Free credit reports and score Fort Wayne

When I asked if my cellphone number was free credit reports and score Fort Wayne the reason for them to turn down my application, the staff said yes. Why would I apply for a landline phone number when I am only the only occupant in this apartment, and I wont be at home half of the time in the day?

I did order my credit free credit reports and score Fort Wayne report after my application was turned down. So, sometimes, when youve been turned down for a loan, it might not be about your credit rating.

But my experience tells me that, sometimes, banks just dont like making exceptions. Actually cancelling old cards has a short-term negative effect on your credit score only if the accounts are older than the average of your credit lines presently reported. In short, a free credit reports and score Fort Wayne part of your credit score is calculated based on the age of your credit lines and if you cancel your two oldest credit lines your average age will drop, bringing free credit reports and score Fort Wayne your score down slightly with it. identity credit report This will correct itself over time, and quite frankly shouldnt be a big deal unless youre looking to apply for credit immediately (in which case apply for your new credit and THEN cancel those free credit reports and score Fort Wayne cards). The only other scenario when canceling credit cards free credit reports and score Fort Wayne has a negative effect is if it significantly increases your credit utilization (lets say you owe $4000 on 5 credit cards which have a total credit limit of $10,000 altogether. If you cancel two cards that have $2000 limits and keep that $4000 debt your credit utilization just went from 40% to 60% and your score will drop a bit). my free credit report In general, FICO rewards long term stability and responsible free credit reports and score Fort Wayne use, so govern your actions accordingly. Dont worry too much about your credit score, if youre paying your bills on time, not defaulting on your financial obligations and checking that your credit reports have no errors then your FICO score will likely look after itself.

I am currently in the process of repairing my credit history.

In my youth i did always make the best choices and I am wondering how long these choices will be haunting me. I free credit reports and score Fort Wayne had a run in with free credit reports and score Fort Wayne a collection agency, years ago, and i am wondering how many years before this will disappear? I am currently waiting for my report from Equaifax, so I will be able to understand what is affecting it and such. So, typically, how many years do things stay on our reports? Some things like bankruptcy stay a long time 7 years. one credit report If you seek help from credit counseling, it remains on your record for 5 years, free credit reports and score Fort Wayne I believe, but thats 5 years after youve completed your pay-down, so it can be free credit reports and score Fort Wayne longer than the bankruptcys 7 years overall. If youre actively rebuilding your credit history, lenders (and Blaine will correct me if I am wrong) will look at your last two-years history very closely, so thats about how long it takes to dust off your history.