CreditRepairFree.Org » Credit Score http://creditrepairfree.org Credit Repair Information Mon, 15 Aug 2011 13:45:10 +0000 en hourly 1 http://wordpress.org/?v=3.1.1 What is the purpose of student credit cards? http://creditrepairfree.org/credit-cards/what-is-the-purpose-of-student-credit-cards/ http://creditrepairfree.org/credit-cards/what-is-the-purpose-of-student-credit-cards/#comments Sun, 20 Mar 2011 00:01:39 +0000 http://creditrepairfree.org/687/what-is-the-purpose-of-student-credit-cards/ I mean, I understand the concept of building credit and everything, but what is the point of student credit cards? What is the purpose? I’m sorry if this is a silly question, but I don’t really get it.

And can you trade them in after you’re no longer a student for a "real" credit card? Do people just keep them forever? I always thought closing accounts lowered your credit score?

]]> http://creditrepairfree.org/credit-cards/what-is-the-purpose-of-student-credit-cards/feed/ 6 What matters more your credit score or the contents of your credit report? http://creditrepairfree.org/credit-help/what-matters-more-your-credit-score-or-the-contents-of-your-credit-report/ http://creditrepairfree.org/credit-help/what-matters-more-your-credit-score-or-the-contents-of-your-credit-report/#comments Sat, 19 Mar 2011 03:53:06 +0000 http://creditrepairfree.org/685/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?

]]> http://creditrepairfree.org/credit-help/what-matters-more-your-credit-score-or-the-contents-of-your-credit-report/feed/ 5 Are credit repair companies legit and do they really help? http://creditrepairfree.org/credit-repair/are-credit-repair-companies-legit-and-do-they-really-help/ http://creditrepairfree.org/credit-repair/are-credit-repair-companies-legit-and-do-they-really-help/#comments Wed, 16 Mar 2011 21:36:27 +0000 I am trying to raise my credit score quickly. Right now I am at 593-around 650 depending on agency. So, by paying off the 5 credit cards that I currently have(some with amounts ranging from 1,500-2,500), should that raise my credit score a great deal? If not, will a credit repair company help or are they just a scam?

]]> http://creditrepairfree.org/credit-repair/are-credit-repair-companies-legit-and-do-they-really-help/feed/ 4 How do I switch credit cards and not affect my credit score? http://creditrepairfree.org/credit-help/how-do-i-switch-credit-cards-and-not-affect-my-credit-score-4/ http://creditrepairfree.org/credit-help/how-do-i-switch-credit-cards-and-not-affect-my-credit-score-4/#comments Wed, 16 Mar 2011 01:27:51 +0000 I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don’t need these credit cards and I would like to cancel them and have this "possible credit" to go towards the new card. I heard once that canceling a credit card has a negitive effect on your credit score. Is this true? If so, how do I switch credit cards and avoid affecting my credit score in a bad way?


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    ]]>     http://creditrepairfree.org/credit-help/how-do-i-switch-credit-cards-and-not-affect-my-credit-score-4/feed/ 4     How do I switch credit cards and not affect my credit score? http://creditrepairfree.org/credit-help/how-do-i-switch-credit-cards-and-not-affect-my-credit-score-3/ http://creditrepairfree.org/credit-help/how-do-i-switch-credit-cards-and-not-affect-my-credit-score-3/#comments Sun, 13 Mar 2011 20:41:20 +0000 I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don’t need these credit cards and I would like to cancel them and have this "possible credit" to go towards the new card. I heard once that canceling a credit card has a negitive effect on your credit score. Is this true? If so, how do I switch credit cards and avoid affecting my credit score in a bad way?


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      ]]>       http://creditrepairfree.org/credit-help/how-do-i-switch-credit-cards-and-not-affect-my-credit-score-3/feed/ 1       What credit card out there has the easiest approval? http://creditrepairfree.org/credit-help/what-credit-card-out-there-has-the-easiest-approval/ http://creditrepairfree.org/credit-help/what-credit-card-out-there-has-the-easiest-approval/#comments Fri, 11 Mar 2011 18:23:32 +0000 I have some credit, but not a whole lot. My credit score is 628. I also have a delinquncy with Chase, which I am trying to pay off now, but I want to get a different credit card in the mean time to make payments on that to increase my score.

      So what are some credit cards that will approve almost instantly with a credit score like that? I just want to get it to improve my credit.


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        ]]>         http://creditrepairfree.org/credit-help/what-credit-card-out-there-has-the-easiest-approval/feed/ 2         Is my credit score weak because I only have 6 months of credit experience? http://creditrepairfree.org/credit-help/is-my-credit-score-weak-because-i-only-have-6-months-of-credit-experience/ http://creditrepairfree.org/credit-help/is-my-credit-score-weak-because-i-only-have-6-months-of-credit-experience/#comments Tue, 08 Mar 2011 20:44:47 +0000 I got a letter back and my credit score is only 665. I only have 6 months of credit history, but all of my credit cards do have a pretty high balance, although I pay them all on time and I just opened an account with AT&T last month. Is my credit going to stay this bad as long as I keep a high balance on my credit cards? Or is it just high because I do not have a lot of credit experience?


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          ]]>           http://creditrepairfree.org/credit-help/is-my-credit-score-weak-because-i-only-have-6-months-of-credit-experience/feed/ 6           How high can my credit score climb if I have only credit cards in my credit history? http://creditrepairfree.org/credit-help/how-high-can-my-credit-score-climb-if-i-have-only-credit-cards-in-my-credit-history-2/ http://creditrepairfree.org/credit-help/how-high-can-my-credit-score-climb-if-i-have-only-credit-cards-in-my-credit-history-2/#comments Sat, 26 Feb 2011 23:05:49 +0000 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?


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            ]]>             http://creditrepairfree.org/credit-help/how-high-can-my-credit-score-climb-if-i-have-only-credit-cards-in-my-credit-history-2/feed/ 2             How much does closing a credit card actually affect your credit? http://creditrepairfree.org/credit-help/how-much-does-closing-a-credit-card-actually-affect-your-credit/ http://creditrepairfree.org/credit-help/how-much-does-closing-a-credit-card-actually-affect-your-credit/#comments Sat, 26 Feb 2011 01:29:27 +0000 I have two credit cards. One is a CapitalOne card with a 0 credit limit. I was recently talked in to getting a new credit card with WellsFargo with a 00 credit limit. I don’t feel safe having that amount anymore. I want to pay it all off and close it. I’ve had it for about a year. I’ve had the other one for about five years. Is that really bad for my credit score?


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              ]]>               http://creditrepairfree.org/credit-help/how-much-does-closing-a-credit-card-actually-affect-your-credit/feed/ 5               Does refinancing your car help your credit score or build your credit? http://creditrepairfree.org/credit-help/does-refinancing-your-car-help-your-credit-score-or-build-your-credit/ http://creditrepairfree.org/credit-help/does-refinancing-your-car-help-your-credit-score-or-build-your-credit/#comments Fri, 31 Dec 2010 00:01:42 +0000 I just refinance my car and lowered my interested and my monthly payment and I was just wondering, does refinancing your car help your credit score or build your credit?


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