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Does getting a new credit card negatively impact your credit score?
I already have two which I& 039 ve always been told is pretty ideal. I& 039 m just about to make the jump into " Good" credit territory, though, and am wondering whether it& 039 d be better to simply renegotiate better terms for my current cards or apply for a new one.As I understand credit, getting a new card would not affect my score, since my current debt is usually 1% or less. Is this right?

If pay off things on my credit score will my credit score go up?
I am starting to pay things off on my credit score...once these payments are made will my credit score eventually go back up? I want to improve my credit are there anymore tips besides paying off debt.

Which way is better to raise credit score?
I have around $3000 on my credit cards and very low credit score. i will be getting the sam eamount in my refund and was wondering which way would fix my credit quicker, to pay the whole amount on cards at once and bring it to zero or make larger adn on time payments over few months

How can I raise my credit score to buy a home?
Im looking to buy a home in the near future. My credit score is between 589 606. I know this is too low to qualify for a loan for a new loan, which is why Im trying to find out what I can do to raise my score quickly. I have one credit card that only has a credit limit of 250, it hasn& 039 t been reported yet, but I paid it off recently, so now I have a 0 balance. I also have student loans that arent in repayment yet, but they equal to about $40,000. I am still a student so I assume this wouldn& 039 t be held against me. I also have several derogatory accounts that I need to know how I would go about getting them taken care of. I recently paid off a few utility bills that I wasn& 039 t aware was on my report, but they havent been reported yet either. Other than that, I have a judgment against me for a car I still owed on. The judgement was just placed on my report a week ago, being that I just went to court for it. I also owe an apartment complex, but thats just a few hundred dollars. Made alot of mistakes when I was younger .I need to know the best thing for me to do to raise my score so that I dont have to pay high interest rates, when I apply for a loan. And any additonal helpful credit advice. Thanks

My credit score went down from 708 to 580?
I have 4 credit cards, one target and one best buy.total was about 2750 , my credit score was 708.Then, i spent lots of money in 2 months and my balance was over 2000.i notice that my score went down to 580 despite i am paying over the min payment but still the balance very high.then i got the tax refund and paid all credit cards except best buy and balance became about 500 Dollars.after you read my story , i wanna keep my credit cards full and dont want to use them, do u think now my credit score will increase? thank you

What are the minimum credit score to get a loan for these lenders?
Do you know what the minimum credit score you have to have to get a first time home loan from these lenders....American Home BankCitizens Mortgage CompanyEphrata National BankFulton Mortgage CompanyHomeSale Mortgage ServicesPNC Mortgage, LLCSovereign BankSusquehanna BankUSDA Rural DevelopmentWachovia Mortgage Corporation

Using credit cards to improve credit score.?
If I were to max out a credit card that has a limit of $300 and pay it off in one or two payments will this help my credit or worsen it?

Will this affect my credit score at all?
I recently got my first $500 secured credit card and i ended up using like $490 on it. Well i thought i was doing pretty good until i checked online & they posted & charged the $39 anual fee on it. Which means im over the limit now. Like $ 526I im really just using this card to build credit... and i really need to know if this over the limit issue will hurt that??? THANKS I HAVE NEVER HAD A CC B4

Will the act of adding an Authorized User to a credit card affect either person's credit score?
Assuming the card stays in good standing with no missed payments.I ask because my mom doesn& 039 t use a credit card and I was thinking I can add her as an authorized user to my card so I can earn additional rewards points.

Will paying late car notes improve credit score?

I've heard about many things about fixing credit score. Which actually work and how fast?

Is it better (credit score wise) to pay a collection agency or the original creditor?
I owe $300 to a community college. It went to a collection agency and it& 039 s now on my credit report. Should I pay the collection agency listed on my credit report or the school? If I pay the school, will the collection agency be taken off the report? If I pay the collection agency, will it lower my score because it will show a late payment on my credit report?

Who is the most efficient company to help fix credit score at fast pace?

Credit card deliquency - will it affect by credit score - by how much ?
I have 2 credit cards. I am using one regularly paying bills in full timely. Second card had a 64$ bill which i forgot to pay and late by 70 days. Subsequently it was notified to credit beureu. I paid in full today which would get reflected in my second credit card account in couple of days. I am worried about my credit score and credit history. How much it would affect and what it would mean for a new auto loan ? Any help would be deeply appreciated.any help with regards to fixing credit ding would be appreciated.