credit rating

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.

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Tuesday, September 15th, 2009 Debt 3 Comments

How much should i charge on my secured credit card to get the best credit rating?

How much should i charge on my secured credit card to get the best credit rating?

I can charge up to 0 on my secured credit card and want to know how much should I charge on my secured credit card to get the best credit rating. I need to build credit because I got none.
I’ll be paying it off every month.

I’m wondering how much I should charge on my secured credit card every month out of my 0 maximum.

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Friday, September 11th, 2009 Debt 5 Comments

How long do late credit card payments impact your credit report?

I checked my wife’s credit report and she has 3 accounts with late payments from several years ago prior to us being married. One was past due 60 days, one was past due 30 days a few times, and one was past due 120 days. How long will her credit rating be impacted by these accounts? Is it 7 years from the time the account is closed?

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Sunday, August 30th, 2009 Credit Card & Loan Consolidation 2 Comments

How will credit counseling services affect my credit rating?

I am thinking about allowing a credit counseling service (Take Charge America) to consolidate all my unsecured credit. Will this help or hurt my credit rating once I complete the program in about 3.5 years?

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Friday, August 21st, 2009 Debt 2 Comments

What should my credit ratio be for my credit cards?

I’ve always heard its good to keep your credit/balances at a certain ratio to improve your credit rating. What should mine be? I have 2 cards: one with a 0 limit and the other with a 0 limit. How much should i spend on each?

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Thursday, August 6th, 2009 Debt 3 Comments