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Good post really.
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I need A+ credit Asap!
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I have been in the mortgage business for 8+ years. I am very familliar with the loan and mortgage process. I can assist in raising credit with step by step help. If you have questions give me a call at 866-295-9339 x 777. Ryan Salo Bank Of England. FDIC, Equal Housing Lender.
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how can i get good credit
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kioencbuieye
Nov 10, 2010
Don't let bad credit stop you from getting a loan -- If you are tired of hearing NO, our lenders say YES! Finally... A website that can make it easy for anyone to find a bad credit loan and it's guaranteed! go to GETBADLOANS(.)TK -
michellebarford
Feb 15, 2010
Great Tips! Poor credit can be an awful downward spiral, i am embarrassed to say i had all my credit cards maxed out at one point. I was in deep trouble until my friend recommended i get a free credit repair consultation, i was able to overcome my poor credit score quickly. Heres a link where i got a free consultation i thought i would share it to help everyone: http://cli.gs/credit-repair
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michellebarford
Feb 15, 2010
Great Tips! Poor credit can be an awful downward spiral, i am embarrassed to say i had all my credit cards maxed out at one point. I was in deep trouble until my friend recommended i get a free credit repair consultation, i was able to overcome my poor credit score quickly. Heres a link where i got a free consultation i thought i would share it to help everyone: %3Cbr%3E http://cli.gs/credit-repair
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helllllo
Jun 07, 2009
Regarding tip #2: Never, ever close a credit card account in good standing! It will DESTROY your credit rating instantaneously. When I was younger, I had a few credit cards I didn't use, so I thought closing the accounts would be wise to prevent a crook from stealing my account numbers and making unauthorized purchaces. Boy, was I wrong! Although I paid all my credit card bills on time and often in full, once I closed those accounts, my payment history didn't mean jack. Credit agencies and lenders look at the amount of debt you have in relation to your available credit, and the closer the ratio is to 1:1, they will view you as a big risk. That's what happened to me, and my credit rating went from very good to poor. As a matter of fact, when my husband and I refinanced our mortgage a few years ago, the bank had to remove my name from the loan because my credit rating was too low to qu...
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Chanel Anderson
Nov 30, 2008
There is tons of misinformation and bad advice on this page and I would avoid it all together. Reading it makes me cringe.
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Chanel Anderson
Nov 30, 2008
There is tons of misinformation and bad advice on this page and I would avoid it all together. Reading it makes me cringe.
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Aug 08, 2006
Dispute every negative item on all your reports, keep on disputing until the creditor removes it. Dispute any late pays as "pays as agreed" or payment never late. If the creditor does not respond within 30 days, the bureaus are bound by law to remove the negative listing from your file and you file will read "pays as agreed" and "payment never late" which will turn a negative item into a positive one. Keep the balance on all your credit cards, or revolving credit, under 25%. If possible, get the balance down to 0 at the time of the month the creditor reports to the bureau's. You can ask the creditors and they will usually tell you. This is huge and can impact your score up to 80 points. If you don't have any credit cards, apply for 2 secured credit cards that report to the bureau's. Use them to buy a cup of coffee or some other small item once a month and pay the balance immediately. Make sure it has a 0 balance owed at the time its reported to the credit bureau's.
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Nov 22, 2005
Time heals all wounds. Repairing credit is not a job that can be rushed. I had a very low FICO score (low 400's). It has been 1 year of reestablishing myself. I now have a 600 score. It's not perfect, but it's not bad for a year's worth of work. I opened installment accounts (2) with low balances but paid as agreed on time each month. I applied for two credit cards (someone finally gave me the opportunity to try again after 3 unsuccessful attempts) and pay them on time every month. The best suggestion that I can give, however, is to pay your bills on time! If possible do like myself and set everything up on automatic bill pay, where you know the bill will be paid on time each month. If you are not in a financial situation where you can set up automatic debit, and know the funds will be guaranteed available, then it is a good chance that you are not ready to manage credit until your finances are taken care of. Avoid using a lot of your available credit. It does impact your score. Another thing that helped my FICO score was all of the incorrect information on my credit score. I disputed misleading, false, or incorrect information and it had a dramatic affect on my score.
