Credit Questions, Answers, and Tips
Credit is the lifeline to financial health and stability, so you need to get the credit answers to your questions on everything from credit scores, credit cards and credit lines to how to deal with bad credit problems with solutions like credit counseling.
Find the credit answers you need below, or even ask your own credit questions and get your own personalized advice... all for free from Bills.com!
Are all three major credit bureaus the same? Should I pay more attention one than the others?
How are minimum payments calculated for credit cards, and how are payments more than the minimum due applied?
I am buying a house and need to rescore my credit score rapidly. What are my options?
How can I be sure that a creditor reports a paid debt on my credit report.
I just completed a home refi and have good credit. Why was I turned down for a credit card I just applied for?
How can I get my spouses credit card debt put into my name so all our debts will be mine?
How will co-signing on a loan affect my credit rating and my ability to get other loans for myself?
My credit report says I am dead. How do I correct this wrong information?
The credit reporting agencies will not correct my address, and it is harming my ability to open an account. What can I do?
I have a large Federal Tax Lien and State Tax Lien on my credit report. What do I do?
I defaulted on my payment plan with a collection agent, and now they won't negotiate with me. What can I do?
If you pay an early termination fee to get out of a cellphone contract will it affect your credit?
How can I build my credit history?
I have an unpaid utility bill in New York from 7 years ago that just appeared on my credit report. Is that legal?
What can I do if my credit is damaged due to me being an authorized user on a credit card that is past due?
Is the original creditor or collection agent responsible for reporting my payments to the credit bureaus?
Will I harm my credit score if I close my oldest credit card?
Why did my score drop after paying a collection account?
Should I dispute a collection account if I know I owe the debt?
Should I do a deed in lieu of foreclosure?
After paying off an auto loan how long does it take to report to my credit report?
Will paying off my auto loan raise my FICO score?
Will opening and then closing my Gap credit card harm my FICO score?
My spouse and I are buying a house. His credit score is low. How does a FICO score work, and how do we improve his score?
If I close a credit card account, will that lower my credit score? What will happen if I close several?
Bank of America reports our old second mortgage is late each month. How do I convince BofA to stop reporting it as delinquent?
How do I determine the date of first delinquency on a delinquent account?
I am paying a mortgage, but recently learned my name is not on it. Can I walk away and not have it affect my credit rating?
Piggybacking on a strong credit card account can boost a credit score. What to do when an account goes sour?
A debt shows up five times in my credit history, and I want to pay it off. Which collection agent do I pay? Is this an error?
The credit reporting agencies lost the positive history in my credit report. What can I do?
Should I close my open accounts or will that hurt my Credit Score and Credit Rating?
How long will a lease termination appear on my credit report, and how badly will it harm my credit score?
My plain Chase card is my oldest. If I switch to a cash-back card at Chase, will that affect my credit score?
Should I max-out a low-interest credit card, or pay more on a high-interest card?
How long should I wait after paying my debts to dispute derogatory accounts that have not been updated in my credit report?
I cannot afford them monthly payments on my car what can I do to not let this damage my credit any further?
How long does a eviction stay on your credit report?
Can I make payments to my original creditor instead of the collector?
If I opt-out of the changes to the terms and conditions of my credit card will it affect my credit?
How do I pay less than full balance on my credit cards without declaring bankruptcy? Can I do this in a hardship program?
How long will a charge-off appear on my credit report?
Addresses other than mine appear on my credit report. I fear they are using my credit. What can I do?
I am divorced. Will it harm my credit to close joint accounts I share with my ex-spouse?
How much does a creditor accepting my settlement offer affect my credit score?
Will Late Payments on My Utility Bills Hurt My Credit?
What is the best credit monitoring service?
Capital One quadrupled the interest rate because I missed a payment due date by a day or so. Is that legal?
I applied for 6 apartments in the last month, which dragged my credit score from 709 to 648. What can I do to boost my score?
I have an old credit card debt and a collector is calling me. What can I do?