AppleRules

You can see all the detail on AnnualCreditReport.com

Keep the cards they help build history. As long as there is no annual fee, there is no reason to close it.

It can stay forever but may only affect your score for 7 years.

You should dispute that.

14 Inquiries? Good Grief! The first thing is stop applying for everything under the sun. Pay your debts on time and start paying down your balances. That will help.

Lenders aren't required to report to bureaus. However if they do report they are required to report accurately. In this case you probably just have a card that decided not to report. Try Public Savings Bank. Reviews on this site seem good.

You will probably need a 50% down payment and get a 20% interest rate. Seriously, it is going to be hard to get a good loan. You are better off buying a clunker cause I suspect the captives (GMAC, Toyota Motor Finance, and other) will not lend to that score.

Register for this site?

None that I know of unless you cancel as soon as you register.

Unless you have a Dunn&Bradstreet number, your personal credit is your business credit.

Try Lendingclub.com or Prosper.com. With a good score, they can be useful.

AnnualCreditReport.com. It is free.

Scores change whenever something on your credit report changes. As for karma updates, they update whenever you hit the update button.

Pay your bills on time. Clear up any late payments. Get a secured credit card. 580 should be no problem regardless of your current score if you follow those simple 3 rules.

Read the reviews on the credit cards tab. They are all broken down by credit score requirements and many of the users are reporting the credit limits granted.

Get a secured credit card. It will help establish your credit and the thin file status will go away in time.

Funny. In another thread, someone criticized credit karma for not recommend credit unions like pen fed.

After a certain point, a credit card of $500 will only get you so far. You need to have 4-8 accounts and use less than 20% of your limits. So yes you should pick a card befitting your credit and slow begin to build your credit experience.

Go to annualcreditreport.com

With a down payment of 10-20%. The rule of thumb is that 50% of wages can be used for a mortgage. Using the home affordability calculator http://www.creditkarma.com/calculators/affordability. You should be able to get a house in the $120-140K range.

I think you mean by Orchard Bank. Look at the comments on the page.

Sure. Most people can increase a credit score by 100 points in 6-12 months with some diligence and effort.

Charge-off is when a bank gives up on collection debt that you owe. It is the worst outcome for the bank and your credit. Not much you can do now since they bank has given up collecting the debt.

No just TransUnion.

If you use his income, he will need to be on the application which means his credit will be pulled as well.