Credit Ratings Knowledge Base
credit ratings? what are the four types of credit ratings?
How long will it take to clear of bad credit ratings in Singapore? I understand that some countries takes 5-7 years to clear of one's bad credit ratings. How long will Singapore take? Is it the same?
What excel function can I use to return a range of credit ratings given a rating factor? For example: A1: Credit Ratings B1: Rating Factor A2: Aaa B2: 1 A3: Aa1 B3: 10 A4: Aa2 B4: 20 . . . . . . A23: NR B23: 1,0000 So, if C1 = 15, I want D1 to return “Aa1-Aa2.” If C1=5, I want D1 to return “Aaa-Aa1,” and so on. Thanks.
If your bill is five days late is that long enough to hurt credit ratings? I have a bill in my brother's name and I slipped this month but mind you I paid it only five days late and now he's threatening me about terminating the account because he says that paying the bill late can affect his credit ratings. Is five days late on a bill is enough to hurt credit ratings?
When do you start getting credit ratings? at what age do people in the US start receiving credit ratings
Do foreigners living in the US have credit ratings? I just moved here to the US for college since last August, and I wanna know if I have credit ratings so that I can borrow money....do I actually have a credit rating (I have a social security number), and if I do, how will I be able to check it? Will I be able to participate in social lending networks such as prosper.com?
Can anyone tell me about credit ratings and creditors? Alright, I'm terrible with money. Awhile back, I didn't pay off my Blockbuster debt and they sent me to a debt managment company. At the time, I was a stupid, stupid college student and I was way busy with finals. I lost the darned letter. I neve paid the creditors but I haven't gotten any more letters from them. Have they forgotten? Do they forget? AHH! Also, how long does it take for credit dings to disappear? Right now, I have a joint credit card with my parents that is paid off religiously on account of my parents being angels. Speaking of angels, I also have a Victoria Secret credit card that also is paid off regularly. Does that improve my credit? What about overdrafts on debits? Thank you thank you! also, i should note that this happened about two years ago and i haven't recieved in letter since. how can i find out to whom i owe money?
How do you gain credit ratings with experian? Over the years I have cut my credit cards from 5 down to 2, I have one mortgage and will get another next week when I complete. I pay all my bills on time . A new credit card company has come up with a holiday offer, which I want to take advantage of, and then close the account, latest feb 2008. If I apply for this credit card what will my rating be like? does it go up and down everytime you apply for credit cards? mortgages??
How do companies merge credit ratings of married people? I was looking over my wife's credit report and saw a medical bill that was mine (it happened since we have been married). I figured since it was in my name it should only be on my credit report, but then I wondered if it made a difference and how do credit companies blend to two different reports to make one for both of us when deciding on credit.
I have a rating of R1 from a major credit card.....is this good? and if so, how can I check other ratings? I just want to know what R1 and other credit ratings mean for free. Please keep in mind that I'm canadian! Thanks!!!
How are credit ratings calculated? I'm aware of the ranges of scores, what percentage of your score is based on length of credit history, how you pay your bills, available credit, et cetera - so I do not need that sort of information. My question is: are you able to tell how many points a _month of positive credit_ is worth? For instance, if I continue to pay my car note on time for the next year, is there a way to tell how many points my score could increase over that time? Here's another example: Say, for instance, a 60-day past-due payment on a credit card shows up on your credit report. How much of a ding is that on your credit - or how many 'negative' points is that worth? Is there a point system out there to get an idea -- without enrolling in a monthly credit score monitoring company. Thanks!
How do you get bad credit ratings off of your report that have been on it for over 15 years? I thought that after 7 or 10 years the creditors legally had to remove the negative credit rating and stop harrassing me.
Are you or do you know anyone who inputs credit ratings? Who are these people who input my personal information into the system for such companies as Experian, TransUnion, and Equifax. If you are one, what can I do to "fix" my credit issues.
what are the different types of credit ratings?please specify them? i want to know about bank credit ratings . how many types of rating there are? and their detailed report.
which credit cards are available in australia for people with bad credit ratings? I have a poor credit rating thanks to an ex boyfriend.. Im heading overseas for a few weeks and to rent a car etc i need a valid credit card!! Please help me find a suitable one!!
How often are credit ratings updated? How often do the reporting agencies update your credit rating and credit score?
Insurance companies credit ratings list? Is there a list of insurance companies capable of paying based on credit ratings. I could find very short and sweet ones, I am looking for something more comprehensive.
Does credit ratings transfer across the European Union? I have a good credit rating in Germany and will this transfer to the UK when I apply for a mortgage there?
Why do Teachers have lousy credit ratings? If they are so smart why are they not rich and pay their bills? and wear and live in decent parts of town? and clean their houses?
Are Prepaid Mastercards , reported on your credit file - in order to improve credit ratings? such as cashplus prepaid, The Virgin Prepaid MasterCard, not sure what the point to them over a debit card.
Would overdrafts affect my credit ratings? If my bank account is overdrafted all the time, do i get a bad credit?
Are student loans based upon credit ratings? I have a really poor credit rating because of Natwest who put me as 'out of contact' because of not updating my address properly. Now I'm at college and should be off to uni in 2008, but am concerned I might not get student loans cos of my rating? Was told by someone that credit ratings are not part of the process as it's a government thing? Any ideas what the case is?
Why do credit ratings go down with each inquiry? Is this true and why?
Credit score ratings - better to be late on credit cards or mortgage? In a temporary financial crunch and may have to make this decision, but want to keep my credit score as high as possible.
ever had an eviction notice? if so what does it do to your credit ratings etc? i have to leave my private rented house - thro no fault of my own. but have been advised by local council to stay in it till my landlord evicts me! i am worried that this will have derogatory effects on my credit ratings and just life in general. i suggested this to the lady at the council and her reply was ' well if you're gonna get a council house in the long run why worry, cos you'll have an assured tenancy then' rather flippant i thought and not very helpful, apparently it will take up to 3 months to go thro court , which is what they suggest. so not only will i be a total wreck by then i will also have to pay the court costs and still keep hoping they council can rehome me, and i'm not a scrounger, i work, have two kids at school and pay all my bills, just cannot afford private rent anymore
Credit cards for poor credit ratings? I want to buy a house so I am working on repairing my credit. Due to death of child's father and job lay off my credit suffered to the point where my scores were in the 300s. Over the last 1 1/2 years I have brought them up to very low 500s. The mortage company said I should get two credit cards and rebuild a payment history so my scores will increase. How can I get these cards if no one will give me credit? Are there any credit / department stores that give credit to very poor credit score holders? I don't want to pay horrible fees and such.
Can landlords report negative ratings on my credit report? I am trying to get out my lease for financial reasons I sent two letters to my landlord and she never replied. I called last night and left a messege. My lease states that I have to request in writing if I want to terminate my lease. I am guessing she is ignoring me. However I have to move or I'll be paying rent late for the next 4 months. I have 6 months left on my lease I was wondering if she'll report this on my credit report. If so is it the standard report like Transunion, Experian
Can UK employers check overseas credit ratings? Applying for a job with a UK bank. I am Irish and had some difficulty with my overdraft awhile ago back home. Can they check this?
Do TV stations get ratings credit for people watching their shows online, if they missed the original airing? I'm 24 and obviously I'm not going to stay home on a Friday night to watch Las Vegas. However it is the greatest show ever, and I watch it through NBC's website sometime later the next week. Not that my one TV matters, but the networks base everything on ratings, and I'm sure a lot of people miss their shows originally and watch them later. Do the shows get this credit, so they don't get taken off the air as easily?
need to buy a ambulance at a buy here pay here. my credit ratings is bad.please help? for I want to start a business.
Question regarding Credit Score Ratings? I scored a 791 out of 850 with Eqiufax in Feb. 2006 I just scored an 888 out of 990 with Experian Oct 2007 Do the 2 agencies have different rating systems or scales? Has my credit score improved from Feb. 2007? Experian said that I am "Prime" Plus and my Risk Grade is B. My Credit rating ranks higher than 85.15 of US Cosumers. Is this a good credit rating?
Is it true that bad ratings come off your credit report after 7 years? From what date are the 7 years calculated? Once the time has passed will they automatically be taken off or will i have to something to make sure they will come off. What if they are charged off accounts that were never paid, do those come off too? Im currently trying to rebuild my credit and my score is 610...i have a whole bunch of charge offs that will be coming off in the next 2 years...the only currentl credit I have is 4 student loans that ive been paying religiously...any other tips on how to raise my score....
Credit Ratings Site? Hi all, I am thinking of starting a user generated credit ratings site. As so many businesses are doing a lot credit sales, the people needed a reliable source for giving credit for their potential customers even though they might be only a startup. But desperately lacked concrete business models to continue the idea. Any ideas are appreciated. This site is for suppliers who wanted credit reference for potential customers who needed credit to buy a product. This is unavailable in third world countries, like Indonesia; especially small stores who did not even list their numbers in the yellowpages or have a bank account!
advice on credit ratings, trying to get my dead husbands car repossessed? My husband had a car on finance with large balloon payment after 3 years, I'm now left with no money and wondered whether if I persue the repossession order on his car, will it affect my credit rating in the future or will it affect the house. The car was in his name. I am trying to prioritize my finances following his death - 2 small children etc, no mortgage protection or insurances to speak of
Question about marriage and how it affects credit ratings and taxes? Hi. Thanks for taking some time to read my question... Im planning on getting married soon, and also on purchasing my first home. I have excellent credit, my fiancee has little credit and has paid off some bad debt. Im wondering how this will affect our rates when we go to get a home loan...also, Im wondering if we will save on taxes if we marry?? She doesnt make much ( > $10K) and goes to university. I made $60K last year. Married, we'd be at around $70K. Would it make sense to get married now to save on taxes? If we marry, does my credit score go down when her's is added to mine?? How does this stuff work?? Basically, I dont want to get married and have our ratings so low that we cant get a decent loan rate...
What is the best way to deal with existing credit cards for newlyweds? My wife and I are wondering how we should deal with each of our individual credit accounts. For ease of financial management we would like to reduce/consolidate credit lines. However, we understand closing credit lines could adversely impact our credit ratings. We don't want to do anything to reduce our individual ratings (both of us have credit ratings in the low 800). Just another detail..My wife and I only use one card each, but have a several others. Our cards are paid off monthly so there is no revolving debt.
Credit Ratings? why do South Africans have to pay to view or know their credit ratings whilst is FREE in the States?The S A credit bereaus use the same name like Experian and others which are the same ones used in the States.
Credit Ratings?? My credit ratings were bad about twelve months ago but I was offered a credit card by GE Money. If I accept this card and keep my payments in top order will this restore confidence in lenders in the future?
Credit Ratings? Will it adversly affect my credit if I open a new credit card and close an old one that I rarely use? I opened an AmEx account about 4 months ago and I always pay in full every month. I know that currently my credit rating is very very good. I'm hoping to apply for a mortgage in a few months, and don't want to damage my rating
Credit ratings? I have excellent payment histories on my rent, my car (a lease), and am generally good with my finances. I don't carry any debt outside of my reasonable student loan. I only have one credit card and I only use it for small purchases that I pay off in full usually on time. My question is, a couple of times I have been a few days late making my credit card payment, although I either pay in full or at least half of the balance, depending on how much is owed. Do these infrequent late payments (a week at most) affect my credit score and how much?
Credit ratings how fast? I have a plan to fix my credit score. I got a raise thats VERY SIGNIFICANT. so i have a debt of 5000.00... 4000.00 chase credit card out of 5000.00 limit... 1000.00 capital one and hsbc credit card maxed out... so what i am asking is, IS IT OKY FOR ME TO PAY THE 4000.00 and transfer the 1000.00 debt to the cards so that will be the 10% debt that i should keep current. and I have OPENED a SECURE CREDIT ( where the bank freezes that amount and i pay my own money back) card through my bank of 800.00 balance. and Have been paying my other 3 bills on time. How fast do you think my credit score will rise?
credit card arbitrage and credit ratings. uk only.? If I transfer 3 credit card maximum amounts at 0% for 15 months to my hsbc credit card then move this money into a bank and use it as a deposit for an investment which will mature in a year and then pay all the credit cards back will this badly affect my credit rating. any website phone no i can call to discuss this?
Credit Ratings...PLEASE READ!!? OK, i got a capital one credit card and my limit was $200.00...i have not paid it in like 4 months...before i got the credit card i had no fico score...how do you think this will effect my score? I want to go shopping for a car but i dont know what my fico is like..is there any where i can check it for FREE? Please help!!! i just paid $50.00 on my cap one credit card. My min. payment is $297.00...thats why its so hard to pay the min..... what if i pay the remaing balance on the card so that i am in "good standing"....will my score go up? How long will it take?
Credit Ratings and Loans? I just got turned down for a loan on a ATV.. I'm just wonding what the hell I have to do to get a loan. Last I checked my credit score was in the 700's and I have been making payments on a car on time every time for over 2 years now. I don't have a high paying job, $10 an hour, but I have had it over a year and have lived in the same place for over 6 years. I've not been unemployed since I was in Highschool 17 years ago. I rent an apartment. What is it really that loan companies look for? and what do I need to do to start being approved for them? (if you really don't know, please don't answer, only serious real answers please [I will give a negative vote for all the stupid answers]) I am very fustrated..
personal credit ratings? I would like to know the personal credit rating of Mrs Barbara Lear, whose address is given as staying with friends in Devon
company that can get my credit in great ratings.? I have been trying to get my credit in great ratings so I will have great credit for the first time in my life yet it is taking for ever I would love to have some help that is on the up and up
Credit score ratings!!? I have debt of 5000.00, and got behind, and now I am current on my debt but when I got behind on my debt it dropped by credit from 690 to 580. So, now i figured i would moving back home to pay off my debt, I have recently got a raise income thats significant. So i figured in the amount I was paying at my apartment and its utilities i can apply that allto my loan and pay it off in 2 months. Will this help my credit score? SO is paying off my debt so quickly going to hurt my credit?
How long does it take to raise a credit score? I just got my credit reports from two of the credit agencies. My score was 550 on one and 625 on the other. I've started to talk to a few collection agencies and have sent payments in full to a few others. My family needs to move sometime this summer. We would like to rent a bigger house... everywhere I look online they talk about checking credit ratings. This has me a bit worried. So, how long do you guys think it will take my credit score to improve after these debts are payed off? I also, only have one store credit card with a low available credit... I've never been late on that one (I've had it 3 months). Should I try to get one Visa card, as well, and keep a low balance? Would that help? That's good to hear about rentals. :-) I really don't have much on my report. No utilties are on it - good or bad. The only big thing is what I owe the government in college loans, and, I think I'll be paying that till I die. At least that shows up to date. Thanks for your answers, guys.
How will marriage affect my credit score? Do our scores "average" or do we both take the lower score? We're getting married in the near future. We both own homes and work full time, but my income and credit scores are better than his. Should I buy our house before we get married and keep our finances totally separate? Will that protect my excellent credit rating? Or will my rating drop to his level once we're married no matter what? (I live in a marital property state.) What's better, qualifying for a mortgage alone on my income and credit rating, or waiting until we're married with our joint income but a combination of our credit ratings? How do banks approach these situations? Thanks!
which car insurance companies check for credit ratings to provide quotes? I have excellent credit score however I am not able to get a cheaper quote for car insurance. All the quotes I get online only ask for driving history and vehicle information but none of them seem to be interested in credit history? any ideas?
I was refused a mortagage because of R9 on credit file ?I have since paid it in full,& a crdit score of 655 ? Canadian person wanting a mortgage w good paying job. what can i do my credit score is 655 , this qualifies me for a mortagage, but there is a R9 for credit card in past from which i have paid it in full. i have receipts to prove to bank.The banker says to paid of the student loan a little more and than maybe they will consider ? --->how do i get the R9 ratings to R0 or something ? --->what rating is it when the debt was paid in full ?? --->Should the R9 rating be updated to reflect paid in full ?
Why can the credit scores given when purchasing a vehicle be much lower than your own personal credit scores? We have rebuilt our credit.. my middle score is a 698, my husbands is 713. We are looking for a new vehicle and were stunned to find a 10.99% interest rate from Chrysler Financing. The gentleman showed us that our "automotive credit" ratings were in the low 600s. We are a month ahead on both vehicles and we paid off the car he had after about three years into the loan. We are just shy of prime credit. Is there anything we can do to get a better rate? -I know the average rate for a new car is about 7-8% currently.
How can I find my past credit rating, not just my current score? Will the credit rating companies show my past credit ratings? Like 6 months ago or 1 year ago?
How does marriage affect my credit....? for instance my soon-to-be wife and I both have good credit history. She has a better credit score just do to the fact that she has a longer history of good credit. I have only had my 1st credit card for almost a year now and I have been making timely payments in full and they have already raised my limit once so I am sure my score is fairly good as well. If we both decide to combine our bank accounts and credit cards, etc., what affect will this have on our respective credit ratings?
confidenece interval????????`? when consumers apply for credit, their credit is rated using FICO (Fair, Issac, and company) scores. Credit ratings are given below for a sample of applicants for car loans. Use sample data to construct a 99% confidence interval for the standard deviation of FICO scores for all applicants for credit. 661 595 548 730 791 678 672 491 492 583 762 624 769 729 734 706 *****please kindly show how u got the standard deviation thanks:-)
TygerLily??? Can you help? TygerLily, posted this question in another forum and received mean responses. I think you had a valid question and should ignore that nasty so-called know-it-alls comment. Some people are so miserable they have to try and make everyone else that way as well. I am going to post your question and my attempt at help. Credit Question; score update? I am taking the advice of a lender and paying off a bill that is 2 years old. I am trying to increase my scores. Lender said the credit score will decrease prior to increasing. WHAT!?!??! Can anyone help me understand what is meant by this? When will the score increase? (I know very little about credit ratings, other then I have a good one. Which mean my interests rates are lower then most peoples. I do think that it sounds strange you credit would drop when you pay off an old debt. That is just my opinion) Common on folks, please help her out. You're welcome TygerLily and I hope I was of help. Nobody
TygerLily??? Can you help? I think you had a valid question and should ignore that nasty so-called know-it-alls comment. Some people are so miserable they have to try and make everyone else that way as well. I am going to post your question and my attempt at help. Credit Question; score update? I am taking the advice of a lender and paying off a bill that is 2 years old. I am trying to increase my scores. Lender said the credit score will decrease prior to increasing. WHAT!?!??! Can anyone help me understand what is meant by this? When will the score increase? (I know very little about credit ratings, other then I have a good one. Which mean my interests rates are lower then most peoples. I do think that it sounds strange you credit would drop when you pay off an old debt. That is just my opinion. Maybe one of my friends will know the answer) Common on folks, please help her out. I appreciate the suggestion and help, Peggy Sue.
what is Track-1 Technologies? what does this have to do with credit ratings or scores?
How to build my credit and fast? I am trying to build my credit in order to buy my first home in 6 months. i have only one account on my credit and it is in perfect ratings. I have many charge offs of hospital and doctor bills from about 3 yrs ago when I didnt have health insurance...any ideas on the fastest way to build my credit? ive applied for a couple cc and have ben declined and dont want to lower my score anymore try to get credit....thanks
abercrombie & fitch sells to gays but do they suport them ? So far as I have read that Abercrombie sells to the gay comunity, but they dont suport them. is that true or false..............................................................? I like there clothes ,I I bot 800.00 dollers worth of abercrombie & fitch on a credit card still paying it off. there polos run 49.99, so they raised them to 69.99 & I was kinda upset with them over that. 49.99 for polo is a lot asking already, but rasing the polos by another 20.00 is asking for trouble. Dose abercrombie Help the gay comunity lie do they attend the Gay pride perade & hand our condoms our do work in gay groups suporting them,,,,,<article I found > ---------------------------- Abercrombie & Fitch: So Gay, Not So Pro-Gay Posted by Dan Savage on Wed, Dec 6 at 3:50 PM Gay male consumers are, let’s be frank, total suckers. If a company shows us enough good-looking, half-naked young jocks wearing their products—or not wearing their products—we will buy their t-shirts, jeans, hoodies, socks, kitchen magnets, whatever. And for long as the company keeps market their products to us with boy tit (get that Bruce Weber guy in to shoot your ad campaign!), the gay shopping zombies will treat your company right. You would think, of course, that these boy-tit-flashing companies would recognize their dependance on the gay consumer and treat the gays right. Somehow despite their thoroughly homoerotic—and thoroughly effective—ad campaigns, Abercrombie & Fitch doesn’t feel like it needs to treat the gays right. Human Rights Campaign, a GLBT rights group, assesses corporations for their friendliness to gay and lesbian employees and consumers, looking at things like anti-discrimination protections, domestic partner benefits, and advertising practices. And HRC gives A&F a dismal 50 out of a possible 100 in their annual “Buying for Equality” guide. It can’t be that hard to get a perfect score from HRC: Gap, Levi Strauss, Nike, Nordstrom, and Sears—Sears!—all pulled in perfect 100 ratings. As much as I wish it were not the case, I doubt the news that A&F treats its gay employees like shit will matter much to the kind of gay men who wear A&F. The company markets to gay male consumers using the mystique of the impossibly beautiful, completely unattainable, likely hostile-to-homos straight boy. Internalized homophobia and thwarted longing infuses A&F’s marketing materials; some have featured “playful” and implied male-on-male gang rape. (Not that there’s anything wrong with that—so long the rape is just implied and, you know, playful and stuff.) But the guys in the ads are all exuberantly heterosexual—there’s usually a strategically placed girl, or a part of a girl, somewhere in the frame. (Can you spot the female?) These naked A&F boys are only comfortable naked around each other because the A&F boys in the ads are not just equally and impossibly beautiful, but equally and impossibly heterosexual. So they can safely romp naked in their locker rooms, lacrosse fields, and pastures—boxer shorts slung around their necks—because no upsetting male-on-male desire exists in the A&F universe. These guys aren’t sex objects to each other. They’re buds, and they’re safe around each other—a little assgrabbing won’t be misunderstood. Gay guys who wear A&F want to identify with that care- and homo-free universe. (Many of us copped a few feels in it before we came out.) It’s not they want to live in a world without homos—they do not—but because they at least want to look like they could live there. They want to believe that they, too, are impossibly beautiful enough and straight-acting enough to pass. For these guys, I’m afraid, news of the A&F’s anti-gay business policies will only reinforce the appeal of the brand. HRC wants us all to know that no self-respecting gay guy would wear A&F. We already know that, however, and that’s precisely why we wear it.
Dreamz,,, what a piece of work? does anybody out there feel that his actions was kind of a dis-credit to the network ??? i know drama and tension means ratings, but some where there should be line drawn this is my openion : Dreamz you rally scored a big fat "0" for the class and culture you so represent...you useless P.O.S .you were in the position to help yourself and others that were supporting you
stock margin accounts and credit ratings? does having a margin account raise your credit score if you use the margin responsibly, and vice versa if you abuse it
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