DH has opened multiple credit cards with me as an authorized user. We just paid them down to a $0 balance and I want to know how many we can close without hurting our credit. My guess is closing the c/c will impact his credit score and not mine.
posted by Tubman on Oct 6, 2009 - 8 answers

LearningToBeAnAdultFilter: What is the most accurate, free and legitimate way to get my credit score? I know I'm supposed to be able to get it free once a year, and that there are 3 different reporting agencies.... but.... what do I do? I feel like everyone but me already knows this.
posted by dahliachewswell on Jul 24, 2009 - 11 answers

How can I not pay the American Express membership fee and not have to close the card (which negatively impacts my credit score) because I dont want to use it anymore? [more inside]
posted by schindyguy on Jul 9, 2009 - 8 answers

How long should I wait before making another credit card application? I was denied for a specific card I'd like (Amazon.com card through Chase) in February for "too many credit applications." Can I apply again for it now? [more inside]
posted by jgunsch on May 31, 2009 - 12 answers

What's your preferred method for getting your FICO score? [more inside]
posted by xotis on Apr 19, 2009 - 13 answers

Should we apply for this store credit card or just pay the cash that we have? [more inside]
posted by ForeverDcember on Mar 6, 2009 - 12 answers

No debt. Dropping credit score. What can we do to keep our credit score up? [more inside]
posted by nomad73 on Dec 18, 2008 - 25 answers

After ordering my credit report, I found that there were two bills sent to collections in 2006. Upon further investigation, I discovered that these were for unpaid cable bills and cable equipment that was never returned by my old roommates after I moved out--what do I do? [more inside]
posted by mingodingo on Dec 1, 2008 - 7 answers

Why is my credit score so @#!%$ing low? I am in a better financial position than anyone I know in my age / earnings category. [more inside]
posted by randomstriker on May 28, 2008 - 26 answers

Recently relocated to US, trying to build credit - already got a secured credit card, should I get a store credit card or try for a real one? [more inside]
posted by shimon on Apr 20, 2008 - 7 answers

Is a company required to make a good faith effort to collect on a debt before reporting it as charged off? Do I have any recourse for my credit report? [more inside]
posted by 0xFCAF on Jan 7, 2008 - 4 answers

How does paying a loan off early affect your credit score? I would assume that it would make your score higher. Also I applied for a capital one personal loan. I have a credit score above 750 and reported income of 100k + w/ very little expenses. The rate they offered me was 12.99 which is the highest available from their lowest available of 6.99. What gives, I figure I should prove to be a fairly safe investment.
posted by mi6op on Jul 29, 2007 - 8 answers

What's the real story with Insurance Credit Scoring? [more inside]
posted by Flakypastry on May 4, 2007 - 4 answers

Is there any credible possibility that credit card purchases of unsavory items (beer, cigarettes... well I don't smoke but you get the idea) might make their way indirectly onto a FICO score or be found out by lenders? Standing at the liquor store with a six of Boddingtons I can't help wondering if I should be paying cash.
posted by zek on Apr 11, 2007 - 14 answers

CreditFilter: Two years ago, not really understanding the importance of good credit behavior, I let a department store card slide for 180 days, twice (I KNOW!). This impacted my credit history greatly. I had previously had 4 years of good payment on two credit cards. Over the past year, to help recover and instill good habits, I pay my credit cards in full every month (read: no personal debt) and added a paid off car loan to my reports (15K). My CC limits have slowly increased but my score has remained somewhat the same (10 pt increase).

What can I do to get out of this rut? Some collegues I know have a sizable CC debt (around 15-20K) with less income than me but have great scores and could buy a house tommorrow with no problems. What am I missing and no, credit-fixing agencies are NOT an option.
posted by anonymous on Dec 12, 2004 - 11 answers