I heard having too many credit cards can lower your FICO score even if you pay them full each month. How many can you get before they drop your score?
I had problem getting a credit card when I had no credit history and then after I finally got one, I had difficult time getting another one, because banks said I had "too few" revolving accounts. Now I have 5 credit cards and only 1 of them carry balance. My balance to credit ratio is 6% and my FICO score is 740.
I have a fico score of 681 and want to get a loan for 10500. I want to know who has the lowest intrest rate for me without applying and lowering my score! Can anyone help me on this?
I have about ,500 worth of debt, my income after taxes is about 21,000 a year. Most of my creditors have closed my accounts (all of my credit is maxed out). I recently got my FICO score and it is 529 (very, very poor). I have called some companies that specalize in debt consolidation and I have been told that I do not have "enough debt". I talked to a professional about bankruptcy and was advised against filing because I do not have "enough debt". I am a renter, and do not have any assets that could be held for collateral. With my credit score being the way it is, and closed accounts on my credit record… what are my options?
I recently purchased a home (3 months ago) and financed 100% of the home. At this point I do not have an equity in the home. I am currently looking for a way to consolidate some of my debt to lower my rate, lower my payment, and ultimately pay off the debt sooner. I have 1 car loan, 1 personal loan, and 5 credit/store cards that I would like to consolidate totaling about ,600. My FICO score is currently 686, and I am on time every month with all of my bills. I have paid all bills on time (most of the time more than the minimum) for more than 3 years straight. My problem is that my Debt to Income ratio is probably too high for most lenders to consider me for a consolidation loan. What can I do to consolidate ALL of my debt? Any feedback would be appreciated.
I have a FICO score of 554. Are there any places that will still give me a personal loan?
