Are you supposed to finance some of it to make your credit rating better?

I know it’s illegal, but in theory, could it work? Surely there are people who can add or erase things from your credit file, right? I know that there are three credit reporting companies so changing only one wouldn’t help much… I was just wondering if it”s even possible.

How long does it take for money to return to your credit card when you return something at Officemax?

How long does it take for money to return to your credit card when you return something at Officemax?

Knowing employers perform a credit check of prospective hires, what is your strategy when you’re out of cash and in survival mode?

a) Sacrifice your credit score by running up debt until you default or

b) Save your score by relying on the kindness of strangers outside Costco and sometimes having to go hungry.
Please allow me to clarify. Within months I will be homeless. As in, can’t pay my rent and living out of my car doing my best to appear not homeless.

My husband and I were trying to purchase a home but we need to raise our credit score and I heard about this credit enhancement program that will raise your score to 720 but it costs 750 dollars.

I am searching for a full-time job and just put in an application with them. Does anyone know if they check your credit? If so, what do they look for?
Well, that sucks. I have never stolen from any of my employers and I am an extremely reliable employee. I have great references from my supervisors. I was employee of the year at my last job. I work hard, but it isn’t enough to keep my head above water.

If you have a medical bill while you’re a minor that you’re unable to pay for, can it count against your credit history?

I have good credit (my Fico score is in the mid-700s)

I am considering leasing a car sometime this year, and this might be a dumb question but…

How does it affect your credit…does it count as an actual debt?

Lets say I leased a car. If I wanted to calculate my debt to income ratio, would that be included as debt?

Well, obviously I know WHAT affects it negativley -slow pay, no pay, being over your credit limit, etc. But, what I want to know is how do the 3 credit agencies ( TransUnion, Equifax, and ? can’t think of the other one) put a point values up and/or down on things. For example – let’s say you are late on paying your VISA card, by more than a month. So, they report as a “30 day past due” How does that affect your credit? Does that reporting cause your score to go down 5 points, 40 points, etc. ? Then, what action brings the score back up, and how many points at a time? Let’s say I pay off the entire balance of a credit card, then close out that account… does that raise it up another 10 pionts, or as much as 50 pionts??? How long does it take for a bad reporting to “fall off ” of your credit report. I know that each time a lender “pulls” your credit report, that in itself causes your score to drop. I would appreciate hearing from anyone who actually knows FACT regarding this-thanks