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Bernard Said:

how do i clear bad credit rating from address?

We Answered:

I'm assuming you're in the UK and answering accordingly.

Credit ratings follow people, not addresses. The only circumstance that might apply is if you used to live with someone with whom you had joint credit agreements. If this is the case and you are no longer bound to them in any way, you should write to the credit reference agencies asking to be dissociated with that person. Be prepared to give their new address.

Edna Said:

How can i clear my credit rating without spending cash?

We Answered:

You are talking about removing negative items on your credit report. The credit bureaus will tell you that it is impossible to remove legitimate derogatory items but this is not exactly the case. It is possible to get negative items off your credit report, even if you deserve them.

You need to get copies of your credit report from all three credit reporting bureaus: Experian, Trans Union and Equifax, and see exactly what is on there. The process to remove these items is time consuming and may take anywhere from several months to a year or more. Most people who work in the credit reporting industry will tell you it cannot be done but I know it does because I have done it.

The method involves writing dispute letters about every negative item and sending these letters to the credit bureaus where the derogatory items appear. You may have to send 5, 10 15 20 letters, spaced 2 or 3 months apart for years to get things to come off. the way it works is like this:

When the credit bureaus receive a dispute letter, they have to investigate it and verify the accuracy of the item. If they cannot obtain verification in 30 days then by law they have to remove the item from the credit report. If you send in enough letters over a long enough period of time, even for legitimately negative things, eventually someone will mess up and not get the verification out in time.

This is not a matter of disputing legitimate errors; this is a matter of disputing everything, even the negative things you deserve. You lie and say these are not yours and you want them off your credit report. Make up some reason why they are not yours, such as different person with same name, never had the account, whatever. Handwrite the letters, do NOT print them out on a printer. This is more time consuming but if the credit bureau suspects you are mass printing these letters they are not obligated to respond to frivolous claims.

One outfit that can do this for you for about $35 a month is Lexington Law Firm. Look it up on the internet. I know this one works. If you don't want to spend the $35 a month, you can do this yourself for free, but you constantly have to be on top of it.

Bradley Said:

how can i clear my credit rating debts have bee cleared for months experian want proof?

We Answered:

dcparis has it backwards....

It's not your responsiblilty to prove you do not owe the debt. The creditor has to prove that you do.

You can send all sorts of evidence to the credit bureau, and it will not get the listing removed. The ONLY way a listing can be edited/deleted is if the creditor does it himself, or if they fail to respond back to an investigation request.

All you have to do is protest the credit listing to the credit bureau. Explain that the bill was paid. The credit burear must then contact the creditor who listed it on your report.

If the creditor does not respond back to the investigation, then your listing will be deleted.

If the creditor tells them the listing is correct, then your next step is to contact the creditor and demand a debt be "validated". That means they must send you proof you owe the debt. That includes contracts, bills, receipts, and everything that was used to calculate what they claim you owe.

If this information does not match what you have, then they have violated the Fair Credit Reporting Act by posting inaccurate information to your credit report. They can be sued for $1000 in small claims court.

So follow this procedure. Contact me if you need more help with this.

Joshua Said:

I have a bad credit rating after a few years will it be clear

?

We Answered:

Derogatory items age off your credit report 7-1/2 years from the date of first deficiency. Judgments age off in 7 years or the statutory max for your state, which ever is longest.

Paying will not improve your score. The damage is done and will remain for the balance of the reporting period, whether paid or not. However, creditors look at your whole credit report, not just the score. Paid old debt always looks better.

When you pay off the judgment, make sure the holder processes the paperwork to the court to show that the judgment has been satisfied. That's the only way to have it show up as paid on your credit report. If you don't pay off the judgment, they can use it to garnish wages, attach bank accounts, or lien personal property. Judgments are good for a long time and can be renewed. They don't just go away.

As these negative items get older, they will have less impact on your score. You will still need to rebuild your credit. You need at least 24 months of consistent, on time payment history to begin to offset those negatives.

Gina Said:

How long does it take for your credit rating to clear

?

We Answered:

If your credit report is correct, 7 years. If it isn't, you have to challenge it in writing, and it should clear fairly soon after it has been confirmed.

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    Rosa Said:Is "ALL WELL" with the banking system? I think not? Your thoughts?We Answered:My philosophy is spend it before they steal it. As it is, our currency is only worth half what it was a year ago. That means the banking system has stolen half of your savings. That is why I am investing all my money in energy. I just bought a wood stove since it was only 2k more than my yearly propane bill. Solar panels and an electric car is next. This, my fixed morgage and my garden will protect me from the thieves that run the...

    Credit Card For Bad Credit Rating

    Christine Said:Bad Credit Rating and need a credit card?We Answered:Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - creditreport.fateback.comNora Said:How is it possible for someone to have a bad credit rating when he doesn't even have a credit card?We Answered:Your credit can be affected by just about anything, from Utility bills, cell bills.....all kinds of things. Anytime you have something you pay on, monthly, bi-monthly, if it's paid late that company can report...

    Credit Card Generate

    Milton Said:what happens to your credit card when you generate it?We Answered:huh? try reasking the question. I am not clear on what you are asking.Eleanor Said:how can I generate a valid credit card on line in any bank in America?We Answered:Call Bank of America at 1-800-900-9000 and let them know what you want to do. They'll tell you exactly how to go about it.Gilbert Said:I bought something online with a generated credit card number!! Is this illegal?We Answered:It would all depend. Did you use a generated credit card # through your credit card co. Some offer this...

    Credit Card Generater

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    Credit Card Generating

    Wade Said:I want to know about claiming tax deductions when purchasing income generating assets on your credit card?We Answered:Claim the deduction (ie. depreciation or an immediate deduction depending) as you would if you had payed in cash - you should still receive a tax invoice regardless of payment method.Katrina Said:It is better for my credit score/report to pay credit card before bill is generated?We Answered:What CatDad says is a consideration if you carry a balance. In that case you need to at least make a minimum payment between statement closing date and due date, and an early payment before...

    Credit Card Interest Rate Comparison

    Byron Said:Where can I find...?We Answered:Try here: http://www.theshopshow.com/financial_ser…...

    Credit Card Merchant Rates

    Allan Said:Anybody happy with their Merchant Credit Card Processing Rates and who do you use??We Answered:Being a provider of the service – I will keep this more informative and less of an advertisement. There are two basic pricing models in the payments industry – that know as bucketed or tiered (Qualified, Mid-Qual, Non-Qual) and Pass Thru (standard surcharge to actual InterChange – InterChange is the published fee schedule of the monies paid by the Acquirer of the transaction to the Issuer of the card – for those of you who don’t know – the issuer of the card gets the lion’s...

    Credit Card Rate Comparison

    Melissa Said:What credit card is the easiest to get you approved.?We Answered:This is a good idea. You will pay less money in interest and more on debt repayment so you can pay off your credit card debts faster and save yourself some money. However, with 0% cards there are some potential traps you need to be aware of: The credit card issuer is not offering you 0% APR as an act of kindness. It is impossible to make money on zero interest or even very low interest rate cards, so why do the card companies do it? Understand their...

    Credit Card With A Bad Credit Rating

    Ashley Said:Poor credit rating, what credit card company do you suggest?We Answered:go with capitalone, they will start you off with a small line but after a while u can call to get more. thats wat i did, worked pretty good.Kurt Said:do credit card companies send credit cards offers in the post to people with a poor credit rating?We Answered:Sure you get them but if you think you will get an American Express or one of the biggies dream on you also get a denied when they do the credit check.Rita Said:Where can i get an unsecured, long line of credit...

    Credit Card With Low Interest Rate

    Florence Said:When is it a good idea to pay off high interest rate credit cards with low interest rate credit cards?We Answered:The transfer fee should be less than a couple month's difference in interest.Kathy Said:Thinking about getting a new credit card with low interest rate to pay off 2-3 other credit cards?We Answered:While the plan sounds good on the surface, there are a lot of people who played the 'shift to a lower interest rate' game who end up with a bunch of cards and a huge credit card debt. Biggest problem is that instead of not charging anything...

    Credit Good Rating Score

    Erik Said:Is a 663 a good credit score rating?We Answered:it's better than mine lol. I think awesome is in the 800s, and good is the 700s. I don't think that 663 is near bad though. Just keep working on it. Bad is like in the 300s I know if you have a lot of high debt (including student loans) it will bring down the score. You are in decent shapeMitchell Said:what is a good credit rating score?We Answered:Enroll in a small line of mortgage - this is achieved through your local bank or any company for...

    Credit History Rating

    Kristin Said:credit History?We Answered:How late? They generally don't report you until you are more than 30 days late. They'll just charge you a $39 late fee if it's only a few days or even weeks. Recent payment history is one of the strongest contributors to credit score and a new late pay could drop you substantially (50 or more points) if your credit was really good before. good luck!...

    Credit Ratings Agencies

    Alexander Said:why did the credit rating agencies give AAA ratings to sub-prime liar loans ?We Answered:I don't know why that would be a surprise to anyone. Accounting firms overlook fraudulent accounting practices so that they will be hired for millions of dollars to perform the required audit. Wall street firms give strong buy recommendations to most companies so that they can get M&A business, new stock issue business, and other types of business from the companies. When the tech boom collapsed in 2000, thousands of companies went under that had buy ratings from wall street firms. The whole system needs to be...

    Credit Ratings Agency

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    Credit Ratings Australia

    Bessie Said:bad credit credit cards? are there any in australia?We Answered:Most Financial Institutions have strict lending criteria regarding applications for revolving credit (credit cards). If the person is listed with the Credit Ref. Assoc. of Aust. then they are generally deemed a risk & therefore would be declined a card in most instances, (depends what the listing is for i.e., a $50.00 debt for a ph bill). BTW - avoid 'pay day' lenders as there rates are approx 48% P.A. - you end up owing more than you borrowed. Be very careful where you apply for...

    Credit Ratings Canada

    Regina Said:Can returning too many items effect my credit ratings?We Answered:Returns *DO NOT* affect your credit score in any way. There are however, a few things some people overlook. Example: Your balance before making your return was $100 and your return was $110.99. Now you have no balance therefore have to make no payment. WRONG! Returns do not count as payment. You should make your minimum payment and they will refund you later. People who overlook this detail have a "missed" or "late payment" and that WILL affect your credit score.Gwendolyn Said:Renter's insurance in Edmonton, Canada?We Answered:It depends on how you wish...

    Credit Ratings Company

    Gerald Said:Should elderly people/rich people with great credit ratings stop paying there credit cards?We Answered:I'm thinking that most folks are honest and pay their bills instead of looking for some loophole to get out of paying. Folks with great credit ratings probably don't even HAVE credit card balances. We use credit cards as a convenience and pay the balance in full every month. Your questions says a lot about your financial management skills.Gerald Said:are there any other credit companies a company can get their credit info from OTHER than dun and bradstreet?We Answered:Reference USA provides company credit ratings. Most...

    Credit Ratings Explained

    Ruth Said:how will demo explain their lies about insurance companys profits now that the truth is out?We Answered:demos will not admit that they dont make huge% of profits,they can not demonize them if they do.im happy with my coverage.i dont make a lot of money under 25,000.00a year but my employer has great benefits,demos just dont want to pay for it them self.if your disabled or of a certain age you get medicade or medicare.they want to insure all those who wont work ,druggies ,bums ,perverts etc.Sergio Said:What is subprime mortgage?why didn't anyone in us didn't know about the...

    Credit Ratings India

    Barry Said:I want to know credit rating (India)?We Answered:in india credit record maintain by CIBIL(credit information buro india limited).right now there no legal way to know your credit rating in india.there many case i heard where CIBIL put bad record in computer but he donot have any bad record.when he apply a loan bank reject his aplication due to bad credit.soon RBI bring a new law where u can know your credit rating but right now no legal way to know your credit rating....

    Credit Ratings In Canada

    Byron Said:how can i open a cheque bank account with bad credit?We Answered:yes you can open new acounts. that doesn't have anything to do with credit ratingsJuanita Said:what happens if you stop a backuptcy after the first month in canada?We Answered:If your are a fully discharged bankrupt it would be legal to open a bank account, but you may have difficulty in obtaining loans or a mortgage. After three years with all debts paid off, specially Court Orders you would have a clean bill of credit. You can have your old credit ratings removed for a small administrative...

    Credit Ratings Report

    Howard Said:I have a credit report rating of 840. I didn't think they went that high. How high the ratings go?We Answered:it goes up to 850. hey man that is awesome. Wish I had credit like that. why dont you go to my website and apply for a credit card http://creditcardwarehouseonline.com http://creditcardwarehouse.ecreditdirect…Eva Said:Is it true that bad ratings come off your credit report after 7 years?We Answered:The reporting statute of limitations (SOL) for credit cards starts to run the first time you became 30 days late and never brought the account current leading to the charge off. That is...

    Credit Ratings Reports

    Clifton Said:If its ok to Bailout the banks, wouldn't be ok to remove the foreclosures marks from consumers credit reports?We Answered:That's an interesting thought. It's not a government decision, credit scores are generated by private companies, and those companies neither gain nor lose by the bailout. Joanne Said:How do companies merge credit ratings of married people?We Answered:They dont. If a debt of yours is on her report, she needs to file a dispute, and have it removed. The only exception would be if the health insurance is in her name.Enrique Said:Why do the three credit reporting agencies exist? Why doesn't the...

    Credit Ratings Scale

    Jerome Said:How Good A Credit Score of 579?We Answered:This should help you to understand how credit scores work.. FICO scores from 300 to 850 and Vantage scores from 501 to 990. Here is the breakdown for both systems. Vantage Plus system scores from 501-990. A-901-990 B-801-900 C-701-800 D-601-700 F-501-600 FICO system scores from 300-850. Elite-740-& up Prime-700-739 Preferred-660-699 Standard-625-659 Sub-prime-624-& under FICO is the only one that matters since it's the one that all major lenders look at. So as you can see it depends on if your looking at a true FICO score or a Vantage plus score. As far as what makes up credit scores it's the following; 1. Payment history (longer the better)...

    Credit Ratings Uk

    Dale Said:Prepaid credit cards for non-US, non-UK resident?We Answered:Prepaid debit/credit cards are loaded with fees - fees for registering the card, re-loading the card, inactivity, and on and on. They are generally a good idea for people who (1) can't get a credit card due to poor or no credit history, or (2) have trouble managing their money, and would be charged more in interest and/or over limit fees than they are paying in prepaid fees. Why pay to use your own money? A good alternative is to open a checking account that comes with a debit...

    Credit Rating Agencies In India

    Dwight Said:Collection Agency Ripping Me Off - What Do I Do?We Answered:You've received a couple of good answers, but I would like a add a couple of things, if I may: - Get a copy of the canceled check from your bank and a copy of the collection agency's letter and send them to both the dentist office and the collections company with a letter explaining that you are being billed twice for the same services. Make sure that you have CC at the bottom of your letter with the dental office, the collection agency, and your lawyer, if you have...

    Credit Rating Agencies Uk

    Adam Said:UK budget deficit could cost each taxpayer Ł1600 - today's Guardian - what do you think?We Answered:I think the actual cost is much higher. The biggest problem is that we have no real national industry in which to offset any debt. The transport system was sold off as was the utilities. We no longer have any social housing to collect local rent from. The need for any country to have certain nationalised industry has proved to be in more need now than ever in this country. Asking the population to pay off private controlled debt is not acceptable. It is...

    Credit Rating Agency In India

    Pearl Said:can i improve my credit rating working for avon?We Answered:Assuming AVON doesn't totally @ss rape you like they did me....maybe. AVON made MY credit rating go down though. I was late paying a bill because I was still waiting for the order to ship and didn't have the money. They sent me a letter saying I had 10 days to pay it before it went to collections. So I immediately got online to pay it, only to find out I had been locked out of my AVON account. So I paid it over the phone (after being routed to...

    Credit Rating Agency Uk

    Manuel Said:I have a student debt from sweden in 1995, they are selling the debt to a UK debt agency. Do I have to pay? ?We Answered:I believe that the answer is NO ! As more than 6 years has passed, then unless you have had ANY form of contact with the company within the last 6 years then the Debt is irrecoverable as it is beyond the 6 year time limit for doing so ! Contact your local Citizens Advice Bureaux & they will be able to advise you EXACTLY on what your LEGAL & FINANCIAL position is !...

    Credit Rating And Mortgage

    Becky Said:How does your credit rating affect getting a mortgage?We Answered:If you've got very poor credit, chances are you won't be approved. If you do, it will be with very unfavorable terms, high rate, etc.Marcia Said:can i get a mortgage with bad credit rating?We Answered:you always shop around no matter what your credit is like!!!Sherri Said:Can I get a mortgage with bad credit rating and 2 months self employment?We Answered:I would say no, especially the way the economy is going.Henry Said:where can i refinance my horrific ARM to a fixed rate mortgage with no regard to my D- credit rating...

    Credit Rating Australia

    Janet Said:Credit Cards for Bad Credit Rating - Australia?We Answered:People with bad credit or poor credit are often face difficulties in obtaining a credit card. The fact is indeed true that their choices are limited when it comes to credit cards but, credit card issuers are increasingly offering financial products that specially cater to bad credit people. Bad credit problem can be caused due to a number of situations. The credit card choices available to bad credit people allow them to rebuild their credit history. Financial products that help bad credit people are prepaid credit cards or debit cards, secured bad...

    Credit Rating Bureau

    Patrick Said:What does it mean when it states, "insufficient credit bureau rating" ?We Answered:Sounds to me like there is a lack of credit history rather than a bunch of bad marks on your credit report.Jerry Said:Can monthly payments to a collection agency be reported to credit bureau?We Answered:Ask lenders for agreement to delete this items from your credit report when paying them. I recommend to get such agreement thru credit repair agency, for example this one - creditreport.imess.netCurtis Said:How can I boost my credit rating if I paid for my car in full?We Answered:This is not true at all. The...

    Credit Rating Bureaus

    Byron Said:Do other countries use the same credit bureaus as the US?We Answered:noRhonda Said:Is there such a thing as a credit rating for a business withe the credit bureaus ?We Answered:Yes. The best known and most widely used is Dun and Bradstreet where you can get credit reports of businesses http://www.dnb.com/us/dbproducts/product… Experian also has a business credit reporting system http://www.experian.com/business/bcr.htm…Hector Said:Can anybody report something to credit bureaus?We Answered:Anybody can call a credit bureau and report something, but that does not mean that it will go on a credit report. A credit bureau will list only things reported by businesses (or...

    Credit Rating Change

    Ralph Said:Does your cell phone payments change your credit rating?We Answered:no you can pay your bill by which ever way you want weather it's a credit card, money order, check, western union or cash. the only way your credit will be affected is if you don't pay your cell phone bill then it will go to a collection agency then be reported on your credit report in which your credit score will be affected.Casey Said:My bank has affected my credit rating my charging my account for no reason! How can I get them to change it?We Answered:they can do anything...

    Credit Rating Chart

    Jordan Said:Math problem , helpppp?We Answered:wow that is really confusingEva Said:I need help with this math problem?We Answered:3.88Matthew Said:What does "High Bal" mean on a credit report?We Answered:Probably you have some wrong items in your credit report. Use credit repair service to find and remove such bad stuff from your credit - credit-report-free.totalh.comWilma Said:Is there a chart that shows the best rates and reward point system for credit cards?We Answered:Try www.cardweb.comLorraine Said:Discover credit card interchange rates?We Answered:What do you mean by interchange rates?...

    Credit Rating Companies

    Gabriel Said:how can i find out my credit rating when expedia etc (credit rating companies)?We Answered:http://www.annualcreditreport.comYolanda Said:Is it true that all of the major credit rating companies are required by law to give you a free report yearly?We Answered:I'm assuming you are the UK. Anyone (not just credit rating agencies) who holds personal data about you is required to release that information to you on application under the terms of the Data Protection Act but I think they are entitled to charge an administration fee which from memory cannot exceed Ł10.Tracey Said:what is your experience with credit rating repair companies?We...

    Credit Rating Criteria

    Melvin Said:What are the criteria for a credit check fo renting from an eastat agents?We Answered:Honestly it all depends on the real estate agent. I have known some that will overlook the somewhat poor past credit history is you have excellent work history and your average daily balance of your bank account is equal to atleast three months of rent. Good luck!!!Virgil Said:What are the criteria to open an online share trading account?We Answered:It's all a matter of having a minimum balance. For Scottrade it's $500 with a $7 fee per tranaction, and with ING it's even lower (I forget...

    Credit Rating Definition

    Judith Said:Does anyone has the definition of "30 day LIBOR Rate" for a Credit Agreement?We Answered:LIBOR is the "London Interbank Offered Rate for Eurodollar Deposits". It is an average of what UK banks pay on short term deposits, but is used as a proxy for a short term interest rate. 30 day LIBOR is what commercial banks pay for a 30 day time deposit denominated in US Dollars. You can look up the current rate on Bloombergs or in the wall st journal. Its a standard term in financing agreeemnts that need a short...

    Credit Rating Definitions

    Bryan Said:Word definitions comerce.?We Answered:1 Tells you how mush it will cost you to insure your car with that Insurer. it is a quote. 2 looking at the difference between two interest rates. 3 think it means that your car is insured for everything 4 you are given a rating by the insurance company as to how much a risk you are to them should they insure you. they take into account, wages, assets, family stability, financial position etc.They won't insure you if you are not likely to be able to pay back the loan or if the car is a bomb...

    Credit Rating History

    Ivan Said:How can someone with no known credit history improve their credit rating?We Answered:I was told when looking for a mortgage that having a land line telephone number and being on the electoral role help with credit rating. I guess also, getting a contract mobile phone and paying it off in full each month would help!Seth Said:How do I check my own credit rating?We Answered:As NickR advised, http://annualcreditreport.com is a source of all three of your reports from the major credit reporting companies. You can get these for free once each year so that you can monitor for errors, or...

    Credit Rating India

    Rita Said:Getting direct cash from our credit card thru brokers is legal in India?We Answered:I wouldn't feel happy about doing anything out of the ordinary with my credit card there are so many ways they can be interfered with now.Margie Said:What the best credit card offered by a bank in india?We Answered:To make any credit card "the best" for "your purposes", keep in mind just a few things while choosing / opting a credit card: 1. The card serves your "recurring needs " the most and in the best possible manner - whether particular kinds of shopping / transactions or payment...

    Credit Rating Info

    Marjorie Said:credit card from a department store and where can i get the info?We Answered:You can: * ask at the register * ask the store manager * after getting the card, go to the website, log onto the credit card account and see if you can find anythingNathaniel Said:How can I get free credit info and a free credit rating that is for real and actually free? #'s please.?We Answered:You can get free credit info at https://www.annualcreditreport.com/cra/i… , but you can only get them once year.Dolores Said:Need help and gneral info about credit scores/rating?We Answered:In order to improve your credit score,i can tell...

    Credit Rating Information

    Marsha Said:i need information on credit rating?We Answered:If you have been denied credit, you can request a copy of your credit report which they obtained to turn you down. Also, you can get an annual free report over the internet at freecreditreport.comOscar Said:what are the mechanics of correcting a credit rating now that I have the information proving incorrect rating?We Answered:Start by reading the link below about the Fair Credit Reporting Act. But generally here is an outline. Get a copy of your credit reports (all three) from http://www.annualcreditreport.com Carefully examine every line for errors. Send out all letters by certified mail, return...

    Credit Rating In India

    Louise Said:Which is better on my credit rating? Bankruptcy, or negotating with creditors?We Answered:Explain what has happened with your creditors. Many will be willing to work with you as they will get their money eventually. You may find one that will give you a consolidation loan to help you streamline your payments. Most will negotiate a reduced or zero interest for the remainder of your balances. If you can pay your debts again I would seriously stay away from the idea of bankruptcy. A few late payments of your credit report is one thing, a bankruptcy is another beast altogether. You may want...

    Credit Rating In Uk

    Irene Said:who offers credit cards to people with low credit rating in uk?We Answered:Vanquis charges 39% APR Capital One (standard) is 36% APR You would have to be VERY desperate to even consider one of those. Wait for 6 months and keep out of financial trouble and try again with one of the more reputable card companies.Juan Said:if a house is repossessed in spain does it affect uk credit rating?We Answered:It depends on whether the lender does business over there, but in the long run it probably will pop up and credit is international and getting more so every day.Perry Said:Credit rating?...

    Credit Rating Meaning

    Kristina Said:If I cancel a secured credit card will it effect my credit rating?We Answered:Do not close the card cause it lower you available credit line. You also can use this service to pre-estimate future scores for different scenarios of credit card payments. - creditreport.fateback.comKirk Said:What does your credit rating mean to prospective employers?We Answered:Even if you won't be handling money in a new job, the credit report can indicate if you are a responsible individual who knows how to handle finances (personal or otherwise) and who fulfills their contractual obligations. A credit report should not be the entirety...

    Credit Rating Methodology

    Ruby Said:How are mortgage interest rates determined?We Answered:Rates are determined by investors in the secondary market. Most loans are originated for sale to Fannie and Freddie so they rates that anyone can offer depends on what Fannie and Freddie can afford to offer on a program (e.g. 30 year, 15 year, etc.) which in turn is driven by what their investors require for a return/yield on their money. The link below tells you what Fannies investors are requiring roughly. http://www.bloomberg.com/apps/quote?tick… Then the Fannie/Freddie have to add a spread to that in order to make any money. The link below would represent a "par" rate...

    Credit Rating Number

    Carole Said:What kind of number is a good credit rating?We Answered:Anything below a 630-610 is looked at as below average by lenders in general, it varies by the type of loan and rates given. On average, the public is about 670. If you are above a 780, you can buy about anything, depending on your stability.Barry Said:Number of credit cards and relation to credit rating?We Answered:It depends. If you make $25k a year and have $100k available on credit cards, your score goes lower. If you have a $100k a year salary and only $25k in cards, no problem....

    Credit Rating Numbers

    Clayton Said:Credit Rating Score?We Answered:The "Big Three" in credit are Equifax: (800) 685-1111, Experian (888) 397-3742, and TransUnion (800) 888-4213. All three will provide you with a free copy of your credit. As far as actually getting your numerical score, I suggest you try Fair Isaac's website at myFICO.com. You can play around with your score here by using the hypotheticals the site provides. For instance, what would happen to your score if you paid down a credit card balance? What if you paid it off? That type of thing. Please be aware that for...

    Credit Rating Process

    Holly Said:Does applying for preapproval for a mortgage lower your credit rating? What about repeating the process?We Answered:It doesn't automatically lower your credit but it will appear as a inquiry on your account. You do not want to many of these. However when you are in the process of buying a house you are expected to shop around before choosing one morgage company, so lenders have come to expect it. I was advise not to have my credit run by more than 5 lenders in the process.Darlene Said:if i dispute my credit rating is it true that while my dispute...

    Credit Rating Range

    Susan Said:What is the general price range to lease a 2010 Mustang Coupe for a 36 month lease with avg credit rating?We Answered:Financed cars is more expensive to insurance cause it requires full coverage. You can compare how much you would pay for full coverage of this car using this tool - carquotes.fateback.comRaul Said:Credit rating what is good or bad?We Answered:I beleive UK is based on same FICO score as North America. Scores between 300 (very low) and 850 (very high). Average is likely about 650 give or take. For those with no credit or recent bankrupty...

    Credit Rating Repair

    Corey Said:Does anyone have any advice on how to repair a credit rating?We Answered:Pay all your outstanding debts off as soon as possible by making payments above the minimum. Once they're down to zero, use one of your credit cards to make purchase, but them off as soon as the bill arrives. Don't wait for the payment due date. Yes, this takes a while unless you have access to funds that don't need to be repaid, ever, which you can use to pay off the outstanding debts and start right away on the second phase. I've bookmarked this...

    Credit Rating Reports

    Diana Said:Will my Credit Rating go down by asking my Credit reports from many agencies like Equifax, Experion etc.??We Answered:This is part of the business I am in. If you are pulling your credit reports, the answer is NO. As a matter of fact, you are entiled to one free report from each agency every year. This went into effect in 2005 nationwide. It is a proactive step to help prevent negative credit reporting, ID theft, and inaccurate credit reporting. You need to pull reports from Equifax, TransUnion, and Experion. Use the www.freecreditreport.com site to pull them. Make sure they all...

    Credit Rating Scale

    Rhonda Said:On a scale of 1-10, how good is a credit rating of 732?We Answered:I would say an 8. What you can do to improve it: 1. Pay all bills on time 2. Keep credit card balances at or below 30% of the available credit 3. Don't apply for unecessary credit 4. Don't close older unused accounts, start using lightly 5. Reqest for line increases regularly on your credit cards(every 6 mos)Betty Said:Experian credit rating and orange mobile?We Answered:If you have a good credit rating you can appeal against the decision, just show them your credit rating that you got from experian. It will...

    Credit Rating Scale Score

    Francis Said:where to get all three credit reports?We Answered:There is only one site that is totally free and only one approved by the federal gvt. annual credit report. com Check your reports once a year. First check your reports, make sure everything is in pristine condition. One in three people currently have errors in their reports. Note that major lenders like FHA do not look at your scores. They view your reports in detail and make their own decisions. So sweat the reports and knowing how to maintain top credit. Once your reports are in top shape and you've done everything to increase your rating like paying off...

    Credit Rating Scores

    Mario Said:What lenders only use Transunion credit scores when rating people who want to refinance their home mortgage?We Answered:As credit scores have become the predominant decision making tool in the mortgage industry, I have not run across any of these companys. You are corrIect that the norm now is the middle of three or the lower of two. The country is broken up into regions where one of the three bureaus would be the predominantly used by creditors in that area. Daily I see bureaus where the low score could be in the 500's and the high...

    Credit Rating Score Chart

    Vanessa Said:Why is my score "fair' and not "good'?We Answered:Your credit rating will be reduced if you have at any time in the last few (5 I believe, but not 100% sure) years defaulted on any loans, or credit card repayments. You will probably also find that if you have not had a credit card or a loan for very long, you will not get a top credit rating. Put simply, anyone who hasn't previously had a credit agreement will not have any history of how they tend to manage their repayments, so its not possible to say...

    Credit Rating Score Meaning

    Alice Said:how about stimulating the economy by boosting people's credit score?We Answered:the problem with doing that is that the credit reporting agencies figure out your score based on the indications they have about your willingness and ability to repay your loans. If the government just lifted everyone's score, that wouldn't change your ability or willingness to repay your loans, at least not right away. This means the people that purchase the credit reports would just raise their score requirements by the same amount that the government raised your score, to keep the same amount of risk. If the government...

    Credit Rating Score Scale

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    Credit Rating Scoring

    Larry Said:Where do I get a free credit score rating?We Answered:if you are looking for the free credit report and score national site, check out this site http://free-credit-report-national.com/ Here you can see your 3-in-1 Report from all three credit reporting agencies and your credit score.Anna Said:Where can i check my free credit score rating?We Answered:if you are looking for the free credit score and report usa national site, check out this site http://free-credit-report-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.Megan Said:how does closing a credit card with no balance affect your credit score/rating...

    Credit Rating Search

    Donald Said:What if you could search for a spouse based on their credit score?We Answered:There's been a woman on the news as of late that has stated she wants to get married for money and that reason only. She will marry anyone who has it and she doesn't really care who. You could always try that route.Erica Said:Is there an online web site to check your credit rating for free?We Answered:www.annualcreditreport.com You can pick from the 3 major creditors.Javier Said:Could someone please tell me if a credit search will affect my credit rating?We Answered:Well to set the record straight...

    Credit Rating Software

    Tara Said:how do used car dealers sell car with 1000 down delivers?We Answered:Sounds like you have a bad credit rating. They will process your details using their third party service and this could be any financial service which they are tied up with.. Bank/Financial interest rates differ on vehicle, model, down payment, years of repayment and your credit rating as well as bank rate and etc. You can register yourself at www.experian.com, http://www.experian.com/customer_service… (similar services can be found if you google) to see how your credit rating report looks like (this report is just what any financial organisation see when they want to...

    Credit Rating System

    Bernard Said:how long before my credit rating becomes good in australia?We Answered:Australia has quite a different credit rating and reporting system to the US. In Australia credit applications, enquiries and overdue accounts are held on your file for 5 years. Bankruptcy information is held on your file for 7 years. Court Judgments are held for 5 years (excluding ACT). So to some extent it depends on why your credit is bad - but the answer is probably that the negative info will stay on your file for 5 years. However, this does not mean that you cannot get a phone. You can apply...

    Credit Rating Systems

    Bertha Said:Is there such thing as a Credit Rating Obudsman?We Answered:The Information Commissioner's Office You complain to them.Sergio Said:How many others believe that the credit rating system is just a big scam established by the corporate banks?We Answered:You know, it very well may be, but until some one comes up with a better system were stuck with the one we have so people should learn how to use it to their advantage.Pamela Said:Do singapore banks have a credit rating system?We Answered:Singapore has a Credit Bureau which keeps a record of all your financial bahaviour in all banks in Singapore. How do...

    Credit Report Ratings

    Sarah Said:Why are all companies allowed access to your credit report? What can be done to limit access?We Answered:First, businesses don't have access to your credit file unless you give them permission. Second, businesses pay to see your credit report; you get a copy for free every year. Third, credit bureaus are in another business that screens pre-approved offers and mailing lists, without actually giving out your information. You can contact th bureaus an opt out of these screenings.Ian Said:How long do negative things stay on your credit report?We Answered:Per the Fair Credit Reporting Act (Federal law) derogatory accounts show for...

    Credit Report Rating Score

    Dennis Said:how do i check free credit score rating or report?We Answered:hi, if you are looking for the best credit report site, check out this site http://Credit-Report-Online-USA.com Here you can get your Free Credit Score and Report hope this help,Jonathan Said:how i check free credit score rating or report?We Answered:hi, if you are looking for the best credit report site, check out this site http://Credit-Report-Online-USA.com Here you can get your Free Credit Score and Report hope this help,Holly Said:Anyone can tell me, How do i check free credit score rating or report?We Answered:if you are looking for the free credit report usa national site, check out this site http://free-credit-report-national.com/ Here...

    Credit Risk Rating

    Wendy Said:Can a landlord affect my credit rating if I terminate the lease early?We Answered:This doesn't sound like a reputable landlord. 1) Document your problems. 2) Document your problems. Send certified letters to the landlord requesting things be addressed. This in and of itself may entitle you to break your lease. You may need to talk with an attorney if your really want to protect yourself. Not everyone reports to the credit reporting agencies. It cost money to do so, but it also (obviously) carries more weight. If you just...

    Credit Score Ratings

    Adam Said:I'm thinking of cosigning a loan for a friend. If I do, do I get documents, his credit score ratings, etc?We Answered:DON"T do it,, I have, it was a bad ideaLynn Said:credit score ratings?We Answered:One of the things that credit scoring systems take into account to compute your credit score is the proportion of the credit available to you (through credit cards, loans, home equity lines, etc) that you're actually using. This proportion increases substantially the moment you get a mortgage (you suddenly have much more credit available and are using 100% of it). This is the first reason...

    Credit Score Rating Chart

    Gwendolyn Said:How bad will going over my credit limit affect my score?We Answered:No effect... Here is a article about How are credit scores calculated. Credit scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don’t necessarily use the same scoring software, so don’t be surprised if you discover that the credit scores they generate for you are different. Why are credit scores sometimes called FICO scores? The software used to calculate a great number of credit scores was created by Fair Isaac Corporation–FICO. Which parts of...

    Credit Score Rating Scale

    Charles Said:Credit score fall down by inquiries by financial companies that I never asked. How to prevent?We Answered:10% of your FICO score is applications for new credit, or credit inquiries. If you make the effort to apply for credit, it is a hard inquiry, and it affects your credit score a few points (less than 10) for up to one year. As the hard inquiry ages, it affects your score less negatively. Unless you see the firm's inquiry clearly listed as a hard inquiry on your credit report, this inquiry won't affect your score. Clearly, the...

    Credit Score Rating System

    Eva Said:Does anyone know on the experian credit scoring system of 1 - 1000 what the point bracket is for a good ratingWe Answered:Your thinking of the new Vantage score that goes from 501 to 990. The brackets are as follows; A 901-990 B 801-900 C 701-800 D 601-700 F 501-600 Experian is the only one using this scoring system, the others Equifax and Transunion still use FICO which scores from 300 to 850, their tiers are as follows; Elite 740 & up Prime 700-739 Preferred 660-699 Standard 625-659 Sub-prime 624 & lowerThelma Said:Where did the credit score number idea originate from? It didn't exist 10 years ago....?We Answered:Actually the scores have...

    Debt Consolidation Credit Rating

    Ronnie Said:What effect does using one of these "debt consolidation" companies have on your credit rating?We Answered:Jimbo, I listen to a radio show every day (Dave Ramsey ...look it up, it's pretty interesting). He says that debt consolidation does some damage to your credit rating, they're not good plans and sometimes the mess up. He also notes that if you don't change your behavior, you're going to get back in debt. He has a process where you pay minimums on every debt you have and then pay everything you can on the smallest. Then once...

    Financial Credit Rating

    Marlene Said:Does having a joint bank acc constitute a financial relatsionship for credit rating?We Answered:If it's just a joint savings or checking account, that has no barring on credit rating. It's only if you have a joint credit card, that it would.Kirk Said:Explain the role credit rating agencies played in the current financial crisis?We Answered:I fail to see the relationship between the credit reporting bureaus and the current financial crisis. All the credit bureaus do is report the information that is reported to them by lenders, banks and credit card companies. If people borrowed more money then they could afford then...

    Find Credit Rating

    Jennie Said:Where do I find "loans for people with poor credit rating"?We Answered:Loans are ok if you use them properly. You may have made some mistakes in the past with your credit and now wish to rebuild it. Giving for the holidays is a good reason to borrow if your circumstances have changed and you now are ready to borrow responsibly. So I have listed a source where you can get loans for people with poor credit rating....

    Find Credit Ratings

    Dwayne Said:I live at home with my parents with bad credit ratings, does this affect my credit history?We Answered:No, your parents credit history, good or bad has no bearings on your credit rating unless you have your name on any of their loans etc. Be sure to not let your parents take advantage of your clean on non credit history to apply for loans etc in their names. However, if you're not yet in a position be able to afford to move out, this is of no immediate concern. If you have no utilities in your name and no...

    Find My Credit Rating

    Melanie Said:i need to find my credit rating without having to pay an upfront fee,is there any in Canda?We Answered:Try www.annualcreditreport.com. If that isn't it, try free annual credit report .com.Kevin Said:How do I find out my credit rating?We Answered:if you want to check your credit rating for free , check out this site http://free-credit-rating-check.info Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score. Hope this help,Virginia Said:How can I find out my credit rating?We Answered:Pay on time ALL the time.......ALL Bills........ Pay MORE than the minimum monthly credit card payment, preferably several times more each...

    Find Out Credit Rating

    Michael Said:How to find out my credit rating and details about my credit worthiness?We Answered:if you want to check your credit rating for free , check out this site http://free-credit-rating-check.info Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score. Hope this help,...

    Find Out My Credit Rating

    Anita Said:How to find out my credit score?We Answered:To get a credit report in the UK, you will need a UK address, registered on the electoral register and have proof of an income going into a British bank account. Your record with the German bank will help when you come to apply for credit in the UK, but you are right, that you need credit to get credit. The average credit score that lenders like in the UK is around 750 out of a 1000. Above this and you will be plagued with offers of credit cards. Below 600 and you will...

    Find Your Credit Rating

    Robert Said:If one mortgage company can't find a loan for you because of your credit rating, can we try another one?We Answered:They work with different banks. Don't deal online, those are scams, especially those that cruise around Answers looking for victims. Ask your real estate agent to recommend someone. They usually know who can perform and it is in their best interest to help you find a loan.Connie Said:How do you find out your credit rating the numbers out off 999?We Answered:If you are a UK resident then the best way is to join Experian on a free...

    Fitch Credit Rating

    Elmer Said:Cell Phone Poll - AT&T, Verizon, Sprint, or T-Mobile?We Answered:I liked cingular until AT&T bought them and now I have verizon and really can care less for all of them because of the high price they charge! Poor people have a voice also! Oh and I'm getting poorer! Go Obama you b tch and on the way out take Bush with you!Robert Said:What's the difference between a bank credit card and a store credit card?We Answered:Store credit cards have higher interest rates. They approve more applicants more likely than banks, as they take on the risk of people with bad...

    Fixing Credit Rating

    Amanda Said:I am fixing to apply for a loan to purchase a house. I am wondering how it would affect our credit rating?We Answered:For buying a house Credit History is much more important than credit score. Often, the lack of credit history is equated with bad credit. You should be aware that lenders will go through your credit report once you apply for loan for buying a house. Therefore you should polish your credit report. Anyway, in order to establish a good credit history and at the same time risen your credit score in a short time do following things: 1)...

    Fix Credit Rating

    Harold Said:How can you fix a bad credit rating?Do late c/card payments give u a bad rating?We Answered:You've already got a lot of good advice here, but I'm summarizing here for emphasis. Pay your bills ON TIME, pay all those old debts you've been HIDING from, CUT UP your credit cards, and (unless you are starving or sleeping in an alley somewhere) PAY AS YOU GO. It feels soooooo GOOD to be debt free. You do need to have a good credit rating to ever buy a house, so you should only use a credit card when...

    Fix My Credit Rating

    Edith Said:How can I fix my credit rating?We Answered:?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - freecreditreport.hotusa.orgHilda Said:How can I find a website about how to fix my credit rating?We Answered:Here is a pretty good blog about how to take certain steps to fix or improve your credit rating and FICO score..... http://fixingyourcredit.blogspot.com _________Jeffery Said:Is there a way to fix my credit rating quickly after foresclosure?We Answered:You should use credit repair agency to fix your credit - for example this one - http://creditreport.fateback.com - They...

    Fix Your Credit Rating

    Leah Said:How long does it take to fix your credit?We Answered:?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - freecreditreport.deep-ice.comLester Said:does those " fix your credit " advertisments really work ?We Answered:?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-score.10001mb.comNancy Said:How do you fix your credit in order to obtain a good rating in a span of 12 months?We Answered:?redit repair work?d fine to fix my credit....

    Free Canadian Credit Rating

    Byron Said:FREE credit rating for CANADIANS?We Answered:I beleive you can have your bank check your credit rating for free.Yolanda Said:Being Canadian, why can't I get a free credit rating?We Answered:Yes you can I'm canadian and I requested one,can't remember which one from the 3 companies I got it from. You have to send them photo copy of your passport,license,etc.You are entitled to 1 free one (I believe once a year) any questions email me.Dorothy Said:I have a car accident benefit lawsuit settlement, wonder which method is best:self invest or structure invest?We Answered:See an 'Edward Jones' investment planner. The company...

    Free Credit Ratings

    Ella Said:Rate the free credit report sites IE. freecreditrepot.com annualcreditreport.com?We Answered:Do not trust any free credit report sites except those officially authorized by the Federal Trade Commission which include the 3 main companies that compile your credit score (Equifax, Experian, and TransUnion). My source includes official government information regarding free credit reports and how to get one. It doesn't make sense to trust other credit reporting sites when you can get information officially from those that actually compile your credit score. "The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies...

    Free Credit Rating Canada

    Ida Said:where can i find my free credit report in canada?We Answered:You can contact Equifax Canada and Trans Union Canada. Equifax Canada National Consumer Relations P.O.Box 190, Station Jean-Talon, Montreal, Quebec H1S 2Z2 877.493.8785 Trans Union Canada P O BOX 338, LCD1 Hamilton, ON L8L 7W2 800.663.9980Becky Said:Should the USA take lessons from Canada in politics?We Answered:Americans should look at both the good and bad areas of Canada, similar to what us Canadians have done of the US. But only as an example .. not a total direction shift. Edit: Also forgot to mention, I believe in uniqueness. The US should not strive to be Canadian nor should Canada strive...

    Free Credit Rating Reports

    Mary Said:How we find out our free credit score rating and report?We Answered:if you are looking for the free credit report usa national site, check out this site http://free-credit-report-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating. Hope this help,Jeffrey Said:Is there an online web site to check your credit rating for free?We Answered:if you are looking for the free credit check usa national site, check out this site http://free-credit-check-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.Mark Said:Is there a way to check my...

    Free Credit Rating Score

    Emily Said:Where do we check our free credit score rating?We Answered:if you are looking for the free credit score and report usa national site, check out this site http://free-credit-report-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.Kathryn Said:Where can you check free credit score rating?We Answered:if you are looking for the free credit score and report usa national site, check out this site http://free-credit-score-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.Olga Said:Where do I check a free credit score rating?We Answered:if you are...

    Free Credit Rating Uk

    Janice Said:where can i view my credit rating for free in the uk?We Answered:even though I'm not in the UK, but here in the united states we check our credit report free at www.freecreditreport.com. That is freecreditreport.com you should include spaces or perhaps not.Danny Said:Doesnt the Bank of England cutting interest rates in the UK only encourage more spending on Credit?We Answered:A cut in interest rates by 0.25% reduces the monthly instalments of those who had mortgages with variable interest rates. But with the current credit crunch, banks may be reluctunt to lend mortgages to new house buyer with...

    Free Credit Score Rating

    Gordon Said:How to check our free credit score rating?We Answered:if you are looking for free credit score usa national site, check out this site http://Free-Credit-Score-National.com Here you can get your 3-in-1 free credit score and credit reportEvelyn Said:Where exactly can we check credit score rating for FREE?We Answered:if you are looking for the free credit score and report usa national site, check out this site http://free-credit-score-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating....

    Free Online Credit Rating

    Angel Said:If I get a free online credit report, will it damage my credit rating?We Answered:creditreport.imess.net - try this site. I use it to monitor my credit and also cleaned off some bad items from my credit report. You can apply for free initial plan and get your scores and reports for free.Lloyd Said:Where do I go to get a free online credit score rating if I already heave my credit report?We Answered:if you are looking for the free credit score and report usa national site, check out this site http://free-credit-score-national.com/ Here you can check your 3-in-1 Report from all three credit...

    Generate Credit Card Number

    Mildred Said:Is there any philippine bank that issues virtual credit cards?We Answered:...bank of philippine islands (bpi) has virtual credits, also known as e-credit. http://www.halohalo.ph/artcontent.php?ar…Christian Said:In Javascript, how to determine the give number whether it is a credit card number or itz a debit card numberWe Answered:It's called the 'Luhn' algorithm Google for 'luhn javascript' However this won't be a complete check - it can't tell you if the cc number actually exists....

    Generate Credit Card Numbers

    Kathryn Said:has anyone heard of partner with paul?We Answered:Take a piece of advice from an old fart: If it sounds too good to be true, it isn't true. Don't do it.Calvin Said:need a program that generates credit card numbers wiz expiration date?We Answered:I have never heard of a program that does this. And I think it would be illegal, depending on what you plan to do with such a thing. Also, unless you stumbled across the right number and experation date, the "card" would be seen as invalid by an online retailer. If you did find the right one, you would...

    Generating Credit Card Numbers

    Roy Said:How do credit card rewards work?We Answered:The reason why credit card companies offer rewards programs is to encourage spending. Through spending, the credit card companies and retail stores can generate more income. In return, you will be given points. Therefore, the more you spend, the more points you can have. But don’t make this an excuse for overspending. The rule of thumb here is to use your rewards card whenever needed and possible.These rewards vary from free miles to discounted flights, trips, holidays, special gifts, bigger discounts, and cash or balance rebates. But before you can get these rewards, you...

    Good Credit Rating

    Wallace Said:Do i have a good credit rating at 18 year old?We Answered:Credit rating is not about how much you have in the bank but how you handle your finances: Pay your bills on time have a steady job have a stable address not live with people with bad credit history don't apply for too much credit (loans and credit cards) at the same time - and when you do, pay them on time even your post code can affect your credit rating keep an eye on your credit file with equifax or experianDon Said:If I cancel my credit cards will I keep my good credit rating?We...

    Good Credit Ratings

    Henry Said:what is considered a good credit ratings?We Answered:FICO scores range from 300-850. Scoring model as shown: Elite: 740-& up Prime: 700-739 Preferred: 660-699 Standard: 625-659 Sub-prime: 624-& under The following factors make up your FICO score: 1. Payment history (longer the better) 35% 2. Time in bureau (longer the better) 15% 3. Types of credit (mix of credit cards & installment loans) 10% 4. New credit (new accounts and inquiries) 10% 5. Debt to credit ratio (lower the better) 30%Fred Said:At what number does fair end and good begin on credit score ratings?We Answered:The average US credit score is 692. Generally "good" begins at around 660. Those with...

    Good Credit Rating Score

    Pauline Said:what can I do to boost my credit score and turn my credit situation to a good one?We Answered:The biggest negatives on most bad credit scores are late/missed payments. PAY ON TIME for every bill and your score will rise steadily over time. Here are some other ways to raise your score: -Don't ask for new loans unless 1) You need it AND 2) You're pretty sure you qualify for the loan. Having more than 1 or 2 requests for credit during a year lowers your score. -Never cancel your oldest credit card that doesn't have an annual fee. ...

    Good Credit Score Rating

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    High Credit Card Interest Rates

    Dave Said:Can high credit card interest rates promote recession?We Answered:Yes,because it lessens the amount of money you would have for future purchases.Marilyn Said:What elected officials would I complain to about credit card companies high interest rates?We Answered:When you contact your representative, ask them why the Credit Card Reform Act of 2006 didn't get any attention and died in committee...... I heard they were trying to introduce this bill again...maybe this time it will pass.Arthur Said:Should I cancel credit card with high interest rates?We Answered:keeping a credit card with 0 balance actually helps your credit more, so I would say keep them,...

    How To Improve Credit Rating

    Alice Said:Wage earner bankruptcy paid off, now how to improve my credit rating?We Answered:Read This : - " How To Recover From Bankruptcy - Easy Ways To Improve Credit Rating " http://www.flixya.com/post/GOLDCash360/8… ...Bill Said:How can a person improve a bad credit rating?We Answered:You've got plenty of good answers on here. The only thing I'd like to add is that he should get a better understanding of exactly WHAT goes into the credit score. The better he understands the system, the better job he can do at improving his score AND keep it in good standing. To know how they come up...

    How To Improve My Credit Rating

    Melissa Said:How to improve my credit rating?We Answered:To improve your credit you need to understand what makes up your score. 1. Payment history 35% 2. Time in bureau 15% 3. Types of credit 10% 4. New credit 10% 5. Debt to credit ratio 30% As you can see 1,2 & 5 are the most important as far as score goes. You need to have your credit card balances at 30% usage or less and always pay on time and in full if possible. To have the best score/profile people need 3 credit card accounts (revolving) with balances below 30% of their limits...

    How To Increase Credit Rating

    Allen Said:Does any one know how to increase the credit Rating?We Answered:Make your payments ontime, make sure nothing else gets put on your credit report as a negative. Dispute any negatives that can be disputed!Everett Said:A FICO of 720 gets some of the best car loan interest rates, so, how does high credit debt increase the rate?We Answered:Banks look at not only score, but your debt to income ratio. So 80% usage is not a big deal unless that balance and applicable payment is a huge chunk of your monthly income. If your income is being...

    Improve Credit Ratings

    Andrea Said:is buying trade lines to improve credit ratings legal?We Answered:I'll make this short, sweet and simple. No. Not only it's illegal, the credit bureaus are aware of this practice and they're no longer recognizing it.Stephanie Said:Will my credit score improve when I take care of old debts?We Answered:Delinquent medical bills had alrealdy ruined your credit rating, and paying off does not necessary improve it. But if you don't pay off, it further erodes your credit rating. The best way to improve your credit score is to pay 90 to 100% of your revolving charge account balances (credit card and store...

    Improve Credit Rating Uk

    Mabel Said:How can i improve my credit rating? (UK)?We Answered:I had this problem too - I opened a capital one visa credit card account online. they only gave me a limit of Ł250. You might even have to pay a deposit to get one, but they usually do give you something. I then bought the odd few things on it each month, but paid it off in full every month - even if it was just Ł10 petrol....so that i used it and paid it off. that works wonders, but it still takes a few months to sort itself out....

    Improve My Credit Rating

    Gregory Said:How do I improve my credit rating?We Answered:Paying off your debt is the best way to improve your credit score. You should make this your primary goal until your debt is gone. Yes, some employers may check your score, but most probably won't, unless the job involves dealing with money. Call the American Consumer Counseling Center - unlike a lot of those "debt solution" places, this is a non-profit and won't take your money. They can give you some great counseling and advise you on the best options for your particular situation. American Consumer Counseling Center http://www.consumercredit.com/ or...

    Improve Your Credit Rating

    Laurie Said:Does a balance transfer improve your credit rating?We Answered:It probably won't improve your score. It probably won't do much of anything to your credit score unless you keep opening new accounts to transfer the balance, in which case it would probably hurt your credit score.Marc Said:Will an unused credit card improve credit rating ?We Answered:Since 30% of your score is based on your debt to credit ratio simply having a credit card and not using it will raise your score. But using it for every day things and paying it off in full every month will raise your score a...

    Improving Credit Rating

    Vicki Said:What can I do to improve my credit rating?We Answered:the main thing to keep in mind is to avoid by hook or crook anything negative going on your credit from this point on forward. This means keeping control of your credit and making it work for you. This means not being late on any bills at all ...whether its your home phone bill, cell phone bill, electricity bill, water bill...whatever. In fact, you could use those utility bills in some instances to show that you pay some bills on time even though you have no current active profile....

    Improving Your Credit Rating

    Angela Said:If banks increase your credit card limit, is that a sign your credit rating is improving?We Answered:No, it's s sign that they want to make more money out of you by getting you to borrow money at a high rate of interest....

    Increase Credit Rating

    Luis Said:What is a good free way to increase your credit rating?We Answered:Credit scores are based on the following factors; 1. Payment history 35% 2. Time in bureau 15% 3. Types of credit 10% 4. New credit 10% 5. Debt to credit ratio 30% To have the best credit score and profile people need 3 credit card accounts (revolving) with balances below 30% of their credit limit and 2 cars, boats, homes, furniture or personal accounts (installment) all with good long payment history's.Naomi Said:Does canceling a credit card increase your credit rating??We Answered:I agree with ablex, J-Kitch, and Matt. This is...

    Individual Credit Rating

    Brett Said:How do I get a CCJ issued against a debtor and do i have to report it to credit rating agency, if so then how?We Answered:jeezus you dont sound a full shillng. I reckon you'll soon go bustDiana Said:What can a low-income, disabled individual do to improve credit rating?We Answered:request a copy of you credit report fo free (see link below) and see if there is anything on there that should be removed or shouldn't be on there. You may be surprised by what you find.... Also get a secured card that has a set limit and try establishing...

    Insurance Company Credit Rating

    Tamara Said:why does my car insurance company want to check my credit rating if I want to purchase renters insurance?We Answered:It gives the company a better idea of the character of the person. If you don't pay your lenders back it shows that you are less responsible overall. I'm sure there are other reasons as well such as- wanting to know if you're going to make your insurance payments on time, will you lie about what items you own, who lives in the dwelling, etc.Mae Said:need fair rate homeowners insurance without penalty for credit rating?We Answered:most companies do consider credit...

    Interest Rate Credit Score

    Joann Said:Will the credit card interest rate increases happening negatively effect my credit score?We Answered:The interest rate itself is not a factor in your credit score. But, the effects of the interest rate hike could hit your score. If the increased rates make you miss payments, or cause your balances to get closer to (or over) your credit limits, then it would have a negative impact. The negative impact is the same whether its from increased interest rates or from you just not paying your bill. If you stay current and keep the balances low, it won't affect your credit.Jonathan...

    International Credit Rating

    Adam Said:International credit rating?We Answered:Credit reporting agencies such as Equifax, TransUnion, Northern Credit Bureaus and Equifax, and others only collect information from creditors about consumers’ financial experiences in a particular country and is seperate from other countries credit reporting agencies and vice versa. There are many reasons why credit reports do not transfer from one country to the next. The main reason behind this is because of differences in national laws. Every country, and the European Union, has its own laws governing credit reporting and information use. In addition to legal barriers, there are significant contractual complications around how businesses...

    Investment Grade Credit Rating

    Travis Said:How do you find out if your high yield fund has real levereged buyout junk or good but lower qualitybonds?We Answered:As PK mentioned you have to check what the fund is invested in. Of course for us neophytes, that does not help a whole lot. After all S&P and Moody were rating mortgage backed paper as investment grade until very recently. They have also been know to rate as AAA paper that was worthless. For what it is worth there may not be any good lower quality bonds. Even some higher quality bonds may...

    Is My Credit Rating

    Christine Said:Any ways of improving my credit rating quickly?We Answered:Unfortunately, this isn't a Staples commercial, and there's no "easy button" to improve your credit quickly. 15% of your score depends on how long you've been establishing credit, meaning that it can take a lifetime to build it up, and blink of an eye to ruin it.Marvin Said:How soon is your credit rating affected after phoning to close a credit card?We Answered:The credit card companies make non-rush reports periodically, not immediately. They may do it weekly, or twice a month. Closing the credit card actually can lower your credit score....

    Loan For Bad Credit Rating

    Alma Said:would my Mobile phone bad credit rating affect my home loan application?We Answered:~~Yes it could. You have to know your credit score to know for sure. Right now the lending process for home loans is so stringent and difficult, people with very secure jobs and high credit scores are still having an extremely difficult time getting loans approved ( I just talked to my uncle about this, and he is a real estate broker). So the best thing to do is go through a lender and get pre-approved for a home loan to know where you stand.~~Raul Said:PGCE student...

    Loan For People With Bad Credit Rating

    Elsie Said:Is there a good loan for people with low credit or bad credit?We Answered:if you are looking for the best and fastest loan website, check out this site http://Best-Payday-Loans-USA.com/ Here you can get the best rates available for you.Alfredo Said:!!!Loan & Credit Rating Help Please!!!?We Answered:Sounds like you are trying to get an unsecured loan..........that means they are basically trusting you to pay it back because there will be no collateral, like a car, to seize if you default. These kind of loans are really mostly for lenders very best customers and are difficult to obtain. you're also missing some key...

    Loan Rate Credit Score

    Maurice Said:How close to the prime rate will a non-business high credit score customer get for 30,000 dollar loan?We Answered:It depends on whether or not it was collateralized. If it is, you could expect about one percent over prime, but probably more like two percent. If it was a signature loan, based on your personal financial and good score, you might get two percent over, but more likely three percent. It also depends a lot on how good of banking relationship you have with the loan officer.Rene Said:how can i estimate my mortgage interest rate? (giving credit score-loan ammount,etc-but not...

    Lowest Credit Card Interest Rates

    Debbie Said:Can the soldiers and sailors civil relief act be used to lower credit card interest rates?We Answered:The question is, did you have those credit cards before you joined the service. If you had them prior to joining the service you can make your request to lower the interest rates as per the SSCRA. It doesn't matter who you are as long as you are serving in the military.Miguel Said:Will Credit Card interest rates lower now, since the bail out was approved?We Answered:Those are not credit card rates they are national interest rates.Christopher Said:What is the lowest interest rate credit...

    Low Interest Fixed Rate Credit Card

    Harvey Said:Are there any decent fixed-rate, low-interest dental loans out there?We Answered:All financial institutes and banks offer personal loans. The basic aim of a personal loan is to provide essential finance to fulfill all the demands of an individual at best terms and conditions. Personal loan is a multipurpose loan; it can be used for a number of purposes including home renovation expenses, purchase of a car or bike, wedding expenses, education expenses, holiday or to payoff all the current debts to improve credit score. http://www.worldbestloans.com/personalloans.htm Borrowers with bad credit history, who find difficulty to get unsecured personal loans, can also apply...

    Moodys Credit Rating

    Glenn Said:If Fitch, Moody’s and other credit rating companies committed fraud, why are they not held criminally liable?We Answered:Great question, CNBC did a 2 hour special about this called "House of Cards." I'm not sure why they have not been held accountable for what they did. They claim that had complex mathematical models that clearly showed these bundled mortgages could not fail.Irma Said:What's the best way to petition against credit rating agencies?We Answered:There is a law for you to know. By law you can get your credit rating for free once each year.Donald Said:The value of preferred...

    Moodys Credit Ratings

    Jane Said:To avoid deficit and financial problems in the future, why not bring back the Bush team along with Wall Street?We Answered:I would prefer that we pay as we go as recent legislation indicated that we should.....

    Moody Credit Rating

    Pamela Said:Shouldn't Moody's and S&P, the credit rating company, be seized for fraud and its workers jailed?We Answered:I completely agree - something definitely needs to be done to reform these ratings companies. The financial institutions that created these toxic waste securities had to pay to have their securities rated. And if they didn't like the rating they were given, they could choose to take their business to a different rating agency until one of them gave them the rating they wanted. That's an obvious conflict of interest: Of course Moody's would want to give good ratings...

    Moody's Credit Rating

    Joshua Said:US government will lose bond rating because of impending fiscal crisis. Should we still spend more money?We Answered:Well, welfare and medicare are presently unfunded future mandates. If the government had to carry current cash reserves against future unfunded liabilities, like it makes corporations do, that would run into the trillions. Even without a new health care plan, we are fiscally looking at trouble. The escalating costs of these outlays will balloon, just like the payments did for those sub-prime mortgages. And this country will be in the same position as those borrowers - except there will be no nanny-state to...

    Moody's Credit Ratings

    Scott Said:Libs are you going to blame Bush or Obama on America's credit rating because of spending and debt?We Answered:They will blame Bush. But the Democrats were in charge of the government since 2005! A wash. Hey 'Kenny J', Hate-Filled Min. Louis Farakahn gave Obama that term "the Messiah" during the campaign. Get YOUR facts right.Johnny Said:Might this be one of Obama's more lasting legacies?We Answered:Yes Obama will not be happy until America fails, that is his goal.`Emily Said:What will happend to all insurence holders from AIG, if the company does not make it? ?We Answered:IF they filed for...

    Mortgages For Bad Credit Rating

    Rodney Said:My girlfriend and i really want to get a mortgage but our credit rating is bad. any ideas who can help us???We Answered:Are you in the UK, Have you tried Northern Rock - I have my mortgage through them for the same reason. They are a high street lender & not one of these backstreet organisations. Another plus side is to have a deposit - I got mine based on 100% so no deposit, the intrest is higher. Mke sure you do plent of shopping around & try to find a good reccomended independant finacial advisor if your still stuck. ...

    My Credit Rating Australia

    Dave Said:Credit rating (AUSTRALIA)?We Answered:Unfortunately there is no easy answer here. The first thing you need to do is to contact the companies concerned explain what has happened and set about repaying the outstanding amounts. Once the debts are paid you will need a substantial deposit probably around 20% but preferably more. Because you have an adverse credit rating you will be deemed as a higher risk than someone who hasn't and you will need to mitigate this risk. The size of your deposit will do this as no financier will be prepared to risk any exposure on the deal....

    My Credit Rating Free

    Timothy Said:How can I check my credit rating free from Experian?We Answered:You can't. It costs Ł2 to view your report. Get the address and send a postal order or cheque...Jeanne Said:Is there a way to check my free credit rating?We Answered:if you are looking for the free credit check usa national site, check out this site http://free-credit-check-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.Eugene Said:How does one find out about their own credit rating.free?We Answered:Unless your state doesn't participate, you can get a free credit (once a year) report...

    My Free Credit Rating

    Clarence Said:Which site can i go to to check free credit rating?We Answered:if you are looking for the free credit check usa national site, check out this site http://free-credit-check-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.Earl Said:Do you know which site can i go to to check free credit rating?We Answered:if you want to check your credit rating for free , check out this site http://free-credit-rating-check.info Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score. Hope this help,...

    National Credit Rating

    Sylvia Said:Why are Obama, Dodd, and Frank planning a big financial regulation overhaul without a full fed audit?We Answered:Because those three want to give us the coup de gras, or fatal shot, in their mission to destroy our economic future, in my opinionPriscilla Said:I have found the national interest rates for auto loans, how do I calculate the rates for poor or good credit?We Answered:There are many auto loan options available today. Today, stiff competition among auto loan financing companies<!--has made it possible to get a car loan or an auto loan at favorable terms. http://best-loans.awardspace.com/autoloans.htm However, before you sign the...

    Online Credit Ratings

    Lynn Said:What affects Credit Ratings / Score?We Answered:Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulas for calculating credit scores are closely guarded secrets, the Fair Isaac Corporation has disclosed the following components and the approximate weighted contribution of each: [2] 35% — punctuality of payment in the past (only includes payments later than 30 days past due) 30% — the amount of debt, expressed as the ratio of current revolving debt (credit card balances, etc.) to total available revolving credit (credit limits) 15% —...

    Out My Credit Rating

    Calvin Said:How do I find out about my credit rating?We Answered:https://www.annualcreditreport.com/cra/i… this site if free once every 12 months. you can also contact the 3 major credit bureaus: Equifax - http://www.equifax.com/freereportandcred… Experian - http://www.experian.com/lp/credit-report… TransUnion - http://www.transunion.com/Jeanne Said:how do i find out what my credit rating is in australia?We Answered:Hello, absolutely, go to www.mycreditfile.com.au and you can order a copy of your credit report within 10 days for free. Otherwise, if you want it sooner it costs about $30 (tho in my experience its normally quicker). You can do this as much as you like. If a website tells u it will cost money...

    Poor Credit Ratings

    Javier Said:why do cops have such poor credit ratings?We Answered:I assume you generalize all cops have poor credit ratings? If that is the case in todays society why does anyone have such poor credit? The entire society has declined recently and everyone is feeling the pinch in their wallets, it doesn't matter what you do for a living.Lydia Said:poor credit rating please help?We Answered:8 G's is a lot of cash unless you have good collateral, nobody is going to loan you that with bad credit.Jeremy Said:Credit cards for poor credit ratings?We Answered:You have a few options available if...

    Poor Credit Rating Uk

    Kathryn Said:Credit - I am a UK citizen with a poor credit rating, and I want to try to repair it. Any useful w/sites? ?We Answered:You could try Experian because they are the company that control your credit rating. On the website you submit your details and for a snall fee each month you can keep track of your rating and they explain if it is a good rating or not. They also inform you of any finance you have applied for and how this has affected your rating. They give advice on how to improve your credit score. http://www.experian.co.uk/index1.html You...

    Rating Online Stock Trading

    Mattie Said:How do they charge you for stock trades made online?We Answered:They charge per TRADE, not per share. Otherwise, if the fee is $10 and you buy 10,000 shares, the cost will be too prohibitive if they charge per share And the fee depends on the brokerage or online trading site you participate in. Some will charge you lower rate if you hit a certain number of trade per year or if you have certain amount in your account. Check with the trading company or site you want to use for their feesThomas Said:What are the pros and cons of online stock...

    See My Credit Rating

    Gregory Said:experian credit rating.....need answer asap please!?We Answered:Yes, the other posters are right that the lender will pull your credit report and score regardless of whether you pull it or not. But, you CAN get a free credit report AND a free score from a number of the credit reporting sites. The catch is, you get these freebies if you agree to a "seven day free trial" of their monitoring service. If you don't call them and cancel in the seven day trial period then you will automatically be charged for a monitoring service - which is fine if...

    Standard And Poors Credit Rating

    Christopher Said:How would you assess credit risks for a reinsurance company?We Answered:a rating agnecy should provide this information like standards and poors or AM BestBryan Said:How can I find out the rating of HSBC Insurance?We Answered:The insurance rating companies are AM Best, Fitch, and Standard and Poors (ambest.com, fitchratings.com, standardandpoors.com). They will make you register to the rating, but you can get it there. Although if you are getting a legit offer the rating from at least one of those companies (usually the one that rates them best) should be buried in the information you got. HSBC...

    Standard And Poor Credit Rating

    Alvin Said:Does d downgrade credit rating of d Phils. by standard&poor,affect our business environ.especially stock mrkt?We Answered:If you get lower rating (while everybody has same ratings) it means that investing into your country becomes more risky. Higher risks and same profits shifts capital toward same-profitable but less risky investments. So it is possible that foreign investors may move away from your country or reduce investment speed (in case if they have better opportunities - but if not, then there might be no any changes)Kyle Said:Are you in favor of lowering the standards of credit scores to help the economy?We Answered:I'm...

    Standard And Poor's Credit Rating

    Tiffany Said:Do you share obama's vision for america?We Answered:No I don't. Tens of millions voted for Obama and the Democrats last November in the hope that the Democratic Party would reverse the policies of the Republican Party and the Bush administration: militarism, attacks on democratic rights and the destruction of the living standards of working people. But the promises of “hope” and “change” have proven to be illusions. Trillions have been turned over to Wall Street in the form of loans, guarantees and cash handouts from the Treasury and Federal Reserve. But what have the first four months of the Obama administration...

    Standard And Poor's Credit Ratings

    Erika Said:Britain's banks downgraded by Standard & Poor’s, when will the Government do something?We Answered:This comes of New Labour de-regulating the banks back in 1997 and allowing then to gamble on the international markets, plus their failure to get a grip of Government expenditure. Basic economics state that you cannot live by borrowing more and more. Eventually you have to pay off the debt - that is an impossibility under this Governments financial expenditure, they are already scraping the bottom of the taxation barrel and the taxpayer has nothing left to give. The UK has basically been taken up sh!t creek...

    Standard Poors Credit Rating

    Mathew Said:Another bond question for accounting class.Please help?We Answered:3) the coupon rate on the bonds would be higher if all 3 companies assigned lower ratings This is false. The coupon rate is whatever the company sets it at. The Yield to Maturity rate will fluctuate depending on, 1) the credit ratings assigned by the three agencies, and 2) the current market rate. All the other answers are true.Gwendolyn Said:Why does the world base it's worth on its debt ? Standard & Poors down Grading Spains Credit Rating ?We Answered:We were feared into thinking we will not have enough gold to back money...

    Standard Poors Credit Rating

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    S P Credit Rating

    Melanie Said:Is an abstract of judgment and the actual judgment the same for credit recording purposes?We Answered:An abstract means that the judgment was microfilmed and the abstract provides a link to the microfilm records - has nothing to do with the judgment especially if it was satisfied.Josephine Said:Still Scratching Head About Housing Bubble and Credit Crisis?We Answered:You've told the truth and nothing but the truth, but you did not tell the WHOLE truth. The substandard loans were initially forced upon lenders and brokers by a succession of laws and regulations from the Democrats in power when Jimmy Carter was president up...

    Top Rated Credit Cards

    Dale Said:Why do people prefer to use credit cards instead of debit cards ?We Answered:Debit cards aren't necessarily free to use. My credit union allows 4 transactions per month free and then you have to pay a fee per transaction after that. Some stores also charge a fee to use a debit card. If you pay your credit card balance in full each month you don't pay interest so you're coming out ahead there. Also, debit cards get deducted immediately and many people are walking a thin line with overdrafting and can't afford the fees for that. Many people...

    To Improve Credit Rating

    Renee Said:What is the easiest and quickest way to improve credit rating?We Answered:First, make sure all the information on your credit report is accurate. Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly. Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line. Finally, if you have bad or no credit and...

    Trw Credit Rating

    Mario Said:On a bad credit car loan what interest rates can i expect?We Answered:Hi, I have a bankruptcy in my past and both of my boy's vehicles were on it and I just bought a used 2007 Taurus and got 8% car loan interest rate from http://quick-and-easy-auto-loan-usa.blogspot.com/ . This is in Nebraska. Hope this help, StephaneLeslie Said:on a bad credit car loan what interest rates can i expect?We Answered:I have a bankruptcy in my past and both of my boy's vehicles were on it and I just bought a used 2007 Taurus and got 8%. This is in Nebraska.Geraldine Said:What actually happens when...

    Unsecured Loan Bad Credit Rating

    Joel Said:Where can I get an unsecured loan if I have a bad credit rating?We Answered:citifinancialRebecca Said:what would the interest rate be for a $1200.00 dollar unsecured loan with bad credit?We Answered:Probably around 24%. It is determined by your State's Usery laws.Lucy Said:Where can i find an unsecured loan with no/poor credit rating?We Answered:In order to build up a good credit history you need to get credit, but in order to get credit you need a good credit history. It a bit of a catch 22. Unfortunately because of the credit crunch lenders have tightened up their criteria and are...

    View My Credit Rating

    Holly Said:Improving credit rating?We Answered:I would suggest you try to contact the agency where you got your rating from.Daisy Said:Can you view who has accessed your credit score?We Answered:You can view which bank has pulled your credit and even some companies. But if a company is using a 3rd party to pull your credit (i.e. Factual data) then you will only see a Factual Data inquiry, and not the actual company who pulled your credit.Norma Said:Do lenders view student loans just as they do other debt such as credit cards?We Answered:If you are trying to consolidate, a potential lender...

    What Affects Your Credit Rating

    Alice Said:Can an unpaid medical bill affect your credit rating?We Answered:yesMary Said:Can not paying your medical bills affect your credit rating in North Carolina? What else can it affect?We Answered:Yes, it can affect your credit rating if the unpaid bills are reported to one of the credit reporting agencies. A poor credit rating can affect your ability to obtain further credit, and can affect your ability to obtain some jobs where your creditworthiness may be a factor in assessing your reliability for a job. A bad credit rating can also make it more difficult for you to obtain insurance or...

    What Is A Good Credit Rating

    Bobbie Said:What is considered to be a good credit rating to purchase a house?We Answered:660, no lates in the last two years. You will still get a loan, don't worry. Even 660 isn't that great (scale currently goes to 850). Get a 720 or higher and you will have no worries at all. I am also a veteran so take this on-board. Go shop your VA loan against the regular market. There are some very competitive products out there that don't have as many restrictions as a VA. While I am sure the other services have something...

    What Is A Good Credit Rating Score

    Jeffrey Said:Can anyone explain the experian credit scoring? What is the country average? What is a good score?We Answered:Experian uses the Vantage score system they score from 501 to 990 and it breaks down as follows; A-901-990 B-801-900 C-701-800 D-601-700 F-501-600 FICO scores from 300 to 850 and while they really have no breakdown this is how the largest credit union in Oklahoma see's it; Elite-740 & up Prime-700-739 Preferred-660-699 Standard-625-659 Sub-prime-624 & down. To have the very best score and profile people need 3 credit card accounts (revolving) with balances below 30% of their limits and 2 cars, homes, computers, furniture or personal accounts (installment) all with good long pay history's. Scores...

    What Is My Credit Rating

    Viola Said:What is the impact to my credit rating if a person who I loaned money pays me with a check that bounces?We Answered:It won't have any affect on you since your bank will not credit your account.You are out the money from your FRIEND?If you wrote a check from your account or were late paying your own accounts ,these would affect your credit rating.Viola Said:What are the best ways to repair a poor credit rating?We Answered:You can make a settlement with all of your creditors and pay 50% of what you owe. Creditors wont tell you but they will...

    What's My Credit Rating

    Heidi Said:What's the worst if I abandon my credit card debt for about 5 years?We Answered:Without passing judgment I will point out one thing, I'm not sure about Canada but in the U.S. if a person leaves the country the statute of limitations on their debts is put on hold until they come back. Your debt's will not show on your credit report but your creditors may very well still be able to sue you if you ever return.Tracy Said:What's my Credit Card Charge? Which rate am I charged?We Answered:the date on the bill when the bill is due is the...

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