How long does a derogatory closure of an account pertaining to an auto loan affect your credit scores?
Should the hard inquiry I have on my credit report from applying for credit be removed if I ended up getting approved and establishing credit with the credit card company?
Categories: Report Advice
I recently tried to apply for a car loan. They told me I was denied because they could not find any of my credit history information. I have a few credit cards from department stores, so I’m not sure why this happened. What can I do to have my information updated?
I am an authorized user on my mother’s account. Will it affect me if she misses payments? Will it hurt my credit?
I’m a visiting J1 exchange professor at the University of Hawaii, and I’m being asked by the Hawaiian Electric company to pay a pretty hefty deposit for service to the house I’m renting. They have told me that Experian is the company they use for credit ratings and that the deposit is based on a rating provided by you. I have a very good credit rating in my home country. Could this rating not be used by your company?
How do I have old credit card accounts that are long ago closed or paid off removed from my credit report? I know that my score is negatively affected because of so many “open” accounts!
How will it affect my credit score if I short sell my house without missing any mortgage payments versus missing payments prior to the sale?
I have student loans on my report with different amounts but the same account number. They are all under accounts in good standing. I think that they are repeated. They are listed nine times! I also have two other student loan accounts with the same account number but with a different company. I have consolidated my school loans twice so I’m assuming that they are from before I consolidated. Do all these hurt my credit? They are all paid/never late/closed, but I’m concerned it shows that I over extend myself.
I co-signed college loans for my children. They are now both out of school, working and re-paying the student loans on time with no delinquencies. I would like to remove my name as co-signer. Will this increase my credit score, and will it decrease their credit scores?
Will adding one or more authorized users (my husband and my daughter) to my credit card accounts affect me negatively? My daughter will not have a card to use; I only want to help establish her credit.