I have a cell phone bill on my credit i salaried it can i gain a strange svc near a diff company if so wil my dep b soaring
i had a cell phone bill next to sprint it was 900 it go to a collection agency and it is on my credit report they settled with me for 450 i want to knw if its possible for me to receive another phone with sprint or if i can take one from a different svc provider and if can will my deposit be highAnswers: It depends on several things...first, are you sure that this is on your credit report.
I hold had sprint cell since 1999 and at hand is no mention of it on my credit report (AT ALL)
Granted maybe they own changed policies since then but they didn't come across to care much if I be late paying the bill, they only just added the unpaid amount to the next month's bill..
You didn't say aloud what else is on your credit report. I dont know how much sprint dropped your score so I would suppose that your deposit depends more on what your score is and smaller number on just one rival company.
Of course sprint will charge you a high-ranking deposit and they might capture -because unsurprisingly somewhere on page 98 subsection A.14549-09 there is a clause that states that we will purloin all money you owe us or something approaching that
Not sure but I would suggest you try another company for the best chance of a low or no deposit.
Will getting a credit card limit increase and getting it approved affect my credit score?
Answers: It can depend. There are other factors that comprise your score:
1. Payment history- 35%
2. Total debt owed to available credit ratio-30%
3. Length of time establishing credit-15%
4. Types of credit established-10%
5. Inquiries and New accounts-10%
Your ability to pay on time and how much available credit you're currently using compared to how much available credit you have are the 2 factors that affect your score the most. The perfect situation would be if you're paying on all your accounts on time, if not early, and you're using well under 35% of your combined available credit. Then, a credit line increase would definitely help your score. When it wouldn't help is when you're closer to your limits and you've missed a payment or two.
It will lower your percentage utilization on revolving accounts, which is likely to improve your score. Not guaranteed, and the amount might vary, a few points increase is fairly likely.
If in deciding to approve the increase they do a HARD inquiry, the inquiry could lower your score. If they do a soft inquiry (e.g. account review) that won't affect it. They should tell you if they are planning on doing a hard inquiry, and you should ask to make sure. If so, the inquiry might offset or even outweigh the benefit of the higher limit. Depends on your utilization, inquires and the rest of your report. If the inquiry isn't on all reports, the other reports will only benefit from the increase.
Of course, if you spend up the new credit, you lose the benefit to your score!
: List 4 reasons that might cause someone to inspect your credit history:?
Answers: 1.you are in a serious relationship with someone (and s/he doesnt want to marry and live in the basement of the inlaws house)
2. you want to make a major purchase (house, car etc)
3. you applied for a job
4. you want to rent someplace
5. you applied for phone or electric in your name and the company would like to determine how much money you have to put down (if any) as a deposit
6. you have been late paying your bills / decided to file for bankruptcy
7. you agree to cosign for somoene
8. you want to open a bank account (not sure about this but I know that there must be someway that someone who has bounced a check at one bank and had the account closed is banned by nearly all other banks - so I am thinking that checksystems uses your ss number- but again, I am not sure on this
I can't think of anything else
If you've applied for a credit card.
Some jobs (government jobs) require a credit check.
If you've applied for a loan.
If you're planning on being a co-signer on someone elses loan.
house ,car, credit card app, any government job