 I need serious help here!? |
| It was just last year ago, March 06' when marketers offered me a getaway trip. Then i decided to cancel it after 4 days. Until then they were having problems refunding me the money. My bank ... |
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 I've consulted an attorney and decided to file bankruptcy, so can I still use my credit card? |
| My dad just consulted a bankryptcy attorney and decided to file bankruptcy. So can he still use his credit cards (Visa, Macy's, Bestbuy)?... |
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 Denied for a secured credit card? |
| I'm a new resident and have zero credit. To build one, I applied for a secured credit bank with Bank of America. I set up a savings account for $500 and that was supposed to be the card limit. N... |
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 Victorias Secret Gift Card/Credit Card? |
I am making a purchase off of Victorias Secret, and I'm using a gift card. It won't let my buy anything though, unless I enter my credit card number.
Will it take the money off of my ... |
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 Feel Pretty Dumb..Need Help..? |
| I just took my Son to buy some New Wrestling Shoes and used my Visa Credit Card...I signed the Receipt and I just discovered that the gentleman behind the counter not only gave me MY Receipt but also ... |
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 How does one acheive a credit rating and or remove bad credit? |
| Over the years, I have not had many debts. However it seems that the tiny amount of debt I owe seems to haunt me. I had a 300 dollar limit credit card, lost my job about a week after almost maxing ... |
|
 What is a perfect credit score? |
| And where can I get a free credit report ran? I think last time I got my score, it was an 827. Is it out of 1000?... |
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 I'm on benefits, how does bankruptcy work for me ? |
| i want to go bankrupt but dont really understand it, could somebody help me ... |
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 Do any credit cards prevent you from paying off your debt in full in one month's payment? |
(a kind of early repayment penalty as with mortgages)
ie. Most have a 'minimum payment', has anyone heard of one which imposes a maximum payment?... |
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 What is best credit card for college students with no credit history? |
| i'm planning to apply for a credit card but i have been declined from one (american express blue for students) and i'm not sure which one is best for me since i believe some of them require ... |
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 I bought things online before i was 18, am i obligated to pay? |
hello,
i purchased a bunch of items online through abcdistributing and ltdcommodities when i was 16 or 17, a couple hundred worth, buy now pay later sort of thing, they won't stop calling ... |
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 Where in the UK do people find loan sharks? |
| I mean really sharky sharks, the dodgy type?... |
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 Why do i need a social security card? |
| i got a job offer at my school today but she wants me to bring in my social security card . i have a social security number. i went to the social security office did the paper work but have to wait ... |
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Savannah35AZ | What's the most effective way to clean up my credit /score? |
Besides paying everything off, not charging too much etc. What else in the meantime that may be helpful???....Any tricks of the trade you have learned over the years on erasing things on reports, and/or demanding companies to change things that has adversely affected your score??? |
 |
 
coreys1247
|
Yes,
Piggyback someone elses credit : http://www.expert-credit-advice.com/building_credit.htm Read......
Also, dispute everything until they go away...
Do it yourself for free: http://www.expert-credit-advice.com/free_credit_repair.htm
Pay someone to do it for you: http://www.expert-credit-advice.com/credit_repair_service.htm |
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gabrielbowers
 |
It depends on what your goals are. Paying off loans and credit cards will raise your score significantly. If you have too much debt in various places, a consolidation loan is almost always the best strategy towards paying them off.
When you get a consolidation loan, you can make a habit of just paying the interest on the loan then put 25% of your after-tax income into a money market fund. This will build up very quickly over a period of a few months. You will get a history of saving money (which will help your credit) and be able to pay down your consolidation loan at the same time.
If you're new to the country, then its worthwhile to take out small loans $1,000 to $5,000 and pay them back quite quickly. Another thing to do is sign 1-year memberships at gyms (if you're going to go to one) or 1-year leasing agreements for an apartment.
If you're thinking of repairing your credit with the idea of buying a house, you should consider a credit repair agency. They might cost $10,000 up front however they might raise your score from 700 to 800+ by the time they are finished. This might contribute to you saving up to $10,000+ on your mortgage payments each year. |
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It's me _ that dude
 |
www.myfico.com/Offers/myFICO_UYCS booklet.pdf |
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Photographer
|
well, dont apply for the "no interest or payments until 2009", mostly done for furniture or cars.They are mostly financed by Time Company and since they are taking such a risk on the loan, they lower your ficos, up to 40 points! By the time, 2009 comes, you will pay the original loan plus accumulated interest. Dont apply for a 1.00% mortgage loans either. You end up increasing your original loan amount and it would look like you are maxing out your mortgage. |
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Gary
|
the most effective way is no late payment.
there is no free lunch in US, you pay now or later either way just personal preference. |
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â†Shea→
 |
Pay your bills on time. Thats a big one. I never know how much that mattered until I started doing it. All you can really do is go forward. If you get credit cards keep the balance down and pay them off right away. Personally, I'm not a fan of credit counseling but I've heard it works for others. There are several books you can get either at a library or a book store that will give you more advice. Good luck!! |
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peg
 |
You pretty much answered your own question. Pay when you get the bill, all at once if possible and keep that up. Keep maybe two credit cards and just keep up the payments and never be late. |
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creditwise
|
The best way to clean up your credit is to close any credit that you are currently not using. The more open credit you have the more points are counted against you. Also, if you can combine credit card accounts into one and close the other one it will also help you since a credit rating is made by looking how many open accounts with balances there are also. In addition, you can obtain an annual free credit report at freecreditreport.com, review your credit report and note any discrepancies. Then you can contact Experian, TransUnion and/or Equifax concerning any errors on your credit report. If there is a misreported item, they need as much "backup" as you can provide to them and they will contact the company to correct the error. Try and limit the amount of credit you receive and keep your balances going down instead of up. The closer you are to your credit limit, the lower your credit score will go. |
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Jessica M
 |
The truth is the day the bill comes in you pay it. |
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hakeem
|
I suggest you first understand just what goes into your credit score :
http://financialbasics.blogspot.com/2006...
Then you'll be better equipped to improve your current score AND keep it up :
http://financialbasics.blogspot.com/2006...
Credit is a numbers game. The better you understand the system, the better off you are. |
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