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| *Loan,banking and credit>>>credit score |
How can I find my credit score? |
I'm 19 years old, I have 2 major credit cards and a cell phone plan in my name. I recently financed a $17k car for 4.99% for 5 years. Yet I can't get a store credit card to save my life!!! I've tried before, and I'm afraid to keep trying. Can anyone tell me what it does to your credit to be denied a store card, and where to get a good idea of what my credit is like? (The car dealership said "low 500's" so I went through my credit union.) When would be a good idea to try again? & Will my financing a car raise my credit much? & in what way? some stores have a high credit score requirement. Car financing is quite easy because they finance at a high rate. Your's looks good though. The fact you have been denied does not show on your credit however, every time you apply for credit shows on your record and brings your score down a few points. also, when you appy for too many cards etc that looks bad as you show yourself as a spendthrift. Like I said the report does not show if you had or had not been approved. When someone looks at your report and sees you have applied for six or seven credit cards (store or other) it give the impression you have acquird those cards and intend to use them. Bringing your buying ratio up and that is bad. Call any one of the three major credit agencies, equifax, experian and trans union. tell them you have been denied and they will send you a free updated report. You may need to have someone show you how to read it cause it can be difficult if you don't know what you are looking for. I have attached a link below, this will give you at least one free report from each agency. After that you may have to pay like $30 a year or something. Source(s): http://www.free3bureaucreditreport.com/... Hi, You can obtain your credit score online. But, don't try to pull it very often as it would have some impact on the credit score. Check out http://financeguru.consumerspot.info... for some useful info and tips related to your query. Good luck! first if you already have 2 major credit cards like visa or MC then you don't need a store credit card since most stores take major cc, second the quick easiest way to check your credit score is to log on to freecreditreports.com, you'll need a cc to do this, this credit report is free for 30 days, then they start charging your cc only if you don't cancel in this time frame, you will have instant access to your credit report, best thing to do is get your credit report then cancel, you will still beable to access your account for the next 30 days without charge done it myself, and cancelling not a problem with these people You can get your FICO credit score by going to this website... http://www.myfico.com/ It will cost you $7.95 You also need to check all 3 of your credit reports. You can get all 3 of them absolutely free by going to this government mandated website... https://www.annualcreditreport.com/cra/i... Check your credit reports for any information that may be incorrect. If you do find incorrect information, this could be causing you to have a hard time getting cards. Each credit reporting agency has information on their website that tells how to file a dispute for incorrect information. You can go to http://www.fico.com and get one there. If your score is in the 500 or 600 range you need to improve it. You can go to http://www.your-credit-solution.com... for a free book that is downloadable on credit repair just for signing up for their newsletter. Good Luck |
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