 How can I repair my credit history on my own? |
| any suggestions, advice or ideas would be appreciated.... |
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 Credit report question? help please!? |
| ok so a little under 2 months ago I paid off 2 charge offs with 1 bank. But only 1 credit bureau (Experian) has it as paid. Transunion says derogatory, and Equifiax says charge off. Aren't ... |
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 Does anyone know where I can get a credit card with poor credit? |
| I just got out of bankruptcy and my credit needs rebuilt, but I cant seem to find anyone to give me an unsecured credit card.... |
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 My first credit card.? |
| I'm 18 and still in highschool but I've had a job for the past year. I applied for a credit card a couple days ago and got approved for a $500 line; my whole plan is to buy one thing a ... |
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 I am 19, and honestly am in credit card debt, my questions are below.? |
| Ok, I stupidly applied for two credit cards, which I should not have done. One is a Trump Visa, and the other is just a regular Visa both through Chase Card Services. Both of the cards are either ... |
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 Why is my check on hold? |
| i am currently banking with wells fargo and i deposited a check from allstate insurance company for $6500.00 and they put a hold on it and gave me $100.00 of it... now i know that the check has ... |
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 How long does it take to get negative items off your credit history? |
Do they just disappear after a certain number of years? I've heard that and never knew. I actually don't have any on my credit, thank God, but I'm just curious.
Thanks. =)... |
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 I have run into financial trouble this year, and collection agencies are threatening me.? |
| Do collection agencies normally file judgements and if so, are they mostly on larger balances, or do they just normally carry them as collection items? I have one or two credit cards that the ... |
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 How long after I pay off my debts will it take to improve my credit score? |
| I have about 12000 in debt that I will be paying off once I sell my house. I am probably about 5 months behind on payments. How long after they get their money will it take for my credit score to ... |
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 I overdrew on my checking account any suggestens? |
| I had overdraft protection but my bank took it away from me because of deluncancy, i thought I had it re-instated but tehy inturpreted me calling them for a new card as if I just wanted a debt card. I... |
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 I pick up a credit card? |
| I pick up a a Lowers credit card yestday (July,19 2006) and I do not who belongs to. sould i keep or give it back?... |
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 Are there any free paid survey sites for 13 yrs. old and up?? |
| are there any free paid survey sites for 13 yrs. old and up that don't use points but cash instead??and that are not scam??..and for free??... |
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 Should I file Bankruptcy or Not? |
| I have a total of $10,000-$13,000 unpaid, charged off, bad debt in total. This amount is for Bally's fitness, Phone bills, small credit cards, small medical bills, unpaid rent, department store ... |
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hkropog | My credit score is at 680, but I need it at 700 to get a mortgage loan. Any way to raise my fico score fast? |
We need to close on the loan by Feb. 1st. We are selling our house and paying off our debt with the proceeds from our sale. Will this raise our score? Would it be better to pay off credit cards (we have two with $1400 balance each. Or pay off two bank loans (one for a car and one for a consolidation loan)? |
 |
 
Bret S
|
One thing to remember if/when you pay stuff off (mainly credit cards) is even if you pay a card of so you have $0.00 outstanding that cad will still be looked at as potential debt, so say you have a $5000 limit & you pay off the $1400 you still have the ability to get $5000 more in debt after the home stuff goes through.
If you have more than 2 or 3 credit cards consider closing them so it will not be seen as potential debt, if not then pay them off & lower the credit limits to say $1000, Even at 680 it's a pretty good score so even a few months after the home stuff happens yopu can have the limit raised back up again.
That may help a bit. Also remember the places that report your credit only do so about once a month so even if anything does change you may not see any change for 30-60 days.
Oh and dont pay anything late, miss payments etc
In addition:
Due to the two silly fools below me I guess I should mention I work for the 2nd largest bank in the world.
Keeping multiple empty card open is of no help in any way at all. It just show you can get in more debt as soon as you like & that does not look good for credit. As for raising the credit limit well thats just stupid for this persons situation. Not only will you then get more enquiries on you credit report (another bad thing) but it then shows you can get into even more debt. |
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Lindsey M
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you should keep old credit cards open once you have paid them off, use them sparingly and pay bills right away. This shows creditors that you have kept an account open for a long period of time. Just don't have high balances on them. |
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pamperd_prinses2001
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don't close 0 balence credit cards. that person is wrong. if u show u have paid those then that is a good thing. |
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kwsnbrg
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also, ask your credit card companies for a raise in credit limit, this will help your ratios. |
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Dee
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Pay down all your credit to 1/3 of the open balance, if possible. Don't close the accounts, just pay down. Don't pay off charge offs, it wont effect your credit score. Don't close open account w/ out balances. They raise your credit scores. Its all based on ratio of credit available to credit used.
Hold of on new credit as inquiries can adversely effect your score. |
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In love 4ever
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that is a good question.....maybe you should talk to your bank they can help you with that! |
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princessogt1
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To raise your credit score you need to pay off some loans. My step dad is kinda in the same boat expect he is looking to buy a building for personal use. He had to pay off some loans and his credit card dept. Then the bank told him not to use his credit cards until after he gets the building. Well hope this helps. |
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iMaTwin
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you need to close all your revolving accounts. they are accounts that may be a zero balance, but you can use at anytime, such as credit cards, sears, jc penny ect. go on line and pull up your credit, and see how many you have. there may be some you didnt even realize you still had. call the company of the credit card and close it. it will automatically show on your credit score. revolving credit is the worse thing on your credit score. |
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