 Can you build credit with store credit cards? example: Department store credit cards? |
| I was wondering if you build credit using store credit cards? I have one Visa Credit card and about three different store credit cards, like a Macy's Department store credit card and a Banana R... |
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 When applying for a home loan do husband and wife both need good credit scores? |
| i ask because when we started the process i was told i had no credit score and my husbands score was only a couple points off.... |
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 Want a credit card, have no credit...? |
| I did not get a cc in my youth because I didn't want that responsibility when I was so young. Now that I am older I would like a cc but I was just denied because I have no credit history. If ... |
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 I owe $14.00 but I shouldn't pay it, should I? |
A little history on the matter:
I opened up a Disney rewards card back in 2007 which I never used until almost two years ago. I screwed it up really bad and went over my limit and was ... |
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 So what do I use it for and how do I use it? |
LMAO that's what she said
srry couldn't resist. :p
anyway, for my birthday my auntie got me like 4 visa gift cards, each one has 50 bucks on it. ther still all in ... |
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 What Happens When You Call To Activate Your Visa Debit Card? |
| What do they ask you? is it easy? or should i just go to an ATM to do it?... |
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 can i transfer my capital one card to some1 else? |
| i recently got a capital 1 card and cant believe the charges on it u even get charged 3 pound for withdrawing cash which is more than an ATM machine so i was wondering can i apply for a credit card ... |
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 Are the Visa Debit card acceptable? |
| I have VISA Debit card and when i opened few websites for buying some things but when i cash out my cart and when I saw the payment information, i saw please enter your credit card number but there ... |
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| Must returned credit card purchases be paid for if bill arrives before credit appears? |
| Let's say you buy an item for $400 and $200 online using a credit card. Then, you mail the items back to the company, and the company says sorry, you won't have your refund for 4- 6 weeks. W... |
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 Mortgage/loan question...please help.? |
| I live in a rural area and own approx 2 acres now but will eventually inherit 30 acres. My husband and I built a modest size home on the 2 acres approx 4 years ago..now we have 2 kids and much ... |
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 I have a pay pal account? But it is not activated? |
I have a pay pal account but I doesn't having a credit card.....! So how to activate my account?
But i am having a Bank account in Indian Bank... SO someone please guide me how to activate ... |
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| Has anyone tried NationalCashline.com for a payday advance.? |
| I need a few pounds to get me through till payday. Any advice or recommendations for other services would be welcome.... |
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 Is Sallie Mae a reputable Online bank? |
| I have read about them some, and as far as student loans go I customers are unsatisfied. But I plan on opening a High Yield Interest account or buying a CD. My question is, is Sallie Mae reputable ... |
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 How do you look free credit score or report? |
| How do you look free credit score or report? Is there a way to get a free credit score?I tried but they only offer a "Free Score",then money to ... |
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 How can I do to see free credit score or report? |
How do i see free credit score or report?
Is there a way to get a free credit report?I tried but they only offer a "Free Score",then money to ... |
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 what is a liability with examples? |
| can any one explain what is liability????with examples......if i have a credit card with a bank and i have to pay 1000 dollars which has a limit of $2000....what is my asset and what is liability ???<... |
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 how to get these peoples to stop calling my job bout a payday loan? |
| i am having the some problem i have never got no payday loan in my life but they got my job number they had my cell but i got a new phone not the same number it is crazy.at home i donot have to ... |
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 If a person was gunna commit suicide, why not max out their credit cards and co-sign for loan applications? |
| Think about it. If a person if over the age of 18, has no family ties to anyone and was planning to commit suicide, why not co-sign for their good friend's car loan, max out their credit cards, ... |
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uwillneverholdacandle2me | Need help with credit score question? |
How much can your credit score go up a month also in a year?
How can some one raise their credit score in a year? |
 |
 
Marx
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There really is no limit on how high your score can jump in a month, depending on what you're doing in these three areas: 1. Maintaining your current credit, 2. Adding new credit, 3. Deleting negative credit marks. I've seen 50 point jumps in a month, depending on the circumstances.
If you really want to learn how to handle your credit like a ninja, go to this site. The credit forums are amazing:
http://creditinfocenter.com |
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bdancer222
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For the most part, scores do not change that much in a month. They might fluxuate a few points from one month to the next but unless you have some major change (like defaulted accounts or a new mortgage), you are not going to see big changes.
Carrying credit card balances of more than 30% of your limit hurts your score. Pay off the balance and your score rebounds. That is the only way to get a quick score boost.
This site has good info on FICO scores: http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx |
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tudorjason
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Credit scores are different for everyone because it depends on the types of credit they have, how much credit they're using, and how much their limits are. So it would be difficult to determine how much a score will go up in a period of time.
The best way to get a big jump in a score is by paying off a significant amount of unsecured debt, like a credit card. I once paid nearly $5,000 of credit card debt in one year and my score went up by about 100 points. It didn't happen all at once so it doesn't have to be, but it could if you just happen to get a large sum of money somehow. |
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Skull Boy
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You can raise it considerably in a year, and depending on your situation, it is possible to boost it in 45- 60 days. Here are some obvious things you can do to raise your score:
Make sure you have a minimum of 3 trade-lines open (credit accounts open and active).
Close any accounts that have zero balances and that you are not using.
Pay all of your bills on time.
Clean up any negative credit (I'll discuss how to do that later).
Make sure that none of your credit card balances exceed 30% of their limit.
Something you can immediately do in regards to the 30% balance thing is transfer any high credit card balances to other credit card accounts that have very low balances. You want to spread your credit card debt so no card exceeds 30% of it's limit. That will have an immediate effect in boosting your score. Also, always pay down your high credit card balances first. Basically, you want to avoid carrying a high balance on any credit card account if you can.
In regards to cleaning up negative credit, this is done through a dispute process. Federal law requires that all three major credit reporting bureaus (Trans Union, Experian & Equifax) must allow you to dispute any bad credit on your report that you think is a mistake. In turn, they must contact the creditor and require that they respond to your dispute within 30 days. If they don't respond in time, or if the response is unacceptable, the credit bureau must remove the bad credit. Often creditors don't respond in time and fail to follow up with the bureau, so the bad credit comes off. There is a whole method to doing this that involves multiple letters to the bureaus and is designed to trip up the creditors and cause late responses on their part. Credit Repair companies are experts at this, but it is hard to find a good one that will really work on your behalf. If you decide to use one, ask about there process and have them give you a list of happy customers you can contact. |
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