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Credit Score (FICO) basics - How to improve credit scores

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MarissaSmith
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0 Magic Points
PostPosted: Mon Apr 26, 2010 10:09 pm    Post subject: higher credit line wanted

I am a stay at home mom and my husband works. His credit is shot but my credit is fair around 650 How can I get a higher credit line without being employed?
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Aaron

Aaron

Joined: 08 Feb 2010

Posts: 2675
48566 Magic Points
PostPosted: Thu May 27, 2010 12:13 pm    Post subject: Improving credit score

Hi,

If you could provide more details on your credit, I will be able to help you in improving your credit score.

Thanks,

Aaron

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SamahJuana
Guest





0 Magic Points
PostPosted: Sat Jul 31, 2010 12:15 am    Post subject: Credit in college

I had a medical bill and then it went to collection because I did not have the money. I finally paid it off but it already went to collection. What can I do to repair my credit before I leave college.I also have a bill that is deliquent but I am paying it off. What should I do?
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Aaron

Aaron

Joined: 08 Feb 2010

Posts: 2675
48566 Magic Points
PostPosted: Sat Jul 31, 2010 12:04 pm    Post subject: credit in college

Hi Samah,

You can send goodwill letter to the collection agency for the debt that has been paid off. As for the one on which you are making payments, you can request the collection agency to agree to "Pay for delete" (PFD) agreement. If the collection agency agrees to PFD, the negative will be removed from your credit report.

Thanks,

Aaron

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Cory
Guest





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PostPosted: Tue Aug 03, 2010 2:01 am    Post subject: credit

Does paying a little extra on car payments, mort etc. Help your credit score? or is this just a myth.
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Aaron

Aaron

Joined: 08 Feb 2010

Posts: 2675
48566 Magic Points
PostPosted: Tue Aug 03, 2010 10:20 am    Post subject: credit

Hi Cory,

Paying extra on your car loan, and mortgage does not do any extra good to your credit score. If you make on time payments, your credit score will increase. However, it is true that if you make extra payments towards your accounts, the debt gets paid off early, and the chances to miss payments lower.

Thanks,

Aaron

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Bill
Guest





0 Magic Points
PostPosted: Mon Sep 20, 2010 2:17 pm    Post subject: Raising Score

how to raise a 500 score to 600?
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Aaron

Aaron

Joined: 08 Feb 2010

Posts: 2675
48566 Magic Points
PostPosted: Tue Sep 21, 2010 10:56 am    Post subject: raise credit score

Hi Bill,

You need to provide details on your present credit and debt so that the members and guests in this community can help you in solving your problem.

However, to improve your score you need to maintain your on-time payments on your credit accounts. Check your credit reports for any wrong listings and negative listings. Dispute the wrong listings with the credit bureaus. Try to remove the negatives by paying off your dues and negotiating "Pay for delete" on these negatives.

You can also get added as an authorized user on a relative or friend's account. This person should have a good credit score. For more details on improving credit score refer http://www.creditmagic.org/knowledgebank/credit-scoring.html .

Thanks,

Aaron

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Col
Guest





0 Magic Points
PostPosted: Sat Oct 02, 2010 2:24 pm    Post subject: Inquiries

I was recently house hunting and unfortunately the mortgage company pulled my credit several times, but when I checked my report I found that each one shows up as a new inquiry even thought they were all within a 30 day period. If all credit pulls in a 30 day period are treated as a single inquiry how can I get this fixed on my credit report?
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Sherita
Guest





0 Magic Points
PostPosted: Tue Oct 19, 2010 12:10 am    Post subject: Credit Help

Hi Carol my question to you is if my credit is bad and i really want to pay off some of my debt but financially i cant are there any organizations that can help me with this. i have a 2 year plan to be completely debt free.
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cgeorge



Joined: 24 Oct 2010

Posts: 15
136 Magic Points
PostPosted: Mon Oct 25, 2010 12:11 am    Post subject: Improving my credit

Are their any other methods I can use to build my credit? I hear there are the use of public filings that will give your credit a boost. Have you come across this information?
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Aaron

Aaron

Joined: 08 Feb 2010

Posts: 2675
48566 Magic Points
PostPosted: Fri Nov 12, 2010 12:43 pm    Post subject:

Quote:
I hear there are the use of public filings that will give your credit a boost. Have you come across this information?

Well, can you share the source of such information with us. It might come to great help for many of us. Also, would like to know more about the explanation that you've come across.

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ipadappreviews
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PostPosted: Sat Jan 01, 2011 1:39 pm    Post subject: IPADALL

-----------------------------------------------------------
Hello. Great career. I did not expect this on a Wednesday. This is a great account. Thanks!
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K
Guest





0 Magic Points
PostPosted: Tue Jan 04, 2011 2:30 am    Post subject: Mortgage

My father co-signed my Condo Mortgage 7 years ago.
Since then, I have re-built my credit and have a score in the 700's.
I have recently gotten married and my husband (whose credit is in the in the high 700's) and I are moving out of the area. My parents have offered to take over our mortgage and rent out our condo. Would it hurt my credit to remove myself from this mortgage?
Please advise.
Thanks,
K
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Trevor
Guest





0 Magic Points
PostPosted: Tue Feb 08, 2011 1:15 am    Post subject: credit score

Dude, I was stoked to see my credit was still a mid score of 700 with 3 lates on a mortgage after 18 months. The landlord ran it. I was like What? that is so cool. I will be back in the game soon
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