 What the quickest way to repair my credit. I currently have a 530 credit score.? |
| Hello to all. I am looking to raise my score to the 775 as soon as humanly possible. I understand each case is different, but would value any general advice out there. Thanks for your time guys.... |
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 How can you get a loan for $4000 when you have limited credit experience and no collateral? Is this possible? |
Additional Details
I do not have bad credit just no credit!!! I do not have a cosigner available and I do not have a mortgage(remember NO credit).
My mom is financing a house for ... |
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 Best credit card to get with excellent credit? |
| I have 'excellent' credit ( 780-give or take a couple points depending on bureaus). I want to get another credit card because as of right now I only have one (when I was younger, I was ... |
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 Credit Card Question? |
A hotel charged my credit card when I requested to pay cash. They said they cancelled the charge cuz afterwards they accepted my cash..is this going to appear on the credit card record?
A... |
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 Has anybody taken surveys online and actually got paid? |
i am 16 years old. and i need a job badly
i was wondering if any ACTUALLY USED a site and took surveys and got paid.... |
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 Is it bad to pay your credit card before the bill is due? |
| I often pay my credit card mulitple times during the month instead of making one big payment when the bill is due. If there is a balance due for the statement, I always pay it on time. I was just ... |
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 How do you rent or buy a house or a car with no credit? |
hi,
I'm 22, and I would really like to know if it is possible to rent or buy a house or a car without any credit? I have no credit whatsoever, I only have a debit card, which works ... |
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 Wages on time.? |
| can an employer change from month to month what day he/she pays you.... |
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 The interest rate on one of my credit cards was recently raised from 9% to 23%. What are my options? |
| Like a lot of us, I am trying to dig myself out from too much credit card debt. I have a monthly budget and have been paying down balances as I can. Recently, one of my cards increased my interest ... |
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 If i don't use my credit card, will they close the account.? |
| i have a cc that i haven't used since i've received. i do plan to use it at some point, but i'm young, the cc line isn't alot, so when i use it, i want to be smart about it. I ... |
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 What is the full form of EMI? |
| % EMI for purchase of some goods.... |
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 I am 26 years old and married, my husband and I have not very good credit, what to do? |
| Not good credit, no saftey net, two young kids, want to buy a house. What steps do I take, where do I ... |
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 What happens if you don't pay your creidt card debt? |
| I am sitting her sick and tired of paying this ******* and getting charged 30 percent intrest I have 20k that i owe to credit cards AND my payments are like 650 bucks a month and that fu"kin ... |
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 Can i get a credit card when i have no credit? |
| do you know any websites where i can apply for one?... |
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 Does anyone know where I can get a loan with bad credit?? |
| There are tons of websites, but I'm not sure which ones to trust? I need it for a studen loan actually, HELP!... |
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Lovin28 | How to rebuild my credit? |
I have excrusiatingly horrible credit. (Financial blows such as unemployment, medical and stupidity)
How can I work on rebuilding it? How long can I expect it to take before I have good credit again?
Additional Details
And please do not tell me to "cut up your credit cards" duh...I've already done the obvious.
I need real advice on what to do to rebuild it. Thanks! |
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jpocia03
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1. Goto myfico.com, and download the free pdf. It will explain alot of information regarding your fico scores and the credit reporting system.
2. Goto annualcreditreport.com, and obtain a free credit report from each of the three bureaus. Experian, Trans Union and Equifax. You'll need these to review to make sure items are reporting correctly on your report.
3. Goto http://homebycountrywide.com/files/docs/DisputeLetter1.pdf and read the dispute letters. If anything was reported to your credit in error read below:
To dispute an item on your credit report you must submit to the credit bureau in question the following:
1. A dispute letter detailing why you believe the item in question is reporting in error. You will need to list the tradeline, the account number the company and any appropriate dates that this tradeline was reporting.
2. A copy of your credit report from the bureau, with the tradeline, and other information highlighted.
3. Cross your fingers and wait. The credit bureaus will send to you via snail mail or email a follow up to your dispute.
The credit bureaus contact the creditors to obtain information. In most cases, depending on how old the tradeline is, the company in question:
a) will not have the information on file, and therefore the credit bureau will need to remove it from your credit report.
b) will not respond within 90 days, so it is automatically removed.
c) will have the information and will contest your dispute.
Then if you get all of those things settled, refer back to myfico.com pdf and start to read again.
Good luck |
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Aneesa M
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Open an RRSP! It shows some form of financial stability! Keep paying bills regularly.
Depending on how bad your credit is, it can take anywhere from 6mths to a few years in order to rebuild your credit! |
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stoove
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Simple. Get some sort of credit and pay it back on time. |
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Ryan
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Unfortunately, it takes a couple years or even more depending exactly how bad your credit is.
To rebuild it, start with little things. Pay all bills on time. Put all your daily purchases on a credit card rather than debit or cash. Then pay off the credit card every month so there's no interest.
If you are going to buy a car or something big, find a cosigner if you can, then bust your butt to pay it off. Paying off a car I bought was probably the biggest increase to my credit score yet.
Just be patient and diligent. It is not going to happen over night. |
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♫ttc-crazy)♫
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Today i spoke to a loan specialist, because i did the same. She told me to do debt consolidation to clear the record of debts & then start "semi-fresh".
I recommend debt consolidation, i've seen a lot of people do it.
Bankruptcy is another possibility..but it's so much harder these days.
I hit done by accident, and then get a secured credit card, you put the $ as security & then for a year you pay it every month & once you show them you're in good standings, they give you the $ back.
Good luck! |
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Jennifer H
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Try 1-866-923-3281 Managable Debt Solutions. They fixed my credit in 3 months. Tell them Jennifer Sent you. |
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jo-jo
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After you have started paying bills on time it takes 7 years for negative stuff to fall off your credit report. Get your report from all 3 major credit burrows. If 7 years has passed request it to be removed by contacting the credit burrow that you received the report from.
Always pay your bills on time. Even if it is just the minimum payment! If you ever can not pay a bill contact the company or business you owe and explain the situation. Many times something can be worked out before they hit your credit with collection agencies! |
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cosmoe o
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Fixing your Bad Credit with 5 Easy Steps
Having bad credit and debt can be very stressful. Realizing that you are in debt will bring you closer to your solution. Here
are some simple steps you can follow to change your bad credit around
http://www.easy-creditcard.com/credit-card-articles/fixing-your-bad-credit-with-5-easy-steps/ |
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KKup
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repay debts.
time (the longer time passes, the better your score gets)
don't open new accounts
don't charge things on the cards
don't close accounts
Those are all things that will help your score. Time helps because in 5 to 7 years, things you do today to hurt your score (like slow pay) will go off your credit history. opening and closing accounts affect your score. The ratio of debt to credit limit hurts your score if you are half or more full on cards.
stay away from debt consolidation companies, they are dangerous sometimes and don't really speed things up. Don't believe people that say that they can clear it up quick. It sounds nice, but doesn't work.
Time... just give it time...
Don't open up new accounts. |
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J98
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Purchase a small jewlery payment and make them on time each month. they report it to the credit bureau and will help build positive report. |
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Brawling...
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by shopping a lot. thats what my mom did. oh and please answer my question here: http://answers.yahoo.com/question/index;_ylt=AgIHsJMlyWM0p5xk8PT_mdjsy6IX;_ylv=3?qid=20080620110706AAfbKJU |
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