Credit Reports Mortgage Companies Use
2010
? Credit scoring and credit cards?
I sold my house through a short sale and I did not know exactly how going to affect my credit score. I received a letter from one of my credit card companies indicating that they closed my account because of what was written in my account FICO (formerly 767) and was an inactive card. Still I have two accounts with the company even more credit card, which is active while the other has been inactive for 2 years. I have two other credit cards with other inactive companies. Currently, I have no mortgage or a car and I have to pay my credit card credit in full each month and in time:. The questions are Is it necessary to activate and use all my other credit cards to prevent companies from closing Credit card and how I can improve or at least maintain my current FICO score (I guess until now, simply dial in the free annual credit report and it showed a negative remark)? Any comments would be greatly appreciated. Thanks, confused
Use your card at least once every 1 a few years. This prevents you from being asleep. Holders of credit cards and can check from time to time, and if a decrease was observed, which can cancel or raise rates. Congress is currently acting to prevent that from happening. In addition, a card is used and not listed as "inactive" will help your credit. No balance on it only pay after use.
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