 Will it be difficult for me to refinance my car loan? |
| I applied yesterday for a new apartment, so obviously my credit will be checked, among other things. My mom co-signed for a new car for me about a year ago and I am now plan to refinance my car loan ... |
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 If i were to break my lease for my apartment would it affect my credit and/or my mother who co-signed? |
first off i do care about my credit and my mothers that is exactly why im asking the question in stead of just doing it.
I moved into an apartment in august with my new husband. we have ... |
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 Does asking for a copy of your credit report affect your FICO score? |
| I would like to request a copy of my credit report from one of the credit reporting companys to see my score. Does it affect my credit the same as it would if a lendor ran a credit check?... |
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 Bad credit question? |
| So I used to have really bad credit. But now I'm making really good money. Will I still always have bad credit?... |
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 Credit Cards? |
| Does anyone know of a place where I can get a credit card, guaranteed? I'm only 18 so I have very little credit, and they turn me down because of that. But you have to start somewhere, right?... |
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 What are some of the best ways to build good credit w/o a credit card? |
| I want to be able to buy a home soon but I don't think I have any credit history and my husband doesn't have the best credit. I would real working answer please, and thank you.... |
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 Last time i paid my credit cards was in 2005, they were charged off, now in collections, can I still be sued? |
| I checked my credit report recently, all the credit card companies have charged them off as bad debt. Can the collection agencies acutally take me to court to force a judgement? Can my wages be ... |
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 How can I improve my credit so that I can get approved for 30k unsecured loan or line of credit? |
| My income is 60K/yr, FICO score 675, 50K student loan in good standing, visa credit card with 3000 limit 3 years old always paid in full on time, 2 old collections reading paid in full on my c. ... |
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 Credit application Fraud? |
| A friend of mine cannot get credit. They have asked me if I would mind putting in a loan application for £400 so they can buy a washer/dryer. He presented me with a completed loan application in my ... |
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 How to check if your parents have searched your credit report using your ss#? |
| My girlfriends parents are asking her weird questions about things that she has purchased on credit without even actually knowing that she purchased them. She thinks as do I that they are checking ... |
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 Is being 10k in credit card debt is bad. Please no advertisements.? |
| 1st thing i want to make clear is I dont want to be poked fun of or badgered. I posted this question a week ago and found nothing but negitive feedback and advertisements for bankrupcies and credit ... |
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 Ok credit but can't get a card? |
| My credit score is in the mid-600s (I forget what it is exactly) but I can't get a card because the balance on the card that I have is too close to the limit ($800 limit). I have been trying to ... |
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 Is there a free credit report site with no strings attached ? |
| Everytime I try to go to a "free credit report"website,it is never free.There is always a "catch".Are there any credit report sites that are absolutely free?... |
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 Does any one know anything about dave james loan lending firm from nigeria? |
| they offered to lend me money but i have to pay a transfer fee has any one used the.... |
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 Does your credit rating go up if you buy a car with cash? |
| I want to buy a new car because I want to boost up my credit rating so I can get a house later in life. Now I have enough money to purchase a decent car with cash. Will this affect my credit rating? M... |
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 Pay off debt all at once or little by little? |
| If I pay off my debt with a loan and pay under $100 a month, is that better than not taking out a loan and paying about the same per month and not being done paying it all off till about a year from ... |
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 How can I accept credit card payment from someone? |
| I have some things for sale and the guy wanting to buy them lives 500 miles away and wants to pay by credit card. Is there any way to receive his payment?... |
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babyhoney_6969 | Do cell phone bills affect your credit score? |
I dont think it does but my fiance` thinks it does... |
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binglephipple
 |
These people skate out on reporting anything good you do to the credit reports but if you don't pay, they will tattle on you. Sucks, huh? Same with utilities and many mail order companies.
If you are trying to buy a house and you are short on credit references, you can submit cell phone bills, utility bills and other payment oriented activities to your lender as "ancillary credit". It is becoming a popular method for people in such predicaments.
The responsibly paid bills will help you qualify even though they do not appear on your reports if you retain evidence of timely payments or can get the company to give you histories or letters of reference. |
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Crystal W
 |
If you dont pay your bill it will affect it...but if you do pay it, it doesn't help!!! Go figure!!Its the American way!! |
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Amanda H
|
No, utilities and rent are generally not on credit. If you dont pay at all, it would go to collections and report negatively.
They also CHECK your credit before allowing you to get a cell, to be sure they can 'trust' you, but thats it. |
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bdancer222
 |
Cell phone companies like cable and internet service companies don't report your account to the credit bureaus. However, if you default and the account is turned to collections, the collection agency will report the derogatory. |
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shiprepairwoman
|
Only if you don't pay them. |
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Mrs.Lopez~has 2 wants 3
 |
They only do if you do not pay them, if they are not paid they put them in collections and collections are reported to your credit report which effects your credit score! |
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straight chillin'
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if you don't pay it and it goes to collections, yes otherwise not really. you should still pay your bill on time though. |
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★★★ Katharine ♥♥♥♥
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only if you don't pay them - otherwise - they don't go to your credit - |
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$m¤¤v¥ £¤¢¤
|
Normally, cell phone accounts don't count towards your credit score, unless it was sent to collections. But now, thanks to a new credit bureau called PRBC, that along with rent and utlities, can now be used to build credit:
Here's some links that explain:
Link to PRBC:
http://prbc.com/consumers/default.php
http://en.wikipedia.org/wiki/Prbc
Link to FICO Expansion Score:
http://www.fairisaac.com/fic/en/product-service/product-index/fico-expansion-score/ |
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