Posts Tagged ‘ credit score ’

Use cards a little and pay balances in full to build credit

Dear Experian, I am trying to rebuild my credit. Is it better to keep a zero balance on the credit cards that I have recently paid off or keep a small amount and pay them off each month? I still have some credit cards that have a balance on, which I plan on paying off completely. I would just like to know the best way to raise my credit score. - LLO

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Effect of multiple mortgage applications

Dear Experian, Will it affect my credit score if get I get a mortgage pre-approval letter from more than one bank? If it does how much would it affect my score? Also, will it affect my score, if I check my credit score with you guys? - UYI

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“Potentially negative” items listed on credit report

Dear Experian, How can I get my credit score up? It seems to keep going down, and I have paid almost everything off. Also, if an account is paid in full, why is it considered potentially negative on my report? Can I remove it? - EIG

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