 Was $2,200 in debt - Now $1100!!? |
| I was $2,200 in debt but I got a job working full time at $11.50hr. I have paid off half my debts so far, but Was forced to leave my job, due to problems with one of the supervisors and they were ... |
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 What should happen when you pay over your monthly car payment? |
| When I say what should happen, I mean that shouldn't it come directly off the principle?... |
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 How do I build credit? |
| I have tried to get a credit card and cant get approved, even for the ones for people with bad credit. I have two chargeoffs from almost 3 years, I know I need to pay back. I am still paying off ... |
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 My mom stole my indentity, what do I do? |
| My mom used my identity when I was only fourteen to open up a phone. I don't know the details, except what I was told, but recently I checked my credit and it had this huge two thousand dollar ... |
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 How can I rebuild my credit to buy a house? |
| My husband and I have been married a little over a year and we have a baby. We both have pretty bad credit, he has medical bills and unpaid credit cards and I have a repossessed vehicle and unpaid ... |
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 Do you have to have a bank account to buy on ebay with paypal or will a credit card work instead? |
| I have apparently set up an account and added a visa debit to the account...I have NO clue how to go on from there? How do I by on ebay?... |
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 Can I legally be sued for debt for something that was before I was a legal adult? |
Here is my situation (bare with me!)...
4 years ago I started college at a very pricey insitution. I didn't necessarily want to go there but my dad liked it so I decided to go there. Once I ... |
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 Loans for unemployed? |
Are there any real companies out there that give loans to someone who is unemployed, becuase i really need a loan and im in full time college. Also i rent.
I know most of them wont ... |
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 My friend told me that everytime a company does a credit check on me...? |
| such as fashion bug, my credit score goes down and I could be red flagged for having so many credit checks done. I want to know if he is correct, because everytime I go to fashion bug, the clerk ... |
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 Have can I check my credit rating with out having to pay any thing? |
I tried checking my credit report/rating but you have to put in your debit card details and I dont want to pay any thing.
Can I ask my bank do it for me and get them to tell me what my credit ... |
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 Does anyone have experience with collection agencies? I don't know what my next move should be? |
| I have a credit card in collections for roughly 2800.00 . I have had two conversations with the agent. I offered him 100.00 monthly payments. He said it wasn't enough. His tactics are ... |
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 How much credit card debt is bad? |
| I always avoided credit card debt. I own a home and I like to save money. i'm 27 and single and all my girlfriends go nuts with credit cards. I fell into the trap a little bit and now I have $4,0... |
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 Im interested in refinancing my home. i always get tons of mail offering such. what is the best way? |
| im not sure if the mortgage companies are better or the banks?everytime i tried to call them, they are very eager to get my financial details which i dont mind, but giving out my social security on ... |
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 How do I figure out what interest rate I got on my current car loan? My payments/term... $340.54/month; 60mth |
Additional Details
Okay, so you think I need my principle financed... well wouldn't that just be my payments times the term!? So it'd be $20432.40... then you'll need ... |
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 Should I reactivate a credit card whose date is expiring? |
| I have a card that I never use. I understand that for FICO reasons I shouldn't cancel it but I have received a new one in the mail with a new expiration date and I'm wondering which would ... |
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 Credit score of 566, any suggestions on delinquent credit card debt? |
| Keep in mind that this debt is several years old, will paying off some old accounts make it higher?... |
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High or Something | Who knows if this is a good credit score? |
So I had my credit checked and they said that my credit score was 630 is that good? But i have not got the whole report in the mail yet but I just wanted to know |
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golferwhoworks
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not great but it indicates that you mostly pay on time. To get it higher pay credit cards to less than 1/3 of the limit and any collection accounts you may have |
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Torre
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FICO scores range between 300 and 850. Ratings are as follows:
~ Excellent: Over 750
~ Very Good: 720 or more
~ Acceptable: 660 to 720
~ Uncertain: 620 to 660
~ Risky: less than 620
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Steve b
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630 is in the lower middle of the road...you won't get very good percentages when applying for loans, vehicles, homes...etc..check web page below,. |
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Rick B
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580 - 619 is poor
620 - 679 is ok
680 - 699 is good
700 and higher is excellent
At your score, you will likely pay higher rates than most, but should have no trouble getting credit.
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bdancer222
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According to MyFico.com, the median FICO score is 725.
Are you sure that is a FICO? Equifax gives FICO but Experian and TransUnion use Vantage -- different scale, goes to 950. |
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henry
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Average, anything over 700 is good. Pay off some credit cards and keep them open with a 0 balance after a year your score will go up. One way to do that is to get a new card and transfer your balances on to the new card. |
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ereviews
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Banks will consider that score to be right around average, with a medium to low risk. Some lenders prefer a score over 640, so you're on track. The best score you can have is over 800 and most people will shoot for around 725-780. |
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Citizen Know Nothing
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Yes
That is a pretty good score
Anything over 700 is really good
But yours is still pretty good for a young person
Congratulations
It's pretty hard to get over 700 unless you have really high income |
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