I was in the market of buying a new car and I didn’t realize that banks that do inquires on your credit report can hurt your credit score. I would like to know how long it would take for your credit score to go up after the inquires?

As I understand, your credit score is partly calculated by how much you owe and your available credit. If an individual had no late payments on any cards, total available credit of 20K and 6K in debt, if that 6k is paid off right away, how long would it take for the score to go up?

Right now my credit report is atrocious because of a bunch of hospital bills (from one occurrence). After 7 years, will they just disappear and I will be able to start building credit again? Will I be able to get a credit card?

After filing for bankruptcy, how long does it take to go through. Like is it weeks or months for the claim to go through?

My husband is planning on filing for bankruptcy after divorce. How will this affect the outcome of division of 401k. Also does anyone know how to find hidden assests without money. He has hidden bank accounts and stocks and I have no idea how to find them. I’m in Texas

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?

If so, why would they do this? What if your credit didn’t pass? Or if it was good enough to join but not good enough for your selected rating?

They give you a duplicate copy of your receipt and there is a line there for your tip – but they have already ran your card through, so how would that tip(if you chose to write one in) be charged to your credit/debit card and how would they receive it?

I ask because I know canceling credit card hurts your credit scores. And I don’t want that, I always pay everything in full.

Thanks for your help!

I live in Arizona, my bankruptcy was discharged November 4, 2008. My car lease was included in the bankruptcy. I made my car payments until Oct. 2009 when the lease expired. I am not making the payments now and tried to buy the car from them, but they want 6 thousand more than its worth. How long will it take them to repo the car without making payments?