Your unpaid medical bills will not be reported to credit bureaus until sent to a collection agency. As long as they remain with the provider, the unpaid balance is just that, an unpaid balance. However, some interest rates may apply, depending on the state that you are in, so that balance could change.
No, having a negative balance in an unused checking account will not directly affect your credit rating. However, if you fail to pay off the negative balance and the account is sent to collections, that could potentially have a negative impact on your credit rating.
Yes. Any new credit account or loan will effect your rating.
No, your credit rating is separate from your spouse. If he or she cosigns it will only effect his or her credit rating.
It helps because when you transfer the loan, you are actually "paying it off".
Cash transactions do not normally have any effect on a consumer's credit rating.
It's probably best to shop around for your automobile loan get the best rate, but limit your applications to a few banks as multiple credit searches can have a negative effect on your credit rating.
Negative credit rating. Stays on your credit report for 7 years. Don't let it happen.
Poor credit rating means the person has received negative feedback from lenders in his/her past. This can be because the person did not pay back his/her loans in time, or at all.
Canceling a credit card my have a negative effect on your rating if it has not been open very long. What lenders like to see is a steady and lengthy payment history. So it is a good idea to keep it open and keep the balances very low. After having the account for 2+ years I would say it is safe to cancle only if the card is bad for you, for example it may have annual fees, high APR, low credit limit etc.
Not as long as you don't default in the payments.
No. Even if they were new fines, they would have nothing to do with your credit rating.
As long as you are on the mortgage it will show on your credit report and effect you credit no matter if you are the primary, secondary or co-signer