Is consolidating debt into your mortgage a good idea Free toronto chat lines

10-Aug-2017 09:22

“That way, you’re not polluting your credit report with a lot of balances,” he says.Some people erroneously believe that old debt on their credit report is bad.“Credit scores are determined by what’s in your credit report,” says Linda Sherry, director of national priorities for Consumer Action.If you’re bad about paying your bills — or paying them on time — it damages your credit and hurts your credit score, she says.This is also a good reason not to close old accounts where you’ve had a solid repayment record.

One of the biggest ingredients in a good credit score is simply month after month of plain-vanilla, on-time payments.The minute they get their home or car paid off, they’re on the phone trying to get it removed from their credit report.Negative items are bad for your credit score, and most of them will disappear from your report after seven years.What you might not know: Even if you pay balances in full every month, you still could have a higher utilization ratio than you’d expect.

That’s because some issuers use the balance on your statement as the one reported to the bureau.The FICO score, a credit score commonly used by lenders, ignores any such inquiries made in the 30 days prior to scoring.

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