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There are three large credit bureaus that people can use to keep an eye on their credit: Equifax, TransUnion, and Experian. Each bureau has its own credit score. Therefore, people monitoring their credit should check each. Depending on which bureau is checked, the score may be different.
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∙ 12y ago
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What are the negatives and positives of having someone cosign on a home loan if you have less than perfect credit?
the pros are obvious. you get to buy the house whereas you couldn't with poor credit on your own. if they are a percentage owner on the deed they would get those proportional proceeds when the house would sell. ideally you would have them on the mortgage, but not on the deed.
If you have fair credit should you apply for a loan on your own or with a cosigner who has bad credit but more income and assets to get a lower rate?
I would try to get the loan on my own and build MY credit up. Its a personal choice.
If someone submits a business credit card application does that affect the personal or business credit score?
According to bankrate, if someone submits a business credit card application it affects their personal credit score. Since it's still their own business card, it's considered their personal item.
How do you you abbreviate federal credit union?
FCU is the standard abbreviation for federal credit union. However, each credit union would utilize their own abbreviation. For example, Arizona Federal Credit Union would be AZFCU.
How do you check credit without affecting your score?
Your credit score is based on your credit history. It is not the affected by the number of times you check your own credit rating. However, many credit scores factor the number of times someone else checks your credit and it may lower your score.
How can someone monitor their credit report?
One can monitor their own credit report online. Websites like Equifax, Experian, and Transunion offer a free credit report once a year for users to help monitor their credit report.
How can someone make their own computer monitor shelf?
Someone can make his or her own computer monitor shelf, by buying a shelf in a do-it-yourself shop. Buy it together with some stuff to fix it to the wall and voila.
Plagiarizing is using someone else's words as your own?
Yes, it would be plagiarizing if you didn't give any credit to the source.
Why would someone need a creditcard imprinter?
One of main causes of credit card fraud is the credit card imprinter. Many criminals use the credit card imprinter to mass-produce credit cards for their own purposes.
If someone runs your credit report can you get a copy of it from them?
There are many web-sites that will provide you with a copy of your own credit report if you ask for it ! You don't need to wait for someone to run your details through a credit agency - you can get your own report any time you want to.
Where can one view my credit report?
Someone can view their own credit report from a number of credit scoring agencies, such as equifax, transunion, and annual credit report, and experian.
If someone is renting a house that is NOT in their name and the owner of the house has a lien filed against them how does that affect the renter and their credit?
It would not affect your credit at all because you are merely the tenant and are renting the property. Since you do not own it, and the owner is the person that has the lien filed against them, it will not affect you or your credit.
If you own your car and it's in your name but the loan is in someone else's name with you as the cosigner will that still help your credit?
Yes, it will still help your credit.
What is the idea that you cannot use someone else's words as your own?
Using someone else's words as your own without giving proper credit is known as plagiarism. It is important to cite or reference the original source when using someone else's words to avoid plagiarism and give credit to the author.
Does going overdrawn through no fault of your own affect your credit rating?
It should not affect your credit rating. Discuss the situation with your bank and have it changed and monitor your credit report. If you see an error, report it immediately. In the report, you will be able to issue a statement on why the account was overdrawn and it will be removed.
What are the negatives and positives of having someone cosign on a home loan if you have less than perfect credit?
the pros are obvious. you get to buy the house whereas you couldn't with poor credit on your own. if they are a percentage owner on the deed they would get those proportional proceeds when the house would sell. ideally you would have them on the mortgage, but not on the deed.
If you have fair credit should you apply for a loan on your own or with a cosigner who has bad credit but more income and assets to get a lower rate?
I would try to get the loan on my own and build MY credit up. Its a personal choice.
