Just a Girl ?
New member
I'm unsure of my credit score. I pulled my credit report but it doesn't give a score. Not sure where I can get that. Last time I checked it was in the high 600's. I have 3 dings on my credit, 1 late payment from Dec 2006 when my payment protection didn't kick in right away after an auto accident, 2 collection accounts (1 with Verizon for a home phone - small amount but I never recieved the bill however it is paid off once I received the collections notice & 1 ambulance bill that never got paid by the insurance).
All other 5-6 accounts I have are in perfect standing, never been late and paid more than the minimum payment every month. I got denied by PNC Bank for a personal loan so I'm looking into other banks. I know that mortgages & car loans have multiple banks/institutions being checked so that you can see which works best for you, and at the end of 30 days all those inquires for the mortgage or car loan are lumped into one credit report inquiry. Do personal loans work the same way?
All other 5-6 accounts I have are in perfect standing, never been late and paid more than the minimum payment every month. I got denied by PNC Bank for a personal loan so I'm looking into other banks. I know that mortgages & car loans have multiple banks/institutions being checked so that you can see which works best for you, and at the end of 30 days all those inquires for the mortgage or car loan are lumped into one credit report inquiry. Do personal loans work the same way?