BaseballFan4Ever asked: I scored a 791 out of 850 with Eqiufax in Feb. 2006 I just scored an 888 out of 990 with Experian Oct 2007 Do the 2 agencies have different rating systems or scales? Has my credit score improved from Feb. 2007? Experian said that I am “Prime” Plus and my Risk Grade [...]
mikey asked: If I am at a 700 now, how long will it take to get to 750 and what do I need to do? I have about 4-5 open credit card accounts, but I only have debt on one, which is interest free until 2010. I have a mortgage. I don’t miss my payments. [...]
shanem1c1 asked: I have bad credit from being irresponsible and want to change this. My debt is not huge maybe only $4000. My wife has excellent credit. We are wanting to build a home within the next 5 years and we will have to use my income to get the loan but I am worried [...]
Shakil Zaman asked: If you have bad credit then you know that this can affect you negatively in many ways including not getting approved for certain loans and paying higher interest rates. However it is possible to improve your credit rating as long as you have the desire to do so. Defaulting on loan payments [...]
Sunshine asked: I recently deposited about $8,000 in my savings account. Over the next 5-6 months will this help boost up my credit rating which is currently a 678? I do NOT have any negative accounts. The reason for the low score is my debt to income ratio. I used a credit card to pay [...]
Ernesto Maitim asked: Many student borrowers consolidate student loans with the main intent which is to experience financial relief from the stress brought about by multiple loans. However, do you know that there is more to college loan consolidation than just relief from stress? I believe that this is one of the best advantages there [...]
Abhishek Agarwal asked: Having negative credit ratings in your credit history is a strict no-no. It is something that will hinder your loan applications and get you a bad reputation when it comes to your credibility. Most financial companies will look upon you as a risky credit customer. You must be very cautious as it [...]
SadToday22 asked: We both have pretty good credit, I’ve never had a late payment but have quite a bit of debt. My husband doesn’t have nearly the debt I do but had some late payments about 3-4 years ago and has since paid those accounts off. So together we have fair/good credit but want to [...]