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carter4ever
Joined: 04 Jan 2010
carter4ever's page
Posts: 4
106 Magic Points
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Subject: What to do boost my score
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Sat Jan 16, 2010 4:35 am
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hello here is the scope i have two enquiry 2 cards one with 3000 limit i used half of it and a new one i just got for 500 i used 300 of that what shell i do to increase my score shill i
1) open a secure card with nmbcreditcard.com
2) Sign up with alliedtrustdiamond.com these type of company’s
3) what do you recommend
and is it true these companies can boost your score if they appear on your file "www.alliedtrustdiamond.com" what are these cards called
thanks this forum is a life saver |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California
29555 Magic Points
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Sat Jan 16, 2010 11:24 am
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Hi carter4ever
I would suggest begin with checking your credit report. See if there are any misinformation that need to be removed. Have you checked the credit limits on the cards that you have? Sometimes, lenders show a lower limit which in turn depresses your score temporarily. If you find any such thing you may ask your lender to update the information. This should boost your credit score a little. Besides this, try to clear your credit card dues that you still have. These give quite some push to your score. Don't overuse any of your cards. Stick to 30% of your limit.
_________________
Keep in touch
Carol |
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carter4ever
Joined: 04 Jan 2010
carter4ever's page
Posts: 4
106 Magic Points
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Sat Jan 16, 2010 8:13 pm
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thank you sounds good but do you think i should open a secure card or join this alliedtrustdiamond.com what do you think iam new to credit so my history is less than 8 month but i thoght to start it right
thatnks carol |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: cc
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Sun Jan 17, 2010 4:00 pm
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| A CC is always good to improve your Credit score. However...make sure, before you apply for the CC, that you can truly afford it. I know people who have 2, 3, or 4 CC's (they did this to "improve their Credit scores"..) and NOW can't pay anything on them because they don't have the money. Of course, deliquencies on CC's DO go on your Credit. Just be responsible with the CC's. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California
29555 Magic Points
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Fri Jan 22, 2010 1:35 pm
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Hi carter4ever
I am not sure about alliedtrustdiamond.com since I do not have knowledge about them. About opening a secured credit card, you may do so, but make sure you use it properly and don't run up huge balances. Also, remember that opening a secured credit card every time you plan to boost your score is not a good idea. Go ahead with this plan if you do not have too many cards already.
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Keep in touch
Carol |
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