Credit Scoring Secrets Exposed http://creditscoringsecretsexposed.net Fri, 01 Apr 2011 20:11:32 +0000 http://wordpress.org/?v=2.8.5 en hourly 1 How long does it take to get a credit score? http://creditscoringsecretsexposed.net/how-long-does-it-take-to-get-a-credit-score/ http://creditscoringsecretsexposed.net/how-long-does-it-take-to-get-a-credit-score/ #comments Fri, 23 Oct 2009 19:44:45 +0000 admin http://creditscoringsecretsexposed.net/how-long-does-it-take-to-get-a-credit-score/

smith.5225 asked:

I just got my first credit card in last October and my fiance and I got our first mortgage in January. I still don’t have a score but didn’t know how long it would take to show up.

]]> http://creditscoringsecretsexposed.net/how-long-does-it-take-to-get-a-credit-score/ /feed 2 How does joint responcibility affect my credit score? http://creditscoringsecretsexposed.net/how-does-joint-responcibility-affect-my-credit-score/ http://creditscoringsecretsexposed.net/how-does-joint-responcibility-affect-my-credit-score/ #comments Thu, 22 Oct 2009 07:21:04 +0000 admin http://creditscoringsecretsexposed.net/how-does-joint-responcibility-affect-my-credit-score/

Jess asked:

I have a negative item that is considered joint responcibility so does that change how it affects my score? I don’t get the whole credit thing and don’t know my score but got the free report.
Since when is everyone on Yahoo! concerned with a simple typo??

Sheesh, maybe my B.A. didn’t help me understand the credit game but at least I have manners.

]]> http://creditscoringsecretsexposed.net/how-does-joint-responcibility-affect-my-credit-score/ /feed 6 How find out your free credit score report? http://creditscoringsecretsexposed.net/how-find-out-your-free-credit-score-report/ http://creditscoringsecretsexposed.net/how-find-out-your-free-credit-score-report/ #comments Thu, 22 Oct 2009 06:01:18 +0000 admin http://creditscoringsecretsexposed.net/how-find-out-your-free-credit-score-report/

brittaney asked:


I’ve gone to a bunch of sites that promise free report but not score, Any credit report websites that are legitimate and actually free? Thanks!!

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]]> http://creditscoringsecretsexposed.net/how-find-out-your-free-credit-score-report/ /feed 3 why would my credit score drop 39 pts in 1 mth if I pay all bill on time and always over the minimum? http://creditscoringsecretsexposed.net/why-would-my-credit-score-drop-39-pts-in-1-mth-if-i-pay-all-bill-on-time-and-always-over-the-minimum/ http://creditscoringsecretsexposed.net/why-would-my-credit-score-drop-39-pts-in-1-mth-if-i-pay-all-bill-on-time-and-always-over-the-minimum/ #comments Tue, 20 Oct 2009 02:27:24 +0000 admin http://creditscoringsecretsexposed.net/why-would-my-credit-score-drop-39-pts-in-1-mth-if-i-pay-all-bill-on-time-and-always-over-the-minimum/

Rae asked:


My credit score with trnsunion was 710 in Feb and dropped to 671 in Mar. I pay all of my credit card bills early and always over the minimum ( I only have 2 credit cards). Can someone please help me understand why this may have happened?

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]]> http://creditscoringsecretsexposed.net/why-would-my-credit-score-drop-39-pts-in-1-mth-if-i-pay-all-bill-on-time-and-always-over-the-minimum/ /feed 6 How does a person improve there credit score? http://creditscoringsecretsexposed.net/how-does-a-person-improve-there-credit-score/ http://creditscoringsecretsexposed.net/how-does-a-person-improve-there-credit-score/ #comments Mon, 19 Oct 2009 19:55:36 +0000 admin http://creditscoringsecretsexposed.net/how-does-a-person-improve-there-credit-score/

darryl r asked:


I have almost $1500.00 worth of debt that is making my credit bad, I want to pay all that stuff off but how long will it take for me to see any improvement in my credit score?

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]]> http://creditscoringsecretsexposed.net/how-does-a-person-improve-there-credit-score/ /feed 4 How long would it take for my credit score to go back up once I pay off my credit cards? http://creditscoringsecretsexposed.net/how-long-would-it-take-for-my-credit-score-to-go-back-up-once-i-pay-off-my-credit-cards/ http://creditscoringsecretsexposed.net/how-long-would-it-take-for-my-credit-score-to-go-back-up-once-i-pay-off-my-credit-cards/ #comments Fri, 16 Oct 2009 22:59:40 +0000 admin http://creditscoringsecretsexposed.net/how-long-would-it-take-for-my-credit-score-to-go-back-up-once-i-pay-off-my-credit-cards/

charlie6385 asked:


I have 2 credit cards that I am in the process of cleaning up and paying off. Once I get that sorted out, how long would it be before my credit score gets back to a better number?

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]]> http://creditscoringsecretsexposed.net/how-long-would-it-take-for-my-credit-score-to-go-back-up-once-i-pay-off-my-credit-cards/ /feed 4 How does falling behind one mortgage payment affect a credit score? http://creditscoringsecretsexposed.net/how-does-falling-behind-one-mortgage-payment-affect-a-credit-score/ http://creditscoringsecretsexposed.net/how-does-falling-behind-one-mortgage-payment-affect-a-credit-score/ #comments Fri, 16 Oct 2009 16:49:13 +0000 admin http://creditscoringsecretsexposed.net/how-does-falling-behind-one-mortgage-payment-affect-a-credit-score/

scipiovshannibal asked:


I’d like to know what the initial drop is in a credit score when a person falls behind on mortgage payments by one month. After the initial drop, does your score continue to drop each month you are not current or is it a one time drop? If it drops more each month you are behind, by how much?

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]]> http://creditscoringsecretsexposed.net/how-does-falling-behind-one-mortgage-payment-affect-a-credit-score/ /feed 2 Will the credit card interest rate increases happening negatively effect my credit score? http://creditscoringsecretsexposed.net/will-the-credit-card-interest-rate-increases-happening-negatively-effect-my-credit-score/ http://creditscoringsecretsexposed.net/will-the-credit-card-interest-rate-increases-happening-negatively-effect-my-credit-score/ #comments Fri, 16 Oct 2009 07:09:40 +0000 admin http://creditscoringsecretsexposed.net/will-the-credit-card-interest-rate-increases-happening-negatively-effect-my-credit-score/

sunny5_30 asked:


The increase in my credit card interest rates are not due to anything on my part, but will it make my credit score go down? I know it used to be that if you defaulted, failed to make a payment, were late, or went over the limit they would report it to the credit agencies and your credit would go down. But this time they are all going up, to no fault of mine. (Thanks Gov!!) Any ideas?

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]]> http://creditscoringsecretsexposed.net/will-the-credit-card-interest-rate-increases-happening-negatively-effect-my-credit-score/ /feed 8 what happens to my credit score AFTER I buy a house? http://creditscoringsecretsexposed.net/what-happens-to-my-credit-score-after-i-buy-a-house/ http://creditscoringsecretsexposed.net/what-happens-to-my-credit-score-after-i-buy-a-house/ #comments Wed, 14 Oct 2009 15:22:33 +0000 admin http://creditscoringsecretsexposed.net/what-happens-to-my-credit-score-after-i-buy-a-house/

spedtrap asked:


I closed on my first home on 03/04/009. Now I am in the habit of regularly checking my credit score. But I can’t help but wonder what the mortgage will do to my score. I think it will take a couple of months to see the change in score but in the mean time, I want to know what I can look forward to!

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]]> http://creditscoringsecretsexposed.net/what-happens-to-my-credit-score-after-i-buy-a-house/ /feed 4 Which of the 3 credits scores is considered my FICO score? How is my FICO calculated? http://creditscoringsecretsexposed.net/which-of-the-3-credits-scores-is-considered-my-fico-score-how-is-my-fico-calculated/ http://creditscoringsecretsexposed.net/which-of-the-3-credits-scores-is-considered-my-fico-score-how-is-my-fico-calculated/ #comments Wed, 14 Oct 2009 12:22:24 +0000 admin http://creditscoringsecretsexposed.net/which-of-the-3-credits-scores-is-considered-my-fico-score-how-is-my-fico-calculated/

Rich C asked:


My mortgage is a 5 yr ARM @ 4.75 and I want to lock in at the best rate. I have a vehicle lease that matures in June and want to make a new car purchase. Both attempts will require a credit check. Which credit score do mortgage companies and car dealerships use to help me get the best interest rate?

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