 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 ... |
|
 Trying to buy a house with bad credit? Where to start? |
| My wife and I are loking to buy a house very soon. I have pretty bad credit (550) and tired of paying rent. I have a three year old and one on the way. The apartment arent big enough for the four ... |
|
 I desperately need a payday loan of £750, I earn £14560 a year.? |
| Does anyone know any UK online companies that would accept me, or accept anyone? Preferably with a lower interest rate.... |
|
 Credit Score ???? |
| there are three CRA'S if I get my score will they all be the same,if not do I need to get all three and go with the highest one. I 'm thinking about a new car and house financing for next ... |
|
 Baclaycard debt sold to debt Collection company? |
hi jonny
I was owing Barclaycard about £3900 12 years ago. since woolwich PLC was purchased by Barclays ny details have now been passed to barclays. barclays has now sold my debt to a company ... |
|
 I have three credit cards. 2,000 balance 1800 and 1700. All with at least 30% rates. What do I do? |
| Many late payments and actually still getting late fees because I am over the limit but have been on a plan with all of them for a couple of months. would like to pay them all off with a lower ... |
|
 How do you endorse a pay check w/ no bank savings account? |
| The bank is closed and i need some money..but know one in my family has the money on them.... |
|
 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.... |
|
 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 ... |
|
 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 ... |
|
 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... |
|
 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.... |
|
 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 ... |
|
|  |
Maya | Incease in credit score? |
My current credit score is 650. If I pay my bills on time for 2 months, do not apply for ant new card or loans, use only 25% of available credit, will it increase to 700 by the end of december? |
 |
 
Sfc Army Dog
|
No.It hasto be used (credit) to increase the score. |
|
Amanda H
 |
No. 2 months is not enough for it to move upwards like that. There would have to be significant chnages-- like major paydown of balances-- to up it 50 points.
Pull your credit report from all three bureaus and see if there is a single bad thing on there-- then dispute it. Old collections, late pays, etc. Some companies are just nice and report 0 late pays and some collections just dont respond to the dispute and it disapears. That's the only way you'd get that significant of a change.
YOu dont tell us what factors have you at a 650, so we cant know if what you're saying is enough to change it. Why is it low? Not enough hisotry/accounts? Old Late pays? |
|
melspur82
|
Very doubtful, but possible. There really isn't anything you can do to definitely raise your score so quickly. |
|
Angel
 |
That is really unlikely. You have to maintain good credit for a period longer than 2 months for your score to increase that much. What you would need to do is pay off some of those credit cards, keep just one card open with a constant balance that is always paid on time. That will increase your credit score quite a bit, but it is done over time.
No offense, but bad credit is easy to get (not that your score is low at all, mind you), but good credit takes a lifetime to make/keep. |
|
Deb
|
First let me say that I am a loan officer and I have been for 12 years. I have to say that it depends. It depends on why your score is 650. Is there collections, bankruptcy, recent slow pays, numerous inquiries? If so, it may take more time than 2 months for your score to improve.
If it is because you are close to your credit card limits, then that is something that can be improved in a short period of time by paying down on the cards. If it is because you have limited credit experience than maybe use one of the pre-approved offers I am sure you get in the mail.
It all really depends on why you are needing your score to increase so quickly. If it is for a mortgage than you can get a conventional loan with a credit score of at least 620. There are just so many variables to take into consideration that it's hard to give a definitive answer.
I hope this has helped. |
|
From ABOVE
|
take at lease a year of good credit to increase it |
|
pink_me
|
have you heard of adding tradelines? you can find that one at this resource..I hope you find it useful to you too!
http://www.newhorizon.org/Info/credit-improvement-articles.htm
have a great day! |
|
R F
 |
Not a chance |
|
Juanita
|
Your credit score tends to increase after a substantial amount of time. Try paying your bills for a year and not applying for any more credit. Then you'll see a change. |
|
steve s
|
It should increase your score to over 700. The best way is to pay your debt on a bi-weekly basis. This has been the fastest way to increasing your scores. I have seen it done with alot of my clients and their scores jumped over 60 points. I can't promise it does that for everyone. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
12 | 6 minutes(s) ago
| | | |
11 | 21 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
12 | 3 hour(s) ago
| | | |
10 | 6 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
11 | 1 day(s) ago
| | | |
11 | 4 day(s) ago
| | | |
11 | 2 week(s) ago
| | | |
11 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
