Comments on: 7 Ways to Improve Your Credit Score

By: Ken

Ken — Sun, 07 Mar 2010 20:06:41 +0000

Great site ! If you have any questions about credit, you can e-mail Quizzle and get a reply. I wanted to know the FTC address, it was sent to me. My credit situation was complex, however for a small retainer found a law firm that will also assist getting your credit back on track. Had a bill that was sold to a collection agency for pennies on the dollar. The law firm solved the problem.

By: Jerry Bennett

Jerry Bennett — Thu, 04 Mar 2010 21:43:29 +0000

This place is amazing. Now I know what must be done so I can get my First House. Keep up the Great Work!!!!!!!

By: Bonnie

Bonnie — Thu, 25 Feb 2010 22:45:50 +0000

My credit score makes no sense at all. Credit cards closed were due to deceptive practice and closed immediately and two were closed by the issuing bank due to compromised information by a seller. A new one was was opened automatically by the bank I don’t charge much as I like to know my cash flow at all times which seems to me be smart since I am retired, have more than enough emergency savings and adequate investments.
If a little charging is necessary to improve one’s credit score, people are being encouraged to get right back where they are now -in tons of debt with no savings.

By: Teresa

Teresa — Thu, 25 Feb 2010 07:44:54 +0000

QUIZZLE YOUR AWESOME! GREAT TOOLS, GREAT ADVICE, AND FREE TOO! WTG! LUV IT, LUV IT, LUV IT!!

By: BELLIA

BELLIA — Wed, 24 Feb 2010 03:07:03 +0000

I LOVE IT! SERIOUSLY I HAVE READ ALL THE RESPONSE AND ITS ALL GOOD AND TRUE..

By: Omar

Omar — Sat, 20 Feb 2010 16:31:51 +0000

Quizzle is a great website that allows me to get the most complete layout of my financial picture. I am in the process of looking for a home and I am so glad I found out about quizzle before closing. I now know that I earned a B and I am confident that I am purchasing a home that I can afford.

By: amurphy

amurphy — Tue, 16 Feb 2010 15:24:17 +0000

@Bill – Great question! Closing an account can hurt your credit score. By taking away available credit, you hurt your credit utilization ratio, which will negatively impact your credit score.

However, with the new Credit CARD Act going into effect on Feb. 22, many banks and creditors are beginning to charge fees – whether they be general annual fees or fees for lack of use. Is it worth it to keep a card open that you don’t use when you’re being charged money for it? That’s a decision you have to make. But generally speaking, closing an account *will* negatively impact your credit score.

By: Bill

Bill — Tue, 16 Feb 2010 06:12:15 +0000

Several people have problems with #5. Which is correct?
To close accounts not used, or keep them open? Or both?

By: Don

Don — Tue, 16 Feb 2010 03:21:09 +0000

And don’t use free credit report dot com as part of inquiriry your bank account numbers are needed for free credit report. However it is so you can be signed up for a credit monitoring service. The bank account numbers are needed to charge your acct on a monthly basis without your knowledge. About $12 to $15 per month. Nothing is free!!!

By: suzi

suzi — Tue, 16 Feb 2010 01:10:39 +0000

I can’t wait to get my score. Have a few minor blemishes that I know of but
all that occoured during and post divorce. I have closed several cards over the last few years to “simplify” and that is worth the mental relief not to keep track of cards I rarely use.