Information to help you qualify for credit
Whenever I apply for any kind of credit, I tell the lender what my credit score is but they still check my credit. All the advice I have seen talks about the importance of knowing your credit score, but what’s the importance of knowing my score when the creditors run it anyway? Also, how do [...]
I”m thinking about buying a used car soon and I was wondering if there is a way to check what kind of loan I qualify for without it being an inquiry on my credit report. Is there a way to do this? Also would pre-qualified or pre-approved inquiries hurt my credit score? My credit score [...]
I just finished college, and work full time. I have a debit card, and building good credit from paying off loans. A lot of people have been telling me to get a credit card, but I wonder if it really is necessary. Please give me some good reasons to get a credit card other than [...]
I need to combine all my bills into one easy loan payment. I don’t want to deal with debt consolidation companies because they are really a rip off and they limit what you may be able to do financially in the present and future. I need a loan to build my credit score. I’m not [...]
Ahead of its time this is a cartoon animation that’s been up on the web since 2006 and is all about the credit crunch crisis. Credit card spending and loans from banks are in their trillions of dollars and something has to give. We no longer spend what we have earned, we spend what we [...]
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 absence of installment loans will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score [...]
I have a visa credit card with a credit limit of $15K and an Amex card with a credit limit of $10K. I spend about $3k total on the two cards each month. I pay the balance every month before the due date (no finance charges). I don’t have any other loans or debts. My [...]
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