Naxalyte asked:


I have just checked my rating for the first time online and it says that I am not at the maximum credit rating which is 1500 points. I have had no financial difficulties in the past and have paid off any overdrawn money on time. I have one credit card which I got about 3 months ago, and one debit card which i’v been using for a few years. I am 23. Does anyone know if anything lower than full credit rating means you have been in trouble, or if you must work your way up to the highest level of credit rating?
I am located in the UK. My credit rating is actually 3 out of 5 while my credit score is something like 1100 points out of a possible 1500

Deborah

shanem1c1 asked:


I have bad credit from being irresponsible and want to change this. My debt is not huge maybe only $4000. My wife has excellent credit. We are wanting to build a home within the next 5 years and we will have to use my income to get the loan but I am worried my low credit score is going to hurt us. I’m wondering if we take out some joint accounts if that will improve my rating (abd make payments on time). Any advice is greatly appreciated!

Sue

MsNomer asked:


My credit rating is probably better than the average as I pay all my credit bills on time, but I’d like to consolidate all the debt for a lower interest rate, with an eye on paying it all off faster. Would it be better to pay off the balances individually than to consolidate? How will zero credit card balances effect my credit rating?

Any suggestions, and any recommended books, would be appreciated. Thank you!

Jeremy

STEPHANE P asked:


When you get a company credit card, it is based on their credit rating. But when you are late making payments or don’t make payments(for whatever reasons) does this hurt your credit rating or just theirs? Each person is responsible for submitting expense reports, then the company cuts you a check, and you in turn pay the credit card company.

Stephanie

Spam asked:


He is currently with a building society who don’t have credit card accounts and when he goes to the other banks they won’t give him a credit card because he doesn’t have a credit rating or any bills coming out of his wages like a morgage, so hows he meant to build up a credit rating?

Claude

MorrisW asked:


If someone has let’s say a bad credit history in Canada, could this somehow affect the credit rating in the United States? Is there such a thing as an international credit report?

Paula

SnowTwqd asked:


I have several accounts open for different reasons that I would like to keep but I am trying to improve my credit rating, does that look bad on a credit report. Any other tips to improve credit fast? I don’t have bad credit but I am trying to get the best rate possible on a student loan in a year or so.

Maurice

Dax asked:


I have seen a “seasoned company” for sale that has an A1 Dun and Bradstreet rating. How much credit line and what type of terms usually can a company with this credit rating qualify for? The seller states that it could probably qualify for 1mm with an A1 rating.

Joel

Ryan asked:


I currently have a card (since 2006) with excellent history and want to open a second card (I also have an AMEX that is actually a subaccount of my fathers for which he is liable for)….How will this affect my credit rating.

Zachary

garynandra asked:


I have paid collections on my report from several years ago (when I didnt understand the negitive impact.) Even though they are paid they still effect my credit rating. Can I do anything?

Larry