Jp Burkhart asked: The time to start being concerned about your credit score isn’t when you are about to apply for credit. At that point, there is nothing you can do to change your current score. Your concern and efforts to ensure that you have an excellent credit score should be an ongoing process.If you [...]
ShonnyBoy asked: With there being so many myths about fico score ratings that are just floating around and most of them are just outdated information. Even lenders can give you the wrong advice, which can get a little confusing. But the truth of the matter is that bad information can cost you money no matter [...]
Meg F asked: I got into debit in college and have been getting collection notices. I know what I owe and I am going to take $500 per month to pay off one thing at a time. I have figured it should take me 16 months. I am getting married in a year and really [...]
Credit Monster asked: The first thing you need to do in order to improve your credit score is to find out what information the credit companies have in your account. Once you have all the information you can devise a plan on what to do to increase your score. There is no better place to [...]
Dr. Rockso asked: I think my credit score is funked up. I used to own a house and I missed a payment or two when I was laid off from my job. I sold it and I paid off all my credit cards. I recently applied for a credit card and was denied. I need [...]
Multiplexmovies asked: Ok, now I’ve contemplated this question for a little time now, and what I don’t understand is there’s a rather large flaw in this statement, ok from what I understand, your average joe or jane on the street doesn’t have the best of credit scores, typically anyone who’s not rich, or could afford [...]
Ryan asked: There are 5 main things that affect your credit score. Some weigh more than others, so if you are working on improving your credit score, you want to first focus on the areas that will have the biggest impact.These five things, in order of importance, are:1. Your Payment History (35% of your score)2. [...]
Stuart Hunter asked: According to Bloomberg News columnist John F. Wasik, a credit score of more than 750 typically means you will be approved for the lowest finance rates on loans for homes and vehicles. A credit score less than that could force you to have to pay higher interest rates or get approved for [...]