tl asked:


I’ve gone to get my credit report online through experian but its telling me I have to pay for the actual score. I don’t understand why.

MG asked:


I have paid down some balances already for some time but the changes are not appearing on my credit report. I’m not pulling up my credit however, I have alerts when my scores go up or down or if there’s inquiries etc. Do I have to ask them to report the change in balance? Why is it that when you rack up a ton of charges they report them really fast but when they’re paid off, they take forever? Is there a way to “speed up” the process?
I have paid them down but plan to keep the balances they have now (which are very low) instead of making more charges. Would writing to the credit card company make any difference?

touchemupent asked:

I have a 592 fico and still need a cosigner? What score is need to purchase a vehicle no money down no cosigner?