by Kitty I’ve never missed a credit card payment, and have always paid more than the minimum payment. I’d like to negotiate a lower APR. What’s the best way to go about this? Simply ask them… by: Tracy Interest rates …
by Kirkpatrick I got a new card 4 months ago, and my spouse got one last month – just for groceries. We’re currently applying for a mortgage. We both have mid 700 score. Just wondering if those new CCs can …
How absolute is the 6-months rule of no new trade lines prior to mortgage application? Read more »
by Dustin Hi, I’m considering applying for a Graduate Plus Loan (GradPlus). Does anyone know if they’re based on score alone, or do they also check negatives? I do have 90+ late from BOA from five month ago, but there’s …
by Ben I know that low credit utilization is critical, but what is the ideal utilization? 1%-9% is ideal (certain limitations apply) by: Tracy You won’t find it in written in the Fico formula, but the common conception is that …