A reader asks…

I work out of my home,and I am trying to find a way to pull my clients credit. My application that they sign is for authorization to pull their credit, but I have been having to have them pull their own credit. The big three wont do it for me without a commercial space. Can someone push me in the right direction?

A reader asks…

I have only have one revolving credit card, and I have a very high credit score. Because of this overall score they subsequently increase my credit line, even though I don’t ask for or use this revolving line of credit. Question? I have been told if you ask for a credit line decrease they lower your overall credit score? Why? What can you do to minimize a lowered credit score?

A reader asks…

Have a few credit cards with high rates that we no longer use. Is there anyway to get rid of a $10,000 credit limit on a card that has a zero balance without killing our ‘excellent’ credit scores?
We would like to increase the limit on our lower interest rate credit cards, but have not been allowed to due to outstanding limits on existing credit cards.