I’m looking for a credit monitoring service where I can track multiple individuals’ credit scores. I’ve used MyFico in the past to get my credit score and track it. I’d like to also get/track the credit scores of my wife, children, and parents. I inquired at MyFico and it seems I’d need to […]
UK Credit Reports / Histories: I’ve seen loads of posts referring to the USA system of credit scores, credit histories, etc. but never seen anyone refer to an equivalent UK system. Presumably we have one, but how does it work? So far in my life I’ve been lucky, and never taken a bank loan or […]
How do Utility Bills addressed to my roommate affect my credit score? Both of our names are on the lease. However, all utility bills are adressed to my roommate. Our subletters missed a ton of payments this summer, and we got all sorts of mean letters about shutting off our gas/cable. Is my credit at […]
How do Utility Bills addressed to my roommate affect my credit score? Both of our names are on the lease. However, all utility bills are adressed to my roommate. Our subletters missed a ton of payments this summer, and we got all sorts of mean letters about shutting off our gas/cable. Is my credit at […]
Should I dispute the adverse item on my credit report or just pay it off? Also, will a balance transfer help or hurt me? Last July I moved and closed my account with my old cable company. I returned the equipment and paid the balance. I got a notice saying I owed them $69 but […]
A noobie question on credit scores! I know raising your score is partly done by reliable monthly payments on credit cards and loans - and people who are just starting out to build their scores, are often advised to get a card and begin to responsibly pay it off, to catch the notice of the […]
How do credit bureaus work in Canada and the US? As far as I understand, there are several major credit reporting companies in Canada and the US. How do they keep the data in sync? Do credit bureaus share data between each other? Do people have to ask all the bureaus in a country what […]
Why did my credit score go down? A few months ago, i signed up for a credit card through my bank that lets you access your FICO credit score online. I signed up for the credit card in hopes of building up my credit score which was, when i started a not-so-great 644. […]
How many credit cards should I have and what should my limits be for the best possible credit score? I currently have three credit cards. I use one or two of them for routine purchases throughout the month, but I pay them off when the bill arrives and do not carry a balance. […]
I want to buy a house. I have 20 grand but bad credit and a long term boyfriend with no money and good credit. What is the best option? I want to buy a house next year but my FICA/ credit score is really low due to a delinquent credit card debt that I was […]
Despite good intentions and record levels of responsibility, a stupid credit card screw-up and other small mistake just resulted in big fees and bad credit comments. How do I get these fees back and these comments off my credit report? I’ve been trying really hard to be frugal, pay everything on time, and pay […]
Security Deposit Dispute: Will going to court hurt my credit? I’m considering going to court to get back more of my security deposit and my landlord has suggested that going to court might hurt my credit rating. This thread suggests that a landlord could ding my credit rating over money I owe him, but […]
Credit Reports. I’ve just received mine from the big three via MyFICO.com. I’ve got above average scores (750+), but I see a bunch of old credit cards that may or may not affect my score. You see, I’m getting my finances in order to go home loan shopping for the first time. What’s steps should […]
CreditFilter: Does co-signing for my student loans affect my parents’ credit? My parents are concerned that cosigning for my student loans (which, before I complete my undergraduate studies, will probably amount to approximately $50,000) will adversely affect their credit. If not their FICO credit score, at least show up as some sort of debt […]