Bad credit?

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bjz112887

Bad credit?

ok i am 20 i have a scroe of a 520 4 monthes ago my score was 467 i have 3 credit cards 2 visa abd one target how long will it take for my credit to get up to a 600 when i credit condser good i have 53 inqures over the past 2 years

lisa s

what are the balances on your accounts and what are the limits.
there is not enough information for any of us to answer this
but you can
pull your credit report
see why your score is so low
and fix it
53 inquires is quite a bit.
Dont apply for anymore credit for awhile and work on getting these three paid off.
DO you have an errors one your report?
If so get those disputed and corrected.
Vow not to have any late payments.
Make sure that your cards are not near the limits
make ontime payments
after you pay them off do NOT charge what you cannot pay off each month.
Your credit will increase
why not dedicate your entire income tax check to improving your credit?

Marc Chase

The first thing you should do is lay off the inquiries.

Keep all your credit card balances below 20% of your limits. Pay your bills on time and it shouldnt take long.

Its really hard to answer that question...but I can tell you i've seen hundreds of people go from mid 500's to high 600's in only a few months of responsible habits

ocstyle84

The only thing you can do is use the credit cards you have and make the payments on time and just let time go by. You probably hear that you dont have a long enough credit history alot... it just takes time check your credit score yearly.

Pengy

First pay your balances down to under 30% of the available limit, and here is an important item, quit applying for new credit, each time you do your scores drops. The inquiries remain on your report for 2 years

Alex

ok... first you only need one cc. pay your bills on time every month!!!

Daniel

Get a bad credit loan. There are many people in your category. So lenders have come with a special package. That is bad credit loans. Each lender will have their own limit and value. So research well and then apply.
http://www.loan-guides.net

Crazyjester9

You are only 20, so chances are your score is more from a lack of credit history then a bad history. Just keep the balances low on your cards and keep up on the payments.

Try getting a small personal loan and paying it off real quick.

gor e

Improve your credit score by Credit card debt consolidation:

Credit card debt consolidation adds up all your unpaid balances and converts them into a single payment. This payment is far lesser than each of the individual payments.

When you finalize a plan with a debt consolidation company, the company repays your dues to your creditors. Then you make a single payment to the consolidation company every month. Your average new interest rate is much below the old interest rate.

http://debts-to-wealth.com/category/Credit-Card-Debt-Consolidation.html

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