 Will canceling some of my credit cards effect my credit score? |
| I currently have four credit cards and I only use one of them. I am considering canceling two of the cards I never use, but I want to make sure that this will not hurt my credit score.... |
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 Why is is that employers now use your credit score to determine if they want to hire you? |
| I ask this because for ten years I was in retail management. I had some credit card issues and now, with a low FICA score I cannot find a management job. How can ten years of experience be ... |
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 Car repo'd and charged off June of 2000, SOL is up for our state, collection agency called on it yesterday? |
| Had a car repo'd in early 2000 and have not paid any money since, it was charged off in June 2000. The statute of limitations is up (6 yrs, for state of Maine). I understand that 7 years after ... |
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 Why is it good to read? |
| the dictionary,the historical book, and non ... |
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 Bad credit loan for a used car ? |
| This has been asked, but i haven't got the answer i need. i got $4k down payment and i wanna buy a $12k used car. i have a low credit score but i only have about $1,600 debt that i am currently ... |
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 I have a loan and need help paying it off..? |
I have a loan from cash call, and their rates are so high. can I get a loan from a credit union to pay that laon off?? and will this hurt my score??
... |
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 Why does everybody love debt? |
| I recently answered a question about how to build credit. Why do you want it is what I want to know! I have 2 very nice paid for cars (one is a classic hotrod), I don't have to worry about ... |
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 Anyone know a good online loan company? |
| I have a ccj and do not own my own home but need to borrow about £5000. Is this possible?... |
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 USA in deep debt........? |
| Have you any idea how deep in debt our nation is ??? What would happen if those to whom we owe money all of a sudden want to be paid ???? And what if no one would lend money anymore to this ... |
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 Could I build my credit history this way (see details)? |
| Apply for a credit card with 1 year 0% Introductory APR. When the intro APR runs out, apply for another card with the same 0%introductory APR for another year and repeat. This way, I pay no ... |
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 LOST in credit card debt :( help anyone!!!? |
| I am just keeping my head above water here... 30,000 in debt credit cards ... I dont know what to do.... |
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| Is it true that if you ignore a bill for 7 years it will go away? |
| My fiance said that after 7 years of lack of action a bill goes away. I was wondering if that was true.... |
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 Do you think we will be approved for out Mortage? |
Me and wife haev combined income around 110k a year. We have some credit card debt (nothing to horrible) and 1 car payment around 300/month. My credit score is 700 hers is 620.
We are ... |
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londa627 | How do I go about fixing my credit report? |
Besides paying current bills on time, do you have any suggestions that will help me get my score up? |
 |
 
kutchiekat
|
I went through the same thing you did, this is what you do.
1) Get a copy of your credit report!!!!
2) All the bills on your credit report that states past due, those are the bills that you need to really to worry about.
These past due bills is what is killing your credit report.
Don't worry about the other one until later, credit cards and banks don't really pay any attention to ones that are not past due.
3) There are usually an address and almost always a phone number, that you can contact.
4) Make arrangements with them to pay off the past due bill, just remember allot of the times they will be willing to knock off a % of the bill to get it paid off.
5) Then always, always make sure you get a recept.
6) Then try to get a prepaid credit card, or a small load witha co-signer, pay it off on time and it can take up to a year but you will find that it will give you outstanding credit.
Just remember that the bills you pay off will take up to three months to clear from you credit report, if you don't see it come off contact the creditors agency.
Just remember it dose take some time but it is never to late to fix anyones credit report.
Good luck, it is alot of work. |
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Wicked Good
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Check it to make sure all your information is accurate. |
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FIX WHAT? lololololololol,,,,,
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you don't use freecreditreporting.com,,,,,,not free????? and pay your Student loans.!! |
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mel
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pay off your balances.
don't spread your debt, pay the bill in full when it comes due. |
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c_vieve
 |
According to some experts, you can dispute anything on your credt report even if you legitimately owe it or not and whoever it is has 30 days to show that you owe it and if they don't come up with something they legally have to take it off of your credit report whether you really owe it or not. |
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Ceon
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Buy something with your credit card and pay it off at once. Never miss a payments or charge your card like crazy. |
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david a
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Your credit score is based mostly on:
1. Length of credit history
2. Payment history.
3. Ratio of credit used to available credit.
4. Number of credit inquiries you authorized.
If you cancel your card, you'll be hurting your credit ratio. (#3).
You want to deliberately keep your oldest credit card open, even if you never use it.
You want to always pay the minimums of each loan on time every month.
You want to keep your available credit high, but actually only have balances equalinig 25% or less.
You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.
You do these things and your credit score will quickly soar into the 700s.
--------------------------------------...
http://www.bestcreditrates.net |
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Drew
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I'm not familiar with your credit history.. but some tips are..
Minimize your credit accounts(debt to income ratio). Close unecessary accounts. Try and keep one for a long period of time. If you have large amounts in an account that can effect your credit so lower it if possible. Paying something to half the original balance or less raises it. Try using a credit card to buy gas and wait till the end of the month or due date and pay off your balance in full. |
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b4bumpkin
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Of course, always pay bills on time.
1. Consolidate debt into one or two credit card accounts, if possible, and close any accounts that you don't need. The fewer open credit card accounts you have, the better.
2. Order copies of your credit report from all the credit reporting agencies. Scrutinize the report and report any inaccuracies you may find. I've seen many times where information was reported incorrectly, and once reported, it will be verified and removed from the report. This will have an almost immediate impact on your score.
3. Try to pay down your debts as much as possible. The lower your debt is, the better your score will be. You get a boost in your credit score when you pay off debt; credit issuers like to see debts paid off, so aside from paying on time, try to pay off what you can.
4. Again, pay all of your bills on time.... it will take a while to build up a good history, but if you pay on time, then eventually your credit score will go up. |
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jollyroger76
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Screw credit reports. Learn to live on cash. You'll be wealthier, and happier. Need a car? Buy a used one with cash, and keep saving for something nicer. Need a mortgage? Well, save 20%, of the home price you want. No bank is going to chase away 20%!! They have security built into the loan they give you. Good things happen to those who wait(save). |
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