What is the difference between a “Plus” score and a “FICO” score? On a June credit report from Experian my Plus score was 790 (330-830), while my FICO score with Experian was 889 (300-850). I realize both scores are excellent, but I would like to understand it further.
How long do public records – tax liens specifically – stay on your credit report? One source I checked says seven years after the date of filing but another source says seven years from the date paid.
I recently asked my landlord to end my lease early. Her response was, “You must pay your lease, and as you contracted. Or, you can suffer severe credit damage.”
Is this true? Can she make a report to Experian and the other credit bureaus that will post to my credit history?
I disputed an account on my credit report. It came back “updated,” and on the status shows “closed.” Then it states, “account closed by grantor’s request.” Does this mean it is closed and I don’t have to pay that account, or does it mean something else?
In the long run, will my credit be more positively affected if I pay off collection agency debt in full as opposed to accepting and paying a settlement amount?
Is it true that when you get married you automatically inherit your spouse’s bad debt or bad credit and does it show on your credit report? I have a close friend that said that is exactly what happened to him. I seriously doubt him, but just the same I need to know the truth. I will be marrying soon and was wondering if I should be concerned due to my future spouse’s “bad debt.”