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 After paying off a credit card what is the best thing to do, cancel or no?
I just paid off credit card and don't know if I should cancel it or if I shouldn't....


 Credit Card...?
So I've applied to so many places to be able to get a credit card NOT a debit card, but i cant find anyone who will accept me. does anyone know of any good sites to look up credit cards for ...


 I have received an email telling me that if i have credit cards which i took out before 2007 they can be wiped?
can credit card bedts taken out before april 2007 be wiped out with no effect on credit rating seems strange to me what does anybody else ...


 Should I pay the deliquint account or leave it?
I'm trying to raise my credit score. I've heard that once an account goes into collections you should leave it alone because if you pay it, then ur score gets lower. One of my derragatory ...


 How can I settle my credit card/personal loan debt?
I have credit card/personal loan debts and looking for a lumpsum settlement. Due to financial problems I'm not paid last few EMIs....


 Paying off credit cards?
ok so I have my credit report and money. What's the best way to pay them off. Should I negoiate with them for a lower price, pay the whole balance, make payments??? Im looking for the best ...


 Can someone tell me how to improve my credit score?
...


 Credit Score dropped...how can I get it back UP?
The last 6 month I worked so hard to get my score up to a 710 and when I moved I neglected to check my cable bill at my old address. I was sent to collections over 55.00 and my scores dropped into ...


 I am 23 years old, i am unemployed, and i am $20,000 to $23,000 in debt i dont know what to do?
I dont know what to do i am about to just let them go? i did good at keeping up with my credit at first but right now is just too much i been unemployed for awhile finding money to pay for the ...


 How to build credit up?
cause i dont have any credit and i cant get a credit card ...


 Is a debt collections agency allowed to phone a person whilst there at work,to ask for money obviously.?
...


 Secured Credit Cards?
I just opened last week 4 secured credit cards with $300 credit limits each. I need to repair my credit...

If I charge $10 on each monthly then pay all of them off monthly and keep doing ...


 Do those debt consolidation websites really work?
My boyfriend is around $17,000.00 in debt. He almost signed up with one of those debt consolidation companies online. What they told him to do in a nutshell is to pay them X amount each month and not ...


 Credit card interest rate jumped to 30%! Why?
My husbands Washington Mutual credit card jumped to 30% interest. We have never been late on a payment and we pay way more than the minimum in order to pay it off. Right now the balance is $423.00 (...


 My nephew has a bunch of bounced checks?
He has bounced about 5 checks and has no money to put in the bank to cover what he has written + fees and such. He has no job, so no way to pay them back and none of the family is willing to loan ...


 Does a creditor have to notify you before they turn an account to a collection agency?
...


 Is it a good idea to take out a small home equity loan to pay off credit cards?
10000$ to consolidate 7000 in debt, the going interest rate is 7.5 % we are currently paying between 13%-23% on the cards
Additional Details
the remaining three thousand will go torward ...


 Am I responsible for my girlfriend's credit card that is in my name (she is additional cardholder)?
Her name is actually on the card... If we break up and she does not pay it, can I go after her legally?
Additional Details
She has a totally separate card eventhough she is on my account ...


 Go bankrupt or not pay?
im not sure what bankrupsy is everyone tells me don't do it. bc i will still have to pay it back. but right now im not paying on my credit card debt. so do it or just let it keep racking up?...


 What credit score should I go by?
transunion experian and equifax all have different scoring methods. which one is most accurate when it comes to what a creditor will look at...? So basically is the equifax score closer to what a ...



jacob_ford
What's condsidered an excellent credit score?
                     
 




BillK
For getting any kind of loan Credit History is much more important than credit score. Often, the lack of credit history is equated with bad credit. You should be aware that lenders will go through your credit report once you apply for loan for buying a house. Therefore you should polish your credit report.
Also checkout http://www.howtoestablishgoodcredit.com/Credit_Articles/index.php
There are lots of articles there, related to your question, which you can find useful to boost your credit.


SPIFIMAN1
Considering the national average is 675, I would say over 730 with several lines of credit paid as agreed.


Stephanie U
Rating
ANYTHING OVER 700


elvis53
Rating
740 TO 850


marysol
An excellent cr. score, the last you owe the very it is , you could have a score 700 up. is good, pay on time. don.t use
the grace period to pay off your bills. Always pay before or the same day is due.


Pay No Taxes For Life
This depends upon who is granting you credit. Credit scores range from 300 to 850. An "excellent" credit score is usually higher than 720. With that score you should get the best rates and lowest fees for all types of credit or loans.
If you may need help with your credit I have found useful information at www.genesiscreditgroup.com
Hope that helps


sinnahjay
Rating
Anything over 750 is excellent. The highest I believe is around 820. 650 to 750 is considered good. 649 starts out at okay but as the score drops is considered poor or downright bad being anything under 550.


iceman
Anything over 730 should probably considered excellent in this day and age...

Under 500-- dreadfully horible. Almost so bad you have to work at.

500-550 Very bad

550-600 Not good.

600-630 ok, but could use some work

630-670-- Average

670-730-- good...


$m¤¤v¥ £¤¢¤
Rating
Anything over 730.


tonalc1
Over 800. Although different lenders have different cutoff points.


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