I’m well aware if you have a car loan to buy a car, you can improve your score by making adequate monthly payments. If you decide to lease a car instead of buying one does it affect your credit score?

Are you resonsible for the outstanding balance on your home?
Will letting your house go effect your other credit cards or bills in regards to payments going up due to foreclosures?

I’m paying off my credit cards. How long does it stay on my credit report? Trying to improve my credit by having 1 credit card. Any ideas? I have like 6 credit cards. Someone told me it still says on credit report for a few years. Does it improve your credit score by paying off credit cards?

I set up a merchant account with my bank and I will be charging my customers through my cell phone because ill be going to their houses. Would you feel ok if you had your credit/debit card charged through a cell phone?

I remember hearing a while back that there’s some companies you pay that can raise your credit score.

I’ve heard its illegal to do but there’s companies that you can pay to raise your score. What is the deal with this? WHy is it illegal? How is it done?

How do you dispute past due on your credit history?

Does bankruptcy come totally off your credit after 7-10 years or does it stay on your credit forever ? Will it show I ever filed for a bankruptcy or does it erase like i never filed at all after the length of time it is suspose to be on there?

When you use your credit card at a store for a purchase, and take the option of also getting cash out with your purchase, does your credit card company bill you for a cash advance, or does it just look like whatever amount you take out plus your purchase to them?

I am trying to find a mortgage lender and I have had 2 different lenders tell me 2 different things:
1: Checking your credit hurts it by 3 pts. everytime it is checked…
2: You have 30 days to check your credit on 1 thing at a time… mortgage, auto, etc. The first time, it hurts it 3 pts. but during your 30 days, you can check it as many times as needed (as long as it is for the same reason) and it doesn’t hurt it at all. When the thirty days is up, it hurts it 3 more pts. if you run your credit again! Which is right? Either?

If you withdraw money from your savings account does that reflect poorly on your credit?