navigator_inc asked:
I have an excellent credit score @ 774, but only Experian is reporting a score for me. How do I get Equifax and Trans Union to report also?
MATTINGLY
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spaztikus asked:
I want to get a Walmart credit card…My credit score is not the best but not the worst either…it’s around 616. I dont want to apply and make it any lower unless I know I can get a card.
CLIFTON
April B asked:
I have 5 negative reportings on my credit report. None of them are after the year 2004. I am wondering since there over 4 years old, how much are they affecting my credit score? And, has anyone ever heard of credit card companies deleting accurate late pays if asked?
FRITZ
panda2_80 asked:
I am a grad student and I work. I am having to pay my tuition out of pocket. There have been some surprise expenses(new tires,increased tuition ect) lately and I applied for a small loan through my credit union and was turned down for 3 late payments on my vehicle. Is getting a credit card worth the hassle to help with paying for stuff?
DOWD
kidrck79 asked:
I have spent the past two years trying to build credit after the destruction I performed during the first years of my adult life. I have cut my monthly expenses down to only rent, insurance and student loan payments. I would greatly appreciate some advice on what my next step should be. if a credit card isnt the solution, what is? Any help would be greatly appreciated.
SANTANA
Tim asked:
I have only have one revolving credit card, and I have a very high credit score. Because of this overall score they subsequently increase my credit line, even though I don’t ask for or use this revolving line of credit. Question? I have been told if you ask for a credit line decrease they lower your overall credit score? Why? What can you do to minimize a lowered credit score?
PURCELL
AMEFIKA asked:
When I apply for loans and tell the creditors what my credit score is they still run my credit. All the reports I read talk about the imporatnce of knowing your credit score and that’s fine. But what’s the importance of knowing my score when the creditors run it anyway? Also, how do we know that the rates that we qualify for are true based on ourcredit score? Is there a chart tat we can put our credit score up against and it tells us what rates we qualify for?
NEUMAN
hydra1970 asked:
What impact does closing credit cards have on your credit score?
I have a number of credits that I am not using. What impact if any would closing some of these accounts have on my credit score?
LIPSCOMB
nurseisfabulous asked:
I’m in the market to buy another car. Currently driving a 2001 Lexus RX300 and the new has worn off. Was wondering if it was possible to lease a car with a less than perfect FICO score of 652. The only reason why I was considering is because I want to buy at least a 2003-4 BMW X5 but I prefer a brand new one but I don’t have the cash or dare need a car payment that high for a 45k vehicle! I’ve heard leases are generally only approved for people with great credit but I have heard of people with less than perfect credit leasing cars but I was wondering approx. with what score?
SIEGEL
Casey asked:
Hi. I recently just got my first credit card ever and used it to make a $1600 purchase. The credit limit is $3000, so obviously I’m over 50% of the balance, and I just learned that’s bad for credit scores. I expect to be able to pay off the purchase in the next two or three months. Will my credit score go back up immediately after I get the balance on my card down, or will it take a while? Thanks.
KIM
