 Is there a free credit report site with no strings attached ? |
| Everytime I try to go to a "free credit report"website,it is never free.There is always a "catch".Are there any credit report sites that are absolutely free?... |
|
 Does any one know anything about dave james loan lending firm from nigeria? |
| they offered to lend me money but i have to pay a transfer fee has any one used the.... |
|
 Does your credit rating go up if you buy a car with cash? |
| I want to buy a new car because I want to boost up my credit rating so I can get a house later in life. Now I have enough money to purchase a decent car with cash. Will this affect my credit rating? M... |
|
 Pay off debt all at once or little by little? |
| If I pay off my debt with a loan and pay under $100 a month, is that better than not taking out a loan and paying about the same per month and not being done paying it all off till about a year from ... |
|
 How can I accept credit card payment from someone? |
| I have some things for sale and the guy wanting to buy them lives 500 miles away and wants to pay by credit card. Is there any way to receive his payment?... |
|
 Getting my first credit card? |
| So im looking at getting my first credit card and its through CHASE. They sent me a letter asking me to send a copy of my Social Security Card & Drivers License....is this normal? If so how long ... |
|
 Too much credit debt ... Should I use a credit repair service? |
| My CC debt is very high (>$30K), and the payments are getting too high. I have a great credit rating, but I can't keep up with high payments for the next 20 yrs. Should I use a credit ... |
|
| What if I got a credit card over 1 year ago, have since moved, and don't know where the card is? |
| and don't know how to contact them for a change of address. I already checked my credit report, but don't know how to contact them. will the card eventually expire? What if they send the ... |
|
 How to build credit? multiple cards? |
| Does having multiple credit cards help get you more credit? I have a college visa card, and I use it very often, but a friend told me I should use multiple credit cards to build more credit.... |
|
 IF I was taken to the hospital while I was in High School but 18 years old. Who is responsible for the bill? |
| I have a collection from that time. Can the collection agency ruin my credit for that? Whos resposable for the bill, me or my parents?... |
|
 What is a debit card, and how do you use it? |
| I also want to know how to use it online.... |
|
 My bad credit accounts are all over 7 years old & are still on my credit - how can I get them off without? |
| how can I get these off my credit without starting the Statue of Limitiations starting all over again once I contact the companies. By the way - these companies have all sold them and beefed up the ... |
|
 How can you get credit if you don't have any credit history on your credit report? |
| I have applied for a couple of small lines of credit... ex. Target card.... and they sent me a letter that says insuffient credit history... how do I get credit if no one will give me any???? I'... |
|
 Do these credit repair companies really work in the uk has anyone had good experience? |
| i have had bad credit in the past and have being paying off most of my debts i am finally getting my head above water but everything i apply for even a switch card is being refused help needed! ... |
|
 Square One Debt Settlement - I'm ready to get rid of my high cc's. This company contacted me and sounds good. ? |
| I open my own acct in my bank giving me control; pay them 15% the first 6 mo; next yr 60% I get paid/40% they get paid; next yr I'm fully investing into my acct for them to begin negociating. P... |
|
 Any ideas on how to establish credit? |
| I am needing to establish some credit. My house and bills are all in my father's name being I have no credit. I want that to change. But first I know I need to establish some credit. What are ... |
|
 Should i be co-applicant on a car loan with my cousin? |
| my cousin has a really bad credit score and he can`t get a loan for a car. he asked me to be a co-applicant . i want to make sure im not making mistake and not screwing my credit or myself.... |
|
|  |
Ron Ron | Will paying all my bills on time improve my credit score from 560 to 620 in 6 months? |
|
 |
 
Dont_taze_me_bro
 |
Is this a rhetorical question? |
|
Big Momma Carnivore
 |
Possibly. It depends on a lot of factors. Pay down your debt but don't cancel your credit cards. Stop using them. Get a copy of your credit report and clean up any wrong information. If you have any unpaid loans or credit, clean it up. Work to increase your income too. |
|
dtm123
 |
Paying your bills on time is definitely beneficial to your credit score, however expecting a dramatic increase in your credit score based on timely payments is unrealistic. There is obviously some problems with your credit.
When was the last time you looked at your credit report? Did you know that over 40% of consumers have incorrect negative items on their credit report? Most of these can be removed from your report by simply writing a dispute letter.
The federal trade commision has very good information on how to do this. And best of all it is free information. You are allowed by law to get your credit report for free once each year. The FTC even shows you how to dispute items on your credit for free.
Go to the federal trade commission link http://www.ftc.gov/bcp/conline/pubs/credit/repair.shtm and investigate to see if this may help you improve your credit score. |
|
Dr. Deth
 |
with a score that low, there must be major negatives on your record that won't get erased with just 6 months of paying on time |
|
financing_loans
|
probally not.
Paying bills on time helps your score a little. Its what you owe that is affecting you. Lets say you have a credit card that has 1000 limit. And you owe 800 on it. That means you have 80% of your equity taken. That kills you.
If you have 5 credit cards with a 1000 limit each. Thats 5000 dollars. It bases not only on credit amounts but how you use it. You should never be over 30%. The more you are over 30% the lower your score goes. So in this case, as soon as you are over 1500 your score goes down. It keeps going down until you are maxed.
This is only one scenario. But thats how it works. So lets say your credit cards are at 80% maxed out. Get them down to 30% and that could very easily increase your score that much.
You can do what is called a rapid rescore it takes 5-7 days. Say something is on your credit you dont like or disagree with, they have have it off and rescore your credit. I think it cost 25 dollars per bureau. Most credit reporting companies can do this. But you dont do it directly. You can and its free but it could take up to 45 days.
Good Luck. |
|
Arica
|
While I'm not a credit expert, I do work with credit reports on a regular basis and I would have to say that it's not likely that paying your bills on time for 6 months is going to get you a 60 point increase. Sorry. |
|
Goddess
 |
It will help but not by itself. The past dues will still be visible and will still affect your score. It would take some time to overcome the past dues already on there. What would really help you get a better score more quickly is getting the balances down on the credit cards or loans that you owe on. Having your credit cards or loans at high balances (as compared to the available credit) really hurts your score. And balances are updated every thirty days, so you'd see a change in your scores really quickly. |
|
donald e
|
not necessarily, it depends on what comprises your current score, and how far behind you r now. everything late must be brought current first and thenpay everything on time. paying from here on current without being brought up to date first will still show 2-3 months or more behind on each account and will continue to lower your score. got it get current first and then pay on time and your score should start to climb unless you have judgements, collections, and or charge offs that are recent. gl |
|
Gallo
|
Probably not. You need to pay everything on time for a year for it to really start effecting your score. They usually give you a 30 day grace period before it starts showing up on your score.
If you've only missed time on a payment or two, you can call the company and ask them to wave it. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 3 minutes(s) ago
| | | |
9 | 7 minutes(s) ago
| | | |
10 | 36 minutes(s) ago
| | | |
9 | 49 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
8 | 4 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
9 | 7 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
11 | 1 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
