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Questions Found with the Tag: "Credit Score"

I was wondering which credit score is considered bad? I believe mine is 570.

Answered on

Any credit score under 630 is considered bad credit, according to FICO. If you are not sure what your credit score is, you can check it with all three major credit bureaus – TransUnion, Equifax, and Experian. Continue reading

I recently applied for a credit card but was rejected. Please advise.

Answered on

If you were rejected, the issuer will tell you why when they deny the application. Consider the reason and try to solve the problem. Before applying for another credit card it is good to wait a couple of months. Then check your credit score. After that you can apply for a credit card that fits… Continue reading

FAQs Tags: Credit Score
How does a credit card help my credit, and when am I going to see a difference in my score once I get a card?

Answered on

Credit cards (secured or unsecured) are one of the best ways to establish or improve your credit. Your credit score will rise if you make on-time payments and stay within limits. After six months of responsible credit card use you will see your credit score improve. Continue reading

Will it help my credit score to be added to someone else’s credit card account?

Answered on

It can help your score if you are an authorized user on another person’s account. Known as “piggybacking,” this is one method people use to improve their credit score. You should only authorize family members – a spouse, child or parent. Allowing a credit repair company to add you to an unknown… Continue reading

FAQs Tags: Credit Score
Can a person with no employment history have a high credit score?

Answered on

Yes. Credit scores are based largely on your history of repaying debts, so if you have a history of paying your credit card bills, car loans, mortgage or other debts on time, you can have a high credit score regardless of your employment status or history. Continue reading

FAQs Tags: Credit Score
What kind of card can I get to help bring my credit score up? Which one will I qualify for with a fair credit score?

Answered on

If your current credit is fair you can consider credit cards for fair credit history. Most of them report to the credit bureaus and have rewards programs. Also you can apply for a secured credit card. They are good for those who are rebuilding credit, especially after bankruptcy. They require… Continue reading

What does a credit bureau do?

Answered on

A credit bureau collects information about consumers’ financial behavior so that potential creditors can evaluate whether or not the applicant is likely to pay off their debts. They record information about the opening and closing of accounts, lines of credit, payment history and types of credit,… Continue reading

Is it possible to get a free credit report?

Answered on

Yes. Every consumer is entitled to one free copy of their credit report each year from each of the three major credit bureaus. Go to annualcreditreport.com and follow the steps given to get your free annual copy of your credit report. Continue reading

How can someone with fair credit get a credit card with a high limit?

Answered on

There are many cards available for people with fair credit. Your credit limit will depend on your credit score as well as your income – the card issuer will want to know that you have enough funds to pay the minimum balance due on your card each month. Continue reading

What is considered to be a fair credit score?

Answered on

A credit score between 620 and 680 is usually considered to be a fair or average credit score. Continue reading

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