 What might this do to my credit score? |
| I have a card that is paid off and compared to my other cards, it's limit pales in comparison. I want to close it. However it is one of two oldest accounts. The oldest account has a limit 4X ... |
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 Discover Credit Card? |
What are some of the benefits of having a Discover card?
Anyone have any experience having one?
PROS/ CONS?
... |
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 Credit Report Question? |
How long does the following information needs to stay on the report?
* Accounts that are paid for as agreed
* Charge off ... |
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 How old do you have to be to have a credit card? |
the title is self explanatory
Additional Details
can my mom get me one?... |
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 Visa Mastercard....or any credit card? |
If I buy some shoes and they dont accept paypal but only major credit cards.......where will the payment be deposited??
Will it be deposited into their checking account or something?... |
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 Credit Card Fraud question.? |
| My child's father used our son's soc sec number to get a credit card. Who should I tell & what will happen to my son's father?... |
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 If you pay collections off that are on your credit report, does that help any??? |
| I know it will stay on your credit report as a paid collection, but does it help any??? Your score??... |
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 Should I transfer my college debt to 0% credit cards? |
| My wife has about $28000 in school loans. Should I transfer this to credit cards, two in her name and two in mine, with 0% interest and keep flipping credit cards every year to maintain the 0%?... |
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 Debit card question ...? |
| I just got a new credit card in the mail(haven't had one before) to start building up credit. I read an article in Men's Health that recommended ditching the debit card and only having a ... |
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 Credit score question? |
| I just paid off the balance on my credit card. I just want to know how it will affect my credit score if I go ahead and cancel my credit card account. Some people have told me it's better to ... |
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 If i close a credit car account in good standing does that lower my credit score? |
| my bank offered me a credit line 1500.00 w an excellent interest rate the other company i only have a 250.00 limit w very high interest rate if i close that account will that lower my credit score?... |
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 Prepaid credit card????? |
could u pls tell me if prepaid credit card build credit history?
... |
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 Credit report? |
| i owe some money to a credit company if they dont find me for six years is it true the debt is normally wrote off? and when its wrote off is the bad debt also took off your credit record?... |
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SparklingH2O | How can improve my credit score rather quickly? I want to buy a house.? |
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 |
 
iceman
 |
The quickest way to do it is to pay debt down.
But in reality it will all boil down to how much you can handle. Once your mortgage payment + property tax + home insurance + all monthly debt payments are added up they will want to see the ratio to your income be less then about 38%.
Most banks let subpar credit go as long as you have decent income. Terrible credit is another story. |
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Jean f
|
Invest into a CD. |
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ThePerfectStranger
|
There is no quick way. It takes time. If you have credit flags due to slow or non payment, it takes 7 years for these marks to fall off. If you are just building credit, it still takes time. Unfortunately, it requires credit to get credit. Get a credit card or credit of some sort. Make very minimal charges to the credit account each month and pay it each month. Do not let it carry over and accrue interest. Pay it that month. This shows the credit community that you are reliable. The amount of money is somewhat irrelevant as long as you pay it in full each month. |
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savhomer
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whats your credit score now? plus some places will give you a loan based just on your income. |
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jmewing@verizon.net
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If you have a lack of credit history, but no derogatory credit, you can probably get a mortgage now. Call your local savings bank, or small town bank first, they are the least likely to use an automated underwriting system that just looks at your credit score, which means a live person will look at it. You will need to qualify for the monthly payment and have sufficient funds for a down payment and closing costs, but if you meet those needs you can probably get around your lack of credit. |
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BillK
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For buying a house Credit History is much more important than credit score. Often, the lack of credit history is equated with bad credit. You should be aware that lenders will go through your credit report once you apply for loan for buying a house. Therefore you should polish your credit report. Anyway, in order to establish a good credit history and at the same time risen your credit score in a short time do following things:
1) Close all of your credit cards but one. It reflects in your credit report and it is a very good sign. For instance say that you have 5 credit cards with $1000 credit limit for each. Therefore you are responsible for $5000 of possible debt. But when you close 4 of them, now you are only responsible for $1000 of debt which lowers the level of risk of lending money to you.
2) If you have any loan, like car loan or any balance on your credit cards, try to pay more than your monthly payment for 6 months or something. I mean say your monthly due on your car loan is $150, try to pay $250 each month. Lenders can see this trends in your credit report and they see that you’re a responsible borrower.
If you don’t have such loans, I suggest getting a $3000-$4000 loan and paying it off in full in 5-6 months. You might pay $200-$300 of interest but you will save thousands of dollars in your home mortgage and interest rates. |
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Rose T
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I used this company. They worked for me.
http://www.nwbusinessadvisors.com |
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mey t
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Step-by-Step Credit Repair Guide: Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in |
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