The R asked:


How soon does a car or even a house become reflected on your credit report? For a house in particular, as soon as it closes and the money is sent from the bank to the title company, is it the title/escrow company that lets the credit bureaus of the new purchase to be reflected on your credit report?

Hannah

Jack B asked:


My wife is a stay home mom and she does not have any income. She does not have bad credit history but she does have some debt. Will banks run her credit report when I apply for a mortgage? I want to apply for the mortgage based on only my FICO, my income and the outstanding credit in my name.

Is that possible in NJ?

Thanks!

Matthew

PlasticTrees asked:


I would like to pay off bad debts, but I’m wondering if it’s worth it. Even if I pay it off, will it ever matter? I worked as a bill collector for 2 years, although we were trained to lie about how it truly affects your report.

Kaden

Joe S asked:


I dont want my credit to be docked by having multiple lenders pulling my credit. All I would like is a rate to get the best deal.

Ashley

Brandi K asked:


Was just wondering if some or all lenders go by credit score or report. I have always heard that they haven’t. Some clarification would be great!!!!

Jayla

don041982 asked:


i have alot of good standing accounts with no or low balances but they are not been reported to the credit bureau by the credit card companies or my lenders and thats really effecting my history and score.

Aaron

emilydianemiller asked:


My hubby and I are working on improving our credit to become homeowners. Once I was told you needed to have a good mix of credit on your report to show you are responsible in all areas. We have two car loans, several student loans, and various other items.

We don’t have any credit cards, don’t really have a need for them. But everything I hear says you should have some revolving credit to show responsibility. I don’t want to get a credit card just for the sake of having one unless absolutely necessary.

Anyone with mortgage approval know anything about this?

Jesus

J asked:


I pulled my credit report from Experian and I need to contact some of the lenders/collection agenc/creditors. The credit report lists all the information such as dates, reporting company, status, etc.., but there is no contact information. What is the best and easiest way to get this information so I can call these people that are reporting my credit status? Thanks

Noah