 Couple of questions....? |
| I don't know anything about loans. All I know is my boyfriend has a ton of debt. All his loans, credit card bills and his truck plus my student loan comes to about 27,000 dollars... i'm ... |
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 Which credit card gives you the best rewards? |
| I tend to use one credit card to charge all my expenses each month and then pay it off at the end of the month. There are sooooo many credit cards out there and I was wondering which one gives the ... |
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 Will I get a late charge for my capital one credit card? |
| my payment is due tommorow.and i put it in the mail yesterday however tommorow is a holiday.it is the first time it has happened.anyone know how much i will be charged.... |
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 Son refuses to pay father for his car loan.? |
| My friend asked me for advice the other day and I wasn't sure what to tell him. His 21 yr old son bought a new car 6 months ago. His father had to co-sign the loan. The son agreed to make weekly ... |
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 Will not paying off your credit card completely in a month hurt your credit score? |
I got my first credit card last year, I've used it a lot and got a few credit increases, and have paid it off in full at the end of every month.
However, this month I've spent ... |
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 How do i get $4000 by April??!??! I really need it...? |
and i dont have a co signer or a loan
Additional Details
no co signer or ... |
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 How bad can medical bills affect your credit?? |
| how bad can medical bills affect your credit? I was informed of a medical bill that has been reported. tell me the bad news.... |
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 Who has to pay his father debt? |
My friend's dad is in jail since a couple of months. He owns some money in credit cards. Who will have to pay for the debt? Since obviously the father will be unable to pay
Additional D... |
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 What is better a credit or a debit card? |
| mainly using it for online purchases and buying things like clothes, shoes, phones, etc...... |
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 Aside from shopping convenience, what are other advantages of having a credit card today? |
| I intend to avail a credit card for myself. But before plunging in, i would like to know if i really need it. Is credit card a boon or bane?... |
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 How come NO ONE will give me a loan or credit card when my credit rating is 652? Is it THAT bad? |
This is all so confusing.... I get declined wherever I apply for this stuff and nobody can help me and now I have all these inquiries on my report and.... UGH. Shoot me. =/
Why is it everyone ... |
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 Pulled my credit and scores are 609equifax, 642transunion, 672experian. had 2 car loan 1- $28k and 1-$21k..? |
| paid off the $28k loan early last week (sold car) so now I only have 1 car loan at $21k. Wondered if that 609-equifax score might increase because of the $28k debt being removed. I need it to go ... |
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 I have had a cash payment put into my bank account of £270 and it was not me or anyone I know. what do I do? |
I am not going to " steal" it but if someone has paid into my account by mistke will they get it back or will the bank keep it?
What do I do?... |
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 Is it bad to have a high credit limit? |
| I want to increase my credit rating, so I have been putting small purchases like trips to the grocery store on my card. I pay it off every month. I have had this card for over five years, and have ... |
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 I need help or suggestions??? |
| I'm just starting my credit and I have nothing on my credit report, I mean 0, nothing, nada, what can i do to start building my credit, some finance companies and banks dont want to give me ... |
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PinkSugar | Is my Credit Score good?? |
I recently checked my credit score on Experian and it said that it is 722 on a scale of 501-990 and then I estimated my credit score on MyFICO and is says that my score ranges from 705-755. Are these GOOD?? Average? Bad? Are there different ways to score credit? |
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Millionster.com
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You're off to a good start. Still 722 is about a C+ and you could get much better still..
I've got 10 steps you can use to build your credit score. I raised mine to well over 700 points fro 500 using these steps over a year -- :
# Know and Track Your Credit Score (and be sure to sign up for the 30-day free trial of your credit score monitoring listed on the article below. It really helped my get my score up.)
# Never Miss a Payment, Starting Today
# Never use more than 20% of your Available Credit
# Keep Credit Cards that Have No Annual Fees Open For as Long as Possible
# Extend Your Credit Limit on Cards You Already Have before You Get New Ones
# Get Credit Cards that Have CashBack Rewards to Contribute to your Balance
# Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit-
# If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan
# Take out a Small Personal Loan and Repay it Over a Year
# Ask Someone With Good Credit if They will Account Shadow you
Read the full article here, it gives you an overview of credit scores, and the 10 steps in detail on page 2 .. Good luck!
http://millionster.com/articles/debt/increase-fico-credit-score/ |
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SPIFIMAN1
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The first one is a new score it's called Vantage. The FICO from 705-755 is what lenders go by.
While 705-755 is a very good score, score is not everything. Your score is made up of the following;
1. Payment history 35%
2. Time in bureau 15%
3. New credit 10%
4. Type of credit used 10%
5. Debt to income ratio 30%
As you can see 1,2 & 5 are the most important as far as score is concerned.
The problem with the way score works is that I see people every week with scores over 700 that are made up of nothing but 1 credit card with a $500.00 limit paid 15-times and a couple of student loans. While this mix of credit produces a great score, there is nothing there to actually qualify the person for a real loan. |
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iceman
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Yes they are very good. Your middle score of the 3 is your actual credit score as viewed by lenders
Here is a general list of scores and how they are.
Below 500--- Patheic and horrendous.
500-550--Terrible, but you may still have hope.
550-600. Bad, although with a little improvement you could be doing fine. This is the bottom range to get approved for loans.
600-630. Below average, but not that bad. you can normally get approved for loans at this range.
630-680. Average. You may get good or bad rates in this level.
680-720. Abover average. You will get good rates , but possibly not the best.
720-800. Very good. Most banks will give you their best rates.
Above 800--- Not sure how anyone gets to this level. |
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ohevshalomel
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I'm certainly no expert in this field, but I think that something above a "700" isn't anything to cry and beat your breast about. It could be much worse--I have to pre-pay the ice cream truck driver when ordering a popsicle...LOL. :) |
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Shirrwood
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0 - no credit
350-616 - bad credit
620-659 - fair credit
660-749 - good credit
then excellent
You have good credit and that is why you can choose credit card with better options! Really you have great choice! http://acclaimdomains.com/Good-Credit-Cards-1561804-page.php
Your aim is to fix your good credit! Pay your bills on time it is the best way. |
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beauty s
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MORE THAN GOOD, U CAN GET ALMOST ANYTHING U WNAT.. AND KEEP IT UP |
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star
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average score 675, sounds like you are on a roll,keep up the good work |
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suarez_stacey
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yea its very good i shld say...u can get a house with no down payment or less down payment................they wer all same..they all take a look at ur credit history dats all....hey advice dont always calculate ur credit score as it will lower ur FICO do it or check it atleast every 6months.. |
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Strip
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Actually, it's not too bad. The average score has dropped considerably over the past couple years with foreclosures and people spending beyond their means. Congrats, go buy a new car! |
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