Challenge your employer on this question. Much to my surprise my corporate American Express card was on my. Fortunately it showed 40 months of on time payments. The plastic card has my name, but the over all account is in my bosses name and the bill goes to accounting. I never see it. Nobody here, including the owner and the head of accounting realized this was how it worked until I showed them my credit report. So your company may not know either.
Many lenders look at credit counseling as a bankruptcy. If you have debt that is managed and paid by a CCC and the agreed upon repayment schedule is being met then it should not effect your credit score. However, if you plan to buy a house, most mortgage lenders will turn down borrowers in credit counseling.
Yes. The new laws will affect any credit card company. They do not totally go into effect until Feb. 22, 2010. You can read all about it at the article in the related link as it contains details of both the good and the bad parts of the laws and how they may backfire for responsible users of credit.
Usually, they contact the cc company. Negotiate a lower rate. You pay the settlement company directly instead of the cc company. The effect varies depending on the cc company and the credit report company. It may say that the account is in some type of deliquency despite the fact that you are paying it off. It may just say the account is closed and show your balance (which still lowers your score because it increases your debt to credit ratio since you have a balance despite no credit available.) It won't be horrible on your report though. You can still have good credit despite doing this.
No. The next time a creditor or employer sends in data to the 3 credit agencies or requests data from them your new name will appear as a "variance" or aka along with all names you have been known by in the past (if they were reported). This won't affect your score but may cause a mortgage or auto loan company to request a statement of your identity to clarify.
If you are an authorized user of another persons credit it has no effect on your credit at all. It will not raise nor lower your score. The credit card company simple issues you a card with your name on it and then holds the person who holds the credit with them responsible for any charges you make.
Companies will look at your credit report to see how responsible you are with your loans. If you didn't pay back, or we're late with a loan on one company, then another company you might want a loan from might not take the risk. The opposite is true if you are responsible with your loans. Also your credit score will drop down, and if you waste you money on useless items/things, then you will have bad credit.
Credit cards have the advantage of providing generally up to 56 days credit at no cost providing the balance is repaid in full. This is making best use of other peoples money (the bank or credit card company) in effect but you have to be sure you can repay on time or potentially sky high interest charges kick in.
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