Credit Score-Free Credit Score

Lady asked:


I have poor credit that I am working on raising. My score is 550.

He doesn’t generate a lot of income because he’s retired although he has a great score.

Is co-signing going to help with my (meager) salary of 56,500 or would it really not make any difference on a loan application?

Thanks everyone
it would be for a Sonyma or FHA loan that requires 3% down.
In what way would using him help? Just for the rate?

Azalee Kratt

Just Curious asked:


I have recently paid off some credit card debt that I had only been paying a bit more than the minimum payment each month. Now that I have reduced that debt, when might I see an increase in my credit score? I have 700 right now. Thank you, I really appreciate your answer!

Lisa

stevel226 asked:


My credit score is in the low 800′s will that get me a lower interest rate if I want to re-negotiate my loan? When I got the loan initially my credit score was much lower.

Mireya Martinsons

JChan49ers asked:


Your credit score gets hurt if you request credit, but does it get hurt if you accept a credit card offer made to you?

Clarinda Shuter

Huntsman asked:


Twice I’ve seen people state they got a credit score when either they opened a checking or applied for a credit card.
Anyone know which bank does this?
What’s funny, he said the score was 250 (which is not even in the FICO score range, so he got a fake score. Still curious, what banks are offering these fake scores?

Frederick Bonifacio

kenneth h asked:


I have no credit card debt. I pay them off every month. I wonder if it is better to use my debit card or credit card to increase my credit score.

Noe Dear

woohoooooo!!!! asked:


I recently went to buy a car, and after they pulled my credit score, it was almost 100 points lower then it had been a year ago. I am going to pull all three of my credit reports today. What should I do to start? I don’t know how this happened and haven’t made any late payments on my car and I know I have some outstanding medical bills.

Thanks in advance.

Larry

Chuck asked:


I’m ready to pay off my credit card balance, and I heard that if you call your credit company and ask them, theyll reduce your balance if you can pay it in full. (ie, my $3,000 balance would get reduced to something like $2,500 if paid in full). I want to know if this is true, and if so, will it hurt my credit score?
I havent been late with my payments, I’ve just been making the minimum payments every month.

Pam Hatchel

Pizzle asked:


What is the best way (online) to monitor your credit score AND what are some tips to improving your score (other than paying bills on time)?

Tequila Stallcup

DamonR01 asked:


I recently purchased a house a year ago with little down. My credit score then was about 800. I always pay my bills on time and I have no outstanding debt. Will my credit score change at all? I have not been able to check my credit score because I am deployed to iraq.

Jeff