Update on Credit Scores

As of April 29th my credit scores were as follows: Experian 739 Equifax 729 Transunion 748 These scores are all in the excellent range but they were not able to help me get a better rate on my car loan because I am currently upside down on the car loan. I noticed that I am listed on some credit cards that do not ‘belong’ to me in the strictest sense of the word. Honey added me as an authorized user on two of his credit...

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Carnival Of Credit Report Stories: June 9

Welcome to the June 9, 2008 edition of credit report stories. KCLau presents When should you rewrite your Will? posted at KCLau’s Money Tips , saying, "On what you should look out for when considering rewriting your will" imarketing4s presents How To Work Through Debt Consolidation posted at Loans and Finance . Mag Herrera presents The Quest for Making Money Online posted at Life. Money. Development. , saying,...

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How I Save Money Gives Credit Report Advice
May12

How I Save Money Gives Credit Report Advice

I was speaking about ways to save money with a coworker who mentioned that she wanted to buy a house soon. She was worried about the rate she would get because she knew her credit score was bad . This person, I’ll call her S, said she had a lot of unpaid medical bills and phone bills from her past. There were also a few bills that had been late in the past but then she had settled with the company so she hoped that had already...

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Crazy Things that Kill Your Credit Score…Part 2 of 2
Mar04

Crazy Things that Kill Your Credit Score…Part 2 of 2

This is a follow up to Crazy Things that Kill Your Credit Score…Part 1 of 2 where I spoke about the first two items on the list. Here are the two other strange items that can really ding your credit score in a bad way. Using Limitless Cards Library fines and other fees Let us take a deeper look at these two items and how they can end up having a negative effect on your credit score. Using Limitless Cards Limitless cards are...

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Why you SHOULD Keep Separate Accounts Even If You Are Married
Feb29

Why you SHOULD Keep Separate Accounts Even If You Are Married

I found this story about a Widow who finds her Credit tied up in her husband’s name after he died. This is a very unfortunate circumstance for her but it just goes to teach us the importance of having your own, separate credit history when you get married. I have already decided that when I get married my husband and I will keep separate accounts. This is not so that we can hide money from each other, but rather to protect...

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Crazy Things that Kill Your Credit Score…Part 1 of 2
Feb28

Crazy Things that Kill Your Credit Score…Part 1 of 2

Do you know what hurts your credit score? We all read about the obvious ones like Closing off old Credit Cards and Opening New Lines of Credit. Did you know that opening a new line of credit can affect your credit in a negative way for up to ONE YEAR after you open it? According to an article on MSN Money here is a partial list of Weird Stuff that Hurts your Credit Score. Opening New Lines of Credit Making Balance Transfers Using...

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