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?
I have a tax lien on my credit report. I know it isn’t mine. It belongs to a relative that was living with me. I am having it removed as we speak. I was wondering about how many points does this affect my credit score on average?
I got a call from Sallie Mae telling me someone had pulled my credit report. How do I find out who that was and why?
Why is it important to establish credit while you’re young? If I don’t establish any credit will it affect my future and why?
How often can I check my own credit without getting dinged for it? I do not want to affect my credit scores by over-checking.
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