Posted by SHERENE on February 04, 1999 at 10:13:47:
I have just recently learned more and more about how the credit system works. Unfortunately, I had to learn them the hard way after applying for a mortgage. I have also learned alot about this credit scoring system everyone now uses and it seems to me you loose the most points when someone looks into your file. My question is: Can you block you file in any way so that companies don't look at your file to see if you are eligible for any promotions and is is wise to maintain a current copy of your credit report to carry with you in case some one needs to look at it. I would like to stop all people from looking in my file without my authorization. 2) How can you tell if your credit score has gone up? and 3) What is the best way to maintain a high credit score? 4) How often does your credit score rise and at what rate? Also I have applied for a mortgage and my husbands credit scores are all over 650 but mine are 658, 622, and 628 can anyone tell me if we are able to get a mortgage at a decent percentage rate???????????????
Worried to death!!!!!!!!!!!!!!!!!!!!!!!!!!!