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Posts Tagged Credit Score

How much does old bad credit affect your credit score?

Nov 10

Posted by Banki in Credit | 5 Comments

April B pyta:
How much does old bad credit affect your credit score?

I have 5 negative reportings on my credit report. None of them are after the year 2004. I am wondering since there over 4 years old, how much are they affecting my credit score? And, has anyone ever heard of credit card companies deleting accurate late pays if asked?

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How long will credit score take to return to normal after opening a new credit card?

Oct 14

Posted by Banki in Other - US Local Businesses | 2 Comments

leisha pyta:
How long will credit score take to return to normal after opening a new credit card?

I recently opened a new credit card and noticed that my fico score plumetted 50 points after doing so. How long will it take for credit score to get over the fact that I opened a new account and regain those 50 points?

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What is your credit score when you get your first Credit card?

Sep 12

Posted by Banki in Credit | 3 Comments

Carl Williams pyta:
What is your credit score when you get your first Credit card?

I am looking into getting a credit card, and I want to know what is your credit score when you get you first card.

How do they work? How much money do you need to use them ( bills )? I will be using it mostly on pay later options, and I DO plan on paying it off.

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How does transferring balances on my credit card affect my credit score?

Aug 7

Posted by Banki in Credit | 1 Comment

Renae L pyta:
How does transferring balances on my credit card affect my credit score?

I consolidated two credit cards onto one new credit card that offered 6 months 0% APR and then a lower APR after those months were up than what the charges were on before. I have been making monthly payments and have made good dent in the debt, but now are receiving better balance transfer offers. Should I transfer the balance again, even though it has been just over the 6 months? Will is hurt my credit, which is pretty good right now?

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What does my credit score have to be to get a Walmart credit card?

Jun 7

Posted by Banki in Credit | 5 Comments

spaztikus pyta:
What does my credit score have to be to get a Walmart credit card?

I want to get a Walmart credit card…My credit score is not the best but not the worst either…it’s around 616. I dont want to apply and make it any lower unless I know I can get a card.

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How long will credit score take to return to normal after opening a new credit card?

Mar 26

Posted by Banki in Credit | 3 Comments

Jared pyta:
How long will credit score take to return to normal after opening a new credit card?

I recently opened a new credit card and noticed that my fico score plumetted 50 points after doing so. How long will it take for credit score to get over the fact that I opened a new account and regain those 50 points?

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What does your credit score start out as?

Mar 5

Posted by Banki in Credit | 3 Comments

Sierra S pyta:
What does your credit score start out as?

I just turned 18 in the end of October. What would my credit score be now? What does it start out as? What is the eastiest way to build your credit score? How long does it take to build your credit? Do you get points per month or what?

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How do you improve your credit score if you have poor credit and new accounts?

Feb 27

Posted by Banki in Credit | 6 Comments

La Sona J pyta:
How do you improve your credit score if you have poor credit and new accounts?

I have alot of derogatory items on my credit that I actually need to take care of. I have opened some new credit card accounts since I have never had credit cards before. What is the best way to improve my score so that I am not such a high risk?

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What should your credit score be to get a good credit card?

Dec 9

Posted by Banki in Credit | No Comments

wifey pyta:
What should your credit score be to get a good credit card?

Is it 600 or above? I am working on fixing my credit and I have an auto loan that will help rebuild my credit. I need a credit card for emergency’s and to help my credit, just wandering when I should apply for one. Right now Its not near 600.

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Can credit card companies close your accounts without warning? How does it affect your credit score?

Dec 8

Posted by Banki in Credit | 6 Comments

Sara pyta:
Can credit card companies close your accounts without warning? How does it affect your credit score?

I received a letter in the mail from Juniper (iTunes Rewards) stating that they have closed my credit card account due to inactivity. I opened the account about 18 months ago and have never actually used it. Can they close my account just like that without any warning? How should I handle the situation? (Is there anything I can even do?)

Also, I know that closing credit card accounts lowers your credit score. Does anyone know how much mine will be affected?

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