Credit Score-Free Credit Score

Rusty asked:


I have never really bought anything but my credit score is low. This prevents me from being approved for things. How can I improve my credit without the help of a cosiner?

Dorian Osterhouse

hoganc1983 asked:


I’m 27 and trying to apply for my first credit card. I have no debts and a 2.6 yr. history of credit, (off a charge card). I have a score of 723. What are credit card lenders looking for when deciding to approve/deny me for a credit card?

I’m looking for a card that I can use at a grocery store/gas station and just use it a couple of times a month. No annual fees too

Mervin Quillian

RetroBunny69 asked:


I paid everything on time and I don’t owe anything. I just want to close this account because I’m not using this card. How bad will this affect on my credit score?
I put about $500/month on my other card but I pay everything off every month.

Carmelina Amsdell

Liana asked:


I am paying off all of my credit cards to get my credit score up. When will it get better?

Pearly Loy

Uncle Sam asked:


I have heard that it affects your credit score but don’t understand why it would affect someone who always pays their bills on time and in full.

Ivelisse Stabb

Ashley H asked:


My husband and I have two credit cards, both are about $1100. we have a couple medical bills that were sent to collections. If we pay everything off does our credit score get better? and how long does it usually take? Im just not really sure how all of this works. Thankyou!

Hallie Desutter

Vanessa C asked:


I know it takes 7 years for any delinquent accounts to be removed from your credit report, but after they are gone, does your credit score improve? If of course you don’t have any late payments, or other past due accounts?

Fawn Rawlings

Grace Marie asked:


I have a Chase Freedom credit card. I don’t know if I should pay off my whole balance or just pay little by little. If I pay it off immediately will my credit score go up dramatically? Or does it not even matter? Thanks in advance!

Sophia Hollinsworth

absolute_ashton asked:


For example (this is totally fabricated and inaccurate, just to illustrate what I mean):

Credit Score is 780, debt is $5,000 – $7,000 etc.

Clint Hipolito

Nikki asked:


I owe about 1k in hospital bills, and they’re all in collections. I’m setting up monthly agreements to pay it off. My credit score is a bit shot because of it. Will my credit score be affected by the monthly payments, or will it be unaffected until the debt is gone?
Yeah, they’re all reporting to credit bureaus. Thanks for the link I guess, but I just want to know the answer to my question.

Marc Aumann