I am considering buying a home in a number of years. In the meantime I am trying to improve my credit by taking out a mix of credit cards, auto loans, and personal loans. I plan on taking amounts that I can easily afford. I am wondering if there is such a thing as a minimum credit score requirement?
Would it be more beneficial to my credit score to use some extra money I have and pay off 3 credit cards that I currently have active (never been late on any of them, but the balances are close to the credit limit), or, would I see a better benefit to my credit score by using the money and paying off 3 older/charged off collections accounts that show on my credit? I'm not sure if resolvi...
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I am an authorized user on three credit cards with my partner of 10 years, however we are not married. I would like to assume this debt in full as my own. Each card is under $1,000 or just slightly over. We paid and were current until about a year ago when we both lost our jobs. I would like to know if this can be done and if so how I would go about doing it?
Husband and I got a secured credit card to improve credit rating. We were told to charge $100 and then make minimum monthly payments on that. We do not wish to pay 21% interest charges. Can we charge $100 each month and pay that amount off each month and still get a better credit rating?
My daughter has asked me to get a credit card with her as a joint holder or at least an authorized user as she has no credit. Will this affect negatively my score of at least 750? What's the best option in this situation? She is trying to build up her credit and hopes by having me as the cardholder but her as a joint and paying on time, etc. that it will help. Is this true?
What or which lender will qualify me with a FICO score of 644 TU EQ EX for a $36,000 auto loan? With $0 down payment? What is the minimum-maximum $ amount if down payment is required? Yes willing to put down payment up to $10,000. No co-signer.
I'm two payments away from being debt free and I used Freedom Debt Relief to get there but now what do I do to repair my credit. I started the program in 2009 settling and paying off $41000.00 of divorce debt and credit cards. I'm now newly remarried with a child and one on the way and have just been offered a new teaching position and we really want to buy a house so what is next?
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