 Why would my credit score go down 15 points in a month, when nothing major has changed with my credit? |
| I'm not deliquent on anything. I have the same bills as before. I'm not sure what could have caused it to fall 15 points.... |
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 I was a victim of identity theft i don't have a credit card so how do i get a credit check? |
| this all happend when i was under the age of 18 but i cant get a any credit and every time i try to do a credit check it tells me i need a creidt card i have never had any creidt cards i do however ... |
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 Bad Credit and No One will rent to us!? |
| My fiance and I have tried submit applications for 7 apartments in our town, and NO ONE will rent to us, because his credit is horrible..He recently paid off his debt on his credit card, and it did ... |
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 Is my credit messed up? |
| Im new to credit cards and my mother said she will help me by paying them for now. So I left it up to her. I checked my account online and it said I was 5 days over due on a credit payment of 20 ... |
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 Can this go on forever? |
| A negative action on my credit report is supposed to fall off in 3 years according to what I see here. Can the collection agency renew my status as active or sell it to another agency to collect with ... |
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 Does bad credit ruin my chances of obtaing an auto loan? |
| i am applying for an auto loan through hbsc and i currently have a low to fair credit score. i also have a credit card that is closed and still unpaid. does this ruin my chances of being accepted for ... |
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 Repairing credit-Is it true old debts do go away after time? |
| I am trying to get an apt., so I recently had my credit ran, thought I had really really bad credit, turns out I only have two recent accounts in collections, which I've already requested ... |
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 If an overdue account is sent to collections, how long before it's on my credit report? I was told 2-3 mths... |
| I had three cell phone lines with Sprint that I decided to cancel because Sprint's customer service is the worst. Anyway, since I did it before the contract expired, I'm being charged the ... |
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 What happens if I have an unpaid credit card bill and I do not work therefore I don't have the money to pay it |
| A "Law Firm" out of CA called me last week and spoke to me about a credit card bill I had that is past due. The man told me that the Office turned the bill over to them because it was past ... |
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 I applied for a loan. My credit rating is poor but it looks like i was accepted? |
I am being sent a credit agreement. does this mean i was approved?
Additional Details
kerTCHING!! drugs and hookers!!!!... |
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 Can I cancel my credit cards before the balance is paid off? |
Hi,
I just got out of graduate school and have a lot of credit card debt on several cards. A few have decent interest rates. It would be great to cancel all but a few and keep paying them off. ... |
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 Repo question and a general credit rating question too!? |
| Okay, this is a little complicated. My fiance and I are about to get married and want to buy a house, among other things. Basically, we're trying to get his credit rating higher, because in his ... |
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 Do you have to pay to own a credit card? |
| I am thinking about getting a credit card, so I can pay for things over the internet, and then just clear my balance whenever I use it. Would this cost me anything? Do you incur charges if you don... |
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 Is there anything wrong with GA TRUST FINANCIAL? |
| I applied for a loan and just waiting for my funds, so far they are pretty good with me. do you think they are for real?... |
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 How do i handle this situation, i used my dads credit card through pay-pal ad he found out? |
| I used my Dads credit card through pay pal, and he just found out, in total i think i wasted about $160, but the money was wasted in breaks trying to see if he doesn't notice. For a while it ... |
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 Any company that provides loans for bad credit? |
| need to find a company that provides loan for people with bad credit.. no down payment ... |
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 We are trying to buy a home w/ credit score of 557..... Best way to improve credit quick? |
| We plan on putting 40,000 down in a house priced at 165000. We also have an extra 20000 cash. We currently have 3,400 in credit card debt on a 4000 limit. Is it better to pay the debt down, or ... |
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Hey Damn™ you | I just did my credit score and it was considered "high"? |
so why is that I just got turned down for a credit card? |
 |
 
KatyG
|
Different lenders have different criteria for approving a credit card. Do you have long credit history? Are you currently employed/have been for a long time? Have you been shopping for credit (creditors see those inquiries for 2 years and get worried if they see a lot of inquiries)?
Did you get your FICO score? That is the gold standard for most lenders. You may want to go to myfico.com and buy a score from one of the 3 bureaus. It will also give you a breakdown of what is good about your score, and what can use some improvement. That will give you a good idea.
If you have credit cards, use them, pay them on time, and keep the utilization percentage low (balance vs. credit limit). These will continue to help you on your credit journey. If you do not have any real credit established, join a credit union and get a credit card through them (they usually offer very competitive rates, and are willing to lend to people with thinner files). Also, go to my favorite credit website www.creditboards.com/forums. It is chock full of good information about credit. I have learned so much from them, and have gotten some really great credit cards since joining, because of all I have learned. Good Luck! |
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SPIFIMAN1
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Could be several reasons, you may not have been in the bureau long enough. You may have a high debt to income ratio. You may not have enough established history. You may have whats called a thin file.
I look at credit every day and see people every month that have 700 scores and can not buy a car because their score is made up of 1-credit card with a $500.00 limit paid 15-times and a couple of student loans. |
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masterplanner04
 |
Could be many reasons. Debt to income(how much you make vs. how much you have going out) is most likely. Could also be that you just dont have enough history built up yet, or not high enough credit built up(money wise, not score).
Just keep making all your payments on time while keeping low balances, and you should keep you credit rising. |
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JENNIFER W
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Depends on how much and how long you have had credit...it may be good but if you havent had a long credit history or you have to much debt even thou you have paid on time that look at how much debt you have just in case you should get into a bind..also if you apply at a lot of different places everytime you apply some where it effects your credit score with to many inquires. |
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i pack a 44
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no credit is just as bad as bad credit....sounds strange but its true.......... |
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Dogbettor
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A credit score is but one part of a credit rating. I've had customers with credit scores around 725 that I could not get financed on a car. It is possible to have one major credit card for 90 days and a $300 limit and acquire a 725 score. But without substantial credit history the score shows a potential lender that you've got very limited credit history and that you are off to a good start. But nobody is going to extend big credit with so small a track record. Keep doing what you're doing. It doesn't take long. |
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marcus79
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they will look at your income and credit history. you can have a high score, but without any history you can still get denied. It's kind of a catch 22.
To start building trust among creditors, start with a credit card with a low balance. Once you've had a good relation with that company, you'll find out that you'll get offers more then you can shake a stick at. |
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New Year, New Me
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Do you have any bills or other credit cards, car payment in your name......if it is your first credit card you are applying for try Capital One....they are really good about approving 1st timers.....BUT.....be careful.....credit cards can really get you into trouble!!! Pay it off every month!! |
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Grapies07
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because it needs to be perfect. |
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ksmetx
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'high' on drugs?? or you mean a good credit score..credit cards also look at debt/ratio |
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