Credit score? How much will my credit score increase if I were to pay off 50% of my credit cards within a 2 month time frame? My current credit score is 568 and Im hoping to increase it to 700 :) Im planning on getting a car by the summer and I want a great credit score...

What credit score is needed to get the best fixed rate for consolidating accounts? Any suggestions on how to raise credit scores in the range of 597-607 received from all 3 credit reporting agencies. I have 2 mortgages which was done by the mortgage company a couple years ago to help my credit and both have high rates, 1 car loan, 5 credit cards, and a small loan company. I have been paying more on my credit cards the last 3 or 4 months to get the balances down. I want to consolidate the mortgages and the car loan in the future. But, not sure how high a credit score needs to be for the best fixed rate. Thank you for any help.

How will my credit score be affected by cancelling my credit card? I have had this credit card for 2 years now, and it charges an annual fee (it is designed for people with little credit and they report monthly to the bureaus). Less than a month ago, I was approved for a credit card with no fees and a lower interest rate. I would like to cancel the old card because I don't want to pay the annual fee, but how will affect my credit score? Should I keep it open?

How do I switch credit cards and not affect my credit score? I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don't need these credit cards and I would like to cancel them and have this "possible credit" to go towards the new card. I heard once that canceling a credit card has a negitive effect on your credit score. Is this true? If so, how do I switch credit cards and avoid affecting my credit score in a bad way?

What matters more your credit score or the contents of your credit report? If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won't really care about much else?

How high can my credit score climb if I have only credit cards in my credit history? 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?

Is there a credit score reporting agency that can give me my credit score? I really need a company that will tell me how to improve my credit score on MY specific credit report, not general tips.

What types of credit is needed to get a high score? My credit score is about 615. I am working on improving my score so that I can qualify for a mortgage loan with low financing in about a year or so. I currently have an auto loan, and 3 revolving credit accounts. (All bank credit cards) Two of the revolving accounts are new, and the other almost a year old. My auto loan will be a year old in July of this year. Should I apply for more credit to get my score higher? If so what type of credit? What is a good mixture of credit to have to get a person's score higher? Any advice is appreciated. Thanks!

How do you lower your credit limit without lowering your overall credit score? I have only have one revolving credit card, and I have a very high credit score. Because of this overall score they subsequently increase my credit line, even though I don't ask for or use this revolving line of credit. Question? I have been told if you ask for a credit line decrease they lower your overall credit score? Why? What can you do to minimize a lowered credit score?

How can you raise you credit score even when you pay on time? Ok, past credit messed me up. I have a judgement thats almost paid off. I am trying to raise my credit score.I have 3 new accounts that I've paid on time for over 1 year. I read that one way to raise your score is to " piggy back" on a relatives good credit ( have them add me to one of their good accounts and not use it) Is this safe, is it legal. I would love to hear constructive ways to increase my credit score. Please don't judge me. Almost all of my " bad" credit accounts have been paid off. I put my sons first when the divorce came. They lived in the house that I paid for while I lived in a basement.

How much will my credit score go down by applying for a new card? 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 have. I closed several cards a few years back before I knew it would hurt my score, and now I have very little credit available. I have excellent credit otherwise, and pay off anything I charge the next month. However, I do have a balance I've been slowly paying down, and want to open a new card so that my balance takes up less of a proportion to my total credit debt. How much will this ding my credit in the short term? And how long will the point drop last?

What does my credit score have to be to get a Walmart credit card? I want to get a Walmart credit card...My credit score is not the best but not the worst either...it's around 616. I dont want to apply and make it any lower unless I know I can get a card.

What credit score should my co-signer have to be approved for a car loan? I applied for an auto loan with a local dealership, my credit score is 630, I was approved to get a $15k car but the one I want is $21k. The dealership said that I will need a co-signer to get the car. My husband's credit score is 720, will we have a good chance of getting the car I want if he co-signs?

How my credit score will be affected if I do the followings? 1. If I apply for a new credit card (visa signature) but cancel my old visa card? If my current credit score is 750, what will be my score after doing so?

What happens to your credit score when you cancel a credit card? say you are in good staying, never was late. always payed the balance. but you have too many credit cards let's say. so when you cancel that credit card. what happens to your credit score? Does your credit limit you had for that card get erased from the records? after all those years of building the credit limit to help the credit score. what happens to it? and what happens to your score? i'm just curious.

How high can your credit score go up after being very low? My credit score is around 500. I'm 21 years old and I have made some pretty poor decisions regarding my financial obligations. (PLEASE, do not post any negative information or comments telling me to get back on track and how important good credit is. I KNOW THIS and since March of this year, I have gotten back on track.) How much can my score go up after I continue paying my bills on time and get some bills out of collections? Thanks.

What kind of credit score do you need to get a charge card for a dept. store in the mall? I've applied in the past like a few years back for various dept. stores and was denied. Ive since quit applying for them and my credit score has risen as well. My credit score is better now in the mid 6's. What are my chances of getting a credit card with anyone. Ive never had a credit card before can i get one now with my credit score?Who, why, what , when and where?

Why is my Experian credit score different on the TransUnion website? I am currently enrolled in Experian credit monitoring. I signed up to get all 3 scores from TransUnion just to see if there was a difference and there is! My score on the Experian site is 75 points higher than the one TransUnion shows as my Experian score. How can that be?? Shouldn't they be the same?

How is it possible that my credit score dropped? I cant understand how in the world my credit score actually fell lower than it was last month. No late payments in the past 4 years, no new credit inquiries or accounts since May (the same inquiries were on last months report), and I actually paid off a $4000 credit card. This makes no sense to me whatsoever....Can anyone explain why my score dropped?

What is the credit score threshold for a credit card? My credit is around 570. I would like to increase it, but I was wondering what the cut off between "bad" & "not so bad, sorta fair" credit was, as I am planning on applying for a card to increase my score RESPONSIBLY. After paying off all of my debt ( which made me feel GREAT!!!), I need to rebuild my credit. Suggestions?

How does building a credit score work in the US? Hi, I moved from Europe to the US 2 years ago. Just tried to buy a house. Unfortunately i had no credit history in the US. Therefore i did my best to get a credit card to get a credit score (which i did 4 months ago). I now have a credit score of 653. Look quite bad no? Is it a bad score because my credit card is too recent?

What is a good credit score and how to improve it? Sorry, multiple part question: What is the highest credit score possible and what is the lowest possible? What can you do to improve it? And the myth that using your ATM Debit card as credit can actually improve your credit score, is it true?

When a bank looks at credit score to determine financing, does it affect my credit rating? I am wanting to purchase a house, but I don't want to look into financing until I find something I like. I am afraid my credit score will be reduced if I start asking banks to review my credit.

Will it hurt your credit score if you close a credit card for a company that has gone bankrupt? Ex: Friedmans has gone bankrupt (all locations closing why would I need it) and I just PIF. I decided to close it, but then wondered it doing so would hurt my credit score, since my debt to credit ratio has just gone down.

How does knowing your credit score save you money? Your credit score is your credit score. There is very little you can do about it or with it. It is like your age or I.Q. How will knowing what it is help you?

What does your credit score generally have to be in order to secure a good mortgage rate? I have cleaned up my credit and my score is 661 right now. Should I wait until it gets over 700 before applying for a mortgage? Is there anything else I can do (besides paying bills on time) to get my credit score up a little higher? I did get approved but at a 12.9% rate and would rather rent and wait until I got higher.

What happens to my credit score if I get married? I'm in my late 20's and my soon to be husband is in his early thirties. I have credit card debt, but I'm working on it. I have a couple bank accounts. I also have a really good credit score. My soon to be husband filed for bankruptcy a couple years ago after he got divorced to avoid paying for bills his wife wasn't paying. He doesn't have a credit card. He does have a bank account. I have no idea what his credit score is. Will my credit score be affected when we get married? Should we share a bank account when we get married? Note: His wife bought things and then didn't pay for the bills for them. They were items she bought and used when they were separated. He didn't see or use them. When she didn't pay for them the creditors came after her. She claimed she wasn't working and then they came after him after they were divorced. He was advised to file bankruptcy so the creditors would stop going after him.

How long does it take to get your credit score up after you file for bankrupcy ? Someone I know recently filed for bankruptcy not even a year ago. And she throws it in my face that her credit score is higher than mine and that she can get a house and I cant. I dont have anything wrong with my credit score and never filed for bankruptcy I just have a couple credit cards. Really how long does it take to increase your score? And dont banks look down on people that file?

What should my credit score be in order to get a good APR on a new vehicle? I am looking to buy a small SUV sometime in the fall/winter but know that I need to improve my credit score in order to get a better APR than I have now. What credit score are most vehicle lenders looking for?

How much does a credit score improve after bankruptcy falls off a credit report? We are hoping that our credit score has improved greatly now that the bankruptcy is off (it was a long 10 years) and we haven't acquired much debt.

How much does old bad credit affect your credit score? I have 5 negative reportings on my credit report. None of them are after the year 2004. I am wondering since there over 4 years old, how much are they affecting my credit score? And, has anyone ever heard of credit card companies deleting accurate late pays if asked?

What credit score must I have to qualify for a prime home loan? Right now I qualify for a sub-prime loan but want to get a better interest rate, so that means I need to improve my credit score.

My credit card balance is over 50%. How long will it take my credit score to go back up? Hi. I recently just got my first credit card ever and used it to make a $1600 purchase. The credit limit is $3000, so obviously I'm over 50% of the balance, and I just learned that's bad for credit scores. I expect to be able to pay off the purchase in the next two or three months. Will my credit score go back up immediately after I get the balance on my card down, or will it take a while? Thanks.

What impact does closing credit cards have on your credit score? What impact does closing credit cards have on your credit score? I have a number of credits that I am not using. What impact if any would closing some of these accounts have on my credit score?

How much can your credit score increase in six months to a year? If you are paying bills on time, not opening new lines of credit and decreasing debt (student loans, etc), approximately how long would it take for your credit score to increase by about 100 points? I know this is not exact, but is it closer to six months or two years? Thanks!

How soon does your credit score go up after you payoff your credit cards? I have 4 cards with balances on them and will be paying them off next month. How soon will that reflect on my credit score? These cards have been open for a year.

What goes into determining your credit score and what causes it to go up and down? Being fairly new to credit I know most of the basics. When I comes to credit score though I keep hearing different stories. What really goes into finding your credit score and does it go down ask to know what it is?

Only 1 credit agency is reporting a score for me, how do I get the others to report a score for me? I have an excellent credit score @ 774, but only Experian is reporting a score for me. How do I get Equifax and Trans Union to report also?

How is my credit score affected after I get approved for a mortgage? I have been paying for my new mortgage for 2 months now, and noticed that my credit score went down more than 50 points since the mortgage loan appeared on my report. Why is that???

What is the lowest credit score do you have to have to lease a car? I'm in the market to buy another car. Currently driving a 2001 Lexus RX300 and the new has worn off. Was wondering if it was possible to lease a car with a less than perfect FICO score of 652. The only reason why I was considering is because I want to buy at least a 2003-4 BMW X5 but I prefer a brand new one but I don't have the cash or dare need a car payment that high for a 45k vehicle! I've heard leases are generally only approved for people with great credit but I have heard of people with less than perfect credit leasing cars but I was wondering approx. with what score?

How does the credit score point system actually work? I want to know how do they determine the credit score point system. I know what is credit and how it works. But I want to know the numbers part like if someone runs your credit report it takes off 2points from your score, another is what if your late on your payment how much does it take off then and if I have a loan for a certain amount does that mean I get a big score or a low score? I have some old accounts (5yrs old) that need to be paid off but if I do pay them off will it really make a difference on my score? Next thing you know I pay them off and then my score only goes up by 4 or 5 points or will I even get a point. What would be the purpose then? At the same time if creditors do look at my report yes it would show paid off but the history would still show that I was delinquent for 5yrs. Whose gonna want to give me a loan any ways? Basically what is the point system and how is it calculated? Let me know so I can start to repair my credit. Much thanks and I appreciate it!!!

What credit score is needed to rent an apartment? I need to get an apartment ASAP but last I checked my credit score was 615. I recently consolidated my student loans (I'm still in college) and was told that would help it. What does my credit score need to be in order for me to get an apartment?

What credit score do you need to have to rent an apartment? I want to move in with a friend of mine, who's apartment is run by a large company. I know they will do a credit check. My credit score is a 629... not the bottom, but not great. Do you think they'll be okay with that? To complicate matters, this company already approved me for a lease several months ago, but that fell through... I believe my credit was higher then. I really just don't want to be stuck with nowhere to live. Please help, especially if you really know what you're talking about!

How long to improve credit score? My husband and I are trying to purchase a house. He has a decent salary and we can afford it. I pulled our credit yesterday to see that his credit score is a 585?! We have had all of our major debt paid off for 12 months now. There is one credit card with a nearly maxed out balance (but still only $1000) and a medical bill in collection for $60. Our new plan is to pay down the credit card to $300 over the next two or three months and take care of the $60 debt. How long will it take for his score to improve? We'd like to wait for it to get better before we apply for a loan. Any other credit score raising tips would be appreciated!

What does your credit score need to be in order to buy a new car? My husband and I are buying a car jointly, but we don't have great credit because we recently purchased a house and various things that made our credit take some big hits. Is there a particular score that they look for when you buy a car?

What range of credit score is acceptable for renting an apartment? My company is closing here in California next May and I will be relocating to Austin in either mid-Aprl or May 1st of next year. I have been with my company for 23 years and am looking for a 4-6 month rental until I purchase a home. My current credit score is fair-good due in part to a divorce a couple of years back. As I have never rented an apartment before, always a home, I am not familiar with the credit requirements, I have heard they are very stringent. If I would not qualify, any advice you might have to offer would be greatly appreciated.

How will an increase in salary affect my credit score? I understand that credit score isn't necessarily based on income but here's my situation. I have about 16,000 in revolving debt with a 600 credit score. My yearly income has recently increased 10 fold which obviously improves my debt to income ratio. How long after this increase should I see improvements in my credit score and by how much. Also what triggers the credit bureaus that this increase in income has occurred?

What kind of credit score must you generally have to get a car loan at a bank? I want to buy a car but i'm in the process of re-building my credit. It was really bad but i've paid my credit cards off and its getting better. I was just wondering what an average score was to get a good car loan. Thanks!

How much does your credit score increase with each final payment of a debt? I recently purchased 9 books about how to raise your credit score and have recently paid off some student loans and credit cards...I have one student loan remaining and one small credit card balance...The ones I paid off were outstanding as far as being overdue...I want to know about how much my credit score adjusts with the payment of these debts after about 3 months once my credit reports reflect this...

Credit Score? Hi All! I had a quick question.....my husband and I have a Providian Visa credit card and on the website after I log in under my account there is a section that is from FICO, and this is what it says: FICO® Credit Score Last updated: Apr 2007 Source: TransUnion It says our credit score is 735. I was wondering how legit FICO is....and if this is a pretty good estimate of what our credit score would be if it was pulled by a major credit bureau (such as Alliance credit that pulls from Equifax, Experian and TransUnion all together). I am wondering this because my husband and I are in the process of starting to get pre-qualified for a home loan, and I didn't want to pull credit beforehand to check my scores and then have the company pull it AGAIN when they check them. I don't want too many inquiries, especially before we buy a home. Thanks!! :)

Credit score? I am 26 years old and I don't have a credit score. I have unpaid medical bills on my report. They don't add up to much so I should be able to pay them off fairly easy when I have extra money. How can I get credit so that I can have a score? Every credit card that I wanted to apply to (that would even give me one) has all kinds of fees and doesn't seem worth it to me. I have student loans which I don't have to start paying back until I graduate (2009). Will these loans help improve my credit when I start paying them back? If so, what can I do now to get a credit score? I want to buy a house in the next couple of years but I need to build my credit first. Any suggestions?

credit score? how can i make excellent credit score higher? For some reason my credit score dropped 12 points in the last year. I have no late payments and zero balances on all my credit history except 2, those balances arent high. Now i know looking at your credit report takes points away from your score. What can i do to make my score higher and fast? i havent looked at it in a year... and i have also called that number to have consumers stop sending me offers in the mail...they said that your credit score should go up atleast 5 points if you do that. so whats the deal?

credit score? How often does your credit score goes up, does it go up every 6months with on time payments, or every month with on time payments. I need answers to this question because I want my credit score to reach 700. My score is now 509, but if I make payments from here and out on time, how long would it take for my credit score to reach 700. I don't have have any credit card debts just hospital bill collections, and utility bill collections thats no more than $6,000.

Credit Score? If i am using a secure credit card to raise my score does that count as open credit?

Credit Score? If i am using a secure credit card to raise my score does that count as open credit?

Credit score? I have just paid off all my credit cards ( about $3,000) .They all have zero balances now.Also I paid off something that I had monthly payments on , which I paid off early the balance was $1,200 .How much can I expect my credit score to go up with these changes? Also when i pulled my credit report there was a new collection on there , that just came on there 10 days ago . But is for a really old bill that I didnt know I had , the collection is $26 .Should I dispute it as I was never informed of the debt , therefore i was not given the opportunity to pay before it went to collections. If I dispute it how much points can I expect to lose on my credit score? I am trying to get preapproved for a mortgage , so trying to up my score for a better rate . This debt is over six years old , i have contacted the original creditor and they have no info regarding the account . All they have is the account number and my name . It is for an old telephone bill , when we moved we could not connect our new phone untill we settled all charges with the old phone .We paid all of the existing charges and now 6 years later they have sent us to collections for $26 we didnt know we owed them .

Credit score!!!? Yeaa mine sucks im 19 and i dont have good or bad credit i have none.i need someone to help me find a credit score place onlin. also give me an idea of how to get my score up and fast. any ideas. im single parent and i want to get it as high as possible asap so i can get a house loan. Please i need an online credit report <--FREE and your ideas or the way your credit became good. thanks!!

Credit Score? I don't have a credit card, do I still have a credit score? And how can I find out if I have bad credit. I have only had bank cards before, but I am unsure of my credit score.

credit score? i recently ran my credit report and got my credit score, but it's not the usual fico score i received, instead i got what is called advantage score which is supposed to be a combination of three credit bureaus and determine your availability for loans etc...but what's the difference? i've asked around but some never heard of it.

credit score? My credit score is 509 and in a year or 2, I would like to get approve for a home loan. If I start to pay off my debt which is no more than $6,000 how soon will my credit score go up between now and 2yrs. or what do you suggest that I should do to get my credit score to be at least 600, and how long will it take if I start now.

Credit Score? I have 2 credit cards on my credit report that I've never used. I've heard that the less credit you have avaible the higher your score will be (less cards/credit to max out on). But I've also heard that if you close accounts it lowers your score. Should I close them?

Credit score??? Whats the minimum credit score one should have to finance a car? no rudeness

Credit Score? Is it true that if you cancel a credit card, it goes against your credit?? I've heard that you should just cut the card up and don't ever use it again. I had a credit card through my bank, and now they gave me a better interest rate w/ an actual line of credit w/ another card, and transferred my money to the new card which has a higher balance and they said to call the number on the back of the card to have it cancelled, but I've heard that it goes against your credit score. Is it true??

credit score.........? im 18 and i just checked my credit score. it was 632. i didnt see anything wrong with just posting a credit score so i have a question......is that good if im only 18?? if not i have 2 credit cards in goood standing if i pay on them good will it make it higher??

Credit Score? I have 2 Credit Card which are almost Maxed out and I checked my Credit Score the other day and It was really low, and I know that it because of my Credit Cards so what I want to do is pay them both off asap, will that raise my score back up?

credit score? i owe about $800.00 in credit cards and i was wondering if my credit score will go back up....there about 1 months late in bills...so do u think my credit score went down and if it did will it go back up when i pay them back off

Credit Score? Where can I check my credit score online and make sure its safe and accurate? Also when you check your credit score does it go against your credit??

Credit Score? I got my credit report yesterday from Experian and decided to pay extra for the Vantagescore/Fico score, the page came back "were sorry we cant generate your Vantagescore because there are no credit accounts on file, Im 41 and have had accounts before this but none at this time, so is my credit score 000 or perfect when applying for a loan?

credit score? I am looking to get a mortgage on a home(my first)i know credit scores effect that,my score is 642 which is fair so i have been told,my question is my fiance's score is 545 and i know thats low.He is the only one that works beause i am a stay at home mom,will they go on both our scores or can they just use my score or only his because hes the financial provider.And if we cant get a mortgage will this hinder us on trying to rent a home?

Credit score? I want to apply for a credit card, and it says one of the requirements is.... "I have a valid credit score that can be found at one of the major credit reporting companies. (In some cases, a valid credit report is sufficient to be eligible for a credit card.)" what does that mean? also, how do you start a credit report or score?

Credit Score? My credit score is 515 because of maxed out credit cards. I'm trying to pay them off. Any good ideas on how to raise my credit score after I'm out of debt? Any ideas how of get out of debt? I'm 23 now will be 24 next year. My parents let me get a credit card at 16/17 and never explained it to me. I want to buy a house when I'm 30 years old.

Credit Score? I don't understand what credit score is..can someone explain in very simple terms? and what a good and bad credit score is? How do you get a good score or a bad one??

Credit Score ? my husband and I are trying to get an house.Our credit scores are between the range of 540,590. If every debt we have are paid by the end of 2008. Will that make our credit score go up to at least 730's and 800's. We are about 30,000 in debt but we don't want to file bankruptcy.

Credit Score..? Hello, I have a question..I had one past due account and my score was 574 but when I paid it all off it went to 598 within a month, but now its no longer raising cuz i am in the process of closing the account and have no other open accounts. I tried to apply for others and I keep getting denied, I want to raise my credit score but not apply to too many places cuz I dont want to have too many inquiries on my account, but I dont want to do those prepaid debit/credit cards. any ideas???? no1 will approve me, I didnt think 598 was THAT horrible..

Credit score? I was told that everyone can get there free credit report and credit score without having to enter a credit card # or anything. is this true ? and where can I get it at ?

Credit Score? I just financed a new car. My mid credit score was a 627. Will my credit score go up or down from taking on this loan? By the way I'm 18 months out of Chapter 7 bankruptcy. (Discharged) I received an 11.9% interest rate with Wachovia. Is that good?

Credit Score? Ok, so I was told by a real estate agent to have a friend or somebody with higher credit score to add me onto their credit cards, so that I can benefit from their history, but I just read that The scoring process is different and I won't benefit from their history.. is this true? or how does this work?

credit score? is it possible to check your credit score online without paying anything? are there any ways to see your credit score?

credit score? If my husband has a high credit score (around 730) and I have a low credit score (around 590) what kind of mortgage rate will we get?

Credit Score? Hi I've asked about this topic before. I would like to know if being $400 in debt is alot. I've had this debt for a couple of years. Long story :) How severly will this affect my credit score. Some advice? Also I would like to know if a minor is responsible for his/her own debt. Will it affect their credit score as an adult.? Thanks alot :)

credit score??? does anyone know how much it will hurt my credit score when i close an credit card acount with 15000 credit limit and 7 years history? i hate my cc company because they lie to me. i called to ask for lower my APR last month, they says that i have a promotion with 5 % cash back on eveything and will lower APR to 9.9 %. when i got statement, APR go up to 19% and i got 0 cashback. i spent over 2500 on this month . i called and asked they says that the promotion is expried......what do you think? should i payoff and close it?? or keep it open??? thank you for your help...

Credit score? My credit score is 761, I have 6 credit cards and a car loan and my 4 school loans are paid off years early, how can I make my score higher?

Credit Score? I wanted to pay off my credit card, I got a loan through my bank, I guess its an auto loan I had to give them my pink slip. I just want to know that if now that i dont have any credit cards with a balance will my credit score go up? stay the same or go down?

Credit score? How much does not paying on your credit cards hurt your credit score? i own a house and a car--I got layed off THEN sick and finally found a job making half of what i WAS making.NO JOBS in the military town I am in!! I had to let the credit cards go!! House and car are in good standing. I haven't paid on the cards in 2 years. What do you think?

credit score? What site can I go to to see my credit score. I know I have to pay for it but I dont want to pay 12.95 a month or have to worry about canceling a membership (triple advantage). I already have my credit report, I just want my score. Thanx

credit score? is there a website i can get my credit score for free the few websites i went on they wnt you to pay for your credit score

Credit Score? My husband has a 570 credit score and I have no credit score according to FICO but we both make great money. Can we get approved for a home loan? Neither of us have had any major purchases in over two years, and the major purchase we did have two years ago, we have paid on early every single month. We are desperately wanting a house, anyone know what I can do to get a good loan?

credit score? I just got my credit card about a 2 months ago, im 18 and dont EVER want to make a mistake . my max is $500 and ive been told that keeping it at half is good and not like use up most of it. well i use it until i have about $30 left and i just payed my first payment of $60.... question is how can i keep a good credit score, [[i know to NEVER pay late]], is paying in full every month bad? ( i was told that paying bit by bit is the way to go and that paying in full all the time doesnt help) and if paying too early ?? please PLEASE can someone help me understand all of this credit stuff!! thanks !!!

Credit Score?!? I paid 50% of my high balance ($1200-$600) off on my credit card. In one months time, how many points could my credit score go up by paying off 50% of it?

credit score? do anyone know, a good site where i can find my credit score free and you don't a credit card? thanks

Credit Score? How can I see my credit score online F R E E? Without having to buy something or use credit cards and debit carsd? Thank you.

Credit Score? If my wife has a credit card, but my name is NOT on the account, will it affect my credit score?

CReDIT SCORE??????? i have a credit score of 615 and im trying really hard to get a motorcycle or a loan for one please somebody help me with a site or somethin i can go to, please no answers about how i should pay my bills on time to get better credit, im a college student i have none

Credit Score!? How much does canceling a credit card lower the credit score?

credit score? How many points do you think will be knocked off my credit score if I made 9 credit applications in the space of 6 months of which only one was sucessfull. Thanks

credit score? If I filed bankruptcy 7 years ago and have had good credit since when should my credit score jump back up? Thank You

Credit Score? On average, how many points can I expect my credit score to increase by using cash to pay off the maxed out balance on a high-revolving credit card? Thanks for the answers! I've had this card for six years and the balance has been high for three years. Now that I have them paid down to zero, my intention is to leave the card open and not charge on it anymore. I've closed a couple of accounts in the past which I don't think is always a good thing. I understand that it shows up better on your report if you have an open card with little or no balance/limited activity. Is that true? Good answers. I don't know which one to pick until I see my credit improve in a month, so I'll put it to a vote.

Credit Score? When you chose to stop receiving "prescreened" offers by calling 1-888-5-OPT-OUT does it also make it impossible for your credit to be checked when you are applying for things you want like a mortgage or car. I have been told by several co-workers that if I do this everything shuts down and even people who I want to see my score will not be able to see my score. Any information is appreciated.

Credit Score? Is there a site to find you general credit score online, not just credit on a single card?

Credit Score? How do corporations compute your credit score?

Credit Score? Is 687 a good credit score. I only have a car note and Macy's Card. I was late once on my Macy's Bill but I am good standing all the way? It seems low to me?

credit score? i just got a low limit credit card (first one) 4months ago. started at 300 limit. its not up to a 500limit. i pay more then my min but never the whole balance & i always pay on time. question is how long does it take before my credit score starts to go up (even by 1 point)? NOW its up to a 500limit typo

Credit Score? Hi, I am new here in USA. The first thing I noticed is it is very important to build a good credit. I just want to know how to build a good credit score? I have a bank account and a visa card. I would like your advise. Thanks.

Credit score? Hello, i have recently been trying to get a large loan which i have now changed my mind about so am no longer looking. The problem is i went through a couple of internet brookers and i belaeve a large number of searches may have been done on my credit score making my credit alot worse than it should be. Anyone know how long this takes to sort itself out or if any lasting damage has been done? Thanks for any info

Credit Score? I was wondering if anyone knew a place I could go to online to see my credit score for free and wont have to use a credit or debit card? Please help! Thank you.

credit score? how can i view my credit score online?

Credit Score? Does anyone know what is the highest credit score a person can have and what are the ranges for good and great score? I believe that it's somewhere over 800

credit score? How can I find out what my actual credit SCORE is.. like the number. I have looked on various websites but I cant seem to find one that will give me a numeric score.

Credit Score? I recently signed up for a Credit Expert account and after reviewing the credit report I realized some loans on there do not seem familiar to me and they are screwing up my score. Does anyone know how I can get the addresses for the creditors that are listed on the report? Since the reports dont contain full account numbers I cant just call the mother office and get info from there - for bank loans I need local offices who the loan was done through. Thanks for any help

Credit score? I have a credit score of 556 what does that mean in the large scheme of things what is the best and worst score etcetc...?

credit score? If i have a credit score of about 700 what kind of auto loan can i recieve ? would it be lower intrest rate? also what is tier 1 credit? what about the so called "good deals at the dealerships with cash back 0% intrest " would i fit into that or would i need better credit

credit score? when people say that not paying ur bills on time hurts ur credit/credit score is that like being late on phone,utilites,cable etc. i mean like 1 to 2 months not going all the way to the collection department....thx

Credit Score? Does it affect my credit score if I close credit card accounts I havent' used for over a year. I don't use them any more so I called them and had them closed. I still have at least 10 other accounts I use regularly.

Credit Score? My credit score is 690. I'm only 20. I was wondering what are ways that I can improve it. I pay all of my bills on time, but is that enough? I don't want to buy a house or anything like that anytime soon. I mainly save my money, because I have a great job. But I would like to have my finances secure.

credit score? is there any place online where you can really see your credit score for free without having to sign up for a service?

credit score? is there a cheaper alternative for me to just get my credit score? I dont really need the report and all of that.

credit score?? i was wondering how long it takes to build up your credit score if it is low? 6 mths or longer. mine is low and working on fixing that so that i can buy a house in the next year. thanks!!!!!!

Credit Score? Need info on how to raise credit score?

credit score? where can i find a site where i can get a ferr credit report and a score??

Credit Score??? What is a good credit score???

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credit score? I have a credit score of 730 (experian). Planning to buy a new honda civic in 2007 Jan-Feb. Will I get an autoloan for the amount 15000 for 3 years at an interest rate below 8%.

Credit Score? Is it true as negative information drops off your credit file,your score will then increase...? how many points do a ccj cost you and how many points on ur credit file does a default cost you?

credit score ? Does anyone know how much $ equals 1 point of cedit on your credit score?