November « 2008 « Credit Help Now!

November 30, 2008

What matters more your credit score or the contents of your credit report?

Filed under: Credit Score — Tags: Collection Accounts, Credit Report, Credit Score, Lenders, Mortgage — @ 5:13 am

Jennifer K asked:

If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won’t really care about much else?

GIBBS

Comments (4)

November 26, 2008

What credit score is needed to get the best fixed rate for consolidating accounts?

Filed under: Credit Score — Tags: 3 Credit Reporting Agencies, 4 Months, Car Credit, Car Loan, Credit Cards, Credit Reporting Agencies, Credit Score, Fixed Rate, How To Raise Credit Scores, Mortgage Company, Mortgages, Small Loan Company — @ 6:56 pm

Dottie asked:

Any suggestions on how to raise credit scores in the range of 597-607 received from all 3 credit reporting agencies.
I have 2 mortgages which was done by the mortgage company a couple years ago to help my credit and both have high rates, 1 car loan, 5 credit cards, and a small loan company. I have been paying more on my credit cards the last 3 or 4 months to get the balances down. I want to consolidate the mortgages and the car loan in the future. But, not sure how high a credit score needs to be for the best fixed rate.
Thank you for any help.

ALBERTSON

Comments (4)