 Credit score? |
| I have a credit score of 550 and I am trying to get it up. I have paid off the majority of all the stuff that was bad on it except a few Dr. bills. I tried to get a home loan and they told me that if ... |
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 Can i sue my credit card company? |
| I try to make is short. Last year, I made my final payment on my interest free consumer credit card via online banking. When I got my following statement it shows that payment was not received and I ... |
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 What will happen if someone with unpaid credit card bills leaves the usa with no intention to return? |
| Let`s say one has a total of 8k outstanding balance of different credit cards. If this individual leaves the usa without paying the debts (lets say to africa or russia) will there be any criminal ... |
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 I am looking to buy a house, but my fico is low. How can I raise my scores - fast? |
| I live in So Cal and the price to buy even a 1 bedroom in a run down neighborhood are outrageous. I make enough to pay the mortgage for a $550,000. home, but I need to have a 700 fico to be given a ... |
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 I think I have been the target of fraud...perhaps a debt collection fraud? |
| Today I received a computerized voice message which stated that I should call back to discuss credit issues. I did return the call, but after 'waiting for the next available person' it ... |
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 How do I get a hospital to write off a medical bill? I was uninsured and racked up $20,000 in debt!!? |
| I am a single Mom working full time now, but I am just barely getting by. My $20,000 debt is killing my credit and making it so hard to live. I do not want to file bankruptcy.... |
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 What do you do when you are a few steps from being homeless? |
| My family and I our loosing our home of 14 years all because we tried to help someone out that had no where to go, and was homeless, and now because HUD calls her an unreported person, we have lost ... |
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 When it comes to credit cards, which is best? |
| During this season I am out there buying gifts for everyone. I want to know which is best. Should I wet a credit card from each store lets say one from IKEA, one from GAP etc. Or just get one as C... |
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 What can I do to establish my credit? |
| It's not that I have bad credit. I just don't have enough credit. I have two credit cards, one small one for gas and for everyday purchases when I don't want to use cash and the other ... |
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 How long do we need to keep all the bank statements/utility bills/credit card statements etc.? |
| Recently i was shredding away loads of papers and didnt know what to do with these tho.And they occupy hell a lot of space and weight.Pls ... |
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 Why is the interest on my credit card going up every month despite paying more than the minimum payment |
| I have been paying £10 more than the minimum payment for a few months now but i've noticed that the interest I'm being charged is increasing. Last month it was £33 (back breaking aaaaargh)... |
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 What is the formula to calculate the credit score? |
| Don't need your guessings or "I think". Real serious answers from knoledgable people are very appreciated.... |
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 Has anyone filed bankruptcy without using a lawyer? |
| I've been thinking about filing bankruptcy using one of the websites that fills out all the paperwork for you and then all you have to do is bring them to court. they garuntee their work, if ... |
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 How do you get a credit card with bad credit? |
| Years ago I messed up my credit. Now I want to get a credit card to regain some credit but no one will give me a credit card.... |
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 Can i borrow money while filing for chapter 7 bankruptcy? |
| I am filing for chapter 7 and i am having difficulty paying for the bakruptcy itself.Can i borrow money to pay for it if im not going to file on that loan?... |
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| How do I improve my credit rating? |
| I have quite a low credit rating (at 580 or so, it is considered "poor") and want to fix it. I have several items, collections and not, that I am currently paying off, although I am ... |
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Twilight | Credit Score When Buying a Car? |
Does buying a car affect your credit score? Does it go down because you've made such a large purchase, or up because you qualify to buy such an expensive item? |
 |
 
SmartA$$
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it only matters if you take out a new loan for buying the car. At first it will hurt your score because it increases your outstanding debt, but in the long run it helps your score if you make all your payments and eventually pay it off (on time or early) because it shows that you are responsible enough to make your payments and you are likely to make all your payments the next time you take out a loan. |
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Steve
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It will improve your credit score if you make all of your payments on time. |
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Tim
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Your credit score is only affected if you finance a car. |
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SPIFIMAN1
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Auto finance is what I do for a living and at first your score doe's drop a little due to the additional debt.
After you have established a pay history it goes right back up and over the long run continues to rise as long as you make your payments as agreed. |
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San
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Your credit score will be affected for two reason.
1) When lender check your score it creates an inquiry into your credit file that reduce your sore by couple of points and its temparory
2) If you get a loan then intially it will go down as you are having big amount on credit, but as you pay your loan on time it will improve your credit score and if you pay fully and always on time that will give good boost to your score. |
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Cali Girl
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I bought a 25k car and my score did not change at all for 3 months. I have mycreditkeeper.com so I get to see it every month. Then on the 4th month it went up 9 points for paying my car on time (I think?) |
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Lisa
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Yup just purchased my first car in January. My score was about 720 then dropped down when I first got the loan and is now up to about 730. And thats only after 6 months. Granted one of my cards was at about 50% usuage but I got the credit limit increased on it, paid a majority of it and it is now about 25%. Anywho... Paying on time really helps. |
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iceman
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If you buy the car outright then it would not affect your score.
If you lease the car or finace it will have an effect only if you fail to make your ontime payments. If you pay on time it will do nothing but bring your score up. |
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Darrell D
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It depends on your credit score going in and how much other revolving debt you're paying off on credit cards, mortgages, etc. |
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lulu
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it does actually but anything you buy like that does because they have to run a credit check and everytime that happens it knocks your score down. |
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