 User Identification Number. what is it? |
| hlpzzzzz paypal asks me for my User Identification Number..... |
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 I cashed check on bank it was drawn on....? |
...Turned out to be a fraud. Now bank is asking for money back.Can they do this?
I cashed a check that was issued to me at the bank it was drawn on. Check turned out to be fraudulent. Now the ... |
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 unconfirmed credit card on paypal? |
| can you still buy things off ebay with a unconfirmed credit card? i mean i try to "link it" but every time i click on it, it says you have requested an expired page or something like that.... |
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 free online bank account help? |
| Hi i am selling something online but i need to make a free oline bank to put the money in so i don't get scammed and some people won't send to western union. would you please help ... |
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 Can a store charge my credit card without my signature if they claim they undercharged me? |
| I bought a necklace for $56 from a store. Coincidentally I ended up losing my credit card that day so I called to cancel. The store called me to tell me that they made a mistake and I need to give ... |
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 How do platinum cards work? |
| Is there any kind of pros and cons about platinum cards I should know about? How do they work EXACTLY? What are the benefits and not the benefits?... |
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 I need a personal loan but have no credit? |
| I need a loan of like $1,500. The only problem is I'm only 20 and have no credit. I need this loan for a car. I make pretty good money but I do have other things to pay like rent. I'm ... |
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 What do I need to get a good morgage credit? |
| I am self employ, who also work part time. I do want some credit for my first home morgage. I also think I have a good credit score but not too sure. What will I need in place to secure this credit. T... |
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 Can I buy stuff on the internet with a gift card instead of a credit card? |
| I have a gift card for walmart and i wanna buy a mic off it and i am just wondering if you can buy stuff off the internet with a gift ... |
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 Credit Score Changes for 10 points, Alex? |
I have 3 quick questions regarding the information used to calculate credit scores:
1. I'm a college student who just applied for my first 2 credit cards a few months ago. Roughly how ... |
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 bull credit problem? how can i fix it? |
| Basicly whats going on is i lived with my grand mother for a very long time, and im moving out just applied to my second apartment would of got it till i found out for some bull crap reason HER ... |
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 I was approved for a auto loan at my credit union, for 10k with 2k down, I am only looking for a used small? |
| suv, my question is do I have to use the whole amount, because I can find a small suv for less then 10k that's for sure. If I find a car-suv for less will that decrease my down payment?? I'... |
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 What can be done if a seller charges $1,200.00 in shipping costs for a small wall clock on Ebay? |
| I won a 12" wall clock on Ebay in Germany for $7. When I went to pay for it with PayPal, the shipping came up as 1,000.00 euro ($1,200.00 bucks). The seller's site gave shipping prices for G... |
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 Will Visa chase me for payment of my loan since I am already located in diffirent Country? |
When I worked in Thailand, my company sponsor me for a VISA credit card. When my company closed due to financial loss, I returned to Philippines and did not paid my outstanding loan or credit.
<... |
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 What is a savings Account with good interest rate? |
| My savings account interest rate has gone down considerably to about 3.6 and was wondering what are some good accounts. Looking for one close to around 5% interest.... |
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 Can I get a credit card bad credit? |
| I don't know what my credit score is. I recently got my credit report and saw that I have two different agencies reporting negatively on it. Could I still qualify to get a credit card? I owe $220... |
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| someone has spent over 5000$ on my credit card i am sure they found out my card number do i have to pay still? |
| i just looked at my monthly statement and it showed $5689.89 amazon payment and my other bills nobody has used my card beside me i am sure somebody knows my card number do i have to file something ... |
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 Are credit card payments sent instantly? |
| I clicked on a PayPal donate button but don't have a PayPal account so I clicked pay with card. Will the credit card money be sent to the donee instantly or will it take a couple days?... |
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GOODD | How much can I expect my credit score to improve? |
My husband and I both have decent credit scores in the low 700's. We have six debt accounts, three revolving and three installment (including our mortgage). Over the next seven months we plan on having them all paid off with the exception (obviously) of the mortgage.
We have zero intention of EVER using the revolving accounts again, what is the impact on our credit score to leave them open for the $20k ( /-) capacity vs closing the accounts? How much can I expect our credit score to change as each of these accounts is paid in full? (No prepay penalties on any of them if that counts for anything)
Next spring we are going to be buying a new vehicle and hope to be selling our current home and buying a new home within a year so we want our credit score to be in good shape. Thanks! |
 |
 
stan c
 |
It would be a good idea to have 2 major credit cards in case of emergency. Just use it for gas and small items so it will show activity. Close the revolving accounts because you can always use the major credit card in any dept store. The last 24 months will stay on your reports. |
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George
 |
You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - credit-report-score.10001mb.com |
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bdancer222
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Carrying credit card balances of more than 30% of the limit hurts your score. Pay off the balances and your score rebounds.
Once you pay off the credit cards, you may want to keep them open if you plan on a new mortgage with the next 6 months. However, you really need to use them at least every 3 or 4 months for a small purchase and pay the balance in full. This keeps the account active. Card companies are closing inactive accounts after shorter periods. Some companies are charging monthly fees for inactive accounts.
Depending on how many credit cards, you may want to close some and keep the oldest major cards open. If you do opt to close accounts, do it via letter and request written confimation that the account is closed and 0 balance. Keep that confirmation in your forever financial file.
Paying off installment loans early won't do anything to improve your score. Installment loans build credit by making the payments over time. Paying them off early will save you interest and it will improve your debt to income ratio which is a important for a new mortgage.
One more thing, you probably should buy the new car AFTER the new mortgage. Buying the car first could make it harder to get the mortgage -- increased debt to income ratio, lower score due new debt, etc. |
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