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Posts Tagged ‘score’

How often to apply for credit card?

Now, I have never had a card. And when I applied I was denied, because there’s nothing there. I don’t have a score or credit history. And I heard when you apply for a card it lowers your score. What if you have no score? Do you go negative?

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Law student w/new baby, FT job& bad credit – How can I get an apartment?

I had a bankruptcy on my record in 2002, and am cleaning up my credit report – yet its just under 600, my score- until things get taken off . I’ve had a FT job all my adult life, have immigrant husband who is also working, 0 credit cards, excellent rental history, no criminal record, yet I am scared to death to not be able to get an apartment with adequate heat for my baby this winter. Any advice?

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Is a 627 credit score high enough to apply for a secured credit card?

I would hate to apply for a credit card just to be turned down and have my score go lower for the application request ! I hope some one can help ?

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How many credit cards can I have? If so, Can I cancel old one and apply for new one?

Here’s my situation. I have a Wells Fargo Visa Credit Card that will expire it’s promo 6months 0% Interests. Now that market are down and many financial institution are raising their promo all the way to 15months 0% interest. I am tempted on this. I was reading some yahoo q&a that having too many credit cards can hurt your score. What is the limit that you can have that won’t affect your score much?

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Does closing your credit cards affect your credit negatively?

I was going to close out some credit cards with of course 0.00 balance but I heard it will affect your credit and/or score. Will it do either?. I have a few with high limits and I don’t have anything on them and I thought if anything it would make my credit better. Please help!
I have had a few for over 7yrs and one that was just opened.

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i want to cancel my to credit cards that have high interest and get one with lower will it hurt my score?

i have two credit cards that have like 30% interest on them…..i do not use them and i haven’t in over 2 years if i cancel them and try to get one with lower interest will it hurt my score….? i plan on using the one with lower interest if it has a 0% rate for a few months

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How do I get a credit card with bad credit and a cosigner?

I have a cosigner that has excellent credit that will cosign for me to get a credit card to build my score plus to have for emergencies. My score is a 585. I pay my bills on time and don’t spend alot of money on dumb things. I just don’t have anything but a car loan giving me credit and a couple of old accounts that need taken care of.

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2010 Secure Small Business Credit Card suggestions…?

I start my small business 2 years ago and this year I applied for business credit card at all major banks and got all Declined!
My next option is a secure business credit card, searched all major banks (2010) and couldn’t find any offer.

Any suggestions?
List of all declined applications:

Inc-Chase-Business Credit Card
Bank of America-Business Credit Card
Capital One-Business Credit Card
Citi-Business Credit Card
HSBC-Business Credit Card
Mastercard-Business Credit Card
Visa-Business Credit Card

Aplication in pending:

Descover
Amex-(no Chanse)

My score is all over 725, no late payments, all accounts in GOOD standing!

Any suggestion is appreciated

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Credit max limit is 0 on Equifax, but actual is 7,000. Does this reflect my percentage maxed out?

On my credit report, it shows the maximum limit of one of my cards as {content}. The limit is actually ,000. I carry about between 0-20% balance on my cards but being that the reporting agency sees the max as {content} and the balance is over that, is my combined credit card percentage max being skewed and is this affecting my score?

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Can unused credit card with 0 balance damage my score?

I just paid off my balance and not planning to use my credit card at all…should i cancel it or just leave it. Will inactive account damage my score?