Credit score :(
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KICKED IN THE BALLS
iTrader: (1)
Joined: Aug 2008
Posts: 1,225
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From: San Diego, CA/Pittsburgh,PA
Just ask your bank or w/e you applied at and ask them for a copy of your credit score and report. You only have one tradeline and length of credit history is too short.
Oh btw that is an awesome bike. I think that is going to be my next bike too.
Oh btw that is an awesome bike. I think that is going to be my next bike too.
Thread Starter
Under construction
iTrader: (3)
Joined: Oct 2008
Posts: 5,007
Likes: 96
From: Charlotte NC
No way I'm paying for it.Does filling out a bunch of credit card applications and loan request's hurt your credit score? Regardless of whether they were approved/denied.
is learning to moonwalk i
Joined: Feb 2004
Posts: 15,520
Likes: 3
From: SoCal
If you fill out a bunch of them, then yes. Each time you fill out an app, they run your credit. Having your credit run many times dings your score and is not a good sign. At least in the near term. You're probably better out filling out one or two that you are confident you will be approved for. IINM, it takes two years for a credit inquiry (check by a creditor) to not show on your report. Having more than one inquiry on your report is a negative, but two shouldn't be too bad.
Thread Starter
Under construction
iTrader: (3)
Joined: Oct 2008
Posts: 5,007
Likes: 96
From: Charlotte NC
If you fill out a bunch of them, then yes. Each time you fill out an app, they run your credit. Having your credit run many times dings your score and is not a good sign. At least in the near term. You're probably better out filling out one or two that you are confident you will be approved for. IINM, it takes two years for a credit inquiry (check by a creditor) to not show on your report. Having more than one inquiry on your report is a negative, but two shouldn't be too bad.
If you fill out a bunch of them, then yes. Each time you fill out an app, they run your credit. Having your credit run many times dings your score and is not a good sign. At least in the near term. You're probably better out filling out one or two that you are confident you will be approved for. IINM, it takes two years for a credit inquiry (check by a creditor) to not show on your report. Having more than one inquiry on your report is a negative, but two shouldn't be too bad.
Most of what you say is true. The bold portion is incorrect.
annualcreditreport.com is the site that the government required the three major credit agencies to set up a few years ago. You can get a free report every 12 months from each of the three. In addition, you can purchase your 'official FICO Score' from Experian for a few dollars here as well.
annualcreditreport.com is the site that the government required the three major credit agencies to set up a few years ago. You can get a free report every 12 months from each of the three. In addition, you can purchase your 'official FICO Score' from Experian for a few dollars here as well.
Additionally, annualcreditreport.com will not affect your credit score when you run your reports once every 12 months.
Do you not understand the concept of "at the very least?"
Team Owner
Joined: Jan 2001
Posts: 25,967
Likes: 2,685
From: Jersey
FICO-reveals-how-common-credit-mistakes-affect-scores
http://finance.yahoo.com/banking-bud...-creditreports
http://finance.yahoo.com/banking-bud...-creditreports
good to know site for fico
Safety Car
Joined: Jul 2007
Posts: 4,845
Likes: 145
I was just reviewing and updating my numbers at CreditKarma and found that my score has improved to the best it's been since starting with CK. To an even greater degree, my community score (relative score to other CK users) has increased. Where I used to be in the top 10%, now I'm in the top 5%.
I guess the effects of foreclosure and defaults have come to pass.
I guess the effects of foreclosure and defaults have come to pass.
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