Archive for the ‘Credit’ Category
jmedow asked:
I have one positive thing and one negative thing on my credit. The positive thing is a car loan that is in good standing. The negative is a hospital bill for $400.00 that is still owed and is closed. My score is 598 and I have never had a credit card or anything else on my credit those are the only two things. Would it help my score more to pay off the medical bill or get a credit card and just put gas and pay it off at the end of each month?
Erwin Schoonhoven
I have one positive thing and one negative thing on my credit. The positive thing is a car loan that is in good standing. The negative is a hospital bill for $400.00 that is still owed and is closed. My score is 598 and I have never had a credit card or anything else on my credit those are the only two things. Would it help my score more to pay off the medical bill or get a credit card and just put gas and pay it off at the end of each month?
Erwin Schoonhoven
SassyGlitter asked:
What are some smart ways to use the credit card so that it will increase the credit score? Also, does the card need to be used frequently or not at all as long as the annual/monthly fees are being paid?
Any advice you can give is very much appreciated!
Genie Maczko
What are some smart ways to use the credit card so that it will increase the credit score? Also, does the card need to be used frequently or not at all as long as the annual/monthly fees are being paid?
Any advice you can give is very much appreciated!
Genie Maczko
asked:
I am 18 and have never had credit before.
I am 18 and have never had credit before.
If I get a loan in January for $3,000, and it’s paid off in July, and I never missed a payment or was late, what will my credit score be if I have never had a credit score before.
SIDE NOTE:
I have a job that pays $12 an hour, so I have a steady income and live on my own.
Renata Racette
Tasha asked:
I just finished ordering my TransUnion credit report and score online from transunion.com. It says my current credit score is 757. Is that considered good? The reason I ask is because I was thinking about going to my local bank next week to apply for a $1,500 loan to get some much needed car repairs. I have plenty of avaliable credit on my credit card but would prefer to get a loan so that I might be able to get a lower interest rate. I always try to pay my bills on time and really need this loan. What are my chances of getting approved with a 757 credit score? Should I even bother applying or will I be wasting my time?
Guy Kritikos
I just finished ordering my TransUnion credit report and score online from transunion.com. It says my current credit score is 757. Is that considered good? The reason I ask is because I was thinking about going to my local bank next week to apply for a $1,500 loan to get some much needed car repairs. I have plenty of avaliable credit on my credit card but would prefer to get a loan so that I might be able to get a lower interest rate. I always try to pay my bills on time and really need this loan. What are my chances of getting approved with a 757 credit score? Should I even bother applying or will I be wasting my time?
Guy Kritikos
Angela M asked:
Im just trying to get a job and I am having no luck. I was wondering if my credit score could have something to do with it.
Cecelia Mcfeeters
Im just trying to get a job and I am having no luck. I was wondering if my credit score could have something to do with it.
Cecelia Mcfeeters
SilverStreak asked:
I recently turned 18 and I want my own credit card. I have a card now but it under my sister’s account so I was wondering I do I get my own. I need to earn a credit score and there develop a credit history. So how do I earn credit scores?
Thomas Randgaard
I recently turned 18 and I want my own credit card. I have a card now but it under my sister’s account so I was wondering I do I get my own. I need to earn a credit score and there develop a credit history. So how do I earn credit scores?
Thomas Randgaard
Jason X asked:
Also i have a Master card already should i shoot for a visa or Amex card or does that not matter when it comes to your credit score. Do banks look more positively on you when you own an AMEX Credit card?
Ann
Also i have a Master card already should i shoot for a visa or Amex card or does that not matter when it comes to your credit score. Do banks look more positively on you when you own an AMEX Credit card?
Ann
Nick asked:
I have a 679 right now but I really want to crest that blessed 720 marker. right now what i’ve been doing is using my credit card to pay my monthly bills, but then i turn around and pay off the credit card within the next few days. is this going to help me raise my score? and are there any other ways for me to bump it up to that next tier?
King Polson
I have a 679 right now but I really want to crest that blessed 720 marker. right now what i’ve been doing is using my credit card to pay my monthly bills, but then i turn around and pay off the credit card within the next few days. is this going to help me raise my score? and are there any other ways for me to bump it up to that next tier?
King Polson
Missy asked:
I have a credit score of 445. How did I even get a score like that? Is it from my Clear internet bill, I pay it early every month, and it is on a two year contract?. But what else could it be.
Russ Kalmar
I have a credit score of 445. How did I even get a score like that? Is it from my Clear internet bill, I pay it early every month, and it is on a two year contract?. But what else could it be.
Russ Kalmar
cody b asked:
I paid off 3 of my 5 credit cards last year and this year the last 2 should be taken care of with taxes. I also plan to start paying on other debts I have. My credit score is terrible at the moment so I am wondering what I can do to help raise it and also wondering how long would it take it get up to the good to great rating
Rolf Mcwells
I paid off 3 of my 5 credit cards last year and this year the last 2 should be taken care of with taxes. I also plan to start paying on other debts I have. My credit score is terrible at the moment so I am wondering what I can do to help raise it and also wondering how long would it take it get up to the good to great rating
Rolf Mcwells