Credit Questions and Answers

Which Major Credit Bureau Is Most Commonly Used 
Which of the 3 major credit bureaus (TransUnion, Experian, Equifax) is most commonly used by creditors?

Where Can I Get My Credit Score For Free 
Where can I get my credit score for free? I am referring to the actual FICO score that lenders use.

What Makes Your Credit score 
What actually makes up your credit score? Are certain things weighed more heavily than others when your score is calculated?

What Lowers Your Credit Score 
What lowers your credit score more than anything else?

How To Find My Credit Score 
Can someone tell me where to find my credit score used by lenders online?

How Do You Raise Your Credit Score 
How do you raise your credit score at all 3 credit bureaus? I have noticed each one gives you a different FICO score. How do each of the credit bureaus ...

How Long To Improve Credit Score 
How long does it take to see improvements in your credit score once you begin to pay off credit cards one by one?

What Is A FICO Score 
What is a FICO score actually created from? Is there an actual equation used to come up with it that the average person can use themselves to determine ...

Credit Cards For People Who Filed Bankruptcy 
I am looking for credit cards for people who filed for bankruptcy. I wanted to find which credit cards have the best chance of being approved even with ...

How To Remove Inquiries From Credit Report 
I am trying to figure out how to remove inquiries from my credit report that I know are incorrect. The credit bureaus do NOT seem to be much help even ...

How To View Credit Report 
Where is the best place to view your credit report? A place that really explains why your credit score is what it is.

Judgements On Credit Reports  Not rated yet
How long will a court judgment against you stay on your credit report?

Difference Between Banks And Credit Unions  Not rated yet
Can someone please explain to me the difference between banks and credit unions?

How Often Do Credit Reports Update  Not rated yet
How often do credit reports update? If I pay off a loan or debt this month when will it be shown as being paid off on my credit report?

Good Books About Credit Repair  Not rated yet
Can anyone recommend any good books that deal with credit repair?

Removing Negative Items From Credit Report  Not rated yet
Are there any effective ways to get negative items, like a couple of late payments, off my credit report before 7 years? I think 7 years is way to long ...

Credit Reports And Late Payments  Not rated yet
How long does a late payment reported to your credit report stay on your credit report?

Fair And Decent Credit Card Companies  Not rated yet
Are there any credit card companies that actually have fair and decent policies to help customers that are having financial troubles, or are they all just ...

Age Required To Get An Auto Loan  Not rated yet
At what age can a person legally get an auto loan?

Benefits Of Store Specific Credit Cards vs Major Credit Cards  Not rated yet
Why would anyone use a higher interest rate store specific credit card over a major lower interest rate credit card from VISA or Mastercard? I just never ...

Best Credit Card Rewards Programs  Not rated yet
Which credit cards do you feel have the best rewards programs for their consumers?

Credit Score Difference Between Many Credit Cards Or Just One  Not rated yet
Does it matter if you have one larger credit card balance or many credit cards with small balances; when it comes to your FICO credit score?

Reputable Credit Repair Companies  Not rated yet
Is there really any such thing as a reputable credit repair company, or are they all scams?

Debit Card vs Credit Card  Not rated yet
Is it better to use your bank VISA card as a debit card or credit card?

Best Way To Lower Credit Card Interest Rate  Not rated yet
What is the best way to get a credit card company to reduce your interest rate?

Approved Credit Card Lowering Credit Score  Not rated yet
Does your credit score go down when you are approved for a credit card?

Credit Score Needed For An American Express Card  Not rated yet
What credit score do you need to obtain a typical American Express credit card?

Will Closing A Credit Card Hurt Your Credit Score  Not rated yet
Is it true that you should never actually close a credit card because it will lower your credit score?

Car Refinancing Credit Question  Not rated yet
Is it possible to refinance a car loan. For instance, extending the months to pay off the car loan in order to lower your monthly payments?

Medical Bills And Your FICO Credit Score  Not rated yet
Are medical bills used when calculating your FICO credit score?

Getting A Student Loan With Bad Credit  Not rated yet
Is it still possible to get a student loan if you have a bad credit score? Will the interest rate be much higher than someone with a good credit score?...

Average American FICO Credit Score  Not rated yet
What is the average American's FICO credit score?

Bankruptcy vs Debt Settlement  Not rated yet
Does a bankruptcy hurt your credit score worse than entering a debt settlement program in the long run? Is it possibly better to just start with a clean ...

What Happens With Credit Card Collections  Not rated yet
If my credit card goes into collection what actually happens?

At What Age Does Your Credit Score Begin  Not rated yet
At what age do you actually start to have a credit score applied to your name?

Loan Modifications And Your Credit Score  Not rated yet
Do loan modification programs end up hurting your credit score?

Employers And Credit Scores  Not rated yet
Why are employers allowed to look at your personal credit score when they interview you?

Debt Reduction Company Reviews  Not rated yet
Does anyone have any experience using a debt reduction company? Are they all just scams or are there some legitimate ones?

Getting A Creditor To Remove A Late Payment  Not rated yet
Is it possible to get a creditor to remove a late payment from a credit report? Is there a good way to go about trying to get them to remove the item?...

Highest Possible Credit Score  Not rated yet
What is the highest possible FICO Score? Does anyone ever actually have that score as well?

Unsecured Credit Card With Poor Credit  Not rated yet
Where can I apply for an unsecured credit card with poor credit?

Bank Account Credit Score Question  Not rated yet
Does opening a bank account affect my credit score? Or is it only if you actually open a line of credit?

Problem Getting Approved For A Credit Card  Not rated yet
My credit score is good (690), but I still can not get approved for a new credit card why?

Great Ways To Budget Money  Not rated yet
So does anyone have a great way to budget money? I think I am addicted to using credit cards, and I know it will get me into trouble eventually.

Credit Card Without A Job  Not rated yet
Is it possible to get a credit card without a job? I have a lot of savings, and I was looking to get a credit card with a lower interest rate while I ...

How Can I Improve My Credit Score Fast  Not rated yet
How can I improve my credit score fast? What steps do you think improve your score the quickest? How long does it usually take to see improvements in ...

Where Can I Get A Free Credit Score  Not rated yet
I noticed that there does not seem to be a place to obtain a free credit score that is used by lenders. Why is that? I think you should be able to get ...

What Your Credit Score Means  Not rated yet
What does your credit score mean in relation to your job? I think it is unfair that employers are allowed to view your credit score when applying for ...

What Affects My Credit Score  Not rated yet
What affects my credit score the most?

How Good Is My Credit Score  Not rated yet
Is a score between 680-700 still considered a good credit score. What is now considered Bad? Good? Fair? Excellent?

How Do You Improve Your Credit Score  Not rated yet
How do you go about improving your credit score? Is it better to pay down credit cards or items like car loans?

What Effects Your Credit Score  Not rated yet
What effects your credit score other than debt? Are things like your age? sex? ethnicity? ever considered when your credit score is being calculated?

How To Get Your Credit Score Up  Not rated yet
So how do you get your credit score to go up? I am talking about someone who has no late payments or anything else bad reported, but a score that just ...

How To Get A Better Credit Score  Not rated yet
What are your best tips on how to get a better credit score? Please share what you think gives you the biggest boost in your credit score.

How Long Does It Take To Improve Your Credit Score  Not rated yet
How long does it take to improve your credit score after a Chapter 7 bankruptcy?

How To Rebuild Credit Score  Not rated yet
Looking for tips and ideas on how to rebuild my credit score? What is the best thing to do first to see some quick improvements in my credit score?

How To Improve Your Credit Score Fast  Not rated yet
If you could do just one thing what would you do to improve your credit score fast?

How To Fix My Credit Score  Not rated yet
Wondering how to fix my credit score after a foreclosure? What are the best steps to restore my good name again?

How Long Does It Take To Raise Your Credit Score  Not rated yet
How long does it take to raise your credit score after a fully discharged bankruptcy?

How To Get A Good Credit Score  Not rated yet
So how do you get a good credit score right out of high school when you really have no credit history?

How To Get A Free Credit Score  Not rated yet
Is there anyway to get a free credit score without subscribing to one of those television commercial products?

How To Check My Credit Score  Not rated yet
What is the best way to check my credit score before I apply for a loan of any type?

How To Increase My Credit Score  Not rated yet
If you never use credit cards and have no outstanding debt how can you actually increase your credit score? It almost seems like you need to have some ...

How Is My Credit Score  Not rated yet
How will my 680 credit score be viewed if I apply for a home loan? Is this score still acceptable to most lenders?

Credit Score What Does It Mean  Not rated yet
What does my credit score mean when it comes to finding a job? I have heard many employers look at potential employees credit reports.

Where Is My Credit Score  Not rated yet
Where is my credit score actually created from? Why do I have different credit scores?

What Affects Your Credit Score  Not rated yet
What affects your credit score the worst? Bankruptcy? Foreclosure? Late Payments Past 90 days? Too Much Debt?

How Long Does It Take To Improve Credit Score  Not rated yet
How long does it typically take to improve your credit score after you have paid off all your credit card debt?

How To Get My Credit Score  Not rated yet
How do I go about getting my credit score on my own?

How To Check Credit Score  Not rated yet
Is there a way to check your credit score daily without paying for it?

How To Fix Credit Score  Not rated yet
What is the best way to fix a credit score that has been hurt by a few late credit card payments? Is there anyway to get the credit card companies to ...

How To Increase Credit Score  Not rated yet
Wondering how to increase my credit score in the most efficient way? Does paying off a car loan in full instead of making monthly payments actually help ...

What Is My Credit Score  Not rated yet
What is my credit score going to drop too if I file for a Chapter 7 Bankruptcy? Is there a certain amount of points lost after a bankruptcy is declared?...

How To Raise Credit Score  Not rated yet
Is there a way to raise your credit score without carrying debt? It seems almost like you get punished for not having credit card debt.

How To Improve Credit Score  Not rated yet
So how do you go about improving your own credit score after a divorce?

Who Are The Credit Bureaus  Not rated yet
Who are the credit bureaus actually controlled or audited by? It seems very hard to get them to fix incorrect items on credit reports. Do they answer ...

How To Contact Credit Bureaus  Not rated yet
Does anyone know how to contact the credit bureaus by phone, and actually talk to a live person. It seems like they try to keep their phone numbers hidden....

How To Update Credit Report  Not rated yet
Is there a way to get your credit report to update more quickly? For instance, if you pay off a debt does it take months for it to show up on your credit ...

How To Understand Credit Report  Not rated yet
Is there guide somewhere that teaches you how to understand credit reports, and how they effect your credit scores in detail.

How To Remove Charge Offs From Credit Report  Not rated yet
How can you remove charge offs from your credit report? Is this even possible, and if not how long do they remain on your credit report?

How To Interpret Credit Report  Not rated yet
So how do lenders actually interpret credit reports? Is the most important aspect whether you have had any late payments, or is it more about the amount ...

How To Fix My Credit Report  Not rated yet
So how do you fix a credit report when the credit bureaus refuse to remove inaccurate information?

How To Dispute Something On Your Credit Report  Not rated yet
I there a quicker way to dispute something on your credit report other than the long process of going through the credit bureaus and waiting for their ...

How To Repair My Credit Report  Not rated yet
I recently had a bankruptcy discharged. What is the best way to repair my credit report after a bankruptcy? I have noticed some discharged debt is still ...

How To Find Credit Report  Not rated yet
So how do you find a credit report that includes your actual FICO score?

How To Dispute Your Credit Report  Not rated yet
How do you dispute your credit report in the most efficient way? Is it better to just talk directly with the company that reported the incorrect information ...

How To Check My Credit Report  Not rated yet
How can I check my credit report without paying for those credit monitoring services?

How Often Credit Report Updated  Not rated yet
How often are credit reports updated? Daily? Weekly? Monthly?

How To Read Your Credit Report  Not rated yet
Want to know how to read a credit report in a way that lets you take care of the biggest issues first? Which debt problems need immediate attention, and ...

How To Correct Credit Report  Not rated yet
How do you correct address errors on your credit report? Do you have to prove that the address listed was never yours, and if so how do you do that?

How To Clear Credit Report  Not rated yet
How long does it take to clear a negative entry, such as a late payment, from your credit report?

How To Repair Your Credit Report  Not rated yet
How do you go about repairing inaccurate information on your credit report. What exactly should you include in your complaint to the credit bureaus?

How To Clean Up Credit Report  Not rated yet
How do you clean up your credit report quickly when you see inaccurate information posted on it?

Who Can Access My Credit Report  Not rated yet
Who can legally access my credit report?

Personal Loans For People Who Have Bad Credit  Not rated yet
Where is the best place to apply for a personal loan if you have bad credit?

Who Can Fix My Credit  Not rated yet
Are there any reputable companies that can really assist in actually fixing my credit report problems?

Credit Cards For People Who Have No Credit  Not rated yet
Is there a way for younger people who have no previous credit to obtain credit cards?

Loans For People Who Have Bad Credit  Not rated yet
Where is the best place to apply for loans if you have bad credit?

Credit Cards For People Who Have Bad Credit  Not rated yet
What is the catch with credit cards for people who have bad credit? Which credit cards are the best for people who have had previous credit problems?

How To Remove Negative Items From Credit Report  Not rated yet
I was just wondering how to remove negative items from credit my report, or am I stuck with the negative items for life?