Posts Tagged ‘credit report’

How does an unused credit card report on your credit report?

If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing? … Continue reading

Where can you get a good personal loan from a reputable bank?

I have average credit around 660 currently…but only have credit cards. I live in California. Can I get a good personal loan with a good interest rate which will help my mix of credit? Only problem is that I have a repo on my credit report that will fall off next year.

How do I get a credit card with kinda bad credit?

My credit has about 3 maybe 4 things on it that aren’t so good. I’ve been trying to get a credit card and build my credit up but I only get approved for prepaid cards. They want me to deposit 0-0 a month for 3 months into a savings account for them and then I get approved to use that card. If I had that kind of money, I wouldn’t… Continue reading

How does an unused credit card report on your credit report?

If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?… Continue reading

How does it effect your credit score, if your mortgage gets sold to another lender?

Does it help, because it appears that you fully paid off a mortgage, and then took out another one?

Does it hurt, because all of a sudden you have a new huge loan on your credit report?
There is something called "length of time major accounts have been established" that is frequently sited as a top reason why someone’s credit score isn’t higher.… Continue reading

Do payday advance or personal loan applications show as a hard hit on your credit report?

I might be moving over the next week and I need to come up with 2000 immediately -that can be paid over 1-3 months. I’ve considered pay day advances and personal loans through citi or a credit union. I’m not sure what the best move is, I’ve fund it difficult to do actual research for rates without entering personal information. I’m also not sure if these applications would show up… Continue reading

Does a having a private mortgage through family disqualify you for the 1st time home buyer tax credit?

For the past 4 years I have been buying my home from my uncle through an escrow service. The private mortgage does not show on my credit report, but I do claim the interest as a deduction on my taxes. I have placed that home on the market and I am purchasing another home. Will I be able to claim the first time home buyer tax credit since my previous… Continue reading

How do you allow a credit card to look at credit history if there is a fraud alert on your account?

I jus applied for a credit card and still have a fraud alert on my credit. I want to allow this credit card to look at my credit. The credit card told me to contact someone to tell them to allow Chase to have access to my account. I don’t know who to contact, i’ve tried the big 3 bureaus and am not getting anywhere with them in terms of… Continue reading

How do I get a statement for a credit card that is showing on my credit report?

There is a credit card showing on my credit report and I didn’t know about this specific card. I have the name of the card, the card number and balance on this card. I want to know what it was used for. Can someone help me?… Continue reading

Raising my credit score with a personal loan?

I got a personal loan to pay off items on my credit report. I could have paid them off without getting the loan but thought this would be the best way to re-establish my credit and raise my score at the same time. The Loan is for 12months but I plan on paying it off in 3 months. Would this look good to the credit agencys or should I pay… Continue reading