Credit Score-Free Credit Score

erin.danu asked:


I have very limited credit history. I started this January. I read that I have to get a few credit cards to build credit history. I have a secured card from Citibank which only has 200 credit limit. A Citibank secured loan for 500. Bank of America gave me 4000 CL for A Worlpoints Platinum Plus Credit Card. I have a ChaseFreedom Mastercard too. Thing is I’m preparing my credit history for a car loan. I applied for other credit cards in one day and got a few rejections… reason being having too much inquiry ( ok, i know i should have not made too many applications but i figured to just do it all at the same time) and too low credit line. But I never missed a payment, I only use 30% of my credit line and pay off more than the minimun balance.
Questions :
How bad will these inquiries affect my chances of a car loan?
How many months should I wait to have this fixed?
How can I increase my credit score?

Thanks!

Angel Wohlfarth

Sunfire03 asked:


I want to apply for a loan to get out of this financial mess, does anyone know the lowest credit score that is accepted?

Chi Ober

WorkN asked:


My credit score is 750 and my fiance’s credit score is 600. What happens when we get married – will we both have a combined score or will they remain separate. Also, we want to buy a house. Would it be wise to buy the house before we get married under my name and using my credit score? We may delay the wedding based on his low credit score. Is that prudent?

Pilar Bellfleur

Franklin asked:


I made a few mistakes here and there and have some medical bills on my credit report along with other collection accounts. I have 3 credit cards that I almost have paid off and project to have my credit report clear sometime this year. My question is once I have the credit cards paid off as well as my collection accounts how would I go about improving my credit score?

Also should I keep all 3 of the credit card accounts open?

Gertha Dolven

nutty asked:


My husbands credit is much higher than mine. Will they average the two scores ort take the lowest credit score and base the mortgage rate on that?

Laverne Coger

jeremy asked:


I was without a job last year and my Credit has suffered terribly. I have caught up on late payments and my credit score is a 550. Will I be able to get a loan for a new car? Anybody in car sales out there? I can put about $5,000 down.

Lane Belousson

Tapper asked:


I have heard from several people, who check credit scores online, that by checking your credit score online it will lower your actual credit score. Is this true or false? If it is true, why would that lower your credit score?

Valrie Neil

“D” asked:


I need to know what is the bare minimum credit score for an RD loan. My wife has a very high credit score but I am sitting at 595 medium score.

Sophie Pallas