ltomberry

OK now it's showing up as a credit card again, but now my car loan is showing up as "other". I wish it would be consistent.

Hmm seems it is showing up on CK as "other loan" instead of a credit card. Maybe because it is a World MC that shows the limit differently.

Yes, to the tune of $1500-2000 every month. I sent an email to CK they say they are looking into it.

Pull your actual credit report. CK uses TransUnion.

Check your credit report. CK uses transunion.

#1 Pay down your debts; your utilization ratio will improve.
#2 Check your report for any errors that are dragging your score down and fix them if there are any.

These are the only two things that will change the score quickly - usually within a month. Everything else - paying bills on time, stop applying for new credit - will take time to have an effect.

If it's legitimate, pay it in full. Settling usually leaves some sort of evidence on your credit report that will have a negative effect on your score. You might also owe taxes on the amount forgiven.

You may also have older closed accounts that are good that are falling off the back end after 7 years, leaving you with less accounts and a shorter history.

It will change the next time the lender reports to the credit bureau, which is typically on the day the billing statement ends. Plus it could take an extra day or two to process.

It will show the next time the lender reports to the credit bureau, which is typically on the day the billing statement ends. Plus it could take an extra day or two to process.

My guess somewhere in the 12% - 13% range.

Probably a combination of a hard inquiry and a shorter average credit age. Possibly also the total # of accounts but not likely.

It depends on what else you have. If it's your only credit, no. If you have had them a long time, no. In fact, I can't think of any time closing them would help you unless you have eleventy other cards.

It will show the next time the lender reports to the credit bureau, which is typically on the day the billing statement ends. Plus it could take an extra day or two to process.

Paying all bills is important, but the only ones that will help your score are your debt bills - utilities, phone etc will not affect your score unless they go into collections or something.

I put an average of $2000 a month on it, and pay it off after the statement closes just to get rewards. It shows up on my TU, just not on CK.

5.5% is not terrible. Today the average 30y is 4.5% so after all the closing fees a refi might not be worth it. Contact your lender to see if you can work something out. Have you tried USAA?

Probably around 15%. Check your city here.
http://www.bankrate.com/funnel/personal-loans/

Probably within a month. Most creditors report once a month, usually on the date your statement closes.

Not on this website, your CK score is just an approximation. Go to myfico.com

You're just robbing peter to pay paul. you'll have to make payments on your new loan so you're back at square one; actually worse because you'll pay more interest. You'll need to do something drastic, like sell your car and buy something really cheap. Sucks but it beats foreclosure.

Umm, pull your actual report. Get your free one from annualcreditreport.com; this site checks your transunion score.

Sounds like you need to check your credit report. Maybe someone is doing something without your knowledge. Maybe something was reported incorrectly. Dig deeper!

Bankruptcy should be your last resort. How much do you owe? First you should try to work a plan out with creditors. Maybe downgrade to a cheaper car / house. Exhaust all other options. Bankruptcy will be a black eye for a long time.

Check to see if anything else has changed. Maybe an old account hit its 7-year mark and stopped reporting?