Your credit score is one part of your rental application, and it's important to know that landlords will usually check all three credit bureaus when considering an applicant. If you have a low credit score, you may want to ask your husband to cosign on the lease with you. This will help improve your chances of being approved for the apartment you want.
A credit score is only important during certain transactions in life. If you need a large loan for something, want to rent an apartment or apply for a credit card, you will need to have a good credit score in order to get approved or receive a more beneficial interest rate. However you typically don't need a credit score for daily life.
No, not if the accounts are separate. Married couples credit ratings are only affected equally when the account is held jointly.
It only hurts your credit score when someone else pulls your credit report.
The absolute highest credit score you can get is 850. Only one out of every two hundred Americans has a perfect credit score of 850. It is very difficult to obtain a credit score that high.
No Fico is not the only credit score company. There are three major credit companies as well as Fico. Experian, Equifax and Trans-Union. Each one will give you a different credit score as well
Your credit score is determined from the data on your credit report. Most credit reporting sites sell or give away for free a credit score with your credit report. Some site only give away a credit score. So, the answer to your question is, yes, your score generally comes with your credit report but it is not always included.
No, checking your own credit score is called a "soft inquiry" and will not affect your credit score. Only "hard inquiries" - those from potential lenders affect your score.
No, only if the account is a paid closed account. What affects your score is utilization of your credit limit, which should only be about 25 to 35%.
No, because its for a business and it's not in your name. It will however change your credit score if and only if you have a business credit card in your name.
No. The only thing that can lower your score is when you apply for new credit. Many companies do background checks that include a credit report, but this will not lower your score. There are ways to avoid lowering your score on accident. Make sure you're not falling into these credit traps.
No, only the primary cardholder's credit score is affected.
It can..it depends on how many open credit accounts you have. But will only have minimal impact on credit score.