Liberty Credit Repair

say you are in good staying, never was late. always payed the balance. but you have too many credit cards let’s say. so when you cancel that credit card. what happens to your credit score? Does your credit limit you had for that card get erased from the records? after all those years of building the credit limit to help the credit score. what happens to it? and what happens to your score? i’m just curious.

There are a lot of factors affecting your credit score. Let me just break down what you mentioned and identify whether they would be good / bad for your credit score.

Never late / always paid the balance – Definitely good

Too many credit cards – This, more often than not, lowers your credit score… especially when the total card balances take up too much of the total credit line given to you.

If you are looking for the free credit score national site, check out this site

http://Free-Credit-Score-National.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating for free, fast and secure.

Hope this help,

I’m in my late 20’s and my soon to be husband is in his early thirties. I have credit card debt, but I’m working on it. I have a couple bank accounts. I also have a really good credit score. My soon to be husband filed for bankruptcy a couple years ago after he got divorced to avoid paying for bills his wife wasn’t paying. He doesn’t have a credit card. He does have a bank account. I have no idea what his credit score is. Will my credit score be affected when we get married? Should we share a bank account when we get married?
Note: His wife bought things and then didn’t pay for the bills for them. They were items she bought and used when they were separated. He didn’t see or use them. When she didn’t pay for them the creditors came after her. She claimed she wasn’t working and then they came after him after they were divorced. He was advised to file bankruptcy so the creditors would stop going after him.

Nothing
When I married my wife she had and still has 12000 dollars in unpaid debt. Her creditors can’t touch me because none of it is in my name and none of my property is in her name

Condi Rice Lies About 9/11, Iraq , Clinton & Osama bin Laden.

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I have a credit score greater than 760 in the US. We are planning to move to Canada. Do Canadian lenders have access to/consider US Credit Score when considering an application for credit?

No they dont. You will have to start fresh again. Best option is to get a visa when you get here so you can start building your credit history quickly. I know, it sucks, but unfortunattly, Canada has not become the 53rd state yet, so they dont have access to your credit in the states.

I have recently paid off everything on my credit report. My credit score is slowly creeping up. I, like a lot of people, screwed up my credit when I was younger and am paying for it now. My Scores range from 579 – 618. Can someone give me some feedback please?

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I have recently paid off everything on my credit report. My credit score is slowly creeping up. I, like a lot of people, screwed up my credit when I was younger and am paying for it now. My Scores range from 579 – 618. Can someone give me some feedback please?

Financed cars is more expensive to insurance cause it requires full coverage. You can compare how much you would pay for full coverage of this car using this tool – carinsurance.yoll.net

http://www.creditscoreremedy How to take control of your credit score if you’ve found yourself paying high interest rates or being turned down for a loan.

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I have recently paid off everything on my credit report. My credit score is slowly creeping up. I, like a lot of people, screwed up my credit when I was younger and am paying for it now. My Scores range from 579 – 618. Can someone give me some feedback please?

Financed cars is more expensive to insurance cause it requires full coverage. You can compare how much you would pay for full coverage of this car using this tool – carinsurance.yoll.net

I am not talking about a great interest rate loan, but just baseline, what credit score do I need to qualify for a loan at all? Due to some student loan troubles over the last 12 months, my credit score plummetted into the 500s (from around 700), but I make 6 figures with minimal debt so I’m wondering where I need my credit score to be before I can even consider a mortgage.

You need a FICO score of at least 620 to even be considered for an FHA loan. Conventional loans want a score of at least 720 – 740, plus 20% down and closing costs.

The negative student loan problems could be enough to keep you from getting approved even IF you had a score in the high 700s. You may have to wait till you have 24 months of consistent, on time payments showing on the student loans.