What credit score do you need to have to rent an apartment? I want to move in with a friend of mine, who's apartment is run by a large company. I know they will do a credit check. My credit score is a 629... not the bottom, but not great. Do you think they'll be okay with that? To complicate matters, this company already approved me for a lease several months ago, but that fell through... I believe my credit was higher then. I really just don't want to be stuck with nowhere to live. Please help, especially if you really know what you're talking about!

What is the fastest way to raise your credit score? My husband and I hit a financial hard spot about a year ago. Since then we have worked hard to catch up on all our bills and pay them on time. We would like to buy a house in about 3 years. (We own a condo at the moment) Would 3 years be long enough to raise our credit scores? Other than paying our bills and paying off some of the balances that we owe is there another way to raise our credit scores? We plan on keeping our credit cards once we get them paid off because we were told that as long as we charge something once a month and then pay that off every month it will help with our credit score. Any other advice?

How do I help my credit score? I recently had a collection charge, and quite a few past due payments. I have come up to date on the past due payments and will be able to pay off all I owe within 3-4 months on all the credit cards. Also I will be able to pay off the collection charge within a month. I heard somewhere that I can negotiate with the collection agency for a payment for deletion for the collection account which would remove it from my credit report. Is this true? I will be moving in about 8 months and my credit score ranges from 520-564 on the three reports and I need to get it up so that I will be able to move into another apartment. By paying all this off will my score increase enough by time I move? I am not late on any utilities and have never been late paying rent, how will this also factor into getting a new apartment?

credit card score ??? Help? i just got my credit score 717 is it a good score? it is secured card with 300$ limit for 6 month, but i found 7 credit injuries from applying on other credit card is this effect my credit card ?? and if i want to apply for unsecured card with high limit do you think i will be approved ?? and is it good to get car loan for only $ 6,000 ??? please help i need some really have a good experience with credit cards thanks

help with credit score.? hello all,ive got a bad credit score of 561 and im trying to get it to go up,i have no credit cards,but i do have unpaid hosp.bills(which im paying on now)also on my older closed accounts ive missed several payments,anywhere from 30-60 days late.ive got no excuses.what can you all tell me to help get my score to go up to at least 630?ive got a total of about 4000 in hospital bills that im paying on and besides the late payments on my older accounts thats all i see.Any ideas of what steps i have to take to get back in the flow of things?

Does buying a home help improve your credit score? My wife and I are planning to buy our first home now and we heard that when you buy a home (1st time buyers), your credit score goes up. We need to know if this is true and how long it would take to reflect in our scores because we need to be approved for a student loan in 4 months and we are already working with our credit for that to happen. If this is not true we would rather continue renting then buying a home now. Any advice?

Can I get a loan with a credit score of 571? I was wondering what my chances are of getting a loan for a mobile home if my credit score is 571? The loan I would like to have would be from $7,500-$15,000.00. Do you think I would be able to get a loan with the credit that I have? Who do you think would loan me the money? Please help?

Will having a credit card company lower my interest rate and set a payoff plan hurt my credit score.? The credit card company wants to help me by lowering my rate and setting me up to pay the card off in five years. The card will also be canceled. I am worried because i am planning on buying a vehicle in the next five years. I have a very good credit score and I am afraid if I agree to this payoff plan with the credit company it will hurt my credit. I just want to know if it will hurt my credit score to do this. Thank you.

Consumer Math Help: What is the most significant component of your credit score? What is the most significant component of your credit score? What percentage does it add to your total credit score?

Does paying your cellphone bill on time help your credit score? What exactly helps boost your credit score phone bills rent like what exactly I'm 19 and I'm trying to raise my credit score.

Will my credit score in the USA help/hinder me qualifying for a credit card in the UK? I understand that Experian and Equifax reporting agencies are also used in the UK, but I am wondering if my history from the US will factor into my eligibility and interest rates I receive in the UK. THANK YOU :)

I have a car Reposession coming off my report in march 2010. How much will this help my credit score?

Can moving a balance from a credit card with high interest to one with lower--hurt my credit score?

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

Adding more to my credit to help my score? I have 2 credit cards with almost 3500 in outstanding balances that I am working on paying off. If I were to get a credit line of $7500 for one of those catalog things online would that help my credit score? Because right now my reports says the high balances are affecting my score. Whenever I make a larger than normal payment my scores jump a bit. So by extending my credit another $7500 but not using it help?

How does building a credit score work in the US? 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 a credit score of 653. Look quite bad no? Is it a bad score because my credit card is too recent?

GM Ford & Dodge are all struggling to sell why cant they help people with bad/fair credit to make sells? With all the losses that GM Ford And Dodge have taken they seem to drop the prices on their vehicles why cant they make it a bit easier for a first time buyer to acquire a truck car or someone with BAD credit or worse no credit score because there millions of people who would like a new relaible vehicle.

What is a good credit score and how to improve it? Sorry, multiple part question: What is the highest credit score possible and what is the lowest possible? What can you do to improve it? And the myth that using your ATM Debit card as credit can actually improve your credit score, is it true?

What does your credit score generally have to be in order to secure a good mortgage rate? I have cleaned up my credit and my score is 661 right now. Should I wait until it gets over 700 before applying for a mortgage? Is there anything else I can do (besides paying bills on time) to get my credit score up a little higher? I did get approved but at a 12.9% rate and would rather rent and wait until I got higher.

How to find out my credit score? I am British and serving in Germany with the British Army, yet I have no place of residence in the UK. I have tried to find my credit report, yet all the companies seem to ask for an address? Is it possible to find my credit rating out without it. Also, I have been using a credit card from a German bank, will that add to my credit rating? Do you only get a credit score if you have took out credit - i.e. credit card etc? Any help would be greatly appreciated.

With a credit score of 530, will I have problems getting an apartment? My credit score is now 530 due to several accounts that went delinquent earlier this year that are now current and in a credit counseling program. Will I have problems getting approved for a new apartment lease?

Does having a good credit score in USA help in obtaining better credit terms in Canada? I have a credit score greater than 760 in the US. We are planning to move to Canada and buy a home there. Do Canadian lenders have access to/consider US Credit Score when considering an application for credit?

My fathers credit score is 734 and he is retired. Can he assist me in buying a home if I have the income? I have poor credit that I am working on raising. My score is 550. He doesn't generate a lot of income because he's retired although he has a great score. Is co-signing going to help with my (meager) salary of 56,500 or would it really not make any difference on a loan application? Thanks everyone it would be for a Sonyma or FHA loan that requires 3% down. In what way would using him help? Just for the rate?

To what extent do credit cards help your credit score? I am a recent college grad, I've had one credit card which I've been pretty good with for the past 3 years. I am thinking about getting an American Eagle credit card, but I'm not sure how/if it will affect my credit score. Does having more credit cards improve your credit score? To what point (how many is too many)? How will my credit score be affected if I have a credit card but rarely use it?

With a credit score of 800 what chances of getting a unsecured loan at reasonable rates? whom should i approach for better rates

How can i clear my bad credit, if no one will help someone with bad credit and with nothing for collateral? Ok so I have messed up my credit over the years, over stupidness really and something i dont even know what is for. Anyway i want to clear my credit score and start over but how can i get a loan to consolidate it, If i have bad credit....Some advice please....I am in Ontario, Canada, if you have any advice it would be greatly appreciated.

Does debt consolidation work and help improve your credit score? I am really bad with paying bills and my credit has taken a hit these past couple years. I make enough money where I should be able to pay everything with no problem but for some reason I continue to struggle. Do you think a debt consolidation would be best for me and to help me improve my credit score? Does this really work?

What are some great, free web sites to review my credit score? I currently have an active account with CreditNotify, however, I see little point in shelling out $12 a month to simply keep tabs on my credit score. I plan on canceling my CreditNotify service really soon, but I would like to know what free web sources exist that will help me monitor my credit score.

How long will credit score take to return to normal after opening a new credit card? I recently opened a new credit card and noticed that my fico score plumetted 50 points after doing so. How long will it take for credit score to get over the fact that I opened a new account and regain those 50 points?

Will paying off my student loans before I graduate help my lacking credit score?

Will making multiple payments on a credit card a month lower my FICO score? Hi, I currently have a $450 balance on my credit card with a limit of $750. I know it looks bad on my credit report to have used up more than 50% of the limit, so I was wondering if I could make another payment this month. I have already made 2 payments to lower my balance, and was wondering how many payments per month one could make without hurting their credit score. Thanks!

Any tips on improving your credit score? I know I need to pay bills on time and lower or pay off my credit cards. But I need help with getting older irrelevant items off my credit report. Is it true that most information stays on the report for atleast 7 years? How do I remove the things from 7+ years and will this help improve my score?

What will happen to my credit score if my wife gets into trouble with a credit account? My wife has no income or credit history. She received a credit card application in the mail. The application does not require me to put in any of my personal information but it does ask to state household income. If she gets into trouble with her card, will it affect my credit or will the damage be limited to her credit score?

How high can my credit score climb if I have only credit cards in my credit history? My current credit score is 745 and I've built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the abscence of installement-paid loan will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score since I am planning to apply for a mortgage in the near future?

Will I be denied an FHA loan...678 credit score with Equifax, 700 on the other 2 bureaus.? I have 2 thirty day late payments, one in February and one last month. Other than that, everything is perfect. Back in November I had perfect credit and a credit score of 726. Will i be disqualified for an FHA loan because of the recent 30 day late payments??

What is the best way to get finanacing with a low credit score? late payments has lowered my score due to things out of my control. now I would like to rebuild credit and I also need to make a purchase that will require financing. I do not live above my means, very conservative lifestyle, no cell, cable or creditcard debt. Utilities and housing is my only expenses. what advice to help me get back on my feet? single parent, single income.

Is there a credit score reporting agency that can give me my credit score? I really need a company that will tell me how to improve my credit score on MY specific credit report, not general tips.

My credit score is horrible what can I do to help it? I want to start cleaning my credit report. I have a history of paying my car payment late. It is no more than thirty days late, but I know that it has been reported. I am trying to get back on track and it is hard but starting this month with my new job I am going to be on time. What else can I do to better my credit score? How far back do most creditors look when considering a credit application? Any advice that you can give me would be greatly appreciated!

What does my credit score have to be to get a Walmart credit card? 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.

What can I do to help raise my credit score? I am starting to pay off some old debit. Is there anything else I can do along with this? Can I bargin with the collection agency and tell them I will pay it off as long as my credit score is given back a few points or anything along those lines?

What is the credit score threshold for a credit card? My credit is around 570. I would like to increase it, but I was wondering what the cut off between "bad" & "not so bad, sorta fair" credit was, as I am planning on applying for a card to increase my score RESPONSIBLY. After paying off all of my debt ( which made me feel GREAT!!!), I need to rebuild my credit. Suggestions?

Can i re fiance my house with bad credit my fi co score is around? 590-600 Have an adjustable rate and i want to re fiance to get a fixed rate is now a good time can i do it with bad credit?

What types of credit is needed to get a high score? My credit score is about 615. I am working on improving my score so that I can qualify for a mortgage loan with low financing in about a year or so. I currently have an auto loan, and 3 revolving credit accounts. (All bank credit cards) Two of the revolving accounts are new, and the other almost a year old. My auto loan will be a year old in July of this year. Should I apply for more credit to get my score higher? If so what type of credit? What is a good mixture of credit to have to get a person's score higher? Any advice is appreciated. Thanks!

What is the most significant component of your credit score? What is the most significant component of your credit score? What percentage does it add to your total credit score?

how can i raise my credit score or get a loan with bad credit? my husband is applying to buy a house but we cant because he has very little credit and mine is about 515 but we dont know how to fix it and raise his fast or who will let us borrow with poor credit plz help us out greatly appreciated

When can I start building my credit score? I am 16 years old and would like to know when I can start building my credit score? What will be a starting credit score? How can I build my credit score to be as high as possible? Thanks. Serious answers only please.

How do you lower your credit limit without lowering your overall credit score? 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?

Can someone help me on serious situation with my credit score? Okay, I'm 21 years old and I live in apartment with my good friend. Ever since I was about 16, I've been independent with everything that involves financial issues. I pay for everything but I am working a job that pays 400 a week. I am currently 2500 in debt with 1400 in my bank account. I recently checked my credit score and it was 551 and its not getting any higher. What can I do to help rebound back to the way my life once was? Alot of the debt is in collections but its hard to reach them to work out a payment plan. Any options and do I have any hope for my future?

What kind of credit score do you need to get a charge card for a dept. store in the mall? 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 with anyone. Ive never had a credit card before can i get one now with my credit score?Who, why, what , when and where?

Does anyone know a lender who will lend to a new immigrant with no credit score in the US? I moved to the US about 4 months ago from the UK. I would like to buy a car but currently have NO credit score. I have read many forums about building a credit score, and I am going to start working on this, but I do not want to have to wait to buy a car, since I have no idea how long it takes to build a credit score here. Does anyone know any lenders who will consider UK credit scores? Or lenders who do not look at credit scores?

Need a personal loan with low credit score? I just recently got engaged and I am looking into trying to get a personal loan to help pay for the wedding costs. The only problem is that I have a credit score of 566. Is there anywhere that will provide me with that type of loan with the credit that I currently have?

How can you raise you credit score even when you pay on time? Ok, past credit messed me up. I have a judgement thats almost paid off. I am trying to raise my credit score.I have 3 new accounts that I've paid on time for over 1 year. I read that one way to raise your score is to " piggy back" on a relatives good credit ( have them add me to one of their good accounts and not use it) Is this safe, is it legal. I would love to hear constructive ways to increase my credit score. Please don't judge me. Almost all of my " bad" credit accounts have been paid off. I put my sons first when the divorce came. They lived in the house that I paid for while I lived in a basement.

What credit score must I have to qualify for a prime home loan? Right now I qualify for a sub-prime loan but want to get a better interest rate, so that means I need to improve my credit score.

My credit card balance is over 50%. How long will it take my credit score to go back up? 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.

What should my credit score be in order to get a good APR on a new vehicle? I am looking to buy a small SUV sometime in the fall/winter but know that I need to improve my credit score in order to get a better APR than I have now. What credit score are most vehicle lenders looking for?

What impact does closing credit cards have on your credit score? 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?

What happens if your credit score gets lowered due to late auto payments, but then you pay off the auto loan? In repairing a credit report score, an auto loan that had two late payments is then paid off in full, what happens to that part of the credit report? How long would it take to increase the credit score?

How can i get my credit score if i do not have a credit card? i want to know my credit score but do not currently have a credit card, and all the sites require one.

How much will my credit score go down by applying for a new card? I would prefer answers from people who work in the credit industry and can tell me roughly the number of points, and how long it will take for my score to recover once the new higher available credit kicks in... I know part of your credit score is determined by how much available credit you have. I closed several cards a few years back before I knew it would hurt my score, and now I have very little credit available. I have excellent credit otherwise, and pay off anything I charge the next month. However, I do have a balance I've been slowly paying down, and want to open a new card so that my balance takes up less of a proportion to my total credit debt. How much will this ding my credit in the short term? And how long will the point drop last?

with a 630 credit score will a bank give me mortgage? my score is only a 630 will a bank give me a loan to purchase the home I live in? its under my uncles name and I need to put it under my name asap.

Only 1 credit agency is reporting a score for me, how do I get the others to report a score for me? 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?

What is the lowest credit score do you have to have to lease a car? 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?

What happens to my credit score if I get married? I'm in my late 20's and my soon to be husband is in his early thirties. I have credit card debt, but I'm working on it. I have a couple bank accounts. I also have a really good credit score. My soon to be husband filed for bankruptcy a couple years ago after he got divorced to avoid paying for bills his wife wasn't paying. He doesn't have a credit card. He does have a bank account. I have no idea what his credit score is. Will my credit score be affected when we get married? Should we share a bank account when we get married? Note: His wife bought things and then didn't pay for the bills for them. They were items she bought and used when they were separated. He didn't see or use them. When she didn't pay for them the creditors came after her. She claimed she wasn't working and then they came after him after they were divorced. He was advised to file bankruptcy so the creditors would stop going after him.

How my credit score will be affected if I do the followings? 1. If I apply for a new credit card (visa signature) but cancel my old visa card? If my current credit score is 750, what will be my score after doing so?

What goes into determining your credit score and what causes it to go up and down? Being fairly new to credit I know most of the basics. When I comes to credit score though I keep hearing different stories. What really goes into finding your credit score and does it go down ask to know what it is?

What is the minimum acceptable credit score when applying for a job where the employer checks your credit? What is the minimum acceptable credit score when applying for a job where the employer checks your credit?

How do i get my credit score higher? I checked on Karma Credit.com and it says that one of the main reason my credit score is a 600 is because i have 7 accounts on it. What does this mean? It says i have one open account and 6 closed accounts? How do i get these accounts off of my record? Also i want to apply for a credit card, Which credit cards will i get approval from with a 600 credit score?

Where exactly can we check credit score for absolute FREE? All of the ligitimate sources I have looked at have a sign up scam running. You must sign up for credit protection plans or the like before you can get your free score. You must give them your credit card number for your free trial that by the way is difficult to get "unsubscribed" to. I thought the law said you could get a free credit score yearly. Where exactly can we check credit score for FREE?

What credit score is needed to get home loan? I have 680 credit score and I also would pay at least 20% down payment for $150,000 worth of loan if it is approved. I have also one year history of car loan which was paid in time. Please suggest me,would l be eligible to get home loan with low interest rate? Or I have to pay more down payment? Or wait 4-5 months and more so my credit score will be atleast 720 and more ?

How does the credit score point system actually work? I want to know how do they determine the credit score point system. I know what is credit and how it works. But I want to know the numbers part like if someone runs your credit report it takes off 2points from your score, another is what if your late on your payment how much does it take off then and if I have a loan for a certain amount does that mean I get a big score or a low score? I have some old accounts (5yrs old) that need to be paid off but if I do pay them off will it really make a difference on my score? Next thing you know I pay them off and then my score only goes up by 4 or 5 points or will I even get a point. What would be the purpose then? At the same time if creditors do look at my report yes it would show paid off but the history would still show that I was delinquent for 5yrs. Whose gonna want to give me a loan any ways? Basically what is the point system and how is it calculated? Let me know so I can start to repair my credit. Much thanks and I appreciate it!!!

trying to buy a house with 621 credit score? Okay we are trying to buy a house.......its not getting us very far we live in kansas my bf. has a 621 credit score bad history. we have a 20% downpayment and they are still saying no . what should we do . the house we are wanting is 87,000 he makes 1,000 a month i dont undsterstand what the problem is.

How high can your credit score go up after being very low? My credit score is around 500. I'm 21 years old and I have made some pretty poor decisions regarding my financial obligations. (PLEASE, do not post any negative information or comments telling me to get back on track and how important good credit is. I KNOW THIS and since March of this year, I have gotten back on track.) How much can my score go up after I continue paying my bills on time and get some bills out of collections? Thanks.

how to check my good free credit score with computer? i need to find a good free place to find my credit score

Why is my Experian credit score different on the TransUnion website? I am currently enrolled in Experian credit monitoring. I signed up to get all 3 scores from TransUnion just to see if there was a difference and there is! My score on the Experian site is 75 points higher than the one TransUnion shows as my Experian score. How can that be?? Shouldn't they be the same?

Undergraduate student with 3.9 GPA but horrible credit score.? I am a very dedicated financial student. It can be funny, even though my GPA is 3.9 my credit score is very damaged due to lost of job last year, I am running behind all my credit cards. I am worried because I think I won;t be able to find a good job after I graduate even though I have a great GPA. Any suggestions?

is their any way to check my credit score online with useing my credit card? links?

How to get a totally free annual credit score? can we get a free credit score ? 100% free annual credit report. and where do I start to look for the site? Thanks . Any help would be nice . Have a great day

I need to improve my credit score by 75 points to buy a house. So by paying of my collections will that help? So I was wondering if I go to my bank and get a secured credit card will that help?

where can I check my credit score with no credit card? I dont have a credit card but need to check mine and my husbands credits to improve them so we can buy a house. Does anyone know where I can check them?

How do I switch credit cards and not affect my credit score? I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don't need these credit cards and I would like to cancel them and have this "possible credit" to go towards the new card. I heard once that canceling a credit card has a negitive effect on your credit score. Is this true? If so, how do I switch credit cards and avoid affecting my credit score in a bad way?

What should my credit score be in order to get a good APR on a new vehicle? I am looking to buy a small SUV sometime in the fall/winter but know that I need to improve my credit score in order to get a better APR than I have now. What credit score are most vehicle lenders looking for?

What happens to your credit score when you cancel a credit card? say you are in good staying, never was late. always payed the balance. but you have too many credit cards let's say. so when you cancel that credit card. what happens to your credit score? Does your credit limit you had for that card get erased from the records? after all those years of building the credit limit to help the credit score. what happens to it? and what happens to your score? i'm just curious.

Which site can i go to to check free credit score? if there is any website that i can go to to get my free credit score , please help me.

Will my credit score be affected if i have a negative on my paypal? Ive looked through all these forums, but i have not found a complete answer. I HAVE given paypal my social sec.# before, unlike many of the cases i've read about. Even though paypal is not a real threat with their fake collection agencies, would they be able to hurt my credit score? If you are not absolutely positive please dont answer this. Thanks I dont have the card, i just have an account.

What is the credit score threshold for a credit card? My credit is around 570. I would like to increase it, but I was wondering what the cut off between "bad" & "not so bad, sorta fair" credit was, as I am planning on applying for a card to increase my score RESPONSIBLY. After paying off all of my debt ( which made me feel GREAT!!!), I need to rebuild my credit. Suggestions?

How can i fix my poor credit score when i already paid everything off? My credit score is still in the 400's. I paid off all of my collections and my credit cards. I recently purchased a new car with a co-signer and i pay more than my monthly payment. But my credit score is still in the 400's and it's been more than a year since i paid everything off. Is there any other way to improve my credit score?

What is wrong with my Vantage credit score in comparison to my FICO credit score.? have purchased both of these reports on the same day. My Vantage Experian score is 660. However, my FICO Experian score is a 630. I thought that my Vantage score would be much higher. This means that my FICO score is fair (and has potential) and my Vantage score is is terrible. Can someone please explain this to me? I really want to obtain a mortgage. THANKS!

Can I get a USDA housing loan with a credit score of 650 and gross $2700 a month? I am in the rural housing eligibility area.

Will this make my credit score go up any? I have owned my house for 6 months, with me paying my mortgage, credit card and truck payment on time every month will this raise my credit score within the next 6 months? How long does it usually take to raise a credit score? And how many points does your credit usually go up by, is there a set number?

What are ways you improve your credit card score? Hi can anyone tell me how you are increasing your credit score . I want to increase my credit score soon so let me know the tips to increase the credit score soon.

Are Credit Repair kits worth the money? Do they help raise your credit score? Thinkin about purchasing Suze Ormans credit repair kit.

Which is better for improving my credit score? I have a credit card with a balance of 12,000 dollars. My credit limit is also 12,000 dollars. What will get me more points on my credit score, A: paying off the entire balance at one time. B: Paying a set amount each month, for example, 2,000 dollars every month until the card is paid off? Which option will be better for my credit score and earn me more points? Thank you, 10 points and much thanks for anyone who can help me with this.

How does my credit score affect my military career? I have a bad credit score and a couple of financial delinquencies, is this going to affect my military career? if so how?

What private student loan can i get with a credit score of 674. I already got financial aid and fed loans.? If I do need a co sign, they have similar credit score. I am located in Houston, Texas if that means anything. Oh and finacial aid office was no hep. Please help!School starts Aug 24th!

Does refinancing a vehicle harm your credit score? I purchased a vehicle at a time when my credit score was low due to identity theft and fraud on my record. I really needed a new vehicle, so I had no choice but to make the purchase with a high rate. I am now considering refinancing my vehicle for a lower rate. I know nothing about refinancing and am concerned about the after-effect of refinancing.

If I have good credit and marry someone with bad credit will my credit score go down? "does a wife with good credit incur the husbands bad credit upon marriage?"

what mortgage companys will honestly work with people with a blemished credit score....trying to buy a home? WANT TO GET OUT OF PAYING HIGH RENT..AND RAISE MY SCORE. MY SCORE IS 580

What range of credit score is acceptable for renting an apartment? My company is closing here in California next May and I will be relocating to Austin in either mid-Aprl or May 1st of next year. I have been with my company for 23 years and am looking for a 4-6 month rental until I purchase a home. My current credit score is fair-good due in part to a divorce a couple of years back. As I have never rented an apartment before, always a home, I am not familiar with the credit requirements, I have heard they are very stringent. If I would not qualify, any advice you might have to offer would be greatly appreciated.

What credit score is needed to rent an apartment? I need to get an apartment ASAP but last I checked my credit score was 615. I recently consolidated my student loans (I'm still in college) and was told that would help it. What does my credit score need to be in order for me to get an apartment?

What does your credit score need to be for cell phone service? We want to go with At&T I'm wondering what type of credit score are they looking at? I if you don't need a credit score then why do some people not qualify with bad credit?

What is the minimum credit score for a RD home loan? I need to know what is the bare minimum credit score for an RD loan. My wife has a very high credit score but I am sitting at 595 medium score.

Does your credit score go down by checking it online? I have heard from several people, who check credit scores online, that by checking your credit score online it will lower your actual credit score. Is this true or false? If it is true, why would that lower your credit score?

What does your credit score need to be in order to buy a new car? My husband and I are buying a car jointly, but we don't have great credit because we recently purchased a house and various things that made our credit take some big hits. Is there a particular score that they look for when you buy a car?

With a credit score of 642,what is the best credit card I should apply 4 with the lowest interest rate? Looking to get some good benefits as well. Debating between Virgin America VISA (for airline miles) and Wells Fargo as well. Help!

What is wrong with my Vantage credit score in comparison to my FICO credit score.? I have purchased both of these reports on the same day. My Vantage Experian score is 677. However, my FICO Experian score is a 663. I thought that my Vantage score would be much higher. This means that my FICO score is fair (and has potential) and my Vantage score is is terrible. Can someone please explain this to me? I really want to obtain a mortgage. THANKS!

What happens to credit score after On record til Date has passed? If I look at my credit report and it says this is on record til 8/2009 and I don't pay it, what happens to it? Can the collection agency still hound me for the money or is it gone and my credit score go up?

can i buy a house with a credit score of 569? ok so i want to buy a house however im tired of cleaning up my credit, i have a son and HE NEEDS SPACE!!!!!!!! my credit score is currently 569 and i am looking to do a rent to own for a year....Is this at all possible? I current live in Prince Georges County MD and i would like to stay in that area. i dont want a mortgage over 125K....

How will an increase in salary affect my credit score? I understand that credit score isn't necessarily based on income but here's my situation. I have about 16,000 in revolving debt with a 600 credit score. My yearly income has recently increased 10 fold which obviously improves my debt to income ratio. How long after this increase should I see improvements in my credit score and by how much. Also what triggers the credit bureaus that this increase in income has occurred?

I had a collection acct from 08 removed from my report how much should that help my credit score?

How much does your credit score increase with each final payment of a debt? I recently purchased 9 books about how to raise your credit score and have recently paid off some student loans and credit cards...I have one student loan remaining and one small credit card balance...The ones I paid off were outstanding as far as being overdue...I want to know about how much my credit score adjusts with the payment of these debts after about 3 months once my credit reports reflect this...

How can your credit score keep you from getting a job? I heard on some commercial that a bad credit score can keep you from getting a loan, a car, and a job? How is this possible? Why wouldn't someone hire you because of your credit score?

I need to improve my credit score by 4 points for a loan. Is there anyway to quickly improve your credit? I need to improve my credit score by 4 points for a loan. Is there anyway to quickly improve your credit score over a few weeks\months? If I pay off the remainder of some of my student loans could my credit score jump immediately?

How can I improve my credit score by at least fifty points fast? My credit score is just shy 18 points from getting a decent loan. But if I could get it higher I will certainly try. I've made a few late payments and I'm planning on cutting all my bills in half. Would that be enough?

Can a credit card sit with no balance still help raise your credit score? My largest credit card is raising my interest rate in 3 months. It's going to go from 15% to 22%. I called to contest this and they said with the times 7/10 customers rates are going up or something. I would like to pay this card off, and lock it away so I don't spend anything on the card. I know spending on it and paying it off every month would be the best way, but I don't even want to take the chance with this outrageous interest rate. I was wondering if I lock it away, and just leave the account open, and not spend on the card at all, would that help my credit score, or will it have no effect on it. If there's no effect, I will just close the account. I'm 19 and just started establishing my credit not too long ago, so I know my rates will not be great, but I don't want to ruin my credit and I don't think 22% is really acceptable to me. It was 15% and that's a big difference. Thanks in advance and I will appreciate any knowledgable answers about this! Also, if anyone has any helpful tips for me, feel free to share...nicely!

What kind of credit score must you generally have to get a car loan at a bank? I want to buy a car but i'm in the process of re-building my credit. It was really bad but i've paid my credit cards off and its getting better. I was just wondering what an average score was to get a good car loan. Thanks!

What interest rate should I expect with a median credit score of 622? My husband and I are looking to buy a house and I just wanted to crunch some numbers. Thanks:)

Does anyone know where to get an unsecured personal loan with good credit score but high debt? Hey- I am not interested in scam folks please. This is a genuine question Thank you

Who knows a good mortgage lender who will work with a couple with one good and one poor credit score?

where can i find a home loan with a bad credit score? i have searched and always fall short i only need 24,000 for the home please help

Credit Repair Expert needed. Pls Help. My credit score is only 476 & need to repair it asap? For the past couple of years, I have screw up my credit very badly. So today, I want to put myself together and get it repaired as much as I could. So at this point, I am looking for a company or some credit expert that would help me in repairing my credit. so I could get on with my life.

What exactly will increase your credit score? I have some bad credit which has my score in the 580's but I am needing to get up above 620 as quickly as possible because my wife and I are trying to buy a house. I am just not sure if setting up payment plans with my creditors will raise my credit score or if we should do something else?

How do I better my bad credit score? I have bad credit, I let someone borrow money from two of my credit cards and they stop paying them for like 3 months.( how irresponsible of me, i know) I had to start an account with one of the debt consolidators to make one single payment a month on both those credit cards, the interest for nonpayment where so high my payment on every card was like $500 a month, ridiculous! Now I have a really bad credit score. How do i fix this?

do i need a credit score to get a new credit card in another country? I have two credit cards (Visa and Mater) from Saudi Arabian bank (SABB bank: Affiliated with HSBC). I am moving to Canada and I need to have credit cads and to buy a house. If I have an excellent credit report and credit score from my current bank.. does this improve my chance to get a better credit card from Canadian banks?

can i get a car loan with a 560 credit score i defaulted on a credit card 1 year ago and had a repo 6 years ag? i have 8 thousand dollars down ( 8000$ ) if that makes a difference and my income is 1000$ a month from social security disability im currently out of work but have no other bills i just payed off a 5 year car loan in 2 and a half. so my new car would be all, i live in ny

Do u have to have a good credit score to get an account with a bank? I am trying to set up a direct deposit with my work because i am going on a trip at the end of may but i don't have a bank account to set it up with. And as of right now i don't know my credit score but i know its bad because i have loans out from college that i still need to pay and I'm behind payments. Help will be much appreciated.

What kind of auto loan rate can i expect with a credit score of 700?

help with improving my credit score? i just got a credit card 5 months ago and i make every payment on time but recently i lost my job and my card is almost maxed out but im still making more then the minimum payments on it. when will my credit start to show as good? before it was zero and im 25.

Are Credit Repair kits worth the money? Do they help raise your credit score? Thinkin about purchasing Suze Ormans credit repair kit.

How many points will my credit score go up if I pay my credit card in full each month? My credit score is so low and I managed to get 2 of the worst credit cards, but I'm just using them to raise my score. If I pay off both of them in full each month how much will my score go up? Thanks.

How much will one late payment affect my credit score? There was a little mix up with the electric company and my payments and as a result i made one late payment and i paid in full when i realized the error. i am worried that my credit score will be screwed up now...i have one credit card and have never made a late payment on that. Will this one late payment affect my credit score?

How will this impact my credit score? I have 2 Chase cards with a total of 10K credit. One card 4K & 1 6K. Neither has a balance and I have been told that I can combine the cards and have one card with a 10K balance and 9.9 FIXED APR. The older card has the 9.9% APR. Are there any negatives that I need to consider? If I can also get a credit increase is that a good thing that might increase my credit score?

What credit score is needed for a Home Depot Credit Card? Can I get approved with a credit score of 627?

How do I find out what my credit score is? I keep seeing these ads on websites to check my score but I'm afraid it's a scam or spamming tactic. Is there a right way to check your credit score? Are those ads legit? Are they really free?

What kind of interest rate can you get with a 623 credit score for an auto loan? What is an average range for "fair" credit?

Is a 632 credit score good enough to be someone co-signer for car loan? My friend has a credit score of 500 and got decline for car loan recently. She told me her mother has a credit score of 632, is that even good enough to be help her qualify for the car loan?

How fast does credit score improve and by how much? i currently have 499 credit score and that's because i stayed behind on some car and credit card payments. i currently owe 4k total in 2 credit cards and 2k on my car payment. if i was to pay it all off within a week (i have the money) how much will my credit score improve? and after how long can i buy something (either a house or car)? do i have to wait for years, months?

I pay off all my 4 credit card balance every month.is this gonna hurt or help my credit score? i have never carry a balance.i pay it off each month.is this gonna help my credit or hurt it?

HELP! How can i approve my credit score and also consolidate my debt!? My credit score is effecting eveything in my life, i am an college with no little income just enough to pay my bills, how can i consolidate my debt and get my credit score to go up Thanks I really apreciate it!

Help with my Credit Score (re:monthly payments)? I have a question regarding my credit. I bought a ring for my girlfriend from kay jewelry's, it was around 160. I had cash but decided to apply for their credit card and pay monthly payments in order to help my credit. The minimum is 25$, and i pay 30$. Was this a foolish thing to do? My understanding is that if I pay this off to fast, it wont show on my credit report. Should I just pay the remainder off? Also, my EQUIFAX shows that I have debt, and my other account open is my Bank of America Student Visa, which I pay this off in full (around 400-800/month). So is this debt coming from kay? and is this bad?

Does a Cash Reserve Account help my credit score? Please explain how, why and best way to manage it. Thanks for your info.

will paying a bill that has already made it to the credit bureau and charged off help my credit score? i have a couple of bills in there that should be paid but if its not going to help my scrore. i would rather put my money somewhere else it is needed . (trying to get finances staight to by a home)

Does it help your credit score to have more then 1 credit card and if so how many should a person have? I was just curious if I should get a second credit card. right now i have a visa and was thinking of also getting an amex.

Help me raise my credit score by 35 points!? I will be applying for a mortgage in about 10 months. I want to get my credit score up by 35 points before I have to apply. Is this possible to do in this period of time? I only have one credit card presently, would you reccomend that I get another?

Does it hurt, help, or do nothing to your credit score when you pay off a credit card and close the account? What is the best option here?

Are Credit Repair kits worth the money? Do they help raise your credit score? Thinkin about purchasing Suze Ormans credit repair kit.

can getting a American express card help your credit score ? someone told me that they had a credit score of 580 and then they apply for a American Express Card ,and then there credit score went up to 620 , can that really happen?

We have a poor credit score and are desperate to buy a home, are there ANY lenders out there that can help? We have already been told that we cannot get a FHA loan, due to our credit score. I am in Ohio.

How do I remove derogatory accounts off my credit score after they have been settled? I have 3 derogatory accounts on my credit score. I have settled them. They were charge offs and I settled them through a collection agency. Is there any way to remove these accounts becasue I think they are absolutely killing my credit score. Also, they have not been reported as being settled yet. I just settled them a month a go. Does anyone know how long it usually takes for the collection agency to report these settlements? Please help.

How can i get my credit score higher quickly? My credit is getting trashed because of co signing for people and they are not paying. I really need my score to get higher asap. Any help?

I need to increase my credit score from 607 to 650, how can I do this and how long should it take? I am buying a new home and if I get my credit score close to 650, I will get a much better loan. I don't close till January so I have some time. I bought a car in December of 2006 and I was hoping my payment history on that will help me out also, but I don't know how long that will take to show up on my report. I know paying off my credit cards will help and I am very close on getting that debt way down but I need some other suggestions on what I can do.

Credit Score Help. Will having 2 car loans help or hurt my qualifications for a mortgage? I just purchased a 21,000 car that I will payoff in 5 years. My brother in law wants to purchase a similar car but since he would always pay everything in cash, he has little credit and was told he needed a co-signer to qualify. If I co-sign for him would that hurt me when I apply for a house 1-2 years from now? Also once his credit builds up can he take me out of the loan down the road? thanks

How does one get their credit score updated quickly after paying off credit cards? Hi experts! I'm in the process of paying off my credit card debt in hopes of raising my FICO score before refinancing my student loans. I really want to get the loans refinanced ASAP as my monthly payments are currently absurd. My problem is that even though I can afford to pay my credit card debt off now, I know the FICO score won't update for 2-4 weeks. I've read on some other posts in this forum that one can make some calls to rush the credit report updating process, however I wasn't quite understanding who I should call and exactly what I should say. Do I call my credit card issuer or is there a bureau I should be contacting? Does anyone know of any other options besides calling that may be better? I really really appreciate your time and help...it will end up saving me lots of money! All advice is welcome and highly appreciated. Thanks, Curt

Increasing credit score- How do I go about it? I would like to increase my credit score to buy a house. My credit history is as follows.... My current score is 574. Filed bk in 2002. Since then I have had 3 auto loans, which have been paid on time for the most part. I did have a credit card but it went over the limit. I settled for less than the actual amount due to get rid of it. I also have several medical bills in collections. I intend to pay them all off within the next few months. I know that the necessarily won't remove the account from my credit report but what wording should I ask that they add to the account. Is it best to pay the original creditor and act as if I did not know it went to collections? Also, how do I go about getting information added to a credit report? My bank reports to TransUnion, how do I get the information added to Experian and Equifax. I want possible lenders to get a complete picture. Hope I provided enough information. Thanks in advance for all and any help.

If my mom adds me as a registered user on her credit card, will that card activity affect my credit score too? I recently found out that there is going to be a policy change at my job that will require me to have my own credit card to charge all of my travel and other work-related expenses to and get reimbursed later. Up until now, we have had a company debit card to use. The problem is that I can't get a credit card due to bad credit. I am thinking of having my mom add me to one of her cards as a registered user and use that card (I have to determine first if that will work for rental cars). I heard that this would help my credit score and not just hers since I would have a lot of expenses each month that would get paid off immediately. However, this is basically the same thing I was doing with the company card--the account was in the company's name and I was a registered user, but this did not show on my credit report.

How long does it take to rebuild your credit score? About how long does it take to go from a shaky credit score to a good credit score? I have about five credit cards, should I pay them all off and wait? How long must one wait until their credit score is back in the "good" side?

Who do I go to to help me boost credit score? We are looking to sell then buy a home in the next year. We would like to get our score up as much as possible as we are hovering around 620. We will be moving for a new job so we want to get the score up as much as possible to offset that "negative". So, who would we meet with to help us make a plan to get our score higher? A mortgage broker? Directly with a mortgage lender? Credit counselor? I was told by our last mortgage lender that we fall in the subprime market so getting a loan is next to impossible right now. We are very worried but we have to move and we really do not want to rent or anything- we have to get another house. Any help is appreciated.

How do you improve your credit score if you have poor credit and new accounts? I have alot of derogatory items on my credit that I actually need to take care of. I have opened some new credit card accounts since I have never had credit cards before. What is the best way to improve my score so that I am not such a high risk?

What credit score does everybody start out with, or do you even have a score until you get a card? I don't know my credit score, I am just now getting a checking account, and I have only used cash prior, so what score does everybody start out at?

What kind of credit score do you need to get an iphone? I'm interested in getting an IPhone, but have about a 600 credit score, I have in the past year paid everything on time, and have dramatically improved my credit, but am still in the rebuilding process. Does anyone know what kind of criteria ATT has for approving new accounts?

Will paying off my entire balance weekly help my credit score? I'm currently paying off my entire creditcard balance online every other week. All of my statements have a 0 balance right now, but I'm afraid paying them off this often and carrying zero balance won't improve my score since I don't carry any "credit"

Does it help my credit score to payoff a charged-off credit card from 5 years ago? Long story short, I was young and stupid, and let a $500 Capital One credit card bill go to collections and never paid it off. Now, of course, it is damaging my credit report. My question is not whether to pay it or not, but will it improve my score enough to justify the $2500 it is reporting as due on my report? Has anyone heard of Capital removing it from a credit report if I pay them off?

If I were to cancel my 3 store credit cards, would this help my credit score? I've heard that the more credit history you have, the better it will be for huge purchases like a house. But since I just moved in my first apartment (I'm 25, I know I'm a late bloomer), I was thinking of all the extra money I would have just by not having to pay off those cards. Thanks in advance!

Removed as authorize user hurt or help my credit score? I little while back I piggybacked on a family members higher limit credit cards / had them add me as an authorized user simply to boost my credit. Well a couple months later I noticed the balance to credit available ratio is quite high on 2 of those cards. So the question is, if I have myself removed as an authorized user, will these cards show anything negative such as close account or cancelled account? And most importantly would it overall help or hurt my credit score?

How to get a bonded for construction work with low credit score.? My business partner and I are trying to get bonded for a bid we have coming up. Both of our wives have less than desirable credit scores. All of the companies are aking for our spousal information. Has anyone ever had this problem? If so how did you get around it. What company did you use?

What kind of interest rate can you get with a 725 credit score for an auto loan? Auto Loan Question above. Thanks

How much does getting pre-approved for a mortgage lower my credit score? I'd like to get pre-approved, but if I don't go through with buying a house, I hate to have my credit score lowered just because I applied/was approved for a loan.

Will putting money on my savings account raise my credit score? I bank with Wells Fargo and I have checking and savings from them. I can save $500 per month from working full-time. If I put $500 on my savings account every month for at least 12 months, will this raise my credit score?

Will my credit score drop if I use a reserve line of credit with my checking account? I have a reserve line set up incase I have insufficient funds in my checking account. This way the bank doesn't charge me for having insufficient funds. Will having this effect my credit score? It appears in my account as a negative balance but is instantly fixed when the reserve line kicks in.

Will paying off my car nine months early help or hurt my credit score? I bought a used car for about $1000. I financed it for a 12 month period. I have the money in savings to pay it off completely right now. Is it better for my credit score to pay it off right now, or should I wait and continue to make monthly payments. I have about 9 months left on the load.

Can I still rent an apartment these days with a lousy credit score? I've never missed a rent payment, but I have missed some credit card payments in the past.

How can I obtain a personal or medical loan with a credit score of 530? I have decent income around $75,000.? I need about $9000 Please Please PLease no links to websites where you have to pay to get access to something. I need a straight forward applcation and a phone call that does not involve my credit card

trade in car with low credit score? can i trade in my car for a newer model if my credit score has dropped? i know i couldnt get a car with my score but what about trading mine in for a 5k more expensive car than my trade in value? What if i paid the difference could i continue payments on the newer one?

whats the chance of getting a loan with a 564 credit score? we just paid off a medical judgement do you think that will help the score oincrease and how long til it does

is it possible to get a mortgage with a 601 credit score? if so, with which lender(s)?

How long will "recent inquiries" affect my credit score? I recently bought a new to me car. I have good credit, but with the credit crunch lenders are real picky who they loan to. The car dealer tried 5 lenders before he got a yes. I got the car but now those Recent Inquiries are affecting my credit score. How long before they drop off my report?

How much does your credit score increase for paying off a car? I totaled my car, which the insurance paid most of but since I didn't have GAP insurance, I ended up paying about $800. What I want to know, is if the contract was for five years and the car is now paid off in 2yrs, will my credit score go up significantly? Most importantly, how long does it take to reflect on your credit score? Thanks in advance.

How long will it take to raise my credit score? My current credit score is 574. I have been paying my bills on time and haven't applied for more credit recently. I want to know if this process will take years or months. I payed off 2 credit cards recently with a loan i obtained. I also payed off another installment loan. Any idea of the point value on these types of transactions.

How do I go about increasing my credit score with a couple accounts in collections? If I pay the debts owed, will it improve my credit score? By how much? They are 4-5 years old, and I just now have the money to pay them. I've been a full time student! I also have two credit cards in very good standing. One of which I've had for 8 years and never been late-however those delinquent accounts are outweighing the current ones in good standing.

Which Retail Chain with Give u Credit w/a low score? If you have a credit score of under 600 which retail chain with give u a credit card?

Is there a site that has an interest rate calculator based on credit score? We are looking to buy a new car and I would like to see what kind of interest rates we are looking at with a credit score of 675. I have been scouring the net looking for this info and just cannot find it anywhere. I just want an estimate. Would it be 10%, 15%? I have no idea. Any help would be great. Thanks.

What kind of loans can I get with a credit score of 670? I've had a bad credit in the past and paid off over $15000 in the past year and a half. In the past year or so my credit score has raised obviously. With my credit score now being around 670,would I be approved for a car loan,personal loan,mortgage or things along those lines? I understand interest fees could be the big if in this matter.

Help with my Credit Score? I ruined my credit when I was young. My credit score is currently 530, I filed for Chapter 7 bankruptcy that was discharged in '02, I had 9 negative items on there which I paid off a week ago. About how much higher would this make my credit score go? I would at least like to be 620. is this possible? Thanks for any information you can help me with.

Where can I find an Auto Loan with a credit score of 480? I have a very low credit score, 480, although I have recently paid off 90% of my debt, raising your score 200 points doesn't happen overnight. I have a great co-signer for my Car Loan that has a credit score of over 800 pts., but we got denied yesteday at a dealership for financing. Any suggestions on where to go or what bank to try?

Can I get a FHA loan with credit score of 587? We recently had some errors that were cleared up on our credit, but the score didn't go up where we thought it would. We were looking to be pre-approved for a mortgage. The lender we spoke to said to get a FHA we would need atleast a score of 600. We have a bankruptcy that has been discharged for 2 years, 2 car payments (last late payment was 21 months ago), and no credit cards. Is it worth shopping around?

Will paying with checks raise my credit score? I was told that paying with checks can add to your credit and POSSIBLY raise your score? I dont see why or how that would raise your score as opposed to paying with your debit card because you're still paying with the SAME money on the SAME account, but this is what I was told and I wanted to know if it's true. I was told it would be better to pay for a car at a dealership with a check because it can add to your credit.

If I am in a credit counseling service and still owe Verizon money can I get a plan with a good credit score?

Will disputing old accounts from my credit report help to raise my credit score? I read that early November is the best time to dispute becuase of the holidays. I am able to get prints of my reports from annualcreditreport.com, after printing I noticed some accounts on my report that were 4 to 6 and one that was even 10 years old. I'm thinking it would make my report look better if these were removed?:

which card could i apply for with scores between 566-601 to help build my credit? with scores between 566-601 what stores cards can i apply for to build my credit. Being that i only have one card to help me build, should i wait for scores to go up a little higher.

What credit score do potential employers look for? I have a job interview with a company that will be doing a credit check on me, does anyone know what score they consider too be unacceptable?

Will a 743 credit score get me a good auto loan? I am going to be a college senior. I currently have a credit score of 743 and need to buy a new car. I was wondering if I will be able to get a loan without a co-signer with this credit score. I make about 1600 a month and go to school full-time.

How can I raise my credit score from 520 to 750? Hello, I am in the process of buying a house in the next year, and I was just curious if anybody know how I can raise my credit score from 520 to 750 in the next year? Is this possible? I do have a few collections, and student loans (in default), but should I pay these first, or what steps should I take? Any help is appreciated

Will changing account numbers with my credit card company affect my credit score? I lost my credit card and Capital One is going to send me a new one and change the account number. Will this affect my credit score at all since my old account is going to be closed and a new one opened?

Can i get approve for a mortgage loan with a credit score of 585? My wife and I are looking into buying a house (The American dream). But our credit scores are low. My credit score is 575, 585, 590. Can we qualify for 1st time buyers? we have little down payment, $5000 to $7000? Will a bank approve us. My last year earnings where $50k. thx!

Equifax Credit Score comparison with other bureaus? My Equifax credit score is 680 while my Experian credit score is 765and my TransUnion credit score is 770.I just don’t get it, why is it much lower than other bureaus. I have no late fee, no Derogatory Information, and/or any other issue that lower my Equifax score. Does any body has the same problem or anybody has any answer for this?

What bank would give me a mortgage with a low credit score? I have a good job and have been working for a little over 5 years. I make almost $45K a year, but my credit is in the high 500's low 6's. I want a mortgage to purchase a house that cost $54K. Who would give me the loan without a lot of drama??

Approved for a mortgage with credit score of 515? Me and my wife are wanting to buy a house soon. Together we both gross a little over $43,000. All the accounts on our credit report are nearly two to three years old. I was wondering is it in any way possible to be approved for say a 50-75k mortgage?

Approved for second home with 684 credit score? I am turning our first home into an upstairs downstairs daycare and will be purchasing another home next year and am wondering if my credit is good enough to be approved for a second home. Yes I have zoning that allows for a care facility and it will be only used as a business, I will also be turning the next home into another daycare center but it will be our primary resedence when we first purchase it.

Are there any mortgage companies willing to REFINANCE someone with a great credit score? We own a plum commercial building in the middle of the best part of the downtown area of a small town. I have top credit---over 800. My sister has about 780. We want to refinance. Our interest rate is 8.5%. Are there any reputable companies that will refinance for a much better rate??

Can I get a mortgage with a credit score of 658? for about $200,000? How do I meet the budget? I make $47,000 and my partner makes $35,000 How much of a down payment should I have?

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

how do i raise my credit score of 608 to high enough to buy a home? i paid off all my debts about a year ago. only thing on there now is student loans which shouldnt go against me since i just got out of school. do i need to get a credit card? my fiancee score is lower(about 550) because he racked up his credit cards. i'm worried we wont be able to get a house. please help. thanks!

Car buying with a not great credit score? I need to purchase a new car in the 10k-13k range. I have a credit score of a little over 600 which I know is pretty bad. My question is can I even get approved for a loan, and how much of a down payment would I need to make to get approved?

Can you help me improve my credit score? Ok, so, I owe money to two cell phone companies and one car insurance company. All together sums up to almost $1000. Is that really bad on my credit? Will that prevent me from getting hired? My plan is to order my credit score and pay this debts. What is the process? I just want to pay in full what I owe. I want to contact them and give them their money.

With a credit score of 519 for the highest will capital one lend to me? I'm not a monkey but i have some jacked up credit that i need to boost ive paid off almost ever thing on my credit report i just need another revolving line of credit

credit score with secured credit card? I am a new immigrant and waiting for my SSN. So I applied for a citibank secured credit card to help establish my credit score. After a couple of months use on the card, can I check with Experian and others on my credit score WITHOUT supplying my SSN?!?!?!

Car loan with a 541 credit score? OK we are trying to get a car loan through ford on a 08 for about 18. my husband is the one with a long time job of 8 years but his credit score 541 i got that from freecreditreport it shows he owes about 500 dollars or so in unpaid. Mine is just as bad but with more unpaid debit. My ? is has anyone ever got approved for a loan with that low of scores and in todays world.

with a credit score of 715 how much would i need for a down-payment on a conventional home loan? are they as strict as FHA?

What morg. interest rate can I get with a credit score of 581? This is for a refi. Currently paying 7%

Does paying off your credit card help your credit score? I have a credit card of a limit of only $200. My credit score is poor right now I don't have much reporting to my credit. If I pay off my credit card will it help my credit/credit score go up?

Can a prepaid master card help to build-up the credit score? I need to build-up my credit score. I realised the importance of it very late .And now it is hard to find some financial body who is interested to provide credit card to me . So I thought of buying the master card, the pre-paid one. As I received it I found it has not my name printed on it. Now , I am sceptical if it can really help me to build my credit score.Is there any card that I can buy to serve my purpose ?

Can cutting up three of my 8 credit cards help my credit score? I'm trying to boost my credit score and there are a veiw cards that i have that i no longer want can i cancel them and have the credit comapany bill me, and will that help my credit score? the cards or dillards, visa, and mastercard. Help!

help me make payments to improve credit score what should i do? ok so i have 3200 debt on a cc with credit limit of 6000. an other cc with balance of 160 and credit limit of 300. and other with 1300 and a credit limit of 1500. i have 1500 cash right now how should i devide the payments... please help me but the whole purpose is to improve my credit score.

Where can i get help on improving my credit score? I want to improve my credit score without opening credit card accounts and other risky options. Can anyone help?

Are their credit cards available to help increase low credit score? Many people need a credit card with a small limits of 1,000 or less who have credit scores around 500 or less. This will help weak credit individuals to make payments on time so that their credit score could increase.

Does having more than one credit card help your credit score? I have a credit card but recently got accepted for another card with a higher balance. If I keep both credit cards but only use one of them, will it help any with making my credit score higher?

Does adding my boyfriend to my credit card help his credit score? I added my boyfriend as a co-owner to my credit card to help his "not so great" credit. I make all the payments on time and there is never a balance left on the card. Is this really helping his score? If so can anyone give me a clue as to how much it helps him...Thank you. I added my boyfriend as a co-owner (shared responsibility) to my credit card to help his "not so great" credit. Is this really helping his score? If so can anyone give me a clue as to how much it helps him...Thank you. (Just FYI, He doesn't have a card or access to spend anything. He is doing fine at keeping things ontime now.)

Can someone help me with my credit score? My credit score is very low due to the fact that my ex-husband used my name and SS number and then never paid for what he bought. I just didn't know that he was doing that as he opened all of the mail. Anyway, here I am with a credit score that is very low. I need to have a surgical procedure done. I can get financial help to pay for it, but my credit score is too low to qualify. Is there ANYTHING that I can do? I have a good job and have always been employed. I don't know how to raise my credit score. I was actually turned down for a Bank of America secured credit card even though my checking and savings accounts are there! What in the world can I do to fix this? If ther is anything, does it take a long time?

Will opening a pre-approved american express green card help my credit score? My balance to available credit ratio is not as good as it could be (15,000:30,000), and is really the only negative thing about my credit. Would opening an american express green card help/hurt/not affect my credit score.  Thanks for any tips.

Where can I get help with my bills and possibly get a loan when my credit score is so bad? Right now I owe about $3500.00 in credit and utility bills and i need to start paying them off. I make about 700 a week and would like to get a loan to clear this up and start my life over. I have looked around and right now my credit score is in a "Delinquency Status" making it impossible for me to get help anywhere. Please help!

Will paying off collections help my credit score? I am looking to secure financing on an unexpected piece of property which came available. Naturally, I will need a loan. If i obtain my credit reports, and pay off the closed account which are posted for collection, will that help my credit score enought to make a signifiacnt difference? I have no car loans, nor do I have credit card debt...But I have a very poor score due to unpaid medical and various collections hitherto unpaid. Please advise what to do to get my score up enought to qualify for (even a high interest loan) I have the income..but need a mortgage. Also, will any more than 20 % downplayment have any bearing with a poor score? I have NEVER declared bankruptcy, planning on always "sometime" paying all my debts to those I owe!

Can consolidating student loans help credit score? I have a lot of loans, almost 100K as I am getting my PHD. There are number, about 15 individual loans. All other credit is on time and I make a good living. The loans are in deferrment, but does the number of individual loans affect score that much? Would consolidating and paying something on them each month even though they are in deferment help? I am not looking for information on loans, only their effect on my credit

Does it help or hurt my credit score if I get a home equity loan? I do not have a great credit score, but only one Visa card and two others. I know the formulas are secret but does anyone know if this one factor has a predictable effect?

Does paying accounts in collection help your credit score? I 've heard that it actually lowers your credit score because it show's more recent? Is this true and if so would it be better just to wait for the sever years for it to come off? Collection accounts are about 3-4 years old thanks!

What would help my credit score more? Pay off some collections, or pay down credit cards? I have $90 and $160 collection accounts I can pay, or I have about $3000 of credit card debt I could pay a few hundred on maybe. I am trying to pump up my low credit score within the next month or two in order to get the best deal possible on a re-fi. My score is pretty low right now its been betwee 600 and 620. Need good advice.

Does paying my credit card twice a month help my credit score ? I've had my first credit card with capital one for six months now and have been paying my credit card $100+ every 15days (minimum payment of $15), but my balance remains 80%- 90% full due to my usage. Is this good or bad for my credit score ?

Easiest way to help clean up your credit score? Im recently divorced. I want a fresh begining....How do I up my credit score and clean things up a bit? I need normal everyday people ideas with in my budget.

Does making cellphone payments on time help to increase your credit score any? Just looking for ways to increase my credit score other than getting a credit card.

Does paying your credit card on time help build your credit score? so i just recently received a credit card....but i would like to have a good credit score in the future...so should i just pay for stuff with my debit or does the credit card really make a difference?

does paying off credit card balance in full hurt or help credit score? I have my credit account set up to take the full amount of the the credit balance directly out of my checking on the 28th of each month. I have read many different things about building a good credit score. Does paying off the full amount of my credit balance at the end of each month help or hurt my credit score? (any other ways to build a good credit score for a person who just got their first credit card would be helpful too, thanks)

Can you help me figure out if this will severely hurt my credit score? Here's my situation: I'm a student and so my credit limit is only $2,500. I want to register for a class next term, but the only way you can do that at my school is if you pay the tuition at the time you register online. I need to register for the class right away because the class only admits 10 students and I need it to graduate. Anyway, the tuition is going to be about $2600. I was wondering if it would hurt my credit score if I use my credit card to charge this amount (and go over the limit by about $100-$200), even if I pay it off ENTIRELY the very next day. I have the cash to pay for it, so there is no question of whether or not I will pay off my balance, it's just you need to use a credit card to register for the class online. Don't suggest I pay the tuition in person or by mail, because by the time I do that, the class will already be Full. My only option is to pay it online with a credit card.

if i purchase a cd and borrow against it, will this help my credit score? i want to increase my credit score and adding 5,000 CD to my credit report, i believe might help!

If I pay off a credit card that has late in the past, will it help my credit score? I've been late on this credit card and now I want to buy a house. If i pay it off, will my credit score increase any at all? The credit card is now being paid on time with the last late payment happening about 6 months ago.

Does paying off collecion debt help increase my credit score? I have debt in the amount of $7000 that has been sent to collection agencies about three years ago. Two were credit cards, one a cell phone bill. I desperately need to improve my credit score. Will it help if I start paying this debt to the collection agaencies? I read somewhere that it does not matter whether you pay collection debt off or not since they stay in your credit file for seven years anyways. Is this true? How important is it? Also, what are other things I should do in order to improve my credit score at this point? At the moment I don't get approved for any credit due to my low score. Any suggestions really appreciated!!!

Would taking out a loan and paying it off immediatly help my credit score? Please read? I am attending a community college, and I have enough money saved up that I do not NEED to take out a loan. However, I am trying to build up my credit score so that I can take out a larger loan later when I transfer to a 20k/year university. Would taking out a of about 3k, and paying it off immediatly help my credit score? Or possibly taking out a loan and making payments on it? What is the best way to go about this? Thank you very much for your help!

My credit score is 711 at Exprian and no score for Equifax and Transunion, and I need a credit card, HELP? I need to establish myself. I live in Oklahoma City and intend to do some traveling. Experian gives me a score of 711 and 2 months history, but I have no Score from Transunion or Equifax, I don't want to bog down my score with inquiries. So can some one suggest a credit card company (that pulls from Experian preferbly) with instant approval, that will give my a unsecured, no sign up fee credit card? Thanks

I just paid off 2 credit cards. Do I leave them open or close them immediately to help my credit score? I wouldn't be putting anything on them. I was just told it can help your credit score to keep them open for a while and not put anything on them. I just wanted to make sure this was good advice, because I hear so much about people closing their accounts.

Does refinancing your car help your credit score or build your credit? I just refinance my car and lowered my interested and my monthly payment and I was just wondering, does refinancing your car help your credit score or build your credit?

Can an secure credit card really help increase your credit score? I'm trying to rebuild my credit, I heard secure credit card can help increase your credit score, so I'm just wondering if anyone know which secure credit card is good that report to all three credit bereau?

I was thinking of gettin a loan to pay help pay off and improve my credit score, is this a good idea? I read that pay on loan on time and paying them off right away is a good way to improve your creit score. I had 6 credit cards (Clout Visa, Citi Bank Mastercard, Kohl's charge card, Kay Jewelers charge card, Sears charge card, and a QVC charge card.) Now I only have two cards that are open at the present time(QVC and Kohl's). Both of my open cards are almost maxed out, Kohl's has lowered my credit limit due to delinquencies, but QVC is still the same limit. The other ones are closed, I paid off Kay Jewelers and Sears. On or around 9/14/06 my Citi Bank Mastercard will be paid off. The only closed card that will be left would be the Visa. Couple days ago I recieve a letter from TransUnion, basically stating that I could get a free credit report with them and I have 4 negative items in my credit report. I think the negative items are the cards that are closed. I have been focusing on one card at a time, while paying the minimum amout due on the other cards on or before the due date.

Can I obtain a home loan with a credit score of ? Would I be approved for a home loan with a 728 credit score and 10% down? The house is 130k. Just would like some opinions before any inquires are added to my report.

If I am making installments on debts that are already in collection, does that help my credit score any? I have medical, phone, and satellite bills that are in collection (about $2000 in all). If I start a payment plan for all of them and keep paying on time, will my credit score start to improve? Also, will it look better on any background checks that employers do on me? Should I just pay them off all at once?

Buying a new or used car with a 724 credit score? Well I am looking to buy a new or used car (Lexus). And well I have a credit score of 724, but with the credit freeze I am not sure if I can qualify for a reasonable interest rate. Would I need a co-signer or could they in house finance me with a good rate. I need help ASAP because I have someone that is ready to buy the current car that I have.

Will transfering my balance to a new credit card help or hurt my credit score? I need to refinance my house later this year but I have about $4,000 of debt on my credit card (17% interest). Should I just concentrate on buckling down and paying as much as I can before refinancing or should I open a new card with no payments, no interest due for x-months and transfer the debt and pay that off? My credit score 6 months ago was about 750.

I just bought my first home. Does this help my credit score right away? My credit cards are maxxed and want a consolidating loan to pay all off any chance with starting score of 614 after buying a home. Just mailed first mortgage payment.

Once a credit card is paid off, will it help your credit score to keep the acct open or close it out? I have been closing all of my accounts out once I pay them off, and my brother insisted that I stop that and keep them open even in I plan to not use it again. What is the best thing to do to increase my credit score?

need to have 2 open revolving credit accounts to build a credit score. having 2 secured credit cards help? i have a secured capitol one card. i always pay on time and keep a few dollars still on it. i have a car so do not want to get a loan and pay 25-29% on a car i dont need. since the bankruptcy i have gotten a really good job makin over 100k/year. i have managed to save bout 30k this year alone. i am just trying to mainly find ways to build and get a credit score goin. and would like to know if having 2 secured credit cards is a good idea?

How much do you think my interest rate will be on a used car with a 730 credit score? I am looking at getting a used 2008 Scion TC. I will probably have to finance somewhere between 15-16 thousand on this car and my credit score was 730 the last time I put a loan application into a dealership. That was about 2 months ago so I am sure it's the same now. What do you guys think my interest rate will be?

How to help your personal credit and credit score...? If my husband and I paid off our bad credit on our reports would this reflect on our credit score and report? Would this help to raise our score and would it be easier to get a loan?

Will a 597 credit score help me become a police officer? Hey, I'm just wondering if a 597 credit score will help or affect the decision of a local police department in which I'm applying for??

My credit report is outdated reflecting a negative score. Are there any companies to hire to help correct? I have a (really) bad credit score. I earned it in the late 90s (right after graduating college '97 - '99). Seven years have gone by but nothing has dropped off. I realize I need to start writing all the letters to the credit reporting agencies and get it updated and accurate. But I wanted to see if there were any companies out there that would write the letters and "fight the battle" to get my credit report updated and corrected. The normal credit repair companies are not really helpful as I am looking to have outdated items removed versus consolidation or payoffs. Any advice? Thank you!!

does paying a student loan help your credit score alot? i have a little student loan with 1500 left which i am paying monthly since september. does paying it help out my credit score by alot? or is it a spec on the credit rating system?

How do i improve my credit score? **PLEASE HELP**? My husband has been running our credit like crazy and it has lowered our score quite a bit....and we need a new car...can someone help me out???

What kind of interest rate can I expect with a 620 credit score, no derogs and only 2 credit cards? the credit cards have been open for about two years and i have nothing else bad on my credit score. i have a decent job and stable income. I am looking to get a car loan. And my credit used to be bad because I had collections accounts. Thankfully those have been paid and deleted.

how long does it take to get your first credit score HELP PLEASE? i had my first credit card since may or june how long does it take to get my credit score help please i need it to be at lease 700 so i can get my first apartment at least by march

Is it a good idea to leave credit cards open that you have recently paid off open to help your credit score or Is it a good idea to leave credit cards open that you have recently paid off open to help your credit score or should you pay them off?? Also if you have signed up for a store credit card recently and they added that money to your bill but you havent activated that card, if you have no intentions to ever use that card again should you even activate it or not???

When you first get approved for a credit card with no credit what is your beginning credit score? What is your beginning credit score before any purchases?

How long for credit report score to catch up with a new income? I have now got a good job after many years at University. Like most students, I had a overdraft and credit cards to get me through. I have never missed a payment. The thing is, how much time has to go by with my wage going into my bank to improve my credit score? Will I have to pay off smallest debt first then cancel them one by one for improvement?

What is the credit score needed to apply for a loan with Prosper? I want to apply for a loan to get out of this financial mess, does anyone know the lowest credit score that is accepted?

Does paying your car insurance bill on time help out your credit score? Does paying your car insurance bill on time help out your credit score?

Anyone knows more about this new Housing Bill? Does it help if you have bad credit score? Obviously, if you have gone bad on your mortgage payments, your credit score was affected. Will that record be erased to get you back on track with your lender? How about those who had gone bad with their credit cards (include Bankruptcy), will they get help to gain back their borrowing power? What are the hidden benefits under this new Housing Bill?

What is the best way to build my credit score with a purchase of a car??? I plan on purchasing a '07, '08, or '09 once I arrive back from OIF. Will my credit score increase faster if I put a large amount of money down and have small payments or if I put a reasonable amount of money down and have larger payments???

With the new FICO credit score, will a closed charged-off account as a authorized user affect my rating? I just found out from my credit report that I am unknowingly an authorized user on my parent's account, which has been closed by credit grantor and charged off since 2006. Will this have adversely affect my credit score with the new FICO 08 score? And how can I get myself removed as an authorized user from this account?

How can I get a mortgage with a 480 credit score? I have an average 480 credit score but a local lender told me I needed at least a 580 to qualify for a FHA loan (1st time buyer/low down pmt). My boyfriend (co-borrower) has a 700+ credit score and they still wouldn't loan us the money. Our income is decent and I have started cleaning up my deliquent accounts, what can I do to get into a house now?

"How can my credit score be 702 with a chapter 13 on it?"? I am finishing my 36 month payment plan in 2 months and my credit score is 702, I dont see how it can be that high with a chap 13 on it

how do you buy a house with a very low credit score and a foreclosure on it? i had a time share which foreclosed and brought my credit score down to a 505 is it possible to get a home loan with the foreclosure still on it if so how?

I need help raising my credit score in a hurry!? Will someone let me know what the best way to that is? I have a few small credit accounts with low balances ($200-$500), should I pay those off and close them out? Any other tips for raising my score would be great. I need to go from 570 to 625 in about 4 months.

how can i get a loan with low credit score? I recently had a baby and the prices have gone up the roof, the same as my credit card interests, payment that I am not making anymore. I own a home but I cannot get any type of loan because my credit score is really low. What can I do? I can barely pay the bills. What type of financial institution can give me a loan?

How can I improve me credit score to help with car refinancing? I bought a car recently and was given 15% interest, with a co-signer. Attempting to improve my credit beforehand, I got a Macy's card a couple of months ago, along with a Target card. I've also had a Student Credit Card with Bank of America for almost a year now. I didn't know that opening various accounts would make a negative impact on my credit, however. Does anyone have any suggestions on improving my credit, in hope for getting a refinance on my car sometime in the future for a lower interest and just a better credit score in general. I've just turned 19 and I would like to be informed of the ins and outs of credit score for a better financing on a house someday, also. I was thinking that maybe I should cancel my Macy's card or something but I've read some comments that this may be bad for my credit also so I don't know. Any advice will help. Thanks for taking the time to read (:

Credit score help??? My credit score dropped 36 points in the last month, and I don't know why. All of my accounts are always paid in full and on time. I have not opened or applied for any new credit in the past 6 months. I ran my credit report in late September, and noticed some negative items on my report that were incorrect. I contacted the credit bureau to dispute these items, and they were all removed. The credit bureau sent me an updated report in late October showing that the negative items were removed, and in November, my credit score is now lower. Can requesting a copy of your own credit report lower your credit score by that much? I would really like any insight anyone can provide. I have been working very hard in the last 2 1/2 years since my divorce to rebuild my credit, and my score increased over 170 points in that time, and now it is going down and I don't know why. I have done nothing that I know of to make it go down. Please help!!!! I don't want to pay someone to clean up my credit. My credit is fine. I pay all my bills on time, all the time, and my score has been going up. I just want to know why, if I don't have any new negative information on my credit report, why would the credit score go down?

Credit Score - Help!? I am a newly wed and my husband and I both have some issues with our credit. Both of our credit scores are in the 500 range. I recently pulled our credit reports so that we can start paying off our debt and increase our scores so that we can have a better score for our future and progress towards things such as a house, car, etc.. My question is how do I know which accounts to pay off first. We have a game plan of how much we are going to put towards paying off our old debts each month, but don't know how to choose what to pay off first. Please help.

credit score issues please help? I had a 750 credit score, i went to buy a car and a ford dealership sent my app to 15 different companies that all ran my credit over a few days now my score is a 683 can i do anything to help or to get my score back up quickly???

So Confused about Credit Score please help? I recently paid off all my credit cards except 2 which I am keeping at low balances. I did a credit report from transunion.com and it listed my credit score as a 718 which i thought was great but then when I clicked more info it said a credit score of 718 was equivilent to a C grade and that I should expect to pay higher interest on loans. I'm 20 years old and have established credit (I went through a period of crazyness and jacked my credit card debt up to 8,000 bucks on multiple cards- I have never been late on payments and always paid more than the minimum) now that all the debt is paid off I think that I should have great credit....someone please help me understand!

Car loan help credit score? AMEX help credit score? Please HELP!? I have 10 revolving & 3 installment accounts listed, 0 mortgage & 0 other {no student loans, no car loans, etc}. All 13 of my accounts are in good standing. Only 4 of the accounts are open accts & 9 are closed… with 0 currently past due & 0 negative account history. I’ve had 5 inquiries in the last 12 months. I have 4 credit cards – 2 Visa’s, 1 Mastercard, 1 dept store...totaling to $6590 in avail credit. Im never above $3400 used (abt 50%) I was recently sent an approval for an AMEX green charge card. I have heard they are hard to get, & was considering getting it (only bc I thought it might ‘look’ good)... Wouldn’t charge much tho since it must be paid in full. My question: I’ve never had any long term debt (ie student loan, car loan, mortgage)… should I co-sign on my fiancé’s car loan that he just opened? Will that raise my credit score since its long term debt (& YES it will always be paid on time)? Plz help! Score is 720 now, want 770 in 1yr! Will the AMEX 'look' good? Ben - I dont have an issue w/ debt.. Millionster - Thanks for the information, hopefully someone will see this and it'll benefit them. I am already practicing those tips... I am able to pull my credit report daily w/ a small monthly fee, I pay everything on time, etc. But again, thanx for the pointers. *~*I am not going to take on the car loan. Now Im just really curious about the AMEX. Im closing out one of my Visa's soon (Its a CapOne card; I've had it since '04, but its a 'starter' card in my eyes...lower credit limit & I hardly use it). Any other pointers? THANX GC: He actually can get credit on his own... he already has the car & the loan. I was just considering co-signing to help MYSELF out... His credit is perfectly fine. THANKS EVERYONE!

New credit cards? Do they help raise score? If you have had bad credit in the past how much does it help to get two new ( within the last year ) unsecured credit cards? Does it raise a persons credit score just by getting the cards? How many cards should a person have? And yes, I know they need to be paid on time, that is not an issue now... But looking to improve my credit. Thank for the advice in advance. Also is Capital One a good credit card company to have to raise scores?

Help finding an auto loan with low credit score? i have 601 as my credit score. i am 22 and had a couple credit cards go to collections which i eventually paid off,and is on my credit report as delinquent.charge off. i finished paying the last collected credit card off this past february. i now have one secured card and one unsecured credit card to help me re-establish credit. i just got qualified for another credit card to help add more credit history and more open accounts to my credit report. they are all minimum amounts of 300. i'm looking into getting an auto loan for a vehicle. my current vehicle is currently worth 3 grand. i need about 8 grand more. to pay off my student loan and receive the vehicle of my choice. i understand my interest rate will be high with my low credit score. are there any places that are legitimate that i could actually get qualified for an auto loan through? ive heard about credit unions and dont know much about their auto loans. do you have to be married to get an auto loan through them?

my credit score is 579.how is it that i cant get a lender to help me get a small house? that cost under,100,000.but i know of people who arnt legal who have one,the lender that i had told me to get a credit card all i need is 120 more points then he can help.he said with my credit like it is i should have no trouble geting one i tryed and they keep deniang me one,he also didnt tell me that for everytime i try to get one my credit score is getting worst.

Does this help your credit score? If you get something in the mail to "settle" the money you owe a place, does settling help your credit score? I got something that if I pay 60 per cent of what I owe, they will consider the matter over. But when it comes to my credit report, will this help? I swear, a very long time ago someone told me it doesn't help because something bad still goes on your credit report so you may as well just owe them the money. I know that sounds dishonest but that was what I had heard. That if you accept a settlement offer, your credit score does not improve and it is the same as if you still owe them the money as far as your credit report goes. Which is true? Please help!!!!!!!!!!!!!!!!!!!!!!!!!! Thank you.

credit score below 520 and in need of a loan can any body help? i am in need of loan and my credit score is below 520 due to a divorce I am a single mom with 3 small kids I am looking for some lender that can help me I have no money to pay out and prosper my credit is to low can any body help. Thank you

Installment loans help credit score? I am trying to repair some of my credit and heard that taking out installment loans, which only be to pay for my credit debt and paying off the loan before it's due will help out my credit score. has anyone ever heard this and does this really work, i need to build my score quickly within the next 6 months and pay off bad debt.

Bad credit score...Help!? Last year I became sick and had to relocate to my parents home which caused me alot of financial strain. I am still working for my company but it took me a long time to start making a regular paycheck. I recently saw my credit score and it was "438" agggggg!! I was hoping to one day buy ahouse and this was a terrible blow. I do understand my tardiness on paying my bills would affect my credit but how do I fix it! Can someone help!

Will refinancing help credit score more now than later? We have an first arm that is fixed at 6.5% for the next year. with a payment of 555.00 month, 30yr term. A 2nd with 11% pay of 205.00 month with a balloon due in 20yrs. No escrow. We have less than perfect credit at this time, old stuff nothing in last 4 yrs. Currently being offered 8.9% for 40 yrs. with pay of 911 monthly. Loan guy says that in a year this will help credit score go up and qualify for better loan. My ? is why not wait for the next year while the pay is only 760. then get refinanced? Why waste money on a loan that will need to be refinanced anyway? He says this will help score. What to do?

Denied Credit due to no credit score help.....? I applied for an Amex for students. I have a checking account and I am a part time student and take in $8,000 - $19,000 a year. I was denied because they said they could not locate a credit score from equifax and the other major credit bureau. I am not sure what this means help please!!!!!

Credit Questions What WIll help my FISCO Score? I have 3 credit cards 2 are active and one i have canceled. The canceled one has a reate of 8% ish with about $3,500 on it. One has a 10% rate with like $6000 on it and one has 12% with $4,000 on it. I want to get every thing under control. Do you think if i went to a bank and rolled it all into one loan with one payement and paid off my cards and still kept them open (to help my credit score) and never used them will this help my credit or keep it about the same?

Will refinancing help my credit score? My score is less than 500, we would like to move in the next year? This is my situation, right now my rate is 7.something% fixed. My credit is horible, under 500. I was wondering if refinancing(we have someone that'll give us 9.99% for 2yrs,then refi or buy) will help out our credit score so that we could by a bigger better home within the next year or so. Please help, thanks

First time renting with credit score of 592, college student, Help!!!? I'm going into my 2nd year of college since I'm done with my basics but I am transferring so I am looking into renting my first apartment, I was victim of identity theft before I turned 18 so now I'm having to rebuild my credit and its at 592 since I only have one credit card and one student loan which I've paid perfectly. Shows on my credit score perfect for over a year with good payment. Please Help!! Will this affect me from renting?? I'm looking into this one apartment and I've saved up enough to pay first months rent, deposit and last month of rent also and a little extra for bills for about 3 months. Any Help Greatly Appreciated! :-)

I need some help understanding my credit score? when you pay things off your credit I know that they stay up there for 7 years, but by paying it off does it really help you?, cause everyone can still see that it's up there? and does it help my credit score out any when i pay these things off? HOW DO YOU GET POINTS ON YOUR CREDIT SCORE? THANKS

I am trying to raise my credit score.. Help? If in an attempt to raise my credit score, someone is willing to add me to their loans or credit cards to add good trades to my credit report...will this help me...and will it hurt their credit???Please give me supporting info

I have fantastic credit, but my girlfriend has lousy credit. What can I do to help her improve her score? While I am aware that there was a time when I could add her to one of my various credit cards and it would immediately improve her score, it seems that this is NOT the case anymore (the credit scoring companies got wise to the fact that people were leasing out their cards to help others improve their scores). So, now that this is no longer an option, what else can I do to assist her? My concern here is that we will marry and it will damage my great credit (804 FICO score), which is crucial as I will be buying more real estate in the next few years.

help in repairing my credit score? i need help in repairing my credit. i am 21 and i have several collection accounts and i do not think that all of them are actually mine. i also just recently got a voluntary repo but i know they still consider that the same as a regular repo. the repo was in april of 07. my credit score is in the low 400's. I need help to repair and do not know where to start

Need Help Getting Credit Score Up? i just turned 18 a month ago and i want to establish a credit score. here is the problem.. i am currently unemployed but my brother wants to help me out. is it possible? and how long will it take before i can lease a new infiniti g35 or co-sign someone?

Does refinancing your car help your credit score or build your credit? I just refinance my car and lowered my interested and my monthly payment and I was just wondering, does refinancing your car help your credit score or build your credit?

Will balance transfer help my credit score? I recently applied for a card and was approved that will give me 0% on balance transfers through 5/08. I have not used this card to make any purchases, and it has a $0 balance. The limit on the card is sufficient enough for me to transfer my other 3 card balances, have them paid off, and still not be maxed out on the card I am transferring to. My question is: Will it look better on the credit score if I have 3 cards near maxed out that have been established and one new one with a high limit and $0 balance, or have 3 established cards with a $0 balance and one new card with a near maxed out balance? That is my question going into the transfer, if it would help my score to have one card with a high balance and 3 with none...

Will this help my credit score? I have a verizon cell phone account I opened in 03 and had shut off later in 03..I still owe like 173$....They told me I can pay 100$ and do so in 4 payments of $25...when I do this will it help my credit score raise?

Help! How can i bring my credit score up to par? My student loans are in deferrment and it has brought negative marks to my credit score! My score has gone down dramatically (53 points!) Would it help any if i made payments on the interest at all? Or what would be a better solution? Thanks:)

Help!! I have 12, 000 in unsecured debt, credit score 655....what are my options?? I would like to somehow combine all of my credit cards into one or get a loan so that my payments would be less. I am currently paying a little over minimum payments because I cannot afford to pay anymore. What options do I have that won't affect my credit negatively. I don't have any late paymets, just two paid collections from 2004. My credit score is low because I am using so much of my available credit. Help please!!

Will a paid in full Car Loan Help My Credit Score or do nothing for it?? I have 2 paid in full car loans on my credit. I havent checked my credit lately. I was wondering if it would help my credit score rating go up or does it not effect it at all??

Can i get a car with my credit score? PLEASE ANSWER!! no1 answers my questions!!? First off, I know I am getting a 2008 Scion TC-- I am not asking for opinions if I can afford it etc. I do not have much of a credit score, I have only had a credit card since September 2007 and have only had one late payment, on fault of the company. Would i be able to finance a car? Also, around what precentage would my APR be? I would get a co signer, but I do want to build my credit and both my parents do not have amazing credit either so it would not make much of a difference. Any help? oh yeah- i am putting down 5500-6000 for a down payment, if not more. Also, I can prove I can afford the car that is no concern. My only concnern is I want to build my credit and try doing things on my own! I did this is Scion.com i built the car how i wanted for just less than $20,000 then put my credit as fair (as if i had a co signer) and the interest rate was around 10%. I am sure i have SOME credit, and i dont understand why it would be BAD credit, it just isnt ESTABLISHED credit. Both of my parents have offered to co sign, and i could easily afford $400 a month on a car payment.. not including what i would spend on gas and my insurance is paid for. The reason I want a new car now is so I can have something reliable or more reliable than what I have while I have no bills to pay no expenses at the time other than a car. I am not dealing with another used car! My main concern is my mom in 2006 bought an 06 altima and my dad just bought a 2008 harley, so they were not sure if the could co sign so soon after buying theirs....?

Please someone help me, my credit score is ruined from fraud? Can someone please give me advice as to what I should do? Here's my problem: In August 2006 I tried this thing called 'WhiteOvernite' as a sample. I only paid shipping/handling and that was that. Over one year later (Oct 2007), I received a letter from a debt collector stating that I owe $176 for the product I used. I was stunned...what is going on? Recently I tried to get a loan for a used car and I was denied because of a 'delinquency' on my credit report. Sure enough when I checked it, there was $176 charged as delinquent. Please help me, I've had an impeccable credit score until now. This fraud has cost me my credit score, what should I do?? HELP 1) Yes I checked Experian. 2) I've already sent in a dispute to Experian and to the Attorney General's Office via email. 3) I used my credit card for the shipping, so I figured if they were to try and charge me they would have done it through my credit card. But instead they went straight to their debt collector.

Please help me with advice on how to improve my credit score!? My FICO score with equifax is 617. At this moment i have 2 revolving credit cards, 2 paid collections (1 year ago), 1 rrsp loan ($5000) 2 student loans that I am not paying because i am at school. How bad is my score and what type of credit I can still get. How long do you think it will take for me to reach 700 points if I keep my balances low and make all payments on time? Thanks for answering my question. I know the score is not too bad, but as it stands now, i can only qualify for store charge cards. How many points do you think i should have before I can even start thinking about applying for a regular credit card?

I desparately need $7500.00 with a horrible credit score.. Nobody will help...Does anybody know anyone? With a horrible low credit score, I am unable to get any kind of loan except for payday loans at 600%... I'm in desparate need to pay those loans off and to pay off other debt at a normal interest rather than a "Guido's Garage Rate"....Need help desparately

Is there any effective service that can help to boost up my credit score with a short period? Your answers are appreciated greatly. I just need 30 or more points on my score to meet home refinance requirment as soon as possible. I never had any kind of late payments nor collection type. According to the banker, I just had too many accounts opened.... Please help. Many thanks in advance:)

do pre paid cerdit cards help the persons credit score? because since they are a pre paid method i dont think that they would help at all with increasing a persons credit score would they?

Does paying your auto insurance bill on time help out your credit score? Does paying your car insurance bill on time help out your credit score?

2/17/07 I went to see about getting a car, please help me about my credit score.? So on this past saturday the 17th I went to Quality Suzuki and saw a nice 2005 Dodge Neon, after being molested with offers I decided no because they never once gave me the price of the car, they always estimated it was 8000 "or so" so when they showed me the rough numbers it came out to 14000! after tt&l and of course I was like OMG. So he told me well these are just rough numbers, I can run your credit to see the exact payments etc... So i filled out a credit application, my 2 scores were 656 and 650, will my scores go down since I declined thier offer for the car? Also I found a better more affordable car at Red McCombs and I was thinking of filling out the credit appliction online just to see if how well I get financed. Will either of these hurt my score much if they are less than a week apart? I heard that I can check several places within 14 days without it showing as several but only 1 inquiry on my credit report. Please help me. Yes I do have a bank, its Frost Bank and Ive been with them since August of 2005, when i started college. I just didnt know the situation about running credit app. with lowering points. So I should get pre-approved for a loan from my bank first? Should I wait for my next credit score update? The one he gave me was slightly incorrect because that friday night before I had paid my credit card 650$ so maybe my score would be higher if I check it in a couple of weeks? Also I am getting my laptop put in my name this week (my father took it out for me) and It will be on my next credit report when they check it, so should I just wait a couple of weeks till the adjustments go on my credit report/score? Well Ive found a nice 2002 Kia Spectre for 4595 at RedMccombs.com and well I have 2000 to put down on it and I can afford at the most 250 a month but I really want 200 or less a month. I can pay off this car in less than 2 years, because next imcome tax i will put down another 2000. So what should be my next move? get that preapprove loan for what 5000? Or should i wait till my credit report is updated with so many changes? Also this Kia has 65000 miles which is good based on 15k a year.