 How can I improve my credit score quickly? |
I have a 479 credit score. It sucks. I can't do anything I want with my life to really improve a lot of things. How can I improve this quickly?
Additional Details
Oh, I am 26 yrs. ... |
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 I'm upside down with my car for $7000 what to do....???? |
| I bought a brand new car a year ago. My car payment is almost $500. I will like to trade in for another car that worth this payment but my payoff is $20,000 and the trade in value is $13,000. So I�... |
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 Rental car holds!!? |
| Do all rental companies put a hold on credit cards when renting? I tried Thrifty when I was out in LA and they where going to put a $400 hold on my card, I cancelled it 'cuz I needed the money ... |
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 Will a foreclosure effect your credit rating worse than bankruptcy? |
| We are filing for bankruptcy and will lose the house one way or another. If the foreclosure goes through, we can live in the home rent-free for perhaps up to 10 months. Or we can try to do one of ... |
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 Cosgined for my sisters engagement ring? |
| My sisters BF bought her an engagaement ring in October. He doesnt own a credit card so he has no credit history, good or bad. He opened an account with the jeweler and I ended up cosigning with him. ... |
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| What is the deal with these online advance payday loans? |
The bills aren't added up right and i need some extra cash for my shots for LPN school.
My question is: Do these things work and how? Do they go off credit? How do they determine how much ... |
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 How do I get on welfare.? |
| My mom thinks that I've been working enough now and I do too. I'm looking to take some time off for a while from work and get some relaxing time in. I need something to cover our mortgage,... |
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 Why are people getting in over their heads regarding credit cards? |
if you cannot pay it with cash now, do not buy it now. you are only hurting yourself by charging something you cannot afford.
Additional Details
interesting how many responders look to ... |
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 How long till something goes off your credit report? |
| I lived in an apartment for 11 out of the 12 months on my lease and we only moved early because my 1 year old was always getting sick, I mean every 2 weeks we were at the doctor. It got so bad that ... |
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 Bad Credit at the age of 16? |
Okay, when I was 14-15
My brothers used my social security number and I blv my name aswell to get cable, cellphones and stuff. Since they had bad credit.
And they did get those ... |
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 Can a 15 year old get a credit card? |
i mean i heard of the 7 yr old getting a credit card and my friend actually got a letter in the mail that said kitty (his BIRD!!!) was approved.....
Additional Details
ok then what ... |
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 A im 10,000 dollars in debt and all my stuff has went to collections how should i pay this debt off ? |
| i have a loan that is 2,000.00 and the rest are credit cards. how much should i pay on them each week and how do i rebuild my credit because i want to buy a house in the next 2 to 3 years?... |
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 Credit Cards.? |
| Why do Credit Card companies allow so many people to get into debt?? People nowadays are using them as if it were there own cash. Then when its too late, they realise they're in big trouble and ... |
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 Do you think it is necessary to view ones credit information when applying for job? |
| In my opinion it is not. I don't have horrifying credit but I have a few items on my credit report. I think it is unfair because they could turn down a very qualified candidate because of ... |
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 What is the best credit card to apply for if you have good credit? |
| Which credit card do you think it's best for those with good credit? Chase, American Express, Citi, Capital One?... |
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 Can u go to jail for not paying on a payday loan? Or does it go towards ur credit? |
| I do not have the cash in my bank account to pay anymore. I do not want to do this, but i would rather have the cash to pay food and stuff than just go to a loan.... |
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_BLuce_ | Why do credit inquiries lower your credit score? |
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jasonbigggggs
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because they dont want you pulling your credit frequently |
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SG Elite
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Generally it's assumed that you need more monies thus the inquiries. |
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Michael
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it's important to understand that while EXCESSIVE hard inquires can lower your score a bit, it's not the end of a good credit score. As was mentioned in previous posts, it's a measure of "credit desire". If you have 6 or more inquires in a six month period it raisies eyebrows. It's all about averages. The average person doesn't need six new cards in such a short period. |
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Dave
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there are lots of reasons... none of which I feel are acutally good reasons..
main point for everyone to remember is that there is not money in good credit... this is a very important most people dont realize.... bad credit means more fees and most highter interste rates that are charged.
the main reason your credit is affected by inquires is because if you constally trying to get credit it means that you might be over extening your self.... for example if you open up a new credit card every month it means that you constally have a need to get credit which means that you have a lower chance of paying your balance if something were to happen
kinda of a scam if you ask me.... remember that inquires alone will not I repeat will not negativly affect for your credit for longer than a few months. Only repeat attempts at getting credit over a long period of time will really bring down your scores.
thanks |
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helpme
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applying much= high risk score down |
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cHiKiN_sAnDwEcH
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I doubt it, but they do show up. |
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Still reading
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Because the assumption is that you're applying for credit so you will be in major debt by the time the current inquireer loans you money. There are soft and hard inquiries which have different effects. Employment inquiries, for example, don't have an effect on your credit score. |
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Shari
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I don't know but I don't think it's a fair rule, and it does lower your score. I think they think that your trying to apply for too much credit. Which most people have anyways, even if they don't have a low score, they are way over-budgeted. They economy is crashing. When your on the lower end like me, you see it first. Like my husband drives a semi truck. And for a major company. The loads to haul are getting fewer and fewer. Some guys don't even get out to work anymore because there is not enough to haul. That's not good because virtually "everything" you buy, is hauled on a truck at one point and time. So........they have given so much "credit" to everyone, especially for houses, and the econmy is bad now, and it's all crashing in. And I believe with all this happening, they will be changing the rules soon on this. Hope this wasn't too long winded for you. Just tried to explain it the way I see it. |
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desertflower
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It is a game of sorts! They want to put you down, make you feel bad, and prevent you from getting credit. |
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D.W.W.
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because you are asking for more than your solitary means of support. |
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