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My credit scores seem to have gone up slightly in the past

My credit scores seem to have gone up slightly in the past weeks. I still have a lot of outstanding credit although always paid on time. One thing I didn't know is that I have a lot of closed accounts (because I paid) from finance companies and those accounts still impact negatively in spite of having closed them. I got this warning from a credit service(Discover FICO) . Can you please tell me what I can do about this issue? ThanksSummary scoresscore657 Jun-15657 Jul-15642 Aug-15642 Sep-15642 Oct-15642 Nov-15648 Dec-15650 Jan-16650 Feb-16650 Mar-16662 Apr-16677 May-16

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

 
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Is it possible to get a mortgage to buy a house when you

Is it possible to get a mortgage to buy a house when you gross just around 20,000 the past few years with a credit score in the upper 600s to low 700s and a cash down payment of 10000 to 12000. I hate to rent when a mortgage is often cheaper and your money is going toward owning your own place

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Rakhi Vasavada

Financial / Legal Advisor

Bachelor's Degree

 
3,896 satisfied customers
I want to open an IRA year 2015 and make a maximum

I want to open an IRA for tax year 2015 and make a maximum catch-up contribution. My accountant said he could set up an account for me. What type of fees should I expect to pay? Are there accounts I can set up myself without fees? What questions should I ask him to make sure I'm getting the best account?

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

 
16,278 satisfied customers
How can obtain financing land located in Northern

How can obtain financing for raw land located in Northern Virginia? Most banks that I reached out to are not interested in land financing and I was wondering how to go about financing the land. Currently the land is zoned as residential but it's in a flood zone so it can't be built on. Possible current use are recreational.

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Andy4712

Attorney

Doctoral Degree

 
472 satisfied customers
I need to change the bank account number that my direct deposits

I need to change the bank account number that my direct deposits are being sent to.

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Rakhi Vasavada

Financial / Legal Advisor

Bachelor's Degree

 
3,896 satisfied customers
If you have $100,000 IRA you wish to withdraw from the stock

If you have $100,000 IRA you wish to withdraw from the stock market, would you have topay a tax penalty and if so, why and how of a penalty. The age of the person that has theIRA money is 66, does that make any difference.

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

 
16,278 satisfied customers
I need to do a trust to trust transfer of my 401k to an IRA.

I need to do a trust to trust transfer of my 401k to an IRA. I don't know where to start. Please explain the process.

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

 
16,278 satisfied customers
How can you stop payday loans from drafting your bank

how can you stop payday loans from drafting your bank account? how can you get out of a title loan?

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Rakhi Vasavada

Financial / Legal Advisor

Bachelor's Degree

 
3,896 satisfied customers
I have a high limit on my credit card ($16,000 limit of card

I have a high limit on my credit card ($16,000 limit of card $19,500, interest 19.5%). Would it be wise to transfer the majority of this balance to another card (that I was accepted for for $14,000), as they have a promotional offer of 0% interest fora year (after 12 months 19.5% interest will apply) and continue to pay it down. Or would it be better for my credit score, to transfer half of the balance to the new card and and keep the remaining amount on the old card (which will cut my interest paymentto half of what it currently is), I'm thinking this move would make my limit on each card under 50% of total limit. Or would opening a new credit account outweigh these benefits? Thank you for your advise and any other suggestions you may have.

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PDtax

Owner

Master's Degree

 
6,656 satisfied customers
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