 Does bankruptcy help or hurt your credit? |
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 What department store credit card do you have? |
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 How can I fix my husbands credit report!? |
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 Do I get charged if I don't use my credit card in a while? |
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 How do you buy a engagement ring with bad credit? |
I have bad credit, and no bank account, but want to buy an engagement ring? How can I get one if I can't get any credit?
Additional Details
But I have about a month and I'm ... |
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 Ebay payment question? |
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tribulattifather | What boosts a credit score faster: Paying bills on time or paying deliquent(sp?) bills all at once? |
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majkhan6
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Paying delinquent bills while keeping current bills helps.
More important is paying of revolving debt. These are credit cards and anything that has a finance charge for late payment.
Next is the Debts that are closest to your maximum. Watch out for store cards and furniture credit on this one. Furniture stores are the worst. They offer credit for years with no interest but that debt still shows on your credit report as an unpaid debt. Then if you wait till the interest to begin, it back-logs all the way back to when you started the debt. This will give you instant 2-3 years of interest added on that debt. |
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pandora078
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you need to pay your current bills first, or they will also become delinquent. pay off your smaller delinquent bills first so that you can apply larger payments to your larger bills in the future. do not incur any more expenses until your current debts are paid off!!!! |
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Kill_Me_Now!
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I am 50 and I've paid my bills on time every time for all my adult life. I have only taken out one loan in 1975. No credit cards, no pay as you go appliances, no title loans, etc, etc. My rating on the three major Credit rating bureau's rate me as 0 rating because I don't have a CREDIT history. Paying your normal rent, utilities, phone and cable doesn't constitute real credit measurable by these three credit institution. Otherwise my credit rating would rule. |
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Bob
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The deliquent bills are already taking a hit on your credit score and will stick around for 7 years.
The best you can do is try to lower your debt to credit limit ratio and make timely payments for as long as possible. Avoiding credit card use is a good idea and your score will increase over time. |
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kissmymiddlefinger
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Pay on time.
The history of how you pay your bills is the most important thing
CONSISTENT ONTIME payment is waaay better than a lump sum covering deliquent bills.
lay pays are the death of credit scores |
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Cindy Roo
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I know this one first hand, PAY YOUR BILLS ON TIME!!
A deliquent account will already show up regardless of what you are doing on the account, but it will show you are paying on it.
Make sure to get a copy of your credit report at least once a year to make sure everything is correct. It it much easier to keep it up to date that way, then to try to dig up old records or try to remember things several years past. |
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queen i
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paying bills on time.......... |
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peanut
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on time |
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