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.
What is the time frame that collections agencies can go after their money?
Does the balance-to-limit ratio only apply to credit cards, or does it apply to installment loans, such as student loans or auto loans, as well?
How long after negative information is removed will it take for your credit score to go back up? When viewing your credit report, can a business see if you have been denied credit?
If one credit agency deletes a record because my dispute was favorable; how does that get reported to the other agencies, or does it? Do I send a copy of the result of investigation to the others so they can remove the unfavorable item?
I used Quizzle.com to see my Experian credit report. You have my current employer incorrectly listed. The employer you show was a couple of jobs ago, and I work for a completely different company now. How significant is this? Should I request you update your records? Will I harm my credit standing by making such a request?
Does settling a debt that is showing negative on my credit report as a “collection”, get removed from my report as soon as it is paid? Does paying this debt help raise my credit score?
Dear Experian, Some of my accounts that are paid in full show “closed” instead of “paid in full.” Does this hurt my credit rating? If my account is paid in full but did have delinquent payments throughout the term of the loan, can it be deleted seven years from the original delinquency date? – OGG […]
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