Archive for October, 2009

How to check my credit score for free?

Saturday, October 24th, 2009

telma asked: I have accessed my annual free credit report, but it doesn’t include my score.Where can I go to get my credit score with the least amount of hassle? Or possibly a small one time fee if thats the next best alternative?Karly Vaccarezza

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How high will my credit score increase if I get out of default student loan?

Wednesday, October 21st, 2009

lenise1973 asked: I made payment arrangements with Department of Education to pay on a default student loan. She told me if I make 6 timely payments on my default loan, the info will drop off my credit report. How much of a score increase will I get once they remove it from the credit bureau? [...]

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How much should my Credit Score increase after two public record judgements are deleted?

Monday, October 19th, 2009

Celz asked: There are two public record judgements on my fico score provided by Equifax which don’t belong to me. I currently have an investigation going with them. These two judgements are ONLY on my Equifax CR, NOT Experian or TransUnion. My Experian credit score is 632 and my Transunion is 637. My Equifax which [...]

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Why do I get a different credit score than the loan people?

Sunday, October 18th, 2009

fannurwewonder asked: My credit score when I check it shows say 687 they get 630. Have made some corrections recently. Does it take a while to show? Is it updated only every month?Kelley Mckinny

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What are the quickiest way to improve your credit score?

Sunday, October 18th, 2009

Chitchat5 asked: I know that a negative mark on your credit report takes over 7 years to remove, but how can one improve their credit score in hopes to get a school loan, car loan, home loan, and business loans in the future.Stewart

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What happens if your credit score gets lowered due to late auto payments, but then you pay off the auto loan?

Wednesday, October 14th, 2009

Breathdeep asked: In repairing a credit report score, an auto loan that had two late payments is then paid off in full, what happens to that part of the credit report? How long would it take to increase the credit score?Ronny Peregrino

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With a credit score of 600, can I obtain a decent home loan if I have a substantial down payment?

Wednesday, October 14th, 2009

ohashas asked: My credit score is horrible, but I will have 20K-30K to put down. I have no other debt, and a good income. Houses I am interested in are around 200K. Any advise?Dirk Trappey

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How may points canyour credit score actually go up in a couple months?

Monday, October 12th, 2009

lovesugarkisses asked: say I have 8 credit cards most are just about hitting the credit limit, and I have a owed overdraft fee from a bank from years ago, and a couple low hospital bills on my credit. I plan to pay the bank i owe $600 to down to 0 and i plan to [...]

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How long will credit score take to return to normal after opening a new credit card?

Saturday, October 10th, 2009

Jared asked: I recently opened a new credit card and noticed that my fico score plumetted 50 points after doing so. How long will it take for credit score to get over the fact that I opened a new account and regain those 50 points?Prince Satoe

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Does debt consolidation work and help improve your credit score?

Friday, October 9th, 2009

blcross03 asked: I am really bad with paying bills and my credit has taken a hit these past couple years. I make enough money where I should be able to pay everything with no problem but for some reason I continue to struggle. Do you think a debt consolidation would be best for [...]

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