
I have a car loan that doesn't require payments if I'm ahead on the loan (but accrues the interest, of course, on the balance remaining). I still have a year and a half on my ...
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Global credit record: Would my good credit history apply internationally?
Does my credit record apply internationally?
For example, if I have a good credit record in Australia, with a car / house loan and a credit card or two, can my good credit rating be seen by banks and ...
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Should I keep a credit card open to maintain my credit score?
I have a credit card that was opened when I first got out of college, and was my first credit card. Since then, I have switched to cards with rewards, figuring that since I pay it in full each month, ...
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Are cosigner finder websites like hireacosigner.com, cosignerfinder.com etc. legit?
I am a foreigner to USA and would like to pursue masters in CS in USA. But based on the current state of USD, I won't be able to pay the costs of tuition on my own.
So, I will be taking a loan from ...
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Should I keep recently opened Credit Cards that I don't use?
After investigating these questions (1 and 2) I am still in doubt in what to do with my current situation.
I have many credit cards because over the years I have been given better deals on them. So I ...
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How many credit cards do I need? Should I open another just for the cash back feature?
I just got a mailer from Discover offering a new card, with 5% back on some items and 1% back on everything else. However, I already have a Visa which I have had for a few years.
Does it make any ...
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Using a secured credit card to build a credit score for a new permanent resident
I am a new permanent resident in the US (originally from the Netherlands) and married to an American citizen. I am not used to the credit score system as they use it in the US, so this is all new to ...
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I just moved to the United States. What should I do to develop a good credit rating, fast?
I just moved to the US for working purposes, and found out that for a lot of stuff you buy, you need to have a good credit rating (or pay more, or make a security deposit, etc).
I found out also that ...
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How does applying for credit affect your credit score?
How does applying for credit affect your credit score?
I was answering a question about getting a loan and realized I don't have detailed information on how applying for credit (even if you do not ...
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Should I close my BestBuy Credit Card? Will it affect my credit score and history?
I was young and stupid and opened up a Best Buy credit card 5 years ago. I bought a new laptop and also a lot more stuff during these 5 years. I have bought over 10,000 dollars worth of stuff and paid ...
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Get car loan w/ part time job as student with no credit, no-cosigner but no expenses
This is the only place where I knew to turn for a question like this. I am a student (if that will make me look better to the loan officers), but I'm fairly certain I have no credit. I took out a ...
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How to build a U.S. credit history as a worker on a visa?
I am 30 and looking serious at moving to the United States to take a lucrative (career wise) job. Assuming I get the job offer and accept it, how can I go about getting credit in the US?
I am from ...
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Will paying off an old $8 collection hurt my credit?
Let me explain a little more. I was the victim of a car accident and medical bills went through the roof. I had about $16k racked up, then my settlement finally kicked in 3 years later and paid it all ...
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