Stilt Team
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Official comment For a company, there are no options for an individual soft pull. There is an option for a hard pull available for landlords and similar service providers. It costs $1,000/month or more to do soft p...
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Official comment The best use of a good FICO score is to get debt in case of unexpected needs. It is great to have low existing debt and low credit needs on a monthly basis. If you want to buy a house on a mortgage...
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Official comment Sometimes. You just need to be aware if these companies actually report to credit bureaus. Some of the services like Netflix may not do it. As their prices are not dependent on your credit history ...
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Official comment Quoting Investopedia: “A credit report is a detailed report of an individual's credit history. Credit bureaus collect information and create credit reports based on that information, and lenders us...
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Official comment You can start building credit history in a month after you get your first credit product. The answer to how much credit history you need depends on the type of product you want. Credit Cards: You...
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Official comment As you apply for a credit card or other types of credit, most lenders do a hard pull on your credit report. This may affect your credit score slightly - it goes down by a few points. The other thin...
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Official comment Yes, Barclays like most other credit card issues does a hard pull for credit line increase (even if they offered you the increase themselves). Sometimes, you receive an offer in the mail stating yo...
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Official comment You can reach at a “good” status for credit cards pretty quickly. If you pay your cards on time follow basic principles of using credit effectively, you can get 700+ score in 2–3 years easily. But ...
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Official comment There are 5 components of a credit score: Payment History - Based on a borrower’s payment history. This is the most important factor. Making regular payments on previous credit is very important....
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Official comment It is difficult to say whether these companies have been successful, but they have definitely been doing it for some time now. A lot of companies use social data as an additional signal, but not co...