A hard credit pull will be
noted on your credit history.
And when the debt is finally settled, there will be
a note on your credit history that says you settled for a lesser amount, further marring your credit for years to come.
Not exact matches
As a huge bonus, business owners who make
on time payments and keep their balances low can build business
credit, however it's worth
noting that your payment
history may be reported to personal
credit reporting agencies and affect your personal
credit scores.
These factors might not be obvious to applicants seeking approval with low
credit scores, but it is worth
noting that approval is not always granted
on the basis of figures and
credit history.
Dan
notes that payment
history and amounts owed
on your
credit are the two most important factors, while length of
credit history, how much new
credit you've obtained recently, and the different types of
credit you utilize also play important roles in determining your score.
access to your
credit score and tools to help you monitor your
credit profile,
note availability will vary depending
on ability to obtain your
credit history from TransUnion ®
As a matter of fact, your
credit history won't even specifically
note that an authorized user was present
on your
credit account.
If you decide to do a form of debt consolidation or a balance transfer, then
note that the new loan you get from Lending Club has a 60 month term with rates starting at 6.63 % APR (based
on your
credit history).
There is no
credit check or
credit inquiry, which means that lenders with all types of borrowing
histories qualify to receive this loan, even those who have had bankruptcy, repossession, and even foreclosures
noted on their
credit file.
Do
note that even when you close a
credit card, it typically isn't removed from your
credit history immediately; it could even stay
on your report for 10 years, and as long as it was in good standing (paid up) when it was closed, it could help your average age of accounts as long as it's there.
Moreover, the paper gets its
history wrong when it
notes that «Total cancer mortality rates did not decline until 1990, 25 years after the identification of the effect of smoking
on lung and other cancers...» Well, actually, it was more like 50 years, because the earliest studies to connect smoking and lung cancer were conducted not by NIH - funded scientists but by Nazi scientists in the run - up to World War II.4 By the logic of the PNAS paper, then, ought we to be
crediting the Nazi health science agenda with whatever progress has been made
on reducing lung cancer, rather than the incredibly protracted and difficult public health campaign (that, for the most part, NIH had nothing to do with) aimed at getting people to cut down
on smoking?
In many states, homeowners with exceptional
credit histories are eligible for reduced rates, but as Washington's laws are very tough
on how much influence your
credit history can have
on your insurance premiums, good
credit discounts may be harder to find (it should be
noted that the laws concerning the relationship between Washington insurance rates and
credit ratings are in place to keep insurance providers from raising the rates of those with poor
credit history rather than to keep those with excellent
credit histories from getting discounts).
It might be worth
noting also, that until 1972 - 73, women were the property (chattels) of their husbands, (this might be of interest to recent immigrants who may not know the Canadian
history), and up until then could not own property in just their own name; and in another REM article it was pointed out recently that back then, the writer
noted a woman could not have a
credit card in her own name; she had to be a secondary card holder
on her husband's account (if he permitted it).
It's worth
noting that rent payments are not typically reported to the
credit bureaus, so the tenant's
history paying rent will generally not appear
on the
credit report.
In fact, the Consumer Financial Protection Bureau issued a report in early May
noting that 26 million Americans are «
credit invisible,» meaning they have no
credit history on file with any of the major
credit - reporting companies such as Experian, Equifax and Transunion.
Credit reports are usually based on the individual's: (1) credit history; (2) who reviewed the credit history; (3) information that has been given to the credit information company; (4) specific identification information; and (5) any explanatory notes and com
Credit reports are usually based
on the individual's: (1)
credit history; (2) who reviewed the credit history; (3) information that has been given to the credit information company; (4) specific identification information; and (5) any explanatory notes and com
credit history; (2) who reviewed the
credit history; (3) information that has been given to the credit information company; (4) specific identification information; and (5) any explanatory notes and com
credit history; (3) information that has been given to the
credit information company; (4) specific identification information; and (5) any explanatory notes and com
credit information company; (4) specific identification information; and (5) any explanatory
notes and comments.