I am currently a college student with 2 checking accounts (Wamu- 3 years & BOA- 1 year) and 1 credit card (Citi- 1 year). I have always met the requirements for my checking accounts and paid all ...
The car I own now is being financed by my mother. I want to trade it in and get a new car. My question is, can I trade in this car and have them pay it off even though the new car I am purchasing ...
I keep trying to figure my problem out, without telling all my biz. Ok, so I want to consolidate my bills. They are NOT credit card bills, however. They are bills that fell past due and came about ...
I ate at a restaurant like five months ago and they are just now posting my charge to my check card, can they wait that long? Is that charge still valid? should i dispute it?...
Do CC companies really hire law firms to sue people over unpaid cc debts less than $2000?Some law firm from UTAH called my mother's answering machine left a rude msg that they are going to sue ...
When I was 18 I got a credit card and went over the limit and owed $1000. I never paid it back and it was even dropped from my credit report. All of the sudden I get a letter from a collection ...
I ruined my credit in college and as a result I have about $10,000 in debt. Most of the accounts are in collections, charge offs, or past due. The only thing positive on the report are my student ...
Does anyone have any ideas of who might approve us for a car loan when we are in the middle of a chapter 7. Most if not everyone say we need to wait until we are discharged. Thanks for the help....
I screwed a cell phone company for $646. What effect will this have on my credit report, Is it real bad? Cant be as bad as a credit card charge off....
How long does it take for your credit score to improve?
I want to buy or finance a car but my credit wasn't good. But I've been paying my bills on time and some things should be gone from my credit by now. It was three months ago is that to soon to try again?
its very easy to get crdts ...........
i had got from this source which may also helps you
Pravda
First, you need to purchase a 3 in 1 credit report so that you know your score and you have a starting point to make your battle plan! If you want to learn ways to improve your credit then visit http://www.thecreditrepairmanual.com
JL
It takes years to build credit but if you have anything bad on your credit report it takes 7 years for it to be removed you can also challenge things on your credit file and if they don't respond it will get removed from your file and you can get a free copy of your credit file from consumer credit reporting companies: Equifax, Experian and Trans Union. if you haven't already at this website www.annualcreditreport.com
howardnagle
yes
mfas72as
I think it is too soon to try again you will be given a higher rate based on your not so good credit. You need to be patient and give your credit a time to be good enough to qualify you for a better interest rates.
Good Luck.
beccasmom99
It took me almost a year to build up a good score and then (out of the blue) a judgement showed up on it. 120 pts right off the top! I was able to get it vacated - but it's taken me another year to get back up to where I was when it hit.
Just keep paying things on time. Washington Mutal was my first credit card when I didn't have much credit and they offer free credit score monitoring every month. You might check with them about getting a credit card (secured or unsecured - depending on your situation).
Louis G
It can take years to build up credit. A missed payment will effect your report for several years. The legnth of your credit history also effects your score. Just continue trying to maintain a clean credit history and save up your money. I would check your credit score maybe once every 6 months, possibly once a year to see if it has improved. Strangely enough, making repeated credit inquiries can negativly effect your credit score.
iceman
It depends WHY your credit is not good. If it is a question of having bankruprcy or collections on your report it can take a long time of good credit management to get your score back up.
If you simply have lack of credit history, or too much debt then you score can raise alot faster by simply paying off some bills.
Maggy G
The below website contains valuable information related to your question:
sunbun
it takes 7 years for negative information to fall off your report...however, good information can remain forever
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