mister ed
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do what poster one said but do not cancel the card -- each month buy say 30 dollars worth of gas and when the bill comes paid in full and aheard of schedule!!! |
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JayneDoe
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you need to have three active credit lines at all times with a SUPER payment history on all of them (no 30 day lates). contrary to popular belief it is NOT good for your credit rating to be debt free. no credit lines are = to bad credit!!! i would suggest getting yourself some small lines of credit on credit cards and making the payments on time. you need to have consistent credit lines for a minimum of one year before your credit will be effected! best of luck |
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Blossomo
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Just wanted to say congratulations! Paying off your debt is a huge accomplishment!!! You should be totally proud!
Use your credit cards instead of debit cards. But always, always, always pay them off every single month in full. Also, be absolutely meticulous about paying your car loan (and if you have one, your mortgage) on time. |
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Jennifer
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Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate. I came across this company on NBC News Special Edition.Check it out here:
http://memurl.com/furetu |
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cdrates
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Read this article, the site lists several tips on improving your credit score, http://www.monitorbankrates.com/how-to-build-maintain-and-repair-your-credit |
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lesliejayebythebay
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You're not going to like the answer because it's a paradox. You need to use your credit cards, but, always pay them off, that will increase your Beacon Score. It has to do with how much open credit you have, how you've used that credit, and how much you have available. I know it sounds crazy, but, that is what your score is based upon. I'm not saying you can't carry a balance--you can, but, it makes better financial sense not to because of the high interest. Good luck! |
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kate
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1) review the reports to make sure there are no other errors or accounts from ID theft .
2) apply for a credit card but never charge more than you can pay off when the bill comes .
Part of your FICO score is the debt to available credit ratio . . .
Desirable is low debt but higher available credit .
Like you have $10,000 in limits but less than $100 in debt .
3) closing cards Lowers your available credit so it makes the ratio bad and actually Lowers your FICO .
There is lots more but that is sort of a starting point .
good luck
> |
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Arthur A
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If your debts were ever late, that would make the difference, or credit was denied to you . Even if you paid all your debts off it could be because of your credit history.Try writing to TRW and asked them the reason. |
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Eg
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get credit cards.Buy something little and pay it and then cancel it.keep on doing that and it should do good.That is what my math teacher told me. |
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