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Posts Tagged ‘ balance ’

Credit card paid in full but does not show zero balance

  • March 13th, 2013
  • Posted in Credit Reports . Credit Scores . Featured

Dear Experian, I pay my credit cards off in full before the payment is due, yet my report shows a 60 percent utilization ratio. Why is this happening and how can I prevent this besides getting more available credit or not using my cards? - RBR[ READ MORE ]

Lowering credit limits can hurt credit scores

  • October 10th, 2012
  • Posted in Credit Scores . Featured

Dear Experian, I have heard that requesting lower credit limits can hurt your credit scores. Is this true? -MMB[ READ MORE ]

Impact of balance transfers on credit scores

  • June 6th, 2012
  • Posted in Credit Reports . Credit Scores

Dear Experian, I have a question about balance transfers. I have a credit card with a balance that I am paying interest on. My husband has an existing credit card balance transfer offer at 0% for 12 months. That card is under his name and it has no balance. If I transfer my balance to his offer, how will that affect our credit score? Also, do any balance transfers affect your credit scores as long as you do not utilize any of the accounts after the transaction? - STN[ READ MORE ]

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