Cards | Fast2Learn Mortgage and Loan

Do credit checks negatively affect your credit score when you have no credit history?

Dec 022011

I’m looking for a credit card because I’m in college and i need to start building up my credit and i have applied for a few cards and have been turned down for lack of credit history. I know if a lot of companies look at your credit score it can hurt your score. Does that still happen if you have no credit score/history?

What are the details on using half your credit affecting on your credit score?

Credit Repair 2 Responses »

Dec 022011

I know that when you have a balance that is over half your credit limit, it hurts your score. Question is, let’s say I have 3 cards that have a 10,000 limit and I have no balance on two, but 8,000 on one, will this hurt? Does credit constitute all available credit, so 8,000 out [...]

Paying off debt – When to expect credit score improvement?

Credit Repair 7 Responses »

Dec 022011

My situation is that I had a lot of credit card debt, maxed out on a few cards. There were also a few late payments (I think maybe 2 showed up on my report as “30 days or more”), and the minimums were getting really high, and my score was pretty bad for a while. [...]

How much will my credit score go down by applying for a new card?

Credit Repair 15 Responses »

Dec 012011

I would prefer answers from people who work in the credit industry and can tell me roughly the number of points, and how long it will take for my score to recover once the new higher available credit kicks in… I know part of your credit score is determined by how much available credit you [...]

Recent Comments

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daljack 99% of the time those things on the curbs are broken or gross. When I have things to pass on I make sure it's something I would want myself. I do not give away clothes or items that are in disrepair.... Do you trash your belongings when you buy new things or do you find someone in need to give them to?
Lola I never toss out something that can be used by someone else. Push comes to shove I drop it off at the local Salvation Army post where they will make sure it gets to the right people. Do you trash your belongings when you buy new things or do you find someone in need to give them to?
sapphire_tear_z Clothes, if they are in use able condition, are sent to appropriate Charity organizations or to local orphanages. The furniture/TV/ Music system etc. is mostly passed on to whoever needs it around me... Do you trash your belongings when you buy new things or do you find someone in need to give them to?
proudnanny I usually try to donate my used stuff, if it is not in bad shape, but usually I wear my stuff till nobody else would want to wear it. I myself keep about 4 pair of pants, 2 shorts and shirts, one pai... Do you trash your belongings when you buy new things or do you find someone in need to give them to?
melspur82 You should negotiate with these ocmpanies to get them to report on your credit repor that they were paid in full, not charged-off. This typcially means that you didn't pay them and they wrote them of... Will my credit card to improve pay medical bills that were delinquent?
lingua06437 The charge offs will be on your report for seven years after the date you paid them off completely. Short term - your score won't improve. Long term - it will. Also - when you go for a loan in the ... Will my credit card to improve pay medical bills that were delinquent?
bluedecker97 Donate to OUT OF THE CLOSET stores and support HIV services. Do you trash your belongings when you buy new things or do you find someone in need to give them to?
outlook0330 Anytime you pay something off it will help, because that will be one less thing the lender will need to ask you about the next time you apply for credit some where. The bad news is that in my past, d... Will my credit card to improve pay medical bills that were delinquent?
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