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Loans and Credit
Installment loans are an important part of your credit report. The payment history on your loans, how long you have had them, the types of loans you receive and how much debt you have all influence on your credit scores.
This column provides advice for you on loans and credit whether you’re shopping for a car or home loan, thinking about cosigning a loan or borrowing from your 401K. Learn about consolidating loans, the responsibilities of cosigners and how home equity line of credit can impact on your creditworthiness.
- After short sale, don’t hurry into a HELOC
- Auto loan inquires and credit scores
- Bank may not notify you when cosigner fails to pay
- Be very cautious about cosigning your girlfriend’s or boyfriend’s lease
- Can mother keep car after daughter makes the payments
- Choosing between a motorcycle and an engagement ring
- Cosigners are responsible for debt repayment
- Cosigning for a student loan can affect your credit report as well as the student’s
- Cosigning mortgage for daughter can impede access to future credit
- Credit reporting companies do not turn down or approve credit
- Credit scores and your home equity line of credit
- Deciding whether to cosign a car loan for your son or daughter
- Home equity account not likely tied to payment of other debts
- Income isn’t the key factor in getting credit card
- Loans from your 401k do not appear on your credit report
- Mortgage holder must make payments even if not living in house
- Owner-financed mortgage not reported on credit report
- Parents refuse to cosign for student loan to protect credit standing
- Paying off a debt early won’t help credit scores
- Spouses equally responsible for entire loan payment
- Student loan delinquencies are reported in the same way as other accounts
- Student loans and the benefits of consolidating them
- Student loans listed as “transferred” after being consolidated
- Student loans reported as not in repayment
- The impact of using 99% of your available credit before applying for a mortgage
- Turned down after being preapproved
- Why you may be declined even with no late payments