Credit Score-Free Credit Score

R Bennett asked:


If you open a credit card, but don’t use it or don’t carry a debt balance. I read the more inquiries on your credit score, the lower it goes. I found a deal where I can get free stuff through Discover card just by opening a new card.Thanks!

Jason

DawnChey asked:


I need to increase my credit score. My credit score is currently 664. Do you think a bank would even consider giving me a loan on a house?

Mike Kolker

cs asked:


I need to improve my credit score by 4 points for a loan. Is there anyway to quickly improve your credit score over a few weeks\months?

If I pay off the remainder of some of my student loans could my credit score jump immediately?

Eugene

usranger4640 asked:


my credit score is low way low and it is due to credit cards… im trying to get a loan, but no one will lend due to my score, how can i raise it up?

Marvin Forte

All the good names are taken asked:


My credit score is still in the 400′s. I paid off all of my collections and my credit cards. I recently purchased a new car with a co-signer and i pay more than my monthly payment. But my credit score is still in the 400′s and it’s been more than a year since i paid everything off. Is there any other way to improve my credit score?

Josue Cristobal

AFGuY16 asked:


I know that when you have a balance that is over half your credit limit, it hurts your score. Question is, let’s say I have 3 cards that have a 10,000 limit and I have no balance on two, but 8,000 on one, will this hurt? Does credit constitute all available credit, so 8,000 out of 30,000 is OK and my credit will not suffer? I never understood the details. Thanks for the help.

Marci Jerkin

Eric asked:


We want to go with At&T I’m wondering what type of credit score are they looking at? I
if you don’t need a credit score then why do some people not qualify with bad credit?

Merrill Rothenberg

psalmnjam asked:


I know when you add someone as an authorized or joint user on a good standing credit card, that good history gets reported to their credit report. But can their low score affect your good score in any way? Aside from them not making payments, etc, on the card.
Thanks!

Dennis Smeltzer

concerned mom asked:


Can adding a family member with no credit history to your already established credit card impact your credit score? Would it help establish any credit for the family member?

Meghan Ronnfeldt

thetigersnameistony asked:


I am trying to understand my credit situation better so I can fix it. I get a lot of conflicting responses and am not sure what to do.
I have a huge child support debt from about 9 years ago (I am 30) when I was in a situation in which I was unable to work. It is about $16,000. I have been paying on it for years and finally got the interest dropped last month so that my payments actually affect the balance.

I have a judgement to my apartment complex for about $3,000 (which was paid in full.) This was from last year.

I have never had a credit card and have no loans or anything. My credit report lists my 3 child support cases as my 3 accounts.

When I paid for my score it said I was unable to be scored, though in an answer to another question I asked someone said I do have a credit score but its probably low.

Will the public records affect my score and how so. Since I paid the judgement to my apartment complex in full, should that be refected somewhere on my report?

Elnora Popescu