| Author |
Message |
|
Options 
Bookmark online
|
Ruth
Joined: 07 Aug 2009
Ruth's page
Posts: 7
277 Magic Points
|
|
Subject: more points for my score to boosst
|
|
|
Fri Sep 11, 2009 3:04 am
|
|
|
| My husband needs to boost his credit score by about 65 points. He only has one tradeline and we have no way of doing the piggyback ride thing. Is there any other way of helping his score jump? He only has one card with First Premier. Is there a way of obtaining credit without paying out of pocket or opening accounts.......we are currenly living paycheck to paycheck so this would be really hard to do right now? |
|
|
Sarah_123
Guest
|
|
|
|
|
Fri Sep 11, 2009 6:36 am
|
|
|
Hi Ruth,
I understand your situation. You and your husband can definitely improve your credit score but it is not possible to tell you whether it will get a boost of 65 points or not. Well, you can open a bank account and keep some amount of money as a deposit in that account against which you can get a secured credit card. This is an effective way to boost your credit score. Apart from this you can also get gas/store cards since you need to make the creditors realize that they can depend on you to pay the debts.
Some of the other ways to improve credit score are, keeping your balance low and checking your credit report to find out if there are any false debts that can be removed from your credit report. Sometimes the debtors can also add their positive rent and utility history to improve the credit score. Try and keep your payment history perfect so that in future you do not have to worry so much.
All the Best 
Sarah |
|
|
sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1344
166 Magic Points
|
|
Subject: score
|
|
|
Mon Sep 14, 2009 9:06 am
|
|
|
| I don't think the CB's look at the 'Piggyback' thing anymore. A friend of mone did that recently (with her boyfriends credit) and it wasn't 'acknowledged' on HER CR, anyway...if that makes sense. |
|
|
Clive
Joined: 25 Aug 2009
Clive's page
Posts: 13
252 Magic Points
|
|
|
|
|
Mon Sep 14, 2009 1:45 pm
|
|
|
Opening a new line of credit will surely help you but again you need to minimise the expenses in order to pay the amount towards the monthly payment of that new line of credit.
I think working extra hours will solve your problems to pay towards the new line of credit. |
|
|
sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
|
|
|
|
|
Mon Sep 21, 2009 5:36 am
|
|
|
| see if you cna open somesecure credit cards and make payments particularly |
|
|
andybell
Joined: 11 Aug 2009
andybell's page
Posts: 17
199 Magic Points
|
|
|
|
|
Thu Sep 24, 2009 5:54 am
|
|
|
| Can you be a little descriptive about "Secure Credit Cards"? |
|
|
sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
|
|
|
|
|
Fri Sep 25, 2009 12:53 am
|
|
|
if soem one has bad credit, then most of the time it is hard to get a regualr credit card
So peopel can go for secure credit card.
In a secure credit card you will deposti some money in the bank ( Ex; $500) and the bank issues you a credit card with a limit of $500. The money you depositedis used as a security deposti and thats why it is called secure credit card
if you defult ont he payment they will take that money and cancel yoru card |
|
|
andybell
Joined: 11 Aug 2009
andybell's page
Posts: 17
199 Magic Points
|
|
|
|
|
Fri Sep 25, 2009 5:41 am
|
|
|
| Thanks Sunnyca for sharing your views on Bad Credit. It would be helpful. |
|
|
sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
|
|
|
|
|
Fri Sep 25, 2009 6:39 am
|
|
|
no problem
Every one here can help |
|
|
Credit Mindset, Inc
Guest
|
|
Subject: 65 Points
|
|
|
Mon Sep 28, 2009 8:30 pm
|
|
|
Ruth
What does your husband need 65 points for??
New House?? Does not seem like good timing if you are pay check to pay check...
New Car?? An even worse idea...
I think you need to focus on your budget, SAVE....pay your bills on time and spend conservatively what left over and save again.... |
|
|
sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
950 Magic Points
|
|
|
|
|
Sat Oct 10, 2009 6:02 pm
|
|
|
Mostly this is for buyign a house
Car dealers are little different. They sell car to any one and even people with bad credit, but they will charge them hefty interest and when they stop makign payment get the car back and resell it |
|
|
