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If you are talking about credit score, understand that I am not a credit expert, but since a credit score of 620 is bad, 215 would be a terrible credit score. If this is for a test like the SAT, this is also horrible. The average score of the SAT is about 500, and even that isn't that good of a score.
It will go on your credit score. This can make it difficult to get loans later on or to even get a house.
Ask your lender.
A free annual credit report does indeed give you a credit score. Sometimes they will even give a credit score from several credit score companies just to get a better overview of your credit.
Yes, it is possible to have a credit score even though you don't currently have any credit cards. If you have ever applied for credit of any type then you are likely to have a credit score.
Your best bet would be to close those older credit cards. While it may take some time, your credit score can be improved. However, opening a new credit card, even if it doesn't affect your credit score may not be the best way to go. I am unsure if there is a credit card that wouldn't affect your credit score.
Pay your bills. I don't know that a credit inquiry will lower your credit score. What does affect your credit score is not paying. Even if you pay late, it shows willingness to pay. But as far as someone checking your credit, I don't think that will actually affect your credit score. Pay your bills. I don't know that a credit inquiry will lower your credit score. What does affect your credit score is not paying. Even if you pay late, it shows willingness to pay. But as far as someone checking your credit, I don't think that will actually affect your credit score.
Your credit report is one of the most important numbers you will have in your life. You can call one of the credit reporting agencies to have them send you your credit score. When you buy a car or a home your credit score will be used to determine the down payment and the monthly payments. It can also determine if you even get the house or car you wish to purchase. You can improve your credit score by making payments on time.
A credit crunch is related to your credit score, because it means that banks are especially strict about who they will lend to. They are less likely than usual to extend credit to someone with a low credit score, so maintaining a high score is even more important than usual.
A 331 FICO score means in plain english---You have horrible credit. You can`t even get bubblegum on credit :P
There are a number of reputable organizations that will provide you with your credit score, some even at not cost to you. Equifax is just one example http://www.equifax.com/
No, it won't affect my score, she's not my wife. Just kidding. Credit may be obtained individually (even in community property states) by law. Therefore your spouse can apply without you, meaning that your information and your social security number (by which you would be reported to the credit agencies) are nowhere on the application and you will not sign the agreement. If this is how she applies, it will not affect your score.