We purchased a house four years ago and sold it recently for more than we mortgaged originally. We are now renting. Does this help or hurt our credit?
I have been applying for work at employment agencies. They want my permission to conduct a credit check. My concern is that I was told in the past that if too many people are doing credit checks on me, it signifies a problem and can reduce my credit scores. Is that true?
How do I know who is checking my credit reports? Can anyone check my credit? Do you keep a list of these people? I think my neighbor knows everything about my finances. How is that possible?
If someone has your Social Security number and your date of birth, can they access your credit report online? How can you tell when your credit report was last checked, and by whom? I think that someone checked my credit report, and it was not me.
Can a vehicle repossession affect your credit bad enough to prevent you from being able to purchase a new home?
I mailed one payment late because I forgot about it, and when I remembered it was one day late. How bad will that look?
With all the real estate and mortgage problems today I am sure this question has come up before. But, for some reason I can’t find any information on any of the credit bureaus websites. How do the credit bureaus look at a foreclosure on a person’s credit report? Is it as bad as a bankruptcy? How many years does it take for it to go off the credit report?
I am confused as to why I have only one inquiry on my report but all three bureaus say “too many inquiries last 12 months.” Is this affecting my score very much? Even if it is not, why are they using that as part of their scoring system for me?
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