Why do not I have a Credit score?
In case there is not enough credit information available with respect to you, the credit models will not generate your score.

How can I improve my Credit score?
There are a lot of step by step ways you can follow in order to raise your credit score. Since this is not something which is possible overnight so it should be dealt with patience. You can browse through various tabs at www.MyCreditScore.us to know more on this.

How often does my Credit score change?
Credit Score is directly related with the credit report. As you need new information to your credit report, there would be similar changes in your three digit number.

I have a fair Credit score. Can I get a new credit account?
It is advisable to have a higher credit score. In case you get a new credit account, you should keep in mind to have a credit account with a higher limit and limit yourself to only about 30% of the credit limit. That will increase your credit report substantially and thus raise your three digit credit score.

I have too many Credit cards. Does it affect my score?
In case you have too many credit cards (courtesy Lily from HIMYM) and majority of them have higher existing balances and payments which are due, you will have a terrible suffering on your credit score.

Do inquiries affect my Credit score?
In case you have a good credit score, the role of enquiries does not matter much. Whereas if you have a bad credit score, then the number of enquiries can have an adverse effect on your credit score.

Does co-signing for a loan affect my Credit score?
A co signing entitles each of the members the full responsibility to pay the loan in case the other person does not. Every loan you have weather a co signed or individual will affect your credit score directly.