Will applying for a personal loan affect qualifying for a mortgage?
We payed off almost all of our credit card debt but now we need a personal loan to pay off student loans and do some repairs on our house. We would like to buy another home soon so we will be applying for a mortgage. Will getting this personal loan affect our ability to qualify for a mortgage for our new home? Our credit scores are excellent right now. We need professional advice. Thanks.
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Could I rebuild my credit without getting a car loan?
If I file for bankruptcy, would I be able to rebuild my credit without getting a car loan? I want to purchase a car without a loan so I can just get liability insurance. I have a student loan and two credit cards that I’m planning to keep to help rebuild my credit. Will this get me to a credit score of 700+ after 2-3 years of paying on time?
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What credit card can I get at 18 and not a college student?
I always thought that lenders love to give credit cards at 18, but I’ve tried Capitol One, Chase, a QT credit card, and a Best Buy one. All of them denied me because of no credit history. Obviously, I won’t be able to get a credit history if they won’t let me have credit. I Work two jobs and I want to have a credit card just in case and to build my credit. Why do I keep getting denied?
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What effect does canceling a credit card have on your credit score?
Say you are in good standing, never late, always payed the balance, but you have too many credit cards. When you cancel a credit card, what happens to your credit score? Does the credit limit you had for that card get erased from your credit report? After all those years of building the credit limit to help your credit score, what happens to it and what happens to your credit score?
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How should I start fixing my credit?
I have been ignoring my credit problems for years. I have decided that it’s time to start doing something about it because someday I would like to buy a house, a new car etc…
It is mostly credit card debt but there are a couple of other small debts. About 60% of the negative items on my credit report is around six years old. The rest of them are about 1 year old.
I know that when you pay collections off it will drop your score. I am ok with that if it will improve in the long run. Should I pay off all of them? Are negative items removed after seven years anyway?
I have two credit cards that are in good standing and I know this will help my credit score also.
What is the best way to repair your credit? I am overwhelmed and I just don’t know where to start. Also should I try to negotiate with the collection agencies? Do I need everything in writing from them?
Is there some good books I could read?
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How to get creditors to report account information to the credit bureaus
I got my credit report today and it shows that my available credit is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit and all of my credit cards hadn’t been reported since April. How can I contact the credit card companies and get them to report accurate and up to date information to the credit bureaus? I think that this might be affecting my credit score, so I would really like to fix it.
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Does your credit score go down when you apply for a credit 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 credit card accounts a few years ago 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 hurt my credit in the short term? And how long will the point drop last?
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Can debt consolidation reduce interest charges?
I have two credit cards that I have used over 5 years ago and never paid back. The total of the two cards FIVE YEARS AGO was $1000. Of course, by now, it should be close to $3000 because of all the interests.
What does debt consolidation do? More importantly, can it REALLY remove or reduce the interest that built up over the last 5 years?
When doing a search for debt consolidation services, I get THOUSANDS of results. Which debt consolidation services are better?
Detailed answers would be appreciated.
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How high can my credit score go with 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 absence of installment loans 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?
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How can I get a personal loan when I have bad credit?
How can I get a personal loan after I have gone through a settlement for credit cards. I have a bad credit rating and personal loan applications have been rejected a few times. Is there any BANK or any ORGANIZATION who will give a personal loan which can be return in EMI with less interest rate?
Please provide solutions which can be used in India.
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What is the best site for Christian debt consolidation? Is it better than regular debt consolidation?
I have 3 different credit cards that now have over 20% interest rates because I was late on one payment. I have heard that Christian debt consolidation might be a better option than regular, but I want to make sure I select a company that is reputable.
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How will closing unused accounts affect my credit score?
I have 2 credit cards on my credit report that I have never used. I’ve heard that the less credit you have available the higher your score will be (less cards equals less credit to max out on). But I’ve also heard that if you close accounts it lowers your score. Should I close them?
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Will paying half my debt help my credit score?
How much will my credit score increase if I were to pay off 50% of my credit cards within a 2 month time frame? My current credit score is 568 and I’m hoping to increase it to 700 
I’m planning on getting a car by the summer and I want a great credit score…
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