Credit freeze lifted by thieves using Experian phone support Not sure how to proceed next.. please see below. I just got some new info I’m adding. Credit karma popped up at 230pm letting me know I had 4 hard inquiries (3 banks total). I called the banks, all of which had no idea where the inquiries had originated. I was hoping for a dealership so I could call them and stop a sale. I then called Experian,…

How can I start building my credit score? It’s non-existent right now. I tried getting a credit card last year, but I couldn’t because of my lack of a credit score..Now I’m trying to move out on my own and I’m running into difficulties submitted by /u/SongStuckInMyHeadd

Question about paying minimum on credit card (general question). Question about paying minimum on credit card (general question). I am a math teacher and am thinking about adding onto my finance activity that I do for high school students. In the past I covered as a scavenger hunt (I have the phrase they google search and students find the answers)– factors that impact credit score, credit utilization, age o…

Unsure if this will help or hurt my credit? Hello! Im very new to credit and loans and the like and im not 100% sure if this is a good idea or not. I want to get a guitar center credit card to make a 100$ purchase, pay it off then cancel it afterwards. However, how much should i take out and will this negatively affect my credit? Ive heard that you should only spend 20-30% of your loan to…

Paying with personal credit card but transferring money from HSA? Hi there, I called Fidelity and asked and they said that that was fine that I can pay with my credit card and transfer the money from my HSA to my personal account. However, I do that with most transactions as it’s easier for me to keep track of however, is that opening me up to more possible scrutiny? I do try to keep all of my receipts, but of…

Do my wife and I both need credit to get a mortgage? Me (23M) and my wife (22F) are looking to buy a home sometime in the next couple of years. We just finished college and are saving as much as possible toward a down payment. One thing I’ve heard conflicting information on is whether we both need good credit to get a loan. I have never borrowed any money (no credit cards, no student loans, paid c…

Question regarding credit card Hey guys. I want to open my first credit card for A) to build my score a bit and B) I’m short on money for the next month or so. If I were to open a card for like $400 and use most of that money but pay it off well before the 60 day limit, will I be penalized for that? I’m very new to all of this and it wasn’t explained great to me growing up, …

Subsidized Student Loans to Help with Expensive Credit Card Payments So, I’ve been offered approximately $1800 per term in subsidized student loans at a 6.7% fixed interest rate. (I’ve also been offered unsubsidized loans for similar amounts through federal aid) Currently I work full time and attend school. I’m approximately $17000 in credit card debt from years of bad decisions… they’re all standard credit cards…

Five Ways to Spot a Credit Card Skimmer Card skimmers are easy to install and hard to detect. But if you do these five things every time you swipe or insert a card, you’ll be fine.

Which credit card should I get next? I’m looking for a new credit card with a great sign-up bonus. I have some big purchases coming up so I know I’ll easily hit any minimum spending requirement. I already have quite a few cards like Venture, Venture X, CSP, Chase Freedon, Bilt, Citi Custom, and Discover. I know it seems like a lot, but I love to travel and I’ve saved so much on fli…

Any way to start establishing credit before moving to the US from New Zealand? Moving from NZ to the US and looking to see if there’s any way for my wife to start establishing credit before moving. submitted by /u/Askingalot

Credit “Suppressed” meaning or cause? I want to start by saying everything got resolved but I’m still wondering what exactly happened. When I was applying for a mortgage I ran into a problem when my mortgage broker tried to pull my credit history. TransUnion reported “Applicant Data is Suppressed”. My mortgage guy had never heard of this, my coworker’s wife who’s a mortgage broker h…

In Credit Debt, should i get a loan? Alright, so basically like the title says. I kinda owe a lot of money on my card. When i signed up for this credit card (my first and only) i didn’t realize the interest was so insane. Leaving me interests charges that are also insane and a monthly payment that’s more than my car!! I’ve always made on time payments and i used to pay way over my …

Multiple Credit Cards To Help Spending Tracking? Does it make sense for me to consider getting a second CC so that I have one for necessities (groceries, medical, etc) and one for nice-to-haves (eating out, vacations, etc) to make tracking my spending habits easier? Any downsides I should consider (e.g., credit score?) I’ve tried using online tools with my single credit card, but it always end…

Chicago to credit fans if injured Messi can’t play The Chicago Fire announced Friday that they will provide compensation to fans if Lionel Messi is unable to feature due to injury when Inter Miami CF visit Soldier Field on Aug. 31.

Making sure I’m not missing something with getting credit debt down I have a card that can do a balance transfer and cut my other card balance in about half. Option a.) 0% interest for 8 months, then 27% after that (this is still 2% less than my current card) Option b.) 0.99% interest for 15 months, then 27% after that. I know 0% sounds better, but I’m thinking OPTION B because it’s a lower rate for longer. Th…

Should I use all my savings to pay my credit card debt off? I have $11k right now in savings. My Apple Card is at 4% interest with a balance of $5,300. My Chase credit card is at 4% interest with a balance of $4,700. My Capital One credit card is also at 4% interest with a balance of $2,900. I know my interest rates are low but the money just looks good in my savings account and I’m always afraid that if…

Should I pay off credit cards or save more? I currently have $14k in savings, but about $4500 in credit card debt. I consolidated all of my CC debt with a balance transfer. I am nearing the end of my interest free period in a few months. My goal is to have $20k in savings by New Year’s. However, if I need to postpone it I will. I’ve come down to two decisions: -Use my savings to pay off m…

LPT – Improving your US credit score by paying cards early If you’re somebody who uses and pays off credit cards regularly, making a large payment just before the closing date will help your score. The major credit card companies report the closing balance to the bureaus, so if you have a large balance every month it hurts you even if you later pay it off. For example, you have a $5K limit and use $3500…

Will making my kids authorized users of my credit card help build their credit history? In an effort to start building a credit history for my teenaged kids, I authorized them as users of my Wells Fargo credit card. But their cards have the exact same account number as mine, so I don’t know whether making them authorized users is doing anything to build a credit history for them. Wells Fargo’s customer support had no answers for me…