yes it does affect getting a new job.
Trading in a car does not affect your credit unless you sign a new car loan and get a new car. This may negatively or positively effect your credit.
Yes. Any new credit account or loan will effect your rating.
Bad credit will affect your APR on any new loan. Most banks use a tiered credit system to determine APR.
That depends on what type of job you're looking, and what exactly is in your credit report. For a business/finance related job - it will probably have some effect. otherwise - a few late payment should not matter too much. NOTE - you need to give potential employers a written consent for them to be able to access your credit report.
Yes you can apply for exact credit card, it won't affect your credit at all.
When you ask a possible creditor to inquire about your credit, it may affect your credit. This is because it implies that you're possibly opening a new line of credit. But you have the right to look at your credit report without affecting your credit. When you request your credit report it's called a "consumer pull" and has no affect on your credit.
If a consumer does multiple inquiries into their credit file, your score will drop, especially if your inquires are from credit card companies. The theory is: a consumer may not have enough money and needs more credit to sustain his/here lifestyle which bring in more debt, thus applying for more credit.
Yep
No, your low credit score should not affect your husband's credit score, unless the lender/bank uses both your information for the loan. Credit score is based on each individual's information.
{| |- | Requesting a credit report will NOT affect your credit. You have the right to look at your credit report without it affecting your credit or score. When you request your credit report it's called a "consumer pull" and has no affect on your credit. The only time when requesting a credit report can affect your credit is when you ask a possible creditor to inquire about your credit. This is because it implies that you're possibly opening a new line of credit. |}
When you ask a possible creditor to inquire about your credit, it may affect your credit. This is because it implies that you're possibly opening a new line of credit. But you have the right to look at your credit report without affecting your credit. When you request your credit report it's called a "consumer pull" and has no affect on your credit.
{| |- | Having and using a credit card wisely can be beneficial to your credit rating. However, if you're constantly applying for new credit cards, it can hurt your rating, especially if you're getting turned down for them. Applying for too many credit cards, in a way, shows that you don't have enough capital to afford your cost of living on your own income. And if you're getting turned down by creditors, it's an indication that your credit standing just isn't up to par, and other creditors will weigh these rejections against you. |}