 I have horrible credit how do i fix it?? |
| I'm only 21 and screwed up my credit so bad. When I was 18 I moved to manhattan and maxed out my cards and was late paying them off. They're all payed off now and closed accounts. How do I ... |
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 How do i establish good credit? |
I have had my first credit card for 3 months now. i am 20 years old. i want to establish good credit. how can i do this
???
i have a National City Visa Points Credit card that i got ... |
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 How do I balance my life financially with a $475.00car payment, $500rent, $200 credit debt, with 1300income? |
| Not to mention food, gas, car maint. Do I sell my car but it's not paid off and I don't want to get ripped off, I have invested too much money into it. I really want to settle for something ... |
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 Late car payment need advice? |
| ok heres the deal my payment is due on the 25th of november due to fiancial problems i couldnt make the payment what my plans are is to pay the month of november on dec 18th and then pay december ... |
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 Any suggestions for someone with bankruptcy on their credit that would now like a credit card? |
| I had to file bankruptcy 6 years ago, because of a previous marraige. I would like to have a credit card now. It is really hard to find one that will approve me. Does anyone know of a credit card ... |
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 If my credit score is 714 and i apply for a wamu card how much will they give me as a start? |
if my credit score is 714 and i apply for a wamu platinum credit card can anyone tell me how much i will get.
? all my other cards are zero balance and the highest card is a 2000 limit so i ... |
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 Credit card for 12 year old.? |
| i wont to give my 12 year old sister a credit card they asked if i wonted to add some one so i said yes, i gave the name and it came in the mail i thought i was done. now they are asking for ssn, ... |
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 I need a credit card with no annual fees, but i have really bad credit...? |
| i have been denied by my bank, and the other credit cards require a doposit for my credit line. i just want a major credit card where i don't have to give any money up front. please help. thanks.... |
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 I am considering entering a debt management program. Anyone have any advice? |
| I am considering entering a debt management program because I am way over my head in credit card debt. I know it may not be the best solution but it seems I keep putting it off, getting no where ... |
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 Shall I pay this six year old debt? |
A collection agency is requesting payment for a debt owed beginning in september of 2001 (date of first delinquency: 6 years ago).
The information is not in any of my credit reports. If it was, I... |
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 Can someone tell me how to find a Private personal loan lender in my area? |
| Still trying to get a lioan with little or no credit and I have been getting alot of rejections. Does anyone know a good personal lender or some website I can go to where I can find one in my area?... |
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 Does anyone know of any car loan places that help people with bad credit and gross around 1200 a month? |
| I have been trying to get approved for an car loan but my credit isn't very good and i only make about 1200 a month. anyone know if there is somewhere i can go to get help with an car loan ... |
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 Is a 7,000 credit card limit for a 21 year old good? |
Is that below average, above average, or just average? Just curious. Thanks.
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Don't worry ppl- I'm great at managing money and very careful with my credit ... |
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 My credit score is 453.? |
| What are some good ways to re-establish my creit without havin to pay alot of $$$. I really dont want to try those things where they erase it off because they charge alot.. Any suggestions.. Please H... |
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 Can Collections file a case on you and get you arrested ? |
| can that happen if you owe $600 or more to your bank, credit card company, or online company like neteller ?... |
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beach_babe971 | 734 credit score to 837 right away? |
my credit score is 734 because im 21 and only had credit for 3 years. i want 830 or higher right now. i never had a late payment, never had a missed payment. and there are no negative things on my credit. i have all unsecured credit cards with visa and master card with 10,000 credit limit.
but it sayd 30-40% of people have better credit than me. thats a lot. it said it because 3 years of credit history is short. and it said the average credit history is 15 years. im NOT waiting till im old for 830 or higher.
i read something on credit attorney, and it said if you have someone esle authorize you on their credit report, their history on that card reports on to yours.
so if a parent has a 834, and they have a kid with a lower score like 700, it will raise their credit a lot higher right away.
my mom has a 834. could i have her authorize me on her card, and have her history report on to mine? she has no car loan, and owns her house with no mortgage, so theres no risk she will
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mess up her credit. and i will go from 734 to 800 or higher? |
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Some Guy in IT
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The absolute highest FICO score you can get is an 850.
With a score of 734, you should already be getting the best rates on loans, which is the whole point of the score. If you really want to get higher than 734, from what it looks to me you can only do that by having a longer credit history. By only having three years of history, 734 is a high score as it is.
If you get added on your Mom's card, her credit would not be affected unless you missed a payment. However, its doubtful that your credit score would go up at all. |
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SPIFIMAN1
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How many times are you going to ask this question? |
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acermill
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Do not bother with trying the system of being authorized on someone else's credit card to raise your own score. As of September this year, FICO is changing its credit analysis systems to eliminate any benefit from being authorized on the card of another.
If you're considering trying to beat that deadline, also don't bother, since FICO is planning to change that system to make retroactive any benefits one may have previously gotten by using the card authorization process.
I suspect that is REALLY going to irritate the thousands of folks who paid a lot of money through www.instantcreditbuilders.com to try to improve their credit scores in this fashion. |
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Jo
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Your score is more than enough, it's more than than mine, and I have history for 7 years, don't have a late payment, have a mortgage, Credit cards with full balance available ...
Anyhow, if you are planning on getting a loan, banks have other methods of verifying credit worthyness. Talk to your bank/loan representative of your local bank first.
Also I would advise your mom not to do that, as I hear a lot of storries of moms getting hurt by their daughters malpractices. And dads don't get better off with their sons either ...
First make sure you are financially sound, and then then credit score won't even matter and you wouldn't need your moms help either.
I know you might not like the answer, but that's the best answer to my heart I can give. |
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zygote222
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The other responses are correct - there is no advantage whatsoever in striving for an 830+ credit score. You are probably already eligible for the best possible terms on any loan you apply for. Just because you've convinced yourself to strive for 830 doesn't make it a sensible goal. Be satisfied with your already top-notch credit score. |
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Chane
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Anything above 720 and it doesn't really matter. You will be able to get the same rates as someone with 750, 800 or 850.
I mean, the rates only go so low. You can't get better than a banks lowest rate.
I heard to get over 800, you must have a 20 year history. |
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beauty s
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Your score is really good and it takes time to get to 830 and just keep doing what u have been doing.. and u should be there in no time... |
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iceman
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734 is a great score. Once you have gotten into the middle 700s getting is higher is all for show. You will still get the best rates most of time with that score. |
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$m¤¤v¥ £¤¢¤
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You're one of the lucky ones in the financial pecking order: Your credit score is high. Really high. But what if you want perfection?
Get a hobby.
Having a high credit score is great. But the slight difference between very high and perfection just won't make a difference in your everyday life.
A credit score is your credit history at one point in time, reduced to a single number. One of the most popular credit-scoring models, the FICO score, can range from 300 (very bad) to 850 (solid gold). But don't expect to see many 850s walking around.
"It's very rare to be there," says Maxine Sweet, the vice president of public education with Experian, one of the three major credit bureaus. "I've never seen it."
Though it's theoretically possible to score 850, most high scores top off around 825, Sweet says. "You can't get much higher," she says.
From a practical standpoint, that's just as well, several credit experts say.
"There is no reason to go from 775 to 850 because you're still going to get the same rate," says Linda Sherry, a spokeswoman for Consumer Action, an advocacy group in Washington, D.C. |
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DPL06351
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I would imagine you should be asking a credit card company these questions. |
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