My current credit score is 745 and I've built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the abscence of installement-paid loan will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score since I am planning to apply for a mortgage in the near future?
I have a very low credit score with old delinquent accounts. I have heard paying off old accounts is pointless, and will not improve your score. Is there any way to fix credit on your own with out the use of a lawyer etc.
I have paid for alllllll of my old collection accounts and I'm just waiting for them to drop off of my credit reports. I've been looking into credit repair service on line and wondering if they can actually help. All of the items on my reports are actually MINE and I did actually owe them, but they are all FINALLY paid off. Is there any hope to get them removed quickly?
I forgot that the account I set up to autopay my student loans ran dry (I was supposed to put more money into at after January, but I left the country and forgot).
How can I pay off the loan through the webpay system with only a credit card?
Do I have to use a third-party broker or something to create a temporary payment account?
Access Group does not accept credit cards through its normal webpay system. And I'm overseas, and there is no way in hell I'm giving them my local bank info for my new debit account.
Two or three type of companies are offering service to help me get my credit report. I wonder which could be best to deal with.
How do I get a credit score rating? Is it free to get my free credit score rating??
Also, what is the best range for my credit score?
How do I get a credit score rating? Is it free to get my free credit score rating??
Also, what is the best range for my credit score?
I want to buy a house and my credit is horrible. I know I can fix my credit myself, but I am so frustrated and drained from trying. I am thinking about hiring a credit repair company to help me, but when I look for reviews they are all linked to the companys actual website and I want honest user reviews instead of company propoganda. Has anyone used a credit repair service and how did it work for you? Did it raise your credit score enough to justify the fees they charge?
I am not talking about a great interest rate loan, but just baseline, what credit score do I need to qualify for a loan at all? Due to some student loan troubles over the last 12 months, my credit score plummetted into the 500s (from around 700), but I make 6 figures with minimal debt so I'm wondering where I need my credit score to be before I can even consider a mortgage.
Credit Repair