Posts Tagged ‘ score ’

The impact on credit scores when you exceed your credit limit

Dear Experian, Will going over the credit limit on a credit card affect my credit negatively, even if the creditor does not charge a fee? - CHO

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Impact of mortgage “short sale” on your credit report

Dear Experian, Some people are saying a "short sale" is better than a "foreclosure" on a credit report, but is that true? Don't both circumstances drop the credit score significantly? - NTE

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Getting your free annual report will not hurt your credit scores

Dear Experian, I received a call today from my credit card company trying to sell me their credit fraud protection program, and she told me that whenever I order my free annual credit reports allowed by law that my credit scores are negatively impacted each time. Is this true? I went online to the Federal Trade Commission website to verify her claim but there was no mention of the impact to the credit score when using this program, only that it is free from each credit agency annually. - JPA

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The impact of a voluntary vehicle surrender

Dear Experian, I am considering a voluntary vehicle surrender. What ramifications can I expect, both financially and on my credit report and credit scores if I agree to surrender my vehicle to the creditor? - COF

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