 Getting a credit card. What are the best deals around? |
| Hi. I need to get a credit card with a limit of about £1000. What would you go for at the minute? I've checked these comparison sites and they're frankly very confusing. UK only please. T... |
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 Should I refinance my home? |
| I have a 30 year adjustable home mortage. I have paid on this loan for 24 years. I have 6 years to go and only owe $13,500 on the loan now. Adjustable rates are on the rise and I am on a fixed ... |
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 Is there a place I can go to view my credit score, instantly? |
I don't want to have to wait for a week to receive something in the mail that I have to enter to receive my score.
Additional Details
I tried freecreditreport.com and had to wait ... |
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 Is Credit Repair really effective and how much would you pay for it if it is? |
| A good credit report is very important for living a comfortable life of financial freedom but it's difficult to recover fom a bad credit report once you've made a few mistakes. Credit ... |
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 Does one delinquet credit card effect your other cards you have? |
| i have one credit card that is maxed and Im having a hard time paying the min payment. ive already consolodated the best I can....I have another card that has quite a bit of limit left and my ... |
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 Does anyone know where I can obtain a free credit report, from one of the three main credit bureaus? |
Without having to do it online (I don't want to give credit card info).
Main credit bureaus: Experian, Equifax, Trans Union.... |
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 Will paying off delinquent credit help? |
| I have delinquent credit from about 4 years ago that i havent touched....Its way delinquent. If I track down the creditors and pay it off how much will it help my credit...Currently I have a 608 ... |
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 Bankruptcy? |
| I have some debt, that I know I will never be able to pay off. Atleast in this century. It's not that I owe a whole lot of money, it's just that I am not the richest person on earth. I have ... |
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 I loaned some one money to buy a boat. This person failed to meet the requirements of the contract. what can i |
| My boyfriends son needed money for the purchase of a boat. I loand him the money and made up a contract with him for repayment . the boat was put up as colateral and I have a lien on the boat. He has ... |
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 How do you manage your credit cards? |
| Just wondering how some people handle there high credit cards amount in order to lower them w/out consolidating! I only have one credit card and the dollar amount really isn't that high it'... |
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 A credit card for a 13 year old? |
| What do you suggest? I'm going to DC in April and I'm bringing a credit card (If I could find one). My parents said I should bring that and cash, because we need to pay for everything thats ... |
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| What can i do to make my credit report better? |
| recently i lost my job and had financial troubles. eventually it led to a cell phone, and one credit card company refering me to a collection agency. now i know it will be on my report for 7 years, ... |
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 Please Answer!!!! Help!?!?!? |
| Wells-Fargo is threatening to garnish my wages concerning a credit card I haven't paid in awhile. I haven't had the money and they have threatened to garnish my wages. Can they do that???... |
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 Cant pay credit card debt? |
I used to live in the UK and moved to US 3 months ago.
My plans didnt work out well and Im bankrupt, I dont have any debts here and can afford just to live on my earning but Im in debth to ... |
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 Are there any good sites where I can check my credit? |
| I got different credit scores from 2 different sites, why is this? if anyone knows of any good sites post them here, I would appreciate it, thanks.... |
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 Is it better to negotiate charge off amounts with creditors or pay in full? |
| should i negotiate a discount? or pay in full? whats better for my credit report/ does it matteR?... |
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Helen C | Why did my credit score just drop? |
Last month, my score was 662, but then it suddenly went down to 644. I haven't opened any new accounts, and i've actually been paying down my debt (on time) and not using my credit cards at all. The only thing I've down is apply to live in a new apartment. Could that application and/or inquiry from the landlord brought down my credit score?? |
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Episco
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It is certainly possible that it lowered your score slightly. Also, if your previous scred score was 663, and it had just moved up to 662 from a lower score, you could have beeen bumped into a higher credit bracket, and just being on the low end of the bracket can sometimes bump the score down without you doing anything to cause it.
Also, make sure that you are using the same credit agency to check your score with, as different angencies have their own way to calculate credit.
And don't check your own credit every month. This will definitely lower you score the more you check it on your own. |
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iceman
 |
It shouldnt. One or two inquires should not be enough to knock your score down that much.
Are you sure you got your score from the same reporting agency each time? Because there are fluctuations between the 3 different major credit reportes. My score varied from 712 to 740 among the 3. |
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SPIFIMAN1
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It should not have changed that much from one inquiry. Like Iceman asked, are you sure you looked at the same bureau? I see point spreads of 100-150 point all the time. |
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$m¤¤v¥ £¤¢¤
 |
It could've been from the inquiry, but usually those are just a 3 point hit. Double check your report to see if there were anymore inquiries for the utilities, phone, and such. Did you check to see when the report was pulled? Chances are the report might not reflect the payements you make until the next month. |
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angeliz378
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Find out how much these apartment people ran your credit. My friend filed for a home loan thru ONE company, and in their search to find credit for him they ran his credit about 10 times within a few days. Make sure these people haven't been passing your credit app around.You are only allowed 4 times with a 2 week period, or 8 times within 6 months. Only multiple credit checks will drop your score that much. |
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orange1
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Yes, but if you keep up the good work your score will go back up very quickly, maybe even by next month. |
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beauty s
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yes, each time u have an inquiry it hurts your score... |
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Tim
 |
They ran a credit inquiry and that lowered your score, but it will go back up soon. |
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Irvin
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Although the landlord inquiry may have lowered your score, i dont think it would lower it by 22 points. But either way, it should be able to rebound soon if you are paying down your debt on time. |
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Great Grandma
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Change of address is one of the criteria for the rating. Change is "not a good thing"........it indicates a "runner" in credit language. (Runner-someone who dodges bill collectors) |
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Betty
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Anytime that a credit check is done on you lowers your credit score a little. |
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