James M asked: about a year ago i opened a secured card. i gave the bank $400 and they gave me a card with a $400 limit. I have had perfect history with it, never overdrawn and i always pay the whole balance off within a month. after 10 months they refunded my $400 so [...]
Maurice R asked: Ok, I had a credit card once and i missed a few payments. HOWEVER, i paid it off. It still shows up on my credit report..how can i clean this up? now when i apply for a card anywhere i get turned down. How do i fix this?Kathleen
SlevinKelvera asked: When we first got our home we had to put all four memebers of our family (Parents, me and my sis) on the mortgage. But now we have a chance to refinance our home at a lower fixed rate. I was wondering if my credit score will be affected if I got my [...]
David Pit asked: A credit rating is a numerical depiction of your ability to payback debts, based on your financial history. This can often be the single most powerful three digit number affecting multiple facets of your life. Your FICO rating (Fair Isaacs Corporation) is oftentimes considered by most sleuths as the accurate portrayal of [...]
Emmy Y asked: I recently checked my credit score online and it went from good to low because my credit score was merged with my sister’s. Her medical bills, her credit cards, and her school loans are now in my credit report. I stopped by at the social security office thinking maybe our social security [...]
Viki asked: I’m pretty sure that right now my credit score is being negatively affected by my debt-to-available-credit ratio, since I have almost maxed out my main credit card. However, I can fix that right now, and pay off almost the whole thing in one fell swoop with some cash I’ve saved up (it’s kind [...]
David Pit asked: A popular joke among people with a less than perfect credit score is that Santa Claus, the tooth fairy and a man with a credit score above 800 were walking on the road and as they were strolling they chanced upon a $100 bill. But nobody picked it up; why you wonder? [...]
Mike asked: me and my wife are wanting to get a house, my credit score isnt very good (560) but hers is like 720. How do banks figure out how to handle a mortgage when the husband and wifes credit score are so different? i have been working to fix mine but we are wanting [...]