tweetymac

You can go to www.annualcreditreport.com and pull 1 or all 3 of the major credit reports. 

You can go to www.annualcreditreport.com and pull your credit report(s) at no cost and each account/creditor will be listed. 

Go to the credit simulator and you can see what your anticipated score will be, I would say that it would take 30-60 days for it to be reflected in your score. 

You should go to the credit simulator and simulate adding a new credit card and it will let you know how it will affect your score. 

Usually appears 30-60 days after you get it. 

I think there are loan programs available with that score and that is a very good down payment, your APR is most likely going to be higher, but you can also refinance the auto loan in the future if you continue on the path to improve your credit. 

Absolutely love USAA.  Always have had great service, they refund ATM charges for using non USAA ATM's, pay interest monthly, and their online system is great, easy to use.  I just re-ordered checks and not only were the standard ones free but they came within less than a week.   If you are eligible to join USAA, I would recommend it.

 After having a BofA credit card for 8+ years, never paying late, most of the time paying off the balance monthly has decided to lower my credit limit by $3500, and I am pretty upset as I was looking to make a bigger purchase in the upcoming months.  Their reasoning or lack thereof there was poor to say the least.  They indicated once I pay my balance that I currently have on the card then I will have more credit available....really that's how it works? HA....really frustrating.

 I had my auto loan through CitiFinancial up until last month when they sold off most if not all of their auto loans to another company.  The loan was fine, however to pay a car payment online or over the phone cost $14.95 which I found really annoying especially with today technology. Hopefully this new company will not have that same cost associated with it.   

From my understanding FHA loans won't go below 620 not 520, might want to check it out and see if you can qualify.

No, you will need to get your credit score up before you can get a mortgage. 

You can pull your full credit report from annualcreditreport.com for free 1 time a year, your open & closed account will be listed for you to review.

Do you mean your credit card utilization is a B? If so, you would need to pay down on your credit cards to make the credit card utliization below 20% to get to an A.  You can put that into the credit simulator and see what your score would be depending on how much you pay on the credit cards.

You would need to file a dispute with the credit agencies to have them removed, if you go to annualcreditreport.com (it is free to pull the reports 1 time a year) and pull the report from there each of the 3 agencies instructs you on how to submit a dispute. 

You can pull your full credit report from annualcreditreport.com for free 1 time a year, all these items will be listed for you to review.

I have only had this card for a couple of months now, but so far all has been good.  I like the online bill pay, it makes it simple.

What is your credit score?

You can get a copy from annualcreditreport.com for no cost once per year.

A similar thing happened to one of my friends with a score pretty close to 575 and he ended up getting the card from Capital One.

If you want to pull and print your full credit report you can go to www.annualcreditreport.com and pull from the 3 credit agencies for no cost 1 time per year.

Does the site list 13 credit cards or 13 total accounts? Closed accounts can still reflect on your report therefore that is why they are showing up. You can pull your full credit report at www.annualcreditreport.com and review all accounts, there is no cost for pulling from this site.

Hard inquiries stay on your report for about 2 years, they will drop off after that, and 12 inquires is high so it is very likely your score dropped as a result.

You don't have to get a secured card at a local bank, companies like Capital One, Citibank, WellsFargo, etc offer secured cards.

You can't really get rid of the loan, have your thought about trying to sell the car and pay off the loan with the money you get from it?

It totally depends on the creditor and if they report it, I know B of A reports authorized users, I am speaking from experience.