Improving Your Credit Rating

During foreclosure, it may be more beneficial to prioritize paying off essential expenses such as mortgage payments and housing-related costs over credit cards. If you can afford to pay down credit card debt, doing so can improve your credit score and reduce financial stress. However, if your resources are limited, focusing on maintaining your home and negotiating with creditors may be wiser than aggressively paying down credit cards. Ultimately, assess your financial situation carefully before making decisions.

That depends on the car dealership/lender. They all have different evaluations on review a consumer's credit worthiness. It all depends on how much risk they want to take on a consumer. The lower the score make a higher risk that the loan won't be paid back and visa versa.

3-4 days

eaqual

442 score probably means you have high balances, slow payments and maybe some written off accounts.

First of all, you should pay down your accounts as best you can and keep your payments up to date and on time.

Secondly, you need to be patience because you need to wait for your slow payments to be further into the past. I would probably wait at least a few years before applying for new credit.

And thirdly, put a consumer narrative on your file to explain why your score is low, so that if a merchant/lender pulls your file, they know you've reviewed your own file and given your explaination of your situation.

I recent late payment on an open account can hurt your credit score up to 60 points.

Most banks will offer accounts with a book with the option to get a card to withdraw money once a certain age is reached (usually around 12years old), however a few banks offer dual function cards which are the same as a credit card except do not have an overdraft

An alternative is to get a prepaid card which can be topped up

Credit bureaus don't make up a FICO score. FICO score are based on the information on a consumber's credit bureau file.

There are 3 credit bureau's are:

Equifax

Trans Union

Experian

About 30 individual factors are used to determine the score. Certain factors, such as payment history, have more weight than others, such as the length of your credit history.

Also informative is the list of "reasons" that may be provided to account for why a score isn't higher. When lenders request your credit score, they also receive a list of the four most significant reasons your score is not higher.

The possible FICO reasons are:

* Amount owed on accounts is too high.

* Delinquency on accounts.

* Too few bank revolving accounts.

* Consumer finance accounts.

* Too many accounts opened in the last 12 months.

* Amount owed on revolving accounts is too high.

* Time since delinquency is too recent or unknown.

* Length of credit history is too short.

* Amount past due on accounts.

* Date of last inquiry too recent.

* No recent bankcard balances.

* Too few accounts with recent payment information.

Yes. Amounts owed accounts for about 30% of your credit score. Ideally your utilization rate should be 20% or less. Paying your credit card balance to 20% or less will improve your credit score.

No, but you may need to contact all credit bureaus to make sure the item has indeed been removed.

Yes, payment history accounts for 35% of your credit score. So paying your bills on time will help you maintain a good credit rating.

No

Your credit score reflects how well you repay debt. So all accounts which are not extensions of credit are not reported to your credit report.

Also, personal information such as:

- Race

- Gender

- Income

- Address

You have the right to receive one free credit report per year from each of the three major reporting companies: Equifax, Experian andTransUnion. Order all three and review them yourself for any discrepancies or missing info.

2 years

It is in the medium to good range. It is not bad, but it is not the best you could have. However, you should be able to get financed with this credit score.

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.

In debit balance a cash account always shown.

40,000,000,000

Unless you contact the creditor in advance, you may get charged with a late fee if the minimum is not posted to your account by the due date. Make sure to get in contact with the credit card company if you are going to be short or late on any payments. Most will either put a temporary freeze on your account (not charge anything until you can pay it down again), post the minimum for you if you are enrolled in a payment protection service, or waive the fee for you. However, they will not do this if you fail to call ahead of time...

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A repossession can drastically hurt your credit score. The repossessed account may report late payments (30, 60, 90 days late), a pad due balance, and a charge-off.

A repossession can lower your credit score anywhere from 30 to 200 points depending on the other accounts reporting on your credit report.

if you sharpen it it could cut you and cause you to bleed

It's misintepreted means there is no CW2 on a credit card, i think you mean the other one.