Credit Score-Free Credit Score

cragarshinoda asked:


My fiancee and I are looking to get a mortgage soon, and will need approx. $150-$200K. Approx. what credit score do we need to have in order to be considered for a loan? We have good credit, but not 800 or anything.

Princess Valen

kt asked:


I’m 18 and have been working on building my credit since March (when I turned 18). I understand that building a long credit history helps raise your score, so I know I won’t automatically start with a score in the 700s or 800s.

My current scores are TransUnion – 662 Experian – 662 and Equifax – 649.

I would like to purchase a car at some point in the next 6 months, so I would like to know, are these reasonable scores?

Thanks!

Ferdinand Ravens

ABIGAIL ROSE asked:


I have now got a good job after many years at University. Like most students, I had a overdraft and credit cards to get me through. I have never missed a payment. The thing is, how much time has to go by with my wage going into my bank to improve my credit score? Will I have to pay off smallest debt first then cancel them one by one for improvement?

Jama Mounger

mommy23girlys asked:


We have 2 car payments, no credit cards, and a discharged bankruptcy (2yrs discharged). We recently found out my credit score went down 65 points for a $18 late payment charge on one of our car payments. This has caused us not to qualify for our mortgage. I wrote a “goodwill” letter to the creditor, but I don’t know if it will be accepted. How long would it be for my credit score to go back up?

Sol Gevara

beccabarnesoctober asked:


I do not have a credit card and would like to find out what my credit score is. is there anyone who can help me?

Mikki Rogal

luna6887 asked:


I have had my Tribute card since last June. There’s a $150 annual fee for that card. And the limit is $350.

I have had my Capital One card for about 4 months. And the limit is $500.

My current average FICO score is 622. I don’t know what my credit scores are.

How will closing my Tribute card affect my score? I really don’t want to pay another $150 just to have this card.

Thanks!

Lane Magouirk

david asked:


I want to start my own business about 2 years from now. So I need a strong credit score to obtain the business loan and higher credit limit from the credit card company.

Brenton Deslaurier