Repair Credit Score

Archive for the ‘Credit Score’ Category

Question: Where do I find software to monitor credit?

I just started a credit consulting business. I used to work for an agency through which I learned how to help people keep their credit scores high. Simple stuff but some people dont have the time, patience or knowledge to do it. I am a small profit company and I have lots of customers. I wanted to know if there is a credit pulling software out there that I can use (legally of course) with my business?

Answer: I have a couple ideas for you; however, I am not certain if you are just wanting to pull your customers credit or if you are trying to find software that will automatically update for you.
If you are wanting to just pull your customers credit, there are several companies you can contact to help you. My office uses experian and a website called credit system

http://www.hartsoftware.com/ifaq.htm

I was not able to find any software that helps you to monitor credit unless you pay for it and I am sure that's not what you're looking for.
Good Luck with your business.

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Question: Credit Score to lease a car?

Hello there
I want to take advantage of the offer Honda currently has to lease a 2010 Civic LX automatic for $210 per month, $0 due at signing, $0 deposit, $0 security.. but I would like to know what's my Credit Score supposed to be in order to be eligible
Thanx

Answer: Financed cars is more expensive to insurance cause it requires full coverage. You can compare how much you would pay for full coverage of this car using this tool - carinsurance.yoll.net

Luxury Wooded Tampa Bay Country Estate with No Credit Score Lease Option

Question: Credit Report question.. What are hard inquiries and who makes them?

How many Hard Inquiries do you have? I was asked this in a Credit Score simulator.
Thanks in advance,
Alex NYC

Answer: Hard inquires are in response you to applying for a loan, mortgage or credit card. Each hard inquiry dings your score a few points EXCEPT mortgage and automobile financing. The scoring system understands that shopping for a good interest rate is different that applying for credit cards - so several of those hard inquires are counted as ONE hard inquiry - if done in about 30 days or less.

Each credit card application is a separate hard inquiry. You should shop for the best interest rate BEFORE you apply for the card. Also, be realistic about your financial picture and your ability to qualify for the card. If you have a 550 score, don't apply. It's not realistic that you would get the card.

Soft inquiries are those that lenders do to evaluate you as a good risk for marketing credit and loan products - such as "you are pre-qualified for a credit card". Also, your query about your credit profile is a soft inquiry. These DO NOT affect your score at all.

Quest for Credit - Part 1 (HD) - Mint.com