 Credit Score Changes for 10 points, Alex? |
I have 3 quick questions regarding the information used to calculate credit scores:
1. I'm a college student who just applied for my first 2 credit cards a few months ago. Roughly how ... |
|
 bull credit problem? how can i fix it? |
| Basicly whats going on is i lived with my grand mother for a very long time, and im moving out just applied to my second apartment would of got it till i found out for some bull crap reason HER ... |
|
 I was approved for a auto loan at my credit union, for 10k with 2k down, I am only looking for a used small? |
| suv, my question is do I have to use the whole amount, because I can find a small suv for less then 10k that's for sure. If I find a car-suv for less will that decrease my down payment?? I'... |
|
 What can be done if a seller charges $1,200.00 in shipping costs for a small wall clock on Ebay? |
| I won a 12" wall clock on Ebay in Germany for $7. When I went to pay for it with PayPal, the shipping came up as 1,000.00 euro ($1,200.00 bucks). The seller's site gave shipping prices for G... |
|
 Will Visa chase me for payment of my loan since I am already located in diffirent Country? |
When I worked in Thailand, my company sponsor me for a VISA credit card. When my company closed due to financial loss, I returned to Philippines and did not paid my outstanding loan or credit.
<... |
|
 What is a savings Account with good interest rate? |
| My savings account interest rate has gone down considerably to about 3.6 and was wondering what are some good accounts. Looking for one close to around 5% interest.... |
|
 Can I get a credit card bad credit? |
| I don't know what my credit score is. I recently got my credit report and saw that I have two different agencies reporting negatively on it. Could I still qualify to get a credit card? I owe $220... |
|
| someone has spent over 5000$ on my credit card i am sure they found out my card number do i have to pay still? |
| i just looked at my monthly statement and it showed $5689.89 amazon payment and my other bills nobody has used my card beside me i am sure somebody knows my card number do i have to file something ... |
|
 Are credit card payments sent instantly? |
| I clicked on a PayPal donate button but don't have a PayPal account so I clicked pay with card. Will the credit card money be sent to the donee instantly or will it take a couple days?... |
|
 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?... |
|
 What is a safe and free way to get a credit report? |
| I have only encountered sites such as creditreport.com that force you to give them a credit card # to complete the report. Then you are automatically enrolled in some garbage. If you don't ... |
|
 Llyods tsb says i have a credit card.. but i dont.? |
heya. going to be a bit confusing.. but il try explain.
i signed up to have a credit card a while ago. then i got it in the post and cut it up, cause i had few money problems.
anyway online ... |
|
| Will cancelling a credit card affect my credit? |
| My first credit card was a Capital One Platinum Standard. I didn't really have anyone to explain to me the possible fees that come along with these cards, so when I got my first bill, it had an &... |
|
 Employer messed up my pay check and now they want me to pay back? |
| From January until yesterday I was supposed to be a part time employee (30 hr vs 40 hr/week). I was told that the paperwork was in order. I did think that my pay check was perhaps slightly higher ... |
|
 Bought furniture on store acct credit in 2005 and stop payment about 3 years ago....? |
| Today my husband received a call at work from an attorneys office saying that we need to make payments or they will repo my furniture. I can either voluntarily give up my furniture and have them put ... |
|
 Debit card question please help? |
| I have recently got one and am obsessing a bit over ebay, but it started with £290 in it, I have so far spent £45.78 on ebay but when I log into the halifax online website, it says my "... |
|
|  |
sjbrayboy | Which is the best way to improve my credit score? |
My current credit score is 594. I have one open account on my report, which is a student loan and I have been on time with the payments for over two years. I have 10 closed accounts on my report. Three of them have balances of $270, $397, and $563 ($1230 total). I wanted to start with the lowest balance first, and pay it in full, then do the same with the other two. Should I pay them in full, one at a time, or make payments each month? Which way is best to raise my score? |
 |
 
Money Girl's Quick and Dirty Tips
 |
Here are the fastest ways to increase your credit score: http://moneygirl.quickanddirtytips.com/raise-credit-score-fast.aspx. |
|
Paul
|
To raise your credit score you will have to pay each account in full. Start with the highest interest accounts first and work your way down. If you want to improve your score even faster go out and get yourself a consolidation loan. Not only will you be able to pay all of the accounts off at once but you will have a "positive" rating from the new loan you have just acquired. You may also want to consider getting a prepaid credit card to help raise your score. Any credit you have that is being reported as credit will help improve your score |
|
Mario
|
Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-score.10001mb.com |
|
Stonle
 |
Don't start with the lowest balance first.... instead start with the HIGHEST interest rate first. Then you're being more productive with each payment getting more bang for your buck.
To increase your credit score, it's pretty simple. 1. pay off accounts you have, and 2. don't start any new accounts. (if you need to charge something use an existing account that's still paid off but still open, and pay it off as soon as you can)
The people with the highest credit scores are those that manage their finances like they don't NEED credit (pay everything off and pay cash). |
|
cainvest1
|
You are wise to pay off the cards. That is one of the best ways to raise your score. Do not close the accounts, but rather pay them off.
Change course and pay off the highest interest rates first. If you can pay them all off at once, do so. But not to raise your score, but to save the interest!
Your credit score will rise over time. It is a function of payment history, income, and debt/equity. |
|
MadMan
|
If the closed accounts are old, ignore them. Paying them off will not improve your score and they will time off your report after 7 1/2 years. If they are newish, contact the holder and see if you can "pay for delete". If the holder is a collection agency, they cannot delete the original default. Just get a signed agreement stating that your debt is settled if you pay. |
|
kate g
|
there is no rhyme or reason as to what will work to increase your score. What you are refering to is called the snowball, snowflake or avalanche technique where you can put equal portions to each outstanding gradually, throw lump sums at each one periodically (tax return or holiday) or avalanche where you throw all the money at each one, one by one. Its a great debate in the credit world. Ultimately the closed acct will stay there for 7 years, satified or not. If you allow them to "expire" unsatified they will not disappear, they may come back up when you go to purchase a home or something. They just move to a different report instead of your credit report. I did the right thing and paid mine off regardless. I think you should start with the small ones first that way you can see it clear up and nothing is better than seeing "paid in full" next to one of those delinquencies. It takes time and patience but is worth it. Nothing is better than having a good credit score. It opens the world of possibilites up to you. Since you only have student loans I suggest you get a credit card too to help build your score. You can start small with a store charge just be sure to use it and pay it off so they will raise your balance. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 31 minutes(s) ago
| | | |
10 | 57 minutes(s) ago
| | | |
10 | 1 hour(s) ago
| | | |
10 | 4 hour(s) ago
| | | |
10 | 8 hour(s) ago
| | | |
10 | 11 hour(s) ago
| | | |
10 | 2 day(s) ago
| | | |
10 | 3 day(s) ago
| | | |
10 | 5 day(s) ago
| | | |
10 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
