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What else can I help you with?
Does being denied for credit lower your credit score?
Yes. It is reported on your credit report.
If your father is the borrower on an auto loan and you're the co-signer and his credit was better but you're making the payments why is it not helping your credit with the credit agencies?
If you're on the note and it's not being reported to your credit bureau.....you need to contact the creditor and demand that it be reported. If it IS being reported......then.........it IS helping your scores.
Will being in debt affect your credit rating?
Not generally.
Does being a co-applicant affect your credit?
Hell yeah it does!!!!!!!!!!!!
Can you have a judgment against me even if its not on credit report?
Yes, a credit report only reflects the information which is reported to the 3 credit bureaus (Experian, Equifax, and TransUnion) by Lexis Nexis which they gather from court public records. Even if a judgement is not being reported by the credit bureaus, you may still be liable for it. To find out the status of a judgement, contact the court where the judgement was placed.
Does being denied for credit lower your credit score?
Yes. It is reported on your credit report.
If your father is the borrower on an auto loan and you're the co-signer and his credit was better but you're making the payments why is it not helping your credit with the credit agencies?
If you're on the note and it's not being reported to your credit bureau.....you need to contact the creditor and demand that it be reported. If it IS being reported......then.........it IS helping your scores.
Will being in debt affect your credit rating?
Not generally.
Does being a co-applicant affect your credit?
Hell yeah it does!!!!!!!!!!!!
If you're a non-American and leave the US for a few years and keep using your US-issued credit card abroad will your credit score come down since no US income is being reported to the credit agencies?
No, income isn't reported to the credit bureaus. Only credit history shows up on a credit report, so your credit score shouldn't be affected at all.
How do you find a list of accounts sent to collections?
Get a copy of your credit report from all three bureaus. You can get a free copy each year. This report will tell you all of the collection accounts that are currently reported, and to which of the credit bureaus they are being reported to.
Will paying tmobile 10 days late affect your credit history?
Paying T-Mobile 10 days late can potentially affect your credit history if the delinquency is reported to the credit bureaus. It may result in a late payment being added to your credit report, which could impact your credit score. It's important to try and make payments on time to avoid negative effects on your credit history.
Is there a time limit on disputing inaccurate credit information?
There is no statute of limitations in disputing information on your credit report. If it is being reported, it can be disputed. Simple enough! ;o)
If you share an apartment with a roommate and both are on the lease and your roommate bounces a check but pays within the week will it affect your score?
Depends on if your apartment community reported to the credit bureau's as being a late payment. Most of the apartments where I have lived, didnt report it when I was a month late. Apartments usually get you if your late constantly or evicted from the apartment. You could ask your landlord if they reported it as being late.
Can you have a judgment against me even if its not on credit report?
Yes, a credit report only reflects the information which is reported to the 3 credit bureaus (Experian, Equifax, and TransUnion) by Lexis Nexis which they gather from court public records. Even if a judgement is not being reported by the credit bureaus, you may still be liable for it. To find out the status of a judgement, contact the court where the judgement was placed.
Does being overdrawn with your bank affect your credit in any way?
Only if you do not pay the overdraft.
You are secondary on car loan does that help your credit?
Yes. If you co-sign on a auto loan, payments that are made on time being reported to the credit bureas are considered positive and it also reflects a positive impact on your credit rating.
