Credit Score

Posts Tagged ‘credit score’

How to Increase my credit score?

My score at Equifax is 723
My score at Transunion is 738
My score at Experian is 739

Question:
I plan to get a job in bank industry that require to check my credit score, how they going to calculate my score if my score is diffrent in 3 credit bureu. My employer require my 800 score to get a job
they will get score from 3 credit bureu

Question:
How to Incrase my credit score

Currently as a positive factors are
-The proportion of the balance to credit limit is 4% (total credit limit of ,000)
Citi-,000
American Express- ,000
-The presence of bank/national revolving credit has been estabolish
-You are using relativly low balance compare to credit limit
-You have never been late

Current negative factors is:
-The lenght of time your account has been estabolish is relatively short
First account open 14 month ago- Credit Card- Citi
Second account open 3 month ago-Credit Card- American Express

-I have never been late with any payment
-Pay in full each month
-no inquire (hard cover inquire) within last 24 month
-no collection
-no public record
-no garnishment or other negative factors

Question:
It is ok to "load with a debt" for ,000 and pay it with 12 month period( with intrest) to increase my credit score?

Any suggestion ,comment, welcome!

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What is the best way to negotiate an offer to settle your credit card bills?

I am no longer working and have closed my credit cards with high balances (the most is 00). I will be getting a chunk of money next month and would like to settle these debts on my own without having to use one of those debt management companies. What is a fair offer to make on a debt that size? How do I go about doing this, and what about my credit score? Please help.

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Use a Gap Card to Build up Credit?

I did a Credit Report after being denied on a Personal Line of Credit to see that my Credit Score was considered "Poor." I was wondering- If you open store credit cards like Gap but NEVER use them will this help your Credit Score?

Or should you use like every month and pay it off?

Which Stores offer the BEST Credit Card Deals??

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When using a debit card as a credit card…?

I’ve never done it before, so I’m wondering if I use my debit as a credit card, will I get something like a credit card bill in the mail with monthly payments expected? I’ve never had a credit card to compare this with. Is there ever interest when using debit as credit? Does it have any effect on my credit score? If I have a low balance, can I still make a larger purchase and pay it off like credit??

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Regarding credit, would I be better off paying credit cards off or leaving small balance on them?

Would it be better for my credit score to pay off and close some of my accounts such as visa and maSTERCARD compared to keeping small balances on them and keeping the balance’s low at all times but keep them open?
Thank you for your help

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How should I pay off my credit cards?

My husband and I have two credit cards. no car payment, no home loan etc.
We transferred his car loan to one credit card which has no interest for one year.

Bank of American (university Alumni card) 0% APR until Sept 00 on 00 credit limit

Capital one 7% APR 80 on 3400 credit limit

now, how should we pay off them? My husband has pretty good credit score. but, we want to raise his score more.

What do you think?

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Taking advantage of 0% APR on my credit card?

I just got my first credit card with 0% APR for the first 7 billing cycles and with an initial credit limit of 00. Let’s say I take advantage of the 0% APR by immediately buying an object worth about 0 with this credit card. And, supposing that I pay in full this 0 debt in 3 months by paying more than the minimum payment every billing cycle (within 3 months which is well before my initial zero APR changes), how will this affect my credit score ? Will it hurt or help ? This might sound like a dumb question to you, but this is my first credit card and I really want to start building my credit history in a positive note. Thanks for your comments.

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Can I keep using 0% APR, $0 fee balance transfer offers every 12 months to pay off my credit at 0% APR.?

I have about ,000 in credit card debt at 16% APR. I’m going to use a balance transfer with no fee to a card with 0% for 12 months. Can I just do a similar transfer every 12 months to a different card (with similar terms) to keep getting the 0% rate? Does this affect my credit score? Any pitfalls or fine print details I haven’t considered?

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pay off credit cards or use with buying a car?

OK, I know I need to get a different vehicle soon and what better time to do it then at tax time? I am anticipating about ,000 back and I was thinking of using it to assist in purchasing a vehicle, but then I got to thinking, "Would it be better to pay off ,000 of the ,400 in credit card debt i’m in or use it for the vehicle?" The credit score analyzer calculator said my score would be around 680 if I paid my credit cards down that much (compared to my current 647 score). Should I pay that towards credit cards or use it toward a vehicle. Either way, I am going to the bank to get a vehicle loan, so if I used that ,000 toward a vehicle, that would be a ,000 less I need to borrow. I am stuck on this one guys…any suggestions?

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How to know which credit card will give u the best INTEREST PERCENT?

i got a 730 credit score

i got offers for new cards

i want to transfer about 2k onto 1 card

alot of cards offering me low apr % but they dont give an exact number

do i have to apply for these cards just to see the %? doesnt mean i have the card right? dont want to commit, just want to see my apr %