Credit Repair Questions & Answers

BrownSugar 2 Da Maxx asked:


I could not get a car since my credit is not good enough. Does anyone know what is the actual credit score to obtain in order to purchase a used car? Specific answers would help. Please no “IDK” answers.

Seaman asked:


I recently went over my credit limit by $10 and noticed that the credit card account (Cap One) was reported as delinquent on my equifax credit report? How can this happen and what are the consequences to my credit rating/score? Thanks for your response.

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slickporter asked:


I want to purchase a home with the minimum down payment asking price required by the company selling the house. My credit score however isn’t that great. Even though I can make the mortage payments now, my credit history is kinda low due to my past. Step by step, what should I do?

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GreenFam asked:


We are hoping that our credit score has improved greatly now that the bankruptcy is off (it was a long 10 years) and we haven’t acquired much debt.

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jaden smith asked:


I cant understand how in the world my credit score actually fell lower than it was last month. No late payments in the past 4 years, no new credit inquiries or accounts since May (the same inquiries were on last months report), and I actually paid off a $4000 credit card. This makes no sense to me whatsoever….Can anyone explain why my score dropped?

wlwages asked:


I’m trying to boost my credit score as much as possible. I have credit cards but find it harder to get loans due to my score. I need help figuring out a sure-fire way to gain points by using the credit that is already available.

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runnercaiti1 asked:


I want to apply for an apartment but they need a 625 credit score. I lost my job for a few months and am now behind on two accounts.
My credit score is 597. I can bring the accounts current in less than three weeks but will just that be enough to raise my score those 28 points? I don’t want to waste my application fee just to get rejected.

LJ asked:


I am wanting to purchase a house, but I don’t want to look into financing until I find something I like. I am afraid my credit score will be reduced if I start asking banks to review my credit.

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Mia J asked:


I would like to apply for the card, and I already know what my credit score is, but if I know ahead of time what score is required to get the card, then if my score is not high enough I don’t have to have that inquiry on my report and lower my score.

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fromorto12 asked:


I had a bankruptcy discharged 12/05, and am still struggling to increase my credit score in order to buy a house (not very soon, I suspect). What would be the minimum score I would need?
Also, I am about to start a divorce, and I wonder how long after that is final before I can realistically get a mortgage?

I have good job security after 5 1/2 years, and decent income. I do have plenty of student loans though.

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globester711 asked:


I am getting married and I planned to use one of my rewards credit cards to pay for some of the deposits. We have the money to pay the deposits in full, but wanted to take advantage of the points we would be awarded. I heard if you incur a debt of 30% your available credit, this will lower your credit score. Is that true even if you pay it off during the same billing period and do not carry it over to the next month?

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MM asked:


I just cleaned my credit report up. I tried to get a vehicle with a 527 score and got turned down, they told me to wait till my score went up. Any ideas on how long this takes, or how long I should wait?

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originale_tees asked:


What was your score after you filed and what was your score six month, a year, or two years after you filed. I hear that my score can bounce back as long as I do things that show I am responsible, such as pay on a secured credit card, and other things that show that I am a responsible credit holder. What has your experience been with this?

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bungalo asked:


I keep trying to get one of those alienware destop computers. They have an alienware credit card of 5′000. I cant seem to get my score high enough to qualify. What would be the average score required for cards like those?

Will Johnson asked:


How can I check my credit score without credit card?
I know there r many sites which says that just give credit card # and its free for 10 or 30 days, BUT I don’t have a credit card and I wanna check my credit score immediately.So what r the options?

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brett asked:


If I apply for a new credit card (visa signature) but cancel my old visa card? If my current credit score is 750, what will be my score after doing so?

Luvinmylife2 asked:


I have excellent credit and zero debt. My house is paid for, debt free, and I do not have any outstanding debt. I have had loans in the past, but I’ve paid them off. Therefore, I do not have a credit score. I want to tap into the equity on my house and take out a second mortgage on my home, but the bank says that I do not have a credit score. Does anyone have any ideas on how I can get a competitive rate with no score?

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fernando f asked:


I just turned 18 this week, and I want to know how can I start building my Credit score. Should I get a credit card from a store like Macy’s, etc. And how does the credit score works?
Also how much would i pay monthly, if i spend like 200 per month, how much would I have to pay?

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