amhjp1820 asked:


Ok, past credit messed me up. I have a judgement thats almost paid off. I am trying to raise my credit score.I have 3 new accounts that I’ve paid on time for over 1 year. I read that one way to raise your score is to piggy back on a relatives good credit ( have them add me to one of their good accounts and not use it) Is this safe, is it legal. I would love to hear constructive ways to increase my credit score. Please don’t judge me. Almost all of my bad credit accounts have been paid off. I put my sons first when the divorce came. They lived in the house that I paid for while I lived in a basement.

kristopher asked:


I contributed $90,000 to start a business by using personal lines of credit. My partner contributed $10500 of cash. He is telling me that since the lines of credit have interest applied to them that they are actually company liabilities and are not to be considered capital? How does this work?

Faith E asked:


If i file bankruptcy, can i still rebuild my credit without a car loan? I want to purchase a paid off car and get liability insurance. I still have a student loan and 2 credit cards, I am planning to keep them to rebuild my credit. Will these get me to 700s after 2-3 years of paying on time?

yage v asked:


Credit cards are becoming more and more picky about extending credit, and the interest rates are through the roof. What are some other ways I can establish solid credit without a credit card or major expenses? I go to college full time and work full time, I don’t want to get into heavy debt.

chaos_magician13 asked:


I recently turned 18 and im in a great living situation. i live with my dad, make about 1000 a month and im a musician. I wanted to buy a new bass and amp, but more importantly need to start my credit. I already have the money to buy the bass today, but i wanna see if i can start my credit with this purchase.The stores i went to say i need at least a 700 score to apply for their credit.
Is there any credit i can apply for, without having to pay financing and apr and so on without having credit to begin with. My plan is to buy the bass with credit, pay it off right away, and probably cancel the card right after.

Simpson C asked:


If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?

Neerdowellian asked:


I’m trying to find the best mortgage rate to buy a house, therefore there are several mortgage companies running my credit. How in the world am I supposed to shop for a good rate if every inquiry damages my score? Isn’t that the dumbest thing?

kita asked:


I am looking to raise my credit score and I have been turned down buy credit card companies and I spoke with someone that said I could get a pre approved credit card but i thought all credit cards were pre approved. Please help me I need to raise my credit score. Thanks

LJ asked:


I am wanting to purchase a house, but I don’t want to look into financing until I find something I like. I am afraid my credit score will be reduced if I start asking banks to review my credit.

Sierra S asked:


I just turned 18 in the end of October. What would my credit score be now? What does it start out as? What is the eastiest way to build your credit score? How long does it take to build your credit? Do you get points per month or what?