Should I dispute the adverse item on my credit report or just pay it off? Also, will a balance transfer help or hurt me? [more inside]
posted on Aug 25, 2008 - 13 answers

How can I refinance my car with my terrible credit? I have awful credit, I just had a credit card cancelled a few months ago, and even a credit union (and their downstream alternative) wouldn't extend to me. [more inside]
posted on Jul 30, 2008 - 10 answers

Help me understand my credit, please? [more inside]
posted on Jan 26, 2008 - 12 answers

How many credit cards should I have and what should my limits be for the best possible credit score? [more inside]
posted on Nov 29, 2007 - 7 answers

Help me design the Best Possible Plan For My Credit in 2008. Ten years ago I had no cash, and terrible credit. Today I have some cash, and no credit. I want to make some good choices next year, based on a well-considered strategy. [more inside]
posted on Nov 26, 2007 - 5 answers

Why did my credit score go down? [more inside]
posted on Oct 18, 2007 - 13 answers

I am in my 20's, have no debt and have no need for a loan; should I get one anyways to help my credit? [more inside]
posted on Jun 23, 2007 - 18 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 on Apr 11, 2007 - 14 answers

Options for (re)building my credit...how best to re-build my credit history with an eye towards home ownership... [more inside]
posted on Mar 20, 2007 - 13 answers

I've been doing some general simplification of my finances, and realized that its more worthwhile for me to use a credit card which gives me cash back to purchase gas (and other daily expenses). The thing is, I've had a brand-specific gas card for six years now, just to charge monthly gas fill-ups and then pay the balance each month. If I close this credit line is there a strong chance that it will impact my credit negatively? [more inside]
posted on Nov 6, 2006 - 9 answers

Short-term loan offerings: Which product keeps the FICO "ding" to an absolute minimum? [more inside]
posted on Oct 25, 2006 - 7 answers

What's a "good" FICO score? [more inside]
posted on Mar 31, 2006 - 14 answers

My wife (who only works part-time) and I will be applying for a joint mortgage soon. My FICO score is 800; hers is 670. How will a lender determine our interest rate when we have such different scores?
posted on Mar 26, 2006 - 7 answers

Credit Reports. I've just received mine from the big three via MyFICO.com. I've got above average scores (750+), but I see a bunch of old credit cards that may or may not affect my score. You see, I'm getting my finances in order to go home loan shopping for the first time. What's steps should I be taking to make loan officers like me?
posted on Dec 8, 2004 - 11 answers