Check credit scores Lexington

When credit checks are run, check credit scores Lexington they are looking for that good history, and the longer teh better! Another alternative to cancelling a card if you have a long history on it, is to have the limit lowered as much as possible. In the long run, the amount of available credit you have will have a higher impact than the fact that you have 4 credit cards. 4 cards with $2,000 limit each is still less than one card with a check credit scores Lexington $10,000 limit. A few months ago, PC Financial turned down my application for its MasterCard. credit 3 I called and I was told check credit scores Lexington that my credit report was actually very good. However, I did not have a landline phone number and I gave them my cellphone number as my home phone number.

The PC Financial staff told me to get a landline phone number and then to apply again in 6 months. When I asked if my cellphone number was the reason for them to turn down my application, the staff said yes. credit expert Why would I apply for a landline phone number when I am only the only occupant in this apartment, and I wont be at home half of the time in the day? I did order my credit report after my application was turned down. So, sometimes, when check credit scores Lexington youve been turned down for a loan, it might not be about your credit rating. But check credit scores Lexington my experience tells me that, sometimes, banks just dont like making exceptions. Actually cancelling old cards has a short-term negative effect on your credit score only if the accounts are older than the average of your credit lines presently reported. fair credit report In short, a part of your credit score is calculated based on the age of your credit lines and if you cancel your two oldest credit lines your average age will drop, bringing your score down slightly with it.