sadye asked:


I recently got a Household Bank credit card in order to help build up my credit score. I have only used the card for small purchases and have paid off the balances for 2 months (the amount of time I’ve had the card) but no payments have shown up on my credit report as of yet. I was under the impression that Household Bank reported to the credit bureaus every month. Does anyone know when the payments might show up?

ANDERSON

angiejean74 asked:


I have a tax lien that originally reported 10/96 and was paid 2/02. How long until it doesn’t show at all on my credit report, as it’s still giving me grief!!!
Also, I have a paid judgement from a car accident. How long until that no longer shows… if at all?

RAYMUNDO

genarodj asked:


I had a phone bill of $120 reported to collections. When I was advised of my debt, I paid it immediately. (I thought my bill was paid when I disconnected with this company more than 1 year ago). The collections agency then reported this bill as “paid” AFTER I had paid it. This item had not previously exsisted on my report. Is this legal?

TYRONE

Vivianna asked:


If your child has to have an operation and your husband gets laid off and your credit gets ruined because the only option is to file bankruptcy. If your credit is ruined that means you can’t rent or buy a house. Can’t get a job. Pay higher rates for everything from car insurance which is mandatory. Not to mention forget about ever buying car again. So once a person gets their credit ruined how are they supposed to just live their lives?

JULIO

Antonio J asked:


I have issues on TransUnion and Equifax but Experian shows that I have no and perfect credit.

SCOT

locotrentrece asked:


how long do the following items stay on credit reports in terms of years?

1. late payments
2. sent to collections
3. closed accounts by CONSUMER

Also, how much do each of the above contributing factors lower a credit score in terms of points?

Assuming you begin to have a “perfect line of repayment” How long does it take for a credit score to come back to a higher level? months? years?

RUSSEL

Sandra asked:


And does it show up on the co-borrowers report as well?

ARMANDO

richcu asked:


Does any one but me think its bull that one can be refused auto insurance or pay a higher premium because their credit score may be lower than some other guys. Why on earth are we letting car insurance companies get buy with this? Even auto insurance companies having access to our creit history makes no sence and is a further invasion of our privacy. This practice should be outlawed.
Again what does credit score and auto insurance have to do with each other?
kendrickflorida
A credit score is not based on just weather one has paid his bills or even on time. I for example probably have 40 different credit avenues. I owe lots of money to everyone but these accounts have been active 20 to 25 years, I have never been late for even one payment in all those years. I have the same auto insurance company now at 49 and started when I was 16 so thats 33 years. they have the ordassity to say to me that your credit score is lower than say Bill Gates so you will have to pay more even though you have been our customer for 33 years and are a good driver and had no claims. you think you get the same rate as bill gates? probably not. Again I say what does car insurance have to do with Credit score.

HERMAN

Sarai Z asked:


I dont have a credit or debit card and I need to check my credit score for corporate housing before I go back to my two jobs up north.. Does anyone know?

TYLER

Enigma M asked:


I have been pre-approved for a mortgage at this point. Neither of the previously mentioned debts are on my current credit reports with the three reporting companies. Both collection agencies swear neither account will show up as current since the accounts are more than sevens yrs old. If I pay, just how much of a hit will my score take? Both debts combinded are less than a 1000.

JULIO