 How do i get chase to give me a credit limit increase? |
| I have been using my chase freedom card for a year now wiith excellent payment history,no late payment and never maxed out.how do i get them to give me my first crdit limit increase without a hard ... |
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 Can i use a debit card to buy online? |
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 If my wife doesn't pay her credit card bill, will it hurt my credit score at all? Or does it only affect hers? |
| We are struggling to pay our high balance credit cards right now. Some are in my name and some are in hers. We are going to sell our house and buy a cheaper one but right now we cant keep up with all ... |
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 Why build credit? |
I have a year left to go in college. Everyone recommends getting a credit card and using it lightly to build up my credit score.
My question is, why worry about building credit now anyway? ... |
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| I am trying to find my credit report, but all the sites I go to, you have to use a credit card. I don't have one and don't want one. Does anyone know a site where you don't have to use ... |
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| A resteraunt I go to is charging me a fee to use my Visa card!!!? |
| A resteraunt that I visit frequently (which will remain unnamed) has always charged me a "convinience fee" for using a debit or credit card. I didn't think anything of this, as I'... |
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| We see it al the time on tv. You seem to be able to assign your cards to other people to use whereas we just can;t do that in the UK unless you have a joint card holder.. even then that person has to ... |
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| my parents have been telling me that I need to be at least 15 to get a debit card I rly want to know thnx.... |
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 How to payoff a $900 Dollar Debt w/ 20% APR? |
I basically have a 900 dollar debt, with capital one, and my interest is way to high its like 20%, meaning I pay an extra 10-15 a month in interest.
Do you think if I call them, they will ... |
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 Can you be jailed for an unpaid loan or other debts? |
| So I took out a payday loan because money has been really tight and I have been trying to get money matters fixed. I have had the option of requesting more time every 15 days so far and had to pay ... |
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NANEKAH G | How do I improve my credit score? |
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huntingrl
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1. Pay off bills on time.
2. Pay off credit cards on time and in-full when you can.
3. Keep only as many credit cards as you need. When you stop using one, don't just cut it up -call to cancel it. Otherwise it stays on your credit report. Too many unused cards shows poor credit responsibility.
4. Don't request your credit report more than once per year (yes, requesting your score can reduce your points).
5. Take out loans when appropriate and pay them back.
6. Remember that credit is something that is built over time. It develops over a period of "borrowing" and paying back responsibly. Generally, smart spending habits will build good credit. |
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sweetvalenciagirl
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10. Learn what your current FICO® credit score is and what appears on your credit report. Score Power® gives you immediate access to your Equifax Credit Report™ and includes your current FICO® credit score.
9. Don't open new credit cards that you don't need just to increase your available credit. This approach could backfire and actually lower your score.
8. Try to keep your total account balances as low as possible. High outstanding debt may negatively affect your score, as you have a greater chance of missing payments.
7. Correct any incorrect information that might appear on your credit report. Visit Fixing Errors on Your Report for more information.
6. If your credit is severely damaged, or you have a very short credit history, there are still ways to improve your credit over time. Consider opening new accounts responsibly and paying them off on time.
5. If you fall behind on paying a bill because of illness, unemployment, or family issues, write a short explanation to the credit reporting agencies. They will add it to your credit report. Also, call your creditor to explain the circumstances and, if possible, work out a payment schedule you can meet.
4. If you need help managing your credit, contact a reliable nonprofit agency, such as:
Consumer Credit Counseling Service (CCCS)
800-388-2227
www.cccsintl.org
3. To minimize the number of inquiries on your credit report, don't apply for multiple credit cards over a short period of time, or for a card you're not likely to get. Apply for new credit accounts only as needed.
2. Make all of your payments on time. If forced to miss a payment, be sure to pay the following month. Accounts more that are past due will be indicated on your credit report. If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your score.
And the number one way...?
1. Continue to check your credit report regularly, charting your progress along the way. Get your FICO® score and your Equifax Credit Report™ today with Score Power®!
https://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=elearning_credit23 |
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seun u
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pay the bills on time |
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todd
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The quickest way is to pay off some credit card debt.
Focus on your credit cards that have the highest % of debt relative to their credit line and start paying them down. I have been told that keeping a steady balance of greater then 33% of the total credit line on one card can be a negative on your credit.
Other then that, just use credit wisely and ALWAYS pay your bills on time.
Opening small credit accounts in stores is a quick way to build up credit if you have no previoud credit history. |
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Rainy
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pay off debts, don't carry credit card balances from month to month pay them off each month, always pay on time, Close accounts you do not use. |
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Jen G
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Improving your credit score will take time. It's not something that can be done in a week.
1) Pay off all debts that you may have.
2) Keep current with all loans and credit cards - if you got behind, it will take a while for those to come off your credit report and not affect your credit.
3) If you have credit cards that are paid off, DO NOT CLOSE THEM! Buy something small, then pay it off each month. Having a credit card, keeping up with the payments and keeping it in good status will improve your credit.
4) Get all paid off debts off your credit report. They are paid off, so they shouldn't be on there - no reason to keep them on there. You can get the contact info and write them a letter, certified with return receipt, telling them that it has been fulfilled and you want it removed, and it should be done in 30 - 45 days.
Good luck! |
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David H
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- Satisfy debts for full balance
- Make your payments on time religiously
- Don't let things to go collection
- Always pay more than your minimum
- Follow up with past creditors to have previously fulfilled or delinquent lines of credit removed. You can achieve their contact info on the back of any of the 3 reporting bureaus' reports, and by law, they must remove past lines by request within 45 days of your request for them to do so.
Hope this helps. |
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nebula7693
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In my opinion, there are two aspects involved with improving your credit score. Since you did not provide any specifics, I am going to have to give you very generalized information.
The first part of improving your credit score is doing the usual things like paying your bills on time, keeping the balance on your credit cards under 50% of their limit, and all the usual standard advice that these other nice people have provided you with. They all have given very good advice.
But that is only one way to manage your credit properly. It is passive and will only take you so far. The other part of raising your credit score is by taking an active part in your credit management. Check your credit report no less than once per year, though I personally recommend every three months. Challenge everything on your credit report that is negative, no matter what it is! Don't worry about if it is legitimate or not, challenge it anyway. If the credit reporting agencies can't verify the information within 30 days they have to remove it, period. So you may be able to get even legitimate negative information removed. There are other ways to go about it, too, but you have to know the complexities of the Fair Credit Reporting Act and the average person does not.
If positive information is not being posted to your report, contact the creditor or lender and find out why. Ask them to report your information. In most cases they will be willing to do so.
So it is important to remember that the two tiered approach to credit management (passive and active) is the best way to raise your credit score and KEEP it raised. Remember, if your credit score is under 720, you need to work on it.
If you have any questions regarding credit issues you may email me at nebula7693@yahoo.com |
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Sharnee
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Pay your credit card balances every month if possible, or make the more then minimum payment. It will take a while, but credit card companies will increase you credit limit which will help.Do not close any credit cards unless they have been lost or stolen. The more available credit to debt ratio the better. |
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shyandquite
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You do not have to pay off your credit cards that is a common mistake. You need to pay your min every month and keep your cards with 75% of thier limit as soon as you go over that your credit score will drop. Do not cancel cards as they then don't report on the bureau. Also do not apply for new cards or anything that require a credit check and your credit score can drop when inquires are made. Hope this helps |
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