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Find the answers to the most common questions about credit and credit cards or submit your own question. All answers and recommendations are provided by experts in the credit and credit card industry. Join the discussion today.

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Most Recent Questions

  • 1. I paid off a debt in early June and now in September, three months later, it still hasn’t showed on my credit report. How long does it take for credit bureaus to report this action and update my credit score?
  • 2. If I apply for a car loan with two different lenders, will that lower my credit score?
  • 3. How hard is it going to be to get an auto loan after getting repossessed?
  • 4. How will a settlement listed as “not paid as agreed” affect my credit score if I have other accounts in good standing?
  • 5. I applied for a car loan and was denied because they said I had “write-offs” on my credit. I’ve checked my credit report every year and I have never seen anything about write-offs there. What are “write-offs” and how will I know if I have any on my credit report?
  • 6. I filed for bankruptcy 8 years ago; does it still affect my credit score?
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Most Popular Questions

  • 1. I have really poor credit, how can I begin to fix it?
  • 2. What is a good credit score?
  • 3. What is PMI and why do I want to avoid it?
  • 4. Is it better to pay off a credit card every month or make payments toward the balance every month?
  • 5. What credit score do I need to qualify for a mortgage?
  • 6. How often do credit scores change?
See All Popular Questions See All Questions

Most Recent Questions

  • 1. I paid off a debt in early June and now in September, three months later, it still hasn’t showed on my credit report. How long does it take for credit bureaus to report this action and update my credit score?
  • 2. If I apply for a car loan with two different lenders, will that lower my credit score?
  • 3. How hard is it going to be to get an auto loan after getting repossessed?
  • 4. How will a settlement listed as “not paid as agreed” affect my credit score if I have other accounts in good standing?
  • 5. I applied for a car loan and was denied because they said I had “write-offs” on my credit. I’ve checked my credit report every year and I have never seen anything about write-offs there. What are “write-offs” and how will I know if I have any on my credit report?
  • 6. I filed for bankruptcy 8 years ago; does it still affect my credit score?
See All Recent Questions See All Questions

Most Popular Questions

  • 1. I have really poor credit, how can I begin to fix it?
  • 2. What is a good credit score?
  • 3. How often do credit scores change?
  • 4. Will checking my credit score via credit karma show up in my credit report and will this negatively affect my score?
  • 5. I got my credit score from CreditXpert, Freecreditreport.com, and Credit Karma and all three had different credit score; what gives?
  • 6. How long do the debts stay on your credit report and who and how do they get removed? I have been told 7-10 years.
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Most Recent Questions

  • 1. If unable to pay off a credit card, how long until company will charge the debt off?
  • 2. Is it a good idea to close unused Credit Cards?
  • 3. I have 4 credit cards with a total of $64,000. I tried getting all 4 companies to lower my APR or raise my limit. They all said, "No'. Should I use a debt consultation to lower my payments? Will this affect my credit score?
  • 4. I have been building my credit up, but is there no recourse for when credit card companies lower your limits for bogus reasons? This is affecting my credit scores, and I have never paid late, and always maintain and pay big balances.
  • 5. Is it better to pay off a credit card every month or make payments toward the balance every month?
  • 6. What is an interchange fee?
See All Recent Questions See All Questions

Most Popular Questions

  • 1. Is it better to pay off a credit card every month or make payments toward the balance every month?
  • 2. Is it a good idea to close unused Credit Cards?
  • 3. If unable to pay off a credit card, how long until company will charge the debt off?
  • 4. I have been building my credit up, but is there no recourse for when credit card companies lower your limits for bogus reasons? This is affecting my credit scores, and I have never paid late, and always maintain and pay big balances.
  • 5. How are credit card limits determined?
  • 6. I have 4 credit cards with a total of $64,000. I tried getting all 4 companies to lower my APR or raise my limit. They all said, "No'. Should I use a debt consultation to lower my payments? Will this affect my credit score?
See All Popular Questions See All Questions

Most Recent Questions

  • 1. I have a "thin" file. How will this affect me qualifying for a mortgage loan?
  • 2. I have about six credit cards with 0 balances on all but one. The one that does have a balance has 4K on it and the interest rate isn't great. How will opening a new card and doing balance transfer change my score? I want to purchase a home soon.
  • 3. I have a credit score of 592, mostly due to medical debt, my income is $70k, can you help me with a mortgage?
  • 4. Can I buy a car or refinance my home with a 682 credit score. I am currently in a chapter 13 payoff program (3 years now) to the courts but have perfect payment history.
  • 5. I’ve heard of mortgages with bi-weekly payments you can pay your mortgage off faster. Is that true?
  • 6. If I have had a previous foreclosure or bankruptcy, can I still get a loan?
See All Recent Questions See All Questions

Most Popular Questions

  • 1. What is PMI and why do I want to avoid it?
  • 2. What credit score do I need to qualify for a mortgage?
  • 3. Can I buy a car or refinance my home with a 682 credit score. I am currently in a chapter 13 payoff program (3 years now) to the courts but have perfect payment history.
  • 4. I have a credit score of 592, mostly due to medical debt, my income is $70k, can you help me with a mortgage?
  • 5. I’ve heard of mortgages with bi-weekly payments you can pay your mortgage off faster. Is that true?
  • 6. I have a "thin" file. How will this affect me qualifying for a mortgage loan?
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