by Claudia Mott | Jun 27, 2019 | Credit Score
Q. My mortgage is almost paid off, I have a $10,000 car loan and a small amount of debt on a credit card. My credit score is 830. How will the mortgage payoff affect my score? I’m also thinking of taking a home equity line of credit (HELOC). Should I do that before or... 
by Claudia Mott | May 23, 2019 | Collections, Credit Report, Credit Score
Q. I lost my job a few years ago and could not keep up with all my bills. I defaulted on some credit cards, but paid the mortgage, car loan, utilities and so forth on a regular basis when I got my disability approved. Some bills went into collections. The original... 
by Claudia Mott | May 14, 2019 | Credit Score
Q. I have a credit score of 800 and my four credit cards have close to zero balances. Is it better to charge something small on each credit card during the month and then pay it off when the bill comes? Or is it better to just use one credit card so I can keep a zero... 
by Claudia Mott | May 7, 2019 | credit card debt, Credit Score, debt repayment
Q. I can’t get my credit score over 560 to save my neck. I had a stroke and was forced to retire and my finances are a mess. I try to pay a little to everybody. I try to pay on time but I have problems with medical bills and other loans. I also think I have a... 
by Claudia Mott | May 11, 2018 | Credit Score
Q. I tried to apply for a credit card, but forgot that I put a freeze on my credit reports because my name and Social Security number were compromised by a hack at a major department store. Will this have an adverse effect on my score? — Credit concerned A.... 
by Claudia Mott | May 7, 2018 | Credit Score
Q. I have 26 hard inquiries in my credit report — ouch! I contacted the credit bureau and 15 of these were for a car loan. I explained to the credit bureau that I only authorized the car dealership to pull my credit. The bureau was unwilling to remove them...