Archive for November, 2008

How much does your credit score increase when you pay off an auto loan?

Sunday, November 30th, 2008

The last time I viewed my credit report, it did not have my auto loan as paid off. I had paid it off about a week before my credit report was pulled. Does anyone know how much that will increase my credit score? My FICO score was ...

How much does a credit score improve after bankruptcy falls off a credit report?

Sunday, November 30th, 2008

We are hoping that our credit score has improved greatly now that the bankruptcy is off (it was a long 10 years) and we haven't acquired much debt.Kristle

What credit score do I need to buy my first House?

Saturday, November 29th, 2008

I had a bankruptcy discharged 12/05, and am still struggling to increase my credit score in order to buy a house (not very soon, I suspect). What would be the minimum score I would need? Also, I am about to start a divorce, and I wonder how long after that ...

How long does it take to fix a credit score?

Thursday, November 27th, 2008

I am about $5,000 in debt (NONE OF WHICH IS FROM A CREDIT CARD...I'VE NEVER HAD ONE) and my credit score is a lot lower than I would like it to be. Most of my balance is either medical or utility. If I pay a $100 balance with a doctors office ...

What is the credit score rating system and explanations?

Thursday, November 27th, 2008

The credit reports/scores have a point system and abriviations like EFX Beacon 5.0, XPN FICO-II and TUC FICO Classic.Is there a giude or a publication that provides all the details as to how the system works,the credit score system and what are the methodology for correction of mistakes/incorrect/ time expired ...

How do they determine the credit score when there are 2 people on a mortgage?

Wednesday, November 26th, 2008

My husbands credit is much higher than mine. Will they average the two scores ort take the lowest credit score and base the mortgage rate on that?Brad

How do you get your credit score to go up?

Wednesday, November 26th, 2008

My credit score is at 668 and has not change in a year. I took out loans and paid them off. I am current on all my bills, car, loans, and credit cards. Why hasn't my credit score gone up? Should i pay off my credit cards all at once ...

How does building a credit score work in the US?

Tuesday, November 25th, 2008

Hi, I moved from Europe to the US 2 years ago. Just tried to buy a house. Unfortunately i had no credit history in the US. Therefore i did my best to get a credit card to get a credit score (which i did 4 months ago). I now have ...

How do you find out what your credit score is?

Monday, November 24th, 2008

I know how to get a free credit report, but it doesn't include the FICO score. Does anyone know of a reliable internet (or other) source to obtain the credit score? I've followed a few links but they all cost money and seem to be some kind of ...

What kind of credit score do you need to get a charge card for a dept. store in the mall?

Monday, November 24th, 2008

I've applied in the past like a few years back for various dept. stores and was denied. Ive since quit applying for them and my credit score has risen as well. My credit score is better now in the mid 6's. What are my chances of getting a credit card ...