No. of Recommendations: 1

One more thing yall. Might it be wise to transfer my debt to my mom. Who will "hold" it for a month, and my Fico score would go up. I have used the fico score simulator. And then apply for a lower rate credit card or loan through a credit union. Do credit unions do credit checks? That way I can get a lower rate and save some money.


It can take 2-3 months for changes in your credit situation to percolate into your credit report (and hence score.)

And yes, credit unions do perform credit checks. They are usually more willing to treat you as a human being than a bank, but the approval process is still based on the same principles.

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