How high can my credit score go if I only have credit cards in my credit history?

April 24, 2010 · Posted in Credit Repair · 1 Comment 

My current credit score is 745 and I’ve built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the absence of installment loans will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score since I am planning to apply for a mortgage in the near future?


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    How is the "Average Account Age" in the Equifax credit report calculated?

    April 22, 2010 · Posted in Equifax Credit Report · 5 Comments 

    I have a combination of Open, Closed, Revolving, consolidated and unconsolidated student loans, and a couple credit cards I have never used. I have averaged these in many different ways but have not yet arrived at the “Average Account Age” that is reported in the Equifax credit report. For those who haven’t purchased their report, an “average account age” is given, and the longer it is, the better for one’s credit score. Hopefully someone who has a simpler credit history can shed some light on how it is calculated. Thanks!


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      Why can't I receive my credit score?

      April 20, 2010 · Posted in Credit Repair · 4 Comments 

      So I have tried to use Equifax and Experian to obtain my credit score online, but upon receiving my results I was told that my identity could not be proven with the information I provided. I made sure I provided correct information, so I do not understand why I am getting these results.

      Additionally, I am 18 and I do not own a credit card nor have I ever owned one, but I own a debit card. Any help would be appreciated.


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      YouTube- Annual Credit Report

      April 19, 2010 · Posted in Free Credit Report · Comment 

      freecredit-report.net

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        Will annualcreditreport.com charge me monthly?

        April 18, 2010 · Posted in Free Credit Report · 6 Comments 

        I went to annual credit report website and paid $7.99 + tax to view my credit score. Are they going to bill me 7.99 monthly or was it just a one time thing? Also, my credit score is 685. Is that good or bad or just ok?


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          Would buying things on credit increase my credit score?

          April 18, 2010 · Posted in Credit Repair · 7 Comments 

          Should I buy things on credit to increase my credit score even though interest is high?


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            Problems with Transunion, Experian, and Equifax credit bureaus

            April 15, 2010 · Posted in TransUnion Credit Report · 9 Comments 

            I was wondering why I was being denied for a credit card! Come to find out my mortgage company is reporting the correct amount each month but the 3 credit bureaus are reporting that my mortgage payment is $4500 a month! Their mistake has caused my credit score to drop!

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              Where can I get my credit score for free without signing up for anything?

              April 15, 2010 · Posted in Free Credit Report · 2 Comments 

              I just want my dang credit score, lol. Please help me!


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                Is annualcreditreport.com legit?

                April 14, 2010 · Posted in Free Credit Report · 6 Comments 

                I want to check my credit score online. I don’t know if  annualcreditreport.com is a legit site or scam. Please help.


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                  How long before my credit score improves after correcting errors on my credit report?

                  April 12, 2010 · Posted in Credit Repair · 3 Comments 

                  My husband had 49 errors corrected on his Experian Credit report today. Only one is being investigated because it is a judgment. These were all errors due to 3 other people being lumped into my husband’s credit report. It was corrected easily over the phone, but I forgot to ask how long until the changes are reflected in his credit score. I know the investigation into the one judgment that needs to be removed will be 30 days, but what about the things that were removed today?

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                  How do I get a Transunion credit report?

                  April 12, 2010 · Posted in TransUnion Credit Report · 1 Comment 

                  I am trying to go onto Transunion and get my credit report and credit score, but when I log onto it, it is also adding  Experian and Equifax. I don’t need them because I already got them from the other sites. I only want Transunion..can anybody help?

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