credit history? I really dont understand the average time of my credit history. I had one credit card for 27 months now, one 12 months and 3 for 14 months. How long does that make my credit history? Is that good enough to apply for a major credit card like Discover or the American Express Blue? My fico score is 740. Or do I need to at least have 5 years of credit history?

Credit history? How is one's credit history built, and how do you build up a good history? Some people have said to me it's paying utility bills on time, others have said it's spending a lot of money on your credit card every month and paying THAT off on time, and yet others have said you need take out a loan and pay it back on time. So what exactly is it, and how does one get one? At whate age can you start creating a credit history?

Credit History? How do I start building my credit history? I am turned away from credit card companies because I don't have a credit history. How can this be?

Credit History? Why is it that if you you get turned down for a credit card or loan or whatever, it brings down your credit rating? Just been looking into getting a credit card, just for emergencies due my bank having IT problems and couldnt access my money. My credit history is flawless and I dont want that ruined. Why does this happen and how can you prevent it? I realise I could probably get 99% of cards, but what happens if I get turned down for one. How do I know what the criteria are? I havent applied for any cards yet. I was just wondering why it happens? Oh and I dont need the money. It so if my bank cocks up again I still have access to money.

Credit History? I've had my capitalone card for about 10 months now. Apparently its not enough credit history for other cards i have applied for (royalbank visa card for ex.) Are there any Creditcards out there i can apply for that arent so big on the whole 12 months of credit history?

credit history? if I will pay my bills for rent of my apartment by my credit card, will my credit history raise?

Credit History? Lets say a father obtained a credit card in his son's name with the intention of establishing a perfect credit history on that card and giving it to the son on the son's 18th birthday, in the mean time the father is teaching the son how to manage his finances responsibly. Would that be a bad thing?

credit History? Would one late payment to a credit card spoil my credit history and rating? if so how badly?

credit history..??? do credit history only start with credit cards or borrowings..or can be start with bank account..? pls tell me i dont know..

Credit history? I opened my first credit card 8 months ago along with another one a few months later. A few days ago I applied for a 10k loan so I could buy a car. I got rejected. When I looked at my credit report it was 702 & I paid all my bills on time. Why would I have gotten rejected? I know I don't have much too much history so could that be it? If so, about how long would I have to wait before a company would accept me for loan?

????Credit History????? If I will pay my bills monthly by my checking account, will my credit history raise??????????

credit history? Does your credit history report include your employment record

Credit History? I recently got my first credit card, I really want a Mercedes and im wondering how long will it take to establish my credit to the point where I could lease/finance a mercedes? Do I need to open up other types of credit? I have a pretty good job and I pay my credit card off pretty much every month. So someone please give me a direct answer.

Credit History? Does anyone have any suggestions on how I can build my credit?? I have really no credit histoy and I have tried to get a credit card but no one will give me one. How can I buid my credit?

credit history? how can i create a good credit score if there is adverse credit on my file from years ago. can i sort it out online and if so are there any sites were i can clear it.

Credit History? So right now I got myself into some credit problems. What I would like to know is, What is the quickest way to get my score up now that I have caught up on payments? How long does it usually take to get it back to at least FAIR?

No credit history? I just applied for a credit card, but I got rejected. First, would I be rejected because I don't have a credit history (I've never had a credit card)? Or would I only be rejected if someone stole my identity and got me a bad credit rating at this point? I'm going to college full time, and I wanted the credit card just so that I can get a good credit rating. I'm not making any income from a job, but my mom does make some deposits to my checking account for things that I will need, like money to buy college textbooks. I was planning to use the credit card to buy textbooks and a few minor things at Wal-mart that I'll need, and use my checking account funds to pay the credit card bill. The only reason I want the credit card, I repeat, is to get a good credit rating. Did the lack of income from a job kill me? If I don't have a credit history, how do I go about getting it if I cannot have a credit card? Do I get a joint-credit card with my mother, or is that worthless?

Limited Credit History- How can I start building my credit? Im 18 years old and lack credit history..the only thing I have as of now is a Macy's card which I've been using for just one month. Can anyone give any suggestions or recommendations as to how I can start building my credit? Or which credit card companies will be willing to take on a customer with limited credit history? I've applied for several but got rejected due to my lack of credit history.

Help Credit Report History? I would like to know my husband's credit report history. I always asked him to let him handed me his credit report history but he doesn't like even if I insist. I know he is hiding something there. What website do I able to view my husband's credit history for free. I went already at www.annualcreditreport.com; but now they want you to call for security purposes of course I don't have a male voice they will know that I'm not the person before I can view it even if without my husband's consent. But now I went to website trans union, equifax, experian all of them require for you to call first and some website they offer free but they need credit card for 30 day trial; but you have to call to stop the trial day. Who among here know other website that offer free credit report history.

History of Credit not Credit History? Im giving a speech for my communications class. There are a lot of young people in the class so I thought credit would be a great subject to cover. Im having problems researching credit on the internet. Every website wants to give me my credit score. I want to find out... Who Invented the credit scale? Why does it start and end where it does? Why not 1-10? What does FICO stand for? What is the difference between the FICO scale and Beacon? I want to know the entire history of credit reporting agencies and scores. Im not asking anyone to do the work for me just give me a few leads to where I can find the info myself. Thank You All!

do i NEED credit history to buy a house? I'll try to make this quick. Two friends plus me want to buy house at end of summer, when my friend and I turn 18. The other friend is already 19. I hear you have to have good credit history to buy a house. Since we're young, do we even have any credit history? [Two of us have had debit cards for a couple of years.] And also, you're supposed to have a solid 2-year employment. I have worked on/off at an arts & crafts store since fall of 2006.. about 10 months altogether. My friend has worked at a call center place for 8 months. I don't know about my other friend. Is that good enough work history? And yeah, I will be looking very hard to find a steady, stable job before I think of moving out at the end of summer. Given the story, could you guys please answer the questions I have. I don't know much about buying a home, obviously, so any help would be awesome!

Credit History and Credit Check? The thing is that my mom wants to move into these apartments but they say she needs like a co signer or sumthin b/c her credit isn't good. Well mine isn't either, but she doesn't know that and I dont want to tell her. She knows that I have student loans but I also have credit card debt as well that she doesnt know about. And she will probably want me to turn in the application in the next couple of weeks. What all will come up when they check my history? Does anybody know of any I guess "quick fixes" for my credit history? Or ways to increase my score soon?

Would Credit/No credit history (us history) affect my college apps? I am currently taking history 8 (US history) at chabot college. before i have had speech (3 units) and chem 31 (5 units) Cr/No Credit. i was wondering if i choose this history course to be credit/ no credit, would it affect my status when i apply for CSU and UCs ? please help me out ASAP. thanks alot yea and i am majoring in Architecture Engineering. and history 8 is on the IGETC list,so would it affect my college applications to Cal poly or Berkeley. thanks please help me out

No Credit History? I was wondering if it is hard to get a Target Card. I'm 18, I have no credit history whatsoever, but I want to start building a credit history. I love target and know it would be a good store for me to have a card at. But since I have no credit history, should I even try applying for one or do you think I would just be rejected?

Worst Credit History! Do I have Hope? Need an Expert...? I established credit back in 2001 and 2002 for 5 credit cards, anyways I couldn't make my first payment on either cards due to getting a DUI at age 19. After all of these years I went to school and not worring about my credit. Now that I'm getting offered a Good pay career and Decided to look back at my credit history and tackle this mess once in for all. Do I have hope to build credit fast? Will this all clear my record for good after I pay the creditors off? I'm under 550 score I know I am. When will I be able to get another credit card? What needs to be done in order for myself to get a BMW M6? What strategy will work?

Does credit history follow you upon relocation from the United States to Canada? Does your credit history follow your from the United States to Canada? This article http://www.creditfamily.com/credit-report/credit-history-united-states-canada.aspx says it does not. Is this 100% true? Is there no way to move the credit information over instead of starting out all over again?

I have no credit history and I need an unsecured credit card without a co-signer. Any suggestions? I have no credit history and all the credit cards that are available to me are a hoax. Most require of the credit cards atleast $200 of my own money to start the credit building process. If credit is provided there are charges that are first applied which take up most of the available credit until I pay them off. This credit building process is such a pain. I undertstand why no credit is equivalent to bad credit.

Credit History Report? I got denied a Credit Card and they said it was because i had unpaid bills on my credit history, Whats the fastest and easiest way to get a copy of my credit history?

how do I establish a credit history ? I am 33, how do I establish a credit history if I have never had the need for credit. I applied for to credits cards but was declined due to me having no outstanding debts or any credit history. How am I supposed to get a credit history if I cannot get credit. I thought having no debt was good, so why I am i finding it hard and what can I do to get credit, so that I can establish a credit report?

does anyone here know about credit history? ok this is a stupid question to some of you but i dont have any knowledge about credit histories because I dont have any credit cards and never applied in any of them. my question is can you have a credit history evethough you never apply for a credit card? I'm a victim of identity theft..unfornately =( I found out that someone was using my social security, not one but two person usin my ss# so i did all the necessary steps called social security agency, ftc and filed police reports however, i tried to call the credit agencies coz they adviced me to call this agencies to put an alert on any credit cards i have...but thing is I dont have any credit cards, i called the equifax anyways to make sure, but everytime i call and after i enter all my infos on the phone because its automated and there is no actual person to talk to...it will always say " we cannot process your request at this time"blah blah... so i was wonderin, does this mean i dont have any credit history at all? help pls! another question..since I never opened up any credit cards ever...should I worry about the person who stole my social security number oppening up credit cards under my ss#? I need help please! this is driving me nuts and I'm getting depressed already =(

Establishing A Credit History? What is a good credit card to get to establish a good credit history? I have 1 card from a store because thats all that will aprove me. I have applied for a mastercard, one of the ones that says that its for those with limited or no credit history, and even they denied me. What about one from a place like orcahrd bank? I know you have to pay for them but would it help or will people see in the future that I had a credit card from a company that gives them to people with bad credit? Thanks. Orchard Bank*

Credit cards /No credit history? I would like to establish some credit history since i have none. Is there a credit card that will except me with no prior credit history? i see a limited credit history one on captial ones site but i have no credit history at all should i still apply for this one??

credit report - how to get rid of the bad history..? I was able to see my credit reports from all three major agencies... and i found out that while I was out of the country for three years, the credit card which i thought had no balance due, actually had 25 dollars of balance.. however, that credit card account was closed... leaving a bad history on my credit history.... is there anyway to get rid of this bad history from my credit report ? fortunately , only one agency out of three had this record..... (credit union)... actually, only transunion had that record (equifax, and experian had no that record..)

how long is Credit history & Social Security number valid for? How long is the credit history kept for before it is deleted. Since credit history is related to SSN. You can put the question this way. For example if a non US citizon person who has a SSN and credit history leaves the country for good what happenes to his credit history & SSN. Dose it get deleted for some period of time?

Bad Credit History (canada)? My friend was leaving in Canada from past 4 yrs and he recently got permanent residence their. During past 4 yrs he had credit cards ( which were issued by some institutions basically with just details of his Name, Date of Birth and Home Address) seems he hasnt provided them with his Social Number (SSN/SIN) at that time to obtain credit card. And he moved out of the country last year and is planning to return back to canada this year since he has got his Permanent Residency their. Now the question is, can he again apply Fresh/New Credit Cards again with his new SSN/SIN number and re-eastablish his credit History?? or if he applies, is he liable to pay the old dues first before getting a new credit card??

Credit history and Mortgage? Hi ! Is there any relation with credit score/history and the mortgage ? Does having a good credit history help anything in mortgage? Thanks

I have credit card but no Credit History? have only a MBNA credit card from 4 months. But when I recently applied for another card from Capital one, It was turn down saying that, my credit history information is not available. This was report by all the three major credit bureau companies. How come I don’t have a credit history when I am using a credit card from last 4 months?

Question about credit history length for mortgage approval.? My husband and I are looking to purchase a home next spring. We're most likely looking at FHA for various reasons. The problem we have is that our credit history is fairly short. I pulled our reports early this year to make sure our credit was OK, and there was nothing there. I got us both three lines of credit that have added points to our score, but since I just opened them this year, I'm afraid our length of credit history will prohibit us from getting a mortgage. Our scores are in the high 600s, low 700s now. Not too many inquiries, and about 10% for a down payment. Any thoughts?

International credit score - no credit history in the US? I have applied for a credit in the States (I am an American living in Germany and am planning on moving back soon), but I have no credit history in the States. Is there a way to have my good credit history in Germany be "transfered" to the States? What banks work here on an international basis?? Any suggestions?

Credit History/Loans? I raked credit card bills when I was a student and my credit history is worsend. I currently have astedy job, work as an env engineer, and intend to pay it all and get back on track on credit., I plan to settle down by end of this year or so, I was hoping when I pay using debt consolidation or on my won , it gonna take long time to ay (atleast 5 yrs) and also the report stays on for atleast 7 yrs. Is there a way to get a loan to pay the whgole debt in full even if the interest rate would be high?? I dont have any collateral (property or so) , so please tell me if there is anyway to get a loan or clear it out?

Establishing A Credit History? What is a good credit card to get to establish a credit history? I have never had one and just got a job about a month ago. I dont plan to rack up the bill or anything, I just want it to help get credit history.

Length of Credit History for Target Credit Card? I start having credit line 6 years ago, since then, it was a bumpy road... and now thinking about applying for a Target Credit Card with a score of 610? I also have 2 positive items, 3 collection account and charged off account on my report. 1. Is my credit history long enough? 2. Will my score be good enough to get a Target credit card?

My boyfriend has no credit history.. How can we start him off right? My grandparents got a credit card in mine and their names when i started college and I built credit by putting emergency expenses on that and before I needed to actually use credit for anything I already had 15 months credit history! My boyfriend has none and we are applying for a new, nicer apartment this summer but he has to have credit history! Can anyone point us in the right direction? Something that's not gonna cost! Like a credit card with no fee or something! Thanks!

Credit History moving abroad? I'm moving from the UK to the USA. Does your credit history follow you from one country to another? ie. if your considering buying etc. I read an article on http://www.consumerbadcreditguide.com/creditforimmigrants.html that suggests it doesn't but othertopics I've seen on this subject say it will! Any thoughts?

Problem with credit history... though I have been good!? A few months back I have been trying to shop around for a decent loan and realised the advertised rate often differs vastly from the actual rate you get after the credit companies make you lodge a formal enquiry (with details & all); various tries as such left me with a trail of record on my credit report - which is now causing me problems as I am considered to have an unstable credit history! I have obtained my credit report and tried to explain each individual entry in my credit applications but nobody is willing to lend me money even though I have never defaulted before! Is there a way to solve this?

Are Credit Scores based solely on Credit History or is your income also a determining factor? What I'm asking is: If you are poor and have an excellant payment history, never late on a credit card payment or house payment, etc., would you have as high of a credit score as someone who is 'well to do'? I'm not asking if a poor person could get a million dollar loan, I'm sure income is a factor there; I'm asking if their credit score would be the same, based on a perfect credit history. Please help me with an answer. Thank you.

Bad credit history, who to turn to for credit help ? I have a fairly bad credit history, but need to get a credit card, can anyone sugest who to apply to please.

Bad credit history in UK??????What can i do to help??? I have a friend she never seemed to have problems but a few days ago she told me she would like to check her credit history but she is afraid...........I asked why??? She said she wants to apply for a certain jobs and credit check is required she than told me that 5 years back she had a credit card that she did not pay and moved somewhere else so she didnt know if the bank have looked for her or else (she says they didnt...) as she stopped using their services...She said it was not a lots of money (2500 pounds) but at the time she could not pay and she never went back as she was afraid to do so.....So now i told her that i think that they would not keep records such long time but i really was not sure when i told her that.......Is there anybody that really knows what the banks laws are i really would like to give her advise she is very very good friend of mine.....and also great person...thanks a lots........

Enough downpayment, no credit history and joint credit card? We plan to buy a house, we can pay 50% downpayment. We have okay job - not that great, but affordable to pay rest of money over 15 years. My husband has a pretty high credit score and I have none . Recently I made a joint credit card and we thought this would solve the problem. How long would it take to get a credit history in my case? Could we make an offer even before? We don't want to lose the chance and my credit score seems the only reason why we can't get a loan, which I don't understand. Is there any other way? We applied for the loan through the bank we mainly use.

Does co-signer gets credit history for auto loan? I do not have a credit history and my brother in law agreed to co sign for me. But the dealer made my B-in-law main applicant and me as a co-signer as I did not have credit background. I am gonna pay the loan when it is approved and wondering if this will help in building my credit. The FM manager at dealership is saying repaying this loan will build both our credit. Would appreciate if you can share your thoughts!

Army background check & credit history? I have an excellent credit score but some bad credit history. Which is going to affect me more during security clearance to become a warrant officer as a pilot? Credit score has improved drastically & is actually very good now but i'm worried about the credit history? How will this affect my security clearance?

Can I build a credit history for my LLC by linking it to my credit card? I started an LLC after I purchased my first investment property. I would like to buy my next house using the LLC, but don't know how to build a credit history. I have an excellent credit card (rewards and interest rate) that is no longer available. Can I add the LLC as a user to this card and then mooch off my existing credit history? If not, how do you build credit for a company?

Will my credit scores/history transfer if I move to Canada? I'm an american resident and worked long and hard to build a great credit score. Now I'm thinking of moving to Canada. What happens to my credit report and credit score? Does Canada (Alberta) use the same credit agencies? and will they transfer my credit history so I won't have to start all over again? Only people who've does this please respond. NO GUESS ANSWERS PLEASE I know i'm in another county, but unlike other countries America and Canada share the same credit agencies, namely Equifax and Transunion. Well I am an immigrant to US so starting over is nothing new, i just wondered if i can trade in credit reports like they trade in drivers licence

Credit History? Ok, I am an international students in the State. I dont know anything about credit history and I think I already hurt mine with several credit checks when I am trying to buy a cell phone. Do you know what I could do? How can I learn more about the system?

How to start with a good credit history? I currently attend college and live with my parents. My parents started to care about their credit score too late. I need credit cards to buy clothes and college materials. I don't have credit at all since I just turned 18. My parents credit limit is too low and they can barely pay off their own credit debt. HOW CAN I ACQUIRE A CREDIT CARD WITH A GOOD INTEREST RATE AND HIGH CREDIT LIMIT WITHOUT HAVING TO USE MY PARENTS CREDIT. I have tried to acquire a credit card with their social security number but they allow low credit limit. How do I start a credit history without having to use anyone else or their credit.( I currently started working)

Whats the best way to begin credit history ? I have very good credit history and my wife has none. She got a job recently and a social secuity number (obviously). I understand that it takes several years to build a credit history. My question is on how to begin it the best way ? My questions are - What is the best way to start / build Credit history ? - Will she have a basic FICO credit score to begin with or does she have to build all the way from 400 ? - I believe payment history makes a good component of the score. I have excellent scores so can I pass on the utility bills to her so that when she pays her credit would build ? - I thought opening a credit card and making timely payments on purchases on that card would definitely help. Is it a good idea to apply for one ? If she does she may be declined for lack of credit history and that will further mar her credit history. What are the best card issuers to apply for one ? Kindly advise, Thanks

Bad credit history in UK??????What can i do to help??? I have a friend she never seemed to have problems but a few days ago she told me she would like to check her credit history but she is afraid...........I asked why??? She said she wants to apply for a certain jobs and credit check is required she than told me that 5 years back she had a credit card that she did not pay and moved somewhere else so she didnt know if the bank have looked for her or else (she says they didnt...) as she stopped using their services...She said it was not a lots of money (2500 pounds) but at the time she could not pay and she never went back as she was afraid to do so.....So now i told her that i think that they would not keep records such long time but i really was not sure when i told her that.......Is there anybody that really knows what the banks laws are i really would like to give her advise she is very very good friend of mine.....and also great person...thanks a lots........ you know laywer i have spoken to her again and she acctually (i think) needs serious advise i mean personal who could help her it is also kind a difficult for me to do it over distanse but i really wish to be able to help....i gave her the links but i dont think they helped .she said that the credit repport does not show up as it says not enough info ..is it possible she is not on the list or what....

Does credit history of legal migrants reflect late payments prior to when they recieved a SS#? This was a classroome discussion - what happens to new migrants who recieve a SS# after residing in the US for a year or so? Would their credit history reflect any late payments, defaults etc that occured in the time period prior to recieving their SS#? Or does their credit history only go as far back as the moment they were assigned the SS#? Thanks!

Does bad credit history and rating follow you internationally? I am Australian but have been a student in the UK. I am moving back to Australia and want to know if my bad credit history from the UK will be 'on record' in Australia, or if credit ratings are not internationally shared. Thanks for all answers!

Just starting Credit History - when does it change ? Since about Aug 07 I have been working on establishing my credit history. I presently have 3 lines (gas, VISA & personal loan), all are being paid on time, but have not seen a change since starting out. How long does it take to see any improvement in my credit score?

Do I have credit history after 3 months? Hi everyone! I got my first credit card 3.5 months ago and I already made 3 paiements on it. I'm actually looking for an apartment and I'm afraid to not have a credit history yet. Does anyone know if I might already have one and if I don't how long will that take? Thanks for your answers!

Can I move my credit history when moving from Canada to US? If I have a good credit history in Canada and if I move to USA, can I take advantage of my Canadian credit history in US?

have bad credit history? i have very bad credit history in uk.due to loss of my job i cudn't pay my credit card bills.am in USA NOW .Will it effect me or getting social security number here.plz help? i have bad credit history in uk .coz i lost my job i cudn't pay my credit card bills .am here on work permit .will my bad credit history effect my getting social security number, can i rebulid a new credit score here.thanks

Credit History/Refinancing? If someone has been at a sales job building up clients and in the process bills and credit were an issue because lack of commissions, once that person is on their feet and paying things on time again, how long would a bank need to see steady payment history before letting that person refinance?

How would a law barring employers from checking credit history fare? Have you known anyone denied employment solely on the basis of credit? I am interviewing for a position which I know I am well qualified, but I am concerned about my credit background. I have already been denied an apartment and I would imagine that an employer would use the same criteria. If I do not receive the position, I will ask whether it was due to my credit history. If my credit history was the only thing holding me back, then I would begin writing my representatives imploring them to pass a law making "bad debtors" a protected class (like race, sex, religion, national origin), and thus employers cannot discriminate on that basis. The rationale for the law is as follows: a job seeker is seeking a better job in order to improve his situation and his credit. Denying him the opportunity would give him no hope. He may very well resort to robbing a bank. Starting a business for him would be equally as difficult, since he wouldn't be able to raise capital.

Best way to fix/improve credit history? My girlfriend had to file for bankruptcy 5 years ago (thanks to her ex). Her credit history got screwed up because of that. She has no credit cards. I ran her credit report and will call all lenders who have outstanding problems with her. What other steps can I take to help her improve her credit history?

Where to get help with credit history discrepancy? A credit card I had ten years ago is creating a nightmare for me. Long story short, the credit branch I was with was bought and sold I think three times during the time I had this CC. Somewhere in between theses transfers of ownership a "ghost" account was created. The actual CC has been paid off and closed out, but in my history report, this "ghost" account is showing up and killing my credit score. I tried calling the Financial Institution it shows connected to, but they show no record of it whatsoever. How can I get this cleared from my Credit history?

Trying to build good credit history, improve credit score? I'm a foreigner and don't really have credit history in the US. I have a checking/saving account (for a few years now), cell phone. Have not been delinquent with payments. My credit score is low 500/not existant (depending on what company runs my credit report). How do I get it to go higher?

If you have "insufficient Credit History", how do you get a credit card? My fiance' has no credit. Everytime he applies for credit (JCpenny, Sears, Mastercard, Visa) they always say the same thing. Either "No credit score (fico score) on file" or "Insifficeint credit history". He has never had a credit card or anything in his name, so why can't he get anything? How does he start to build his credit?

What is the average age of my credit history?? To keep it simple...say i have two credit cards. One of them was opened 10 years ago and is still open. The other was opened for one month and CLOSED because I didn't like the interest rate offered. (One of those 9.99, 12.99, or 17.99 offers then gave the crappy APR after approved). There is no negative history on either. I just want to know will the average age of credit history (according to credit bureau) be 5 years or 10 years?? (10 years + 1 month) / 2 = approx 5 years or 10 years / 1 = 10 years I want to know if I am better off keeping a card with a bad apr to keep the avg age of credit from being dragged down so much?? If its the average of ALL accounts then the average will move up much slower than if its the average of ONLY OPEN accounts. To keep it simple...say i have two credit cards. One of them was opened 10 years ago and is still open. The other was opened for one month and CLOSED because I didn't like the interest rate offered. (One of those 9.99, 12.99, or 17.99 offers then gave the crappy APR after approved). There is no negative history on either. I just want to know will the average age of credit history (according to credit bureau) be 5 years or 10 years?? (10 years + 1 month) / 2 = approx 5 years or 10 years / 1 = 10 years I want to know if I am better off keeping a card with a bad apr to keep the avg age of credit from being dragged down so much?? If its the average of ALL accounts then the average will move up much slower than if its the average of ONLY OPEN accounts. IN RESPONSE TO THE PERSON THAT ANSWERED MY QUESTION SECOND I'm happy with the 10 year old card, no plans in closing it. The new card is the one with the bad rate.

U.S. credit history follow you to Canda? I am moving to canada and i want to know if my credit history will follow me there. i have good credit and i want to know if by any chance i miss a payment will i be followed to Canada? is credt international or not? Can anyone help me?

Report Identity Fraud with no credit history? I filled out an application sheet for a VoIP company (yorvoice.net) that turned out to be a pyramid scam selling a believed-to-be non-working product, left early. I have been worried that they will do something with personal information they collected from me, perhaps open up credit card accounts, or sell the info. I do not believe I have a credit history, and I tried calling the automated lines with two credit bureau, but both failed to identify my account with my info. Now that I think about it... I'll try to find out what info I put on my student loans and input that information into the automated hotline, see if that works. 3 Questions... 1. I own no credit cards, but I have student loans... I assume they are in my name and not my parents? So I should have credit history yes? 2. Is there a way to get in contact with a real person and not automated line for a credit bureau? 3. Any suggestions if I still can not get through to a bureau to put on a fraud alert?

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How does someone get a credit card with no credit history or are they doomed for life? How does someone get a credit card with no credit history or are they never ever going to be able to get a credit card or credit history in their entire life now??? If you don't get a credit card you cannot get a hotel room ever or rent a car or other things right?? And without a credit history a person can never ever ever get an apartment?????? How do people fix this nonsense?????????

I have no credit history - How can i get a credit card and start to build credit?,? I am a recent immigrant and i have no credit history, how do i go about building credit? My fiance has good credit - please help.

Question re business loans and personal credit history? I'm starting a business with a partner, we're incorporating and planning on having 50/50 ownership. We'll want to apply for a loan or credit line and banks will naturally be checking our credit histories. Here's the issue: my credit history is good, perfectly clean, and improving. My business partner has some big credit card balances from starting the business, has missed some payments... his credit is bad. I'm thinking maybe I should be the 100% owner initially, so my partner's credit doesn't become an issue. Later on after we've established business credit we can change to 50/50 ownership. Does that sound like a good strategy? Thanks for the comments re my partner's credit issues. As background, he is great in retail, customer service, and started the business- currently owns it. Definitely needs help with the financial aspects, and I think the partnership will work well.

Question about credit history? After you have paid off your dept. How long after will you have good credit if you continue to pay everything on time? ( Please be specific on years.) Also were in collection for 3 things but they all are paid off now. Once you get good credit, will landlords not allow you to stay because of your credit history? If yes, could explaining that you were learning the values of a dollar during that time convince them to let you stay? If no, is it all based on your credit score?

Credit score550 and total credit line 1100.what to do next,to create a good credit history,? Hi, My credit score is 550 and I have total 1100$ of credit line with 2 cards (800 + 300).In last year i was in debt of 800$ and it took me 7 months to paid off.now I dont have any debt.I have started creating my credit hostory since 2 years and during that I have been denied for 3 times for new card application and denied 1 time for Credit line increase.Now I have more than enough money to spend.I want to create good credit history now.what should I do?Should I do my expenses from Credit card and pay off totally at the end of month ,or should I pay 50% or just minimum payment ? or I should not use credit card and should use debit card ? please give me advice . Thanks.

Can old credit history show up in more recent scores? I have about 5500-6000 dollars in debt to pay off and it is effecting my credit score BIG TIME!! I am planning a way to pay it off myself by the end of this year. How long will it be until my credit score improves? How high can it improve and will old credit history/scores show up on a report in say, February? In addition, my car was repossessed in Nov. 2005. The rest of the lease payments were payed off. Can this be taken off of my credit?

Does your credit history tranfer with you when you from Canada to USA? I have recently immigrated and heard that my good credit history that I had in Canada does not apply here in the USA and that I will have to start from scratch. Anyone have any experience to know whether or not this is true? Can they not access my credit history through the Visa and Mastercard that I held in Canada?

Does your credit history transfer from Canada to USA or vice versa? I have recently immigrated and heard that my good credit history that I had in Canada does not apply here in the USA and that I will have to start from scratch. Anyone have any experience to know whether or not this is true? Can they not access my credit history through the Visa and Mastercard that I held in Canada?