prudence asked:


I have a debt of 897.00 on my credit score that has been paid already, I need to build my credit to buy a car my credit score is 550 and I’m not planning on getting a credit card to build my credit. How can I build my credit?

Linda T asked:


I ordered a credit report & scores from Experian: score 781(Very complete report) Equifax: score739 (Had only 2 accounts on report and they had been closed since 1989 &1999) TransUnion: score 746 (Payment status on most all of my accounts were either “unrated” or “unrated or bankruptcey” I have never had a bankruptcy and I feel that statement infers that I have. I have applied for a refi on my home (getting rid of an ARM mortgage) and I was told that they would take all 3 scores and average them out. I feel this is not fair to me because of the two credit reports that are not complete. Is there any way that I can make the credit bureau complete my file? Maybe send them a copy of my report from experian? Thanks LindaT

drbubbles24 asked:


I’m trying to order a report with my credit scores without signing up for some trial membership that I will need to cancel later. I know I can order the credit reports for free but I need to know my scores. Can someone help me?

Nella asked:


My boyfriend is in the process of clearing up some derogatory items on his credit. Once he has paid his debts how many months will it take for him to be approved for a credit card? I understand that the items will be on his credit for 7 years. Will he have to wait until then to start reestablishing credit?

esqmensch asked:


I am interested to know if the IRS will allow us to deduct our expeneses in these areas. If so, then I believe that more people would be interested in checking their credit reports and scores for accuracy or even monitor them. Of course annualcreditreport.com is free, but monitoring services and credit scores cost money, which may stop many people from checking their credit information more than once a year for each credit bureau. Thanks for your help.

michelle j asked:


Here in the last week or so I have been having inquiries deleted also paying some items off. How does it work when trying to boost up credit scores? HOW?

Layton asked:


My current credit score is 745 and I’ve built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the abscence of installement-paid loan will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score since I am planning to apply for a mortgage in the near future?

kita asked:


I am looking to raise my credit score and I have been turned down buy credit card companies and I spoke with someone that said I could get a pre approved credit card but i thought all credit cards were pre approved. Please help me I need to raise my credit score. Thanks

amhjp1820 asked:


Ok, past credit messed me up. I have a judgement thats almost paid off. I am trying to raise my credit score.I have 3 new accounts that I’ve paid on time for over 1 year. I read that one way to raise your score is to ” piggy back” on a relatives good credit ( have them add me to one of their good accounts and not use it) Is this safe, is it legal. I would love to hear constructive ways to increase my credit score. Please don’t judge me. Almost all of my ” bad” credit accounts have been paid off. I put my sons first when the divorce came. They lived in the house that I paid for while I lived in a basement.

twila asked:


My credit is around 570. I would like to increase it, but I was wondering what the cut off between “bad” & “not so bad, sorta fair” credit was, as I am planning on applying for a card to increase my score RESPONSIBLY. After paying off all of my debt ( which made me feel GREAT!!!), I need to rebuild my credit.

Suggestions?