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Bill Said:I have a small student loan. Will my credit score improve if I pay it off, or will it remain the same?
We Answered:You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - credit-report-score.10001mb.com
Tracy Said:Will paying small amounts on my student loans before they are due help my credit score?
We Answered:No it won't help your credit score, but it is a good idea.
Ellen Said:Where can I find a small student expenses loan with bad credit?
We Answered:some financial companie may help you : http://index-go.com/bad-credit-finance-m…
Elmer Said:How does taking out student loans affect your credit?
We Answered:Your debt to credit ratio will be higher due to the student loans but if you continue to pay on time for everything, you shouldn't see a significant change in your credit rating. And I disagree that debt is debt. Many would consider student loans an investment. YOU are the collateral for that student loan. So I think in general they are much better than other kinds of debt.
Alfredo Said:How will paying off a small (5K) student loan affect my credit?
We Answered:It may help a bit.
But the best way to improve your credit score:
1. Get a copy of your credit report (look for any mistakes)
2. Pay on time and don't get behind.
3. Reduce the % of debt you have on all your accounts.
Example: You have a $1,000 credit card and you have charged up to $800 on it. And a personal loan for $500. It would be better to pay $500 on this card and reduce your % to 30 then take your student loan of $5,000 and pay it off so that this 1 account is at 0%.
4. Reduce the # of accounts/loans that you apply for each year to under 5.
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