mortgage
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?
How can I get my credit build up if no one will give me a credit card to begin with?
How can I get my credit build up if no one will give me a credit card to begin with? I have never had a credit card, I bought a home and I have been paying mortgage on time. Will that help my credit? I do have doctor bills on my credit report, any ideas as to how I can get rid of them without costing me a arm and leg.
What matters more your credit score or the contents of your credit report?
If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won’t really care about much else?
How long does it take to establish credit?
My boyfriend has no credit and we’re trying to qualify for a mortgage. We really want to buy a house by like November so we can qualify for the first time buyer credit.
If he got a credit card like today, that would be about 4 months. Is this enough time to get a score?
Also, he can’t get approved because he has no credit, will a secured credit card give the same credit as a regular card?
Will negotiating credit card debt hurt my credit score?
I've been unemployed for a couple months, and the credit card payments are starting to hurt.
If I negotiate with the credit card company to reduced my debt or monthly payment, will this somehow hurt my credit score.
I plan on refinancing my mortgage when I get another job, and I don't want my score to be hurt.
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