Forget Credit cards, credit reports anything where you depend on someone financing anything for I have a car a home the macs and flat-screen TVs,s all with out using credit. If you don't have the cash don't buy it....save save save then use your CASH not credit.
by deegee145 - 7 hours ago
Hi its sounds like your Allmost there paying it off keep doing what your doing I wish you good luck
by pattibcacl - 7 hours ago
go to annualcreditreport.com and get your report - its free. Dispute derogatory items on your reports. Next, try "debt validation" on the collection agencies if the dispute process does not work. Meanwhile, pay your bills on time. One late payment can destroy your credit rating. Aside from this, there is no "quick fix" for credit.
by chuck allredd - 7 hours ago
IMPROVING CREDIT SCORES As I improved my credit score, I notice that accounts that carry a high balance (i.e. maxed or close to maxed) and having too many open accounts really stumped my score. Inquiries have minimal impact on your credit scores. Having excessive amounts of inquires will slightly lower your credit score, however it is not weighted the same as a delinquent payment or a higher balance. I recommend keeping a balance of no more than 20-25% of your credit limit. Most will say 30%, but at 20-25% you have the extra 5-10% as a cushion for purchases and finance charges. Credit inquiries take a little more than two-years for removal. I say a little more because if the inquire was on 12/2/2004, the removal will post on January. Non-credit bills (i.e. rent, utilities, and cable) do not really help your credit score as they maintain it. In other words, paying your non-credit bills does not raise your credit score, but delinquent payments will lower it. Watch out transferring balances to another card. Read the fine print because sometimes it is at a higher rate plus additional fees. Some cards consider balance transfers as cash advances, which means higher interest and advance fees. Request a copy of your credit report and check for inaccuracies. Those inaccuracies can lower your score. My credit score went from a 685 to a 692 after correcting some inaccuracies (credit inquires that were not removed after two years and an open account that I paid/closed). You are entitled to a free credit report per year that has information from all three credit agencies. However, that report does not disclose your credit score. You will need to purchase your credit report through a broker or bank to see your score. Credit does not build quickly. Most think they will build up a 700 score with a car loan and a few credit cards. You have to consider how much history you established and your financial behavior with those accounts. Patience and good financial behavior is the key.
by jynxx25 - 7 hours ago
Hey I use a company to fix my credit I don't know the name but a got the # 516-837-7558 Give them a call
by Jose A - 7 hours ago
First Keep paying all your bill on time ... When u get a settlement your self is not that great If u let a company do it for u , u get better results I know this company that can fix ur credit and settlement everything for you
by Consulting - 7 hours ago
I have found on the net that there are a lot of things about fixing your credit you can buy some good some not. I bought these programs that have worked wonderfully. If you follow their easy instructions you will improve you credit and credit score. They even have the forms or letters you should use to send to the credit bureaus. I even bought some for my daughter who filed bankruptcy and she has improved her credit also. I try to tell everyone about these programs because they are so good. I feel I have gotten my moneys worth buying them.
by epelham54 - 7 hours ago
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