Posts Tagged ‘credit score’
why isn't my score going up from a best buy card?
i got a best buy card last february thinking that this will help my really bad credit score. i was told that after six months it would hit my credit in a good way but my score is still the same. i am also in the process of paying off all of the debt collectors. will the best buy card boost my credit score AFTER i pay it all off? what should i do?
What is the best way to Improve my Credit Score.?
My score is 658 now. I have 6 open credit cards with about 20,000 balance. I do make all payments on time every month. I want to raise my credit score to above 700 level. I am in the process of refinancing my mortgage. Please Help.
CREDIT CARD HELP! i never had a credit card and i need help to know how it works.?
I am 18 years old and i never had a credit card before. i need to start building my credit score and i think i need a credit card to do that. My older sister built her by paying off her new car but i cant do that because my car is paid in full. I am a student (starting freshman in college) and i make about 8K a year working part time. What is [...]
What is the best and fastest way for my husband to raise his credit score by 40 points?
We want to refinance to lock in a fixed rate. (and possibly pay off around ,000 in credit card debt- but that is not necessary) He has a few late payments on a couple smaller balance accounts that are screwing up his credit score. My credit isn't that great either, plus I don't work (Stay at home mom) We owe 0,000 on our house and it's been [...]
Secure Credit Card to Improve my credit score?
I have a bad credit score and am in the process of fixing it. One of my credit account was closed due to the change in their ownership, and now I only have an account with 0 limit and hurting my overall score. I am thinking about getting a secure credit card with perhaps 00-00 deposit. Is it a good idea? What happens if I want to close the [...]
What strategy will hasten the credit building process for an authorized user on an Amex gold card?
My bro added me as an authorized user on his amex gold card so i can build up credit. I was wondering what is the best strategy to take with this card seeing that it is not a revolving account but rather an open account. I have confirmed that the card can be used as a vehicle to build credit, . I have also been dutiful in paying off recent [...]
What is the best chance for a person new to credit to get approved for a card or loan?
I'm 23, not currently a student (so I can't apply for student credit), I co-own a business, I don't own a home or a car, my credit score is 704 (on Transunion), I have one store credit account with Macy's (limit 0) and one credit card which I opened with Best Buy (limit 0). Both of them are currently paid off. I opened the Macy's account in [...]
Is it a bad idea to apply for a credit card while in the middle of a mortgage refinancing process?
I have a high credit score (760), and was approved for my bank's best rate. The refinancing process is taking awhile, and I would like to get a better rewards card than what I have. Would it be a bad idea to apply for a new credit card before the refinancing closes?
Where can I get a credit card or line of credit as an individual (24) or small business quickly. I was turned?
down by Bank of America because I have moved too much recently but have a good credit score.
Difference between personal and small business credit?
Do credit bureaus differentiate between personal and small business credit scores? If so, does building up a small business credit score encompass the same practices as building personal credit? If one has a personal card with a particular creditor, then open a small business, would that creditor use any of their payment history/credit lines as [...]
Is there a difference between secured and unsecured credit cards ON YOUR CREDIT REPORT?
I know the difference between the two cards, but I want to know if there is a difference between the two on your credit report. For example, would it be more beneficial to have an unsecured card for your credit score? Or does it not make a difference which card you have?
what is a good unsecured credit card to get after you file bankruptcy?
I need a relaible card with a high limit, low annual fee, and low APR but that is unsecured? I filed bankruptcy a year ago and want to work on getting my credit score up???
Small Business Loan Or Line Of Credit?
I have a small business on eBay and I would like to purchase more products. I applied for a Business Line of Credit at Bank of America and I was denied. My credit score is between 690 & 710. Is there another bank or easier way to get approved for a loan?
Can I get an unsecured credit card or a department store card with my credit?
My credit score from all 3 credit bureaus are in the 500's. Can I get unsecured card? I've tried First premiere and Capital One.
Should I add my wife to my credit card?
We are trying to get ready to buy a house in approximately 6 months. Her credit score is moderately low (575 or so last time we checked), mine is upper 600's. We currently have a joint credit card, but I also have another credit card, and two 'in-store' credit cards (Best Buy and Guitar Center). My credit card has a limit of ,000 and a [...]
What is the best and quickest way to improve your credit score?
My credit score is just above the mid 550's. I made some mistakes with credit cards, and they have gone to collection companies (6 cards). I am in the process of negotiating each of them down and paying them off, but my score will not go up by this since these accounts were written off. What is the best and quickest way to improve my credit score? [...]
What are the best credit card companies to keep?
I am in the process of calling my credit card companies and doing a payoff/settlement with them directly. If I do a payoff/settlement, then does that close that credit card account? I want to keep at least 1 or 2 of my credit cards for an emergency and to rebuild my credit score. If I have to close the account when I do a payoff/settlement, [...]
Which credit card is best for building up a bad credit score?
I have A LOW credit score. I am in the process of paying off debts to try to repair my credit. There are numerous credit card offers that claim guaranteed approval for a fee. Iwould like to use any tactic available to help buildmy credit. I am however affraid to fall victim to the "SCAM". Does any one have a possitive experince or [...]
Mortgage Loan Refi?
At what point in a 30-year mortgage does it make sense to refinance? Is a refi based on equity in the house or is it based on another factor? After a br, when is the time to refi? What credit score is minimum to refi? Mine is over 650. Also, my property has increased in value, there's new construction, both commercial and residential, near my [...]
Where is the best place to go to get a commercial real estate loan?
I am looking to start a bar in Chicago, IL and I know the building that I want to acquire. I have a partner who is able to put 0-400K into the project but the building itself will cost between 0K-M to acquire and will require anywhere from 0K-200K to restore and convert. I would like to know the best place to go for a commercial real estate loan [...]
