hardeight

TransUnion sells many scores. The one they show you on their site is called the Vantage Score. That score is also available on Credit Karma. It is in the "my score center" under the tab called "Vantage Scre". The default on Credit Karma is called the TransUnion Trans Risk Score. 

As long as your income is is twice the amount of your total money exependciture including the new mortage, you should be okay.  The term is known as debt to income (DTI). There are a few calculators on this site and other sites that will help you figure out how much you can afford. 

The usage doesn't matter. Look for the a card in your credit range. I would think Chase Freedom or Capital One would be good for your score. 

It will result in hard inquiry. But all home inquiries will only count as one if they are in a short period of time. So do it, but when you do be seriously and shop quickly. 

The other thread says it will be fixed in April. 

No all lenders report to all bureaus. In particular, many small credit unions and banks will only work with one bureau. Ask if you CU reports to TransUnion.

Not much. Your credit score improves over time with the BK. It doesn't make make a sudden jump just because it is gone. 

FHA has some of the most lienient requirements. 

It takes up to 30 days for it to show on  your credit report. 

AnnualCreditReport.com review the TransUnion credit report. 

They do report and it is the only reason to consider it. The products are terrible. 

The statute of limiation on debt is 4 years for written contracts and 2 years for oral contracts in CA. You need to check your state. 

TransUnion.com uses a score called Vantage. That score range is 501-990. Credit Karma has that score too it is in the other tab. 

Yeah that was bad advice before most people knew about credit scores. It will take a few years to rebuild the credit but it can often be strong in 1-3 years. 

Dispute it with the credit bureaus. 

Fixed end loans like car loans are generally good for your credit assuming you make all the payments. Just keep paying on time and you should be fine. 

If your score is below 650, I don't think you will have many options. 

It doesnt get taken off the report but it stops counting in your credit score. 

That is weird. I have never had to do that. What bank is it? Did you call them? Make sure someone isn't phishing you. 

The auto insurance score is not based on your driving but how you pay your bills. 

Balances are based on the report date not the cycle date. If you are an authorized user there should only be one balance since it is techincally just one account. 

This question makes no sense. Who is selling the loan? Your friend? Or the Bank? 

AnnualCreditReport.com    Many reports have errors so take a closer look. CK uses your TransUnion credit report. 

Sure. It is in the fair category. Look at Capital One or Orchard Bank both have decent product for your score. 

Go to AnnualCreditReport.com and look at your TransUnion credit report.