Debt Consolidation

How much would my credit rating decrease if I blew my brains out?

I’m planning on killing myself sometime this week, and my FICO credit score is around 680. Will it show up on my credit report that I sucked down a revolver and painted the walls with my brains, and if so, how will this affect my credit rating?

The internet is serious business, so serious responses only, please.

Tags: brains, credit rating, credit report, fico credit score, revolver, serious business

How do I dispute a negative statement on my credit report?

I’m in the U.S. Army. Shortly after filing my indiana states taxes for 2005 I deployed to Afghanistan. I apparently owed the state revenue service around . I am pretty sure I acknowledged this before I deployed but I guess it slipped my mind.

Apparently the revenue service tried to get a hold of me (which they obviously weren’t able to) regarding the situation. Eventually, a sheriff was sent to the address listed on my Indiana state driver’s license and the state revenue service reported a no payment tax lien on my credit report.

All in all, the state got their crummy 40 bucks but I have the negative hit on my credit report.

I was turned down for a car loan because of it. Am I able to dispute this? If this had been under normal circumstances I would have been on top of things and this thing would have gotten paid before anything bad happed.

Tags: afghanistan, car loan, circumstances, credit report, indiana state, payment tax, state driver, state revenue, tax lien, u s army

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

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 abscence of installement-paid loan 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?

Tags: abscence, consumer loan, credit score, loans, mortgage, paying on time, using credit cards

How often does Household Bank report to credit bureaus?

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?

Tags: amount of time, bank credit card, credit bureaus, credit report, credit score, household bank credit card

What impact does closing credit cards have on your credit score?

What impact does closing credit cards have on your credit score?
I have a number of credits that I am not using. What impact if any would closing some of these accounts have on my credit score?

Tags: credit cards, credit score