Jun 30
im working on cleaning up my credit report,i have payed off almost everything that was on my credit report,except for my car loan wich has never been a problems paying on time...so why isnt that improoving my fico score?
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Jun 28
Do balance transfers negatively affect your credit score/report? I usually transfer balances to my 0% APR balance transfer card with no fees and then pay them off. I never have a late payment, etc, but was wondering if transferring balances directly affects your credit report or score. Thanks!
P.S. It is transferring to the same credit card each time, since the offer has no fees. It is good until April 2007. So I am not opening a new card each time I transfer, and the transfer is going onto the card when it is a {content} balance. Also, my credit cards are not high or maxed-out by any means. It just gives me a few more months each time to pay off 0.00 or so.
Thanks!
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Jun 25
My FICO score is a 730 and my credit history has no negatives, except for my length of established credit being less than four years.
I already have a Discover card with a 2k limit, as well as two smaller limit cards with Chase and Cap. One... what are my chances of qualifying for an American Express? Will it benefit me, or should I just stick with the cards I already have?
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