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Michelle909
Joined: 30 Apr 2009
Michelle909's page
Posts: 3
37 Magic Points
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Subject: Fico Score
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Thu Apr 30, 2009 6:43 pm
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| I have a FICO score of 540. What are my best steps at getting this into the 620 range as I'm trying to buy a house within a few months. Any help would be great as I'm really in need of getting a new house. My score is low because i have missed payment but have pay them all back but my score still doesn't go up. Please Help |
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scott
Joined: 28 Jun 2006
scott's page
Posts: 446
10878 Magic Points
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Fri May 01, 2009 11:23 am
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If your account has already been listed in your credit report as delinquent, your credit score may not improve even if you pay off your debts. This is because any negative listing stays there in your report for seven years and 180 days from the date you became delinquent on your accounts. However, you can improve your score by improving your credit history. If you have credit cards, try to use them efficiently by making purchases with them and repaying them back within the due date.
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SCOTT
Use your credit account responsibly and enjoy a debt free life. |
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GarySnober
Joined: 08 Apr 2009
GarySnober's page
Posts: 67
6 Magic Points
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Sun May 03, 2009 9:23 pm
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| Hi, 80 points in a few months is not impossible but it will be hard. One late payment will not ruin your score. Pay down most of ur debt as much as you can afford to set aside for bills. Dont be late, dont apply for any cc or loans rite now. If you can try to get the late payment removed from your credit by writting them a letter. |
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Thu May 07, 2009 6:55 am
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Hi Michelle,
Firstly, analyze the negative listings in your credit report. Paying off the installment loans could help to raise your score. Do not use your whole credit line every month, even if you pay your balance in full. Your available credit is averaged over your billing cycle, which is sometimes less than 30 days.
If you've been a good customer for years, but had a rough patch and missed a payment - you might be able to ask your creditor to "erase" a negative listing. You can do this with a goodwill letter. There is no guarantee that a lender will do this, but this method has had lots of success. Good Luck to You |
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Stretch
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Subject: YObFZuwtlWpAQzTyk
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Mon May 23, 2011 3:00 am
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| Ppl like you get all the barnis. I just get to say thanks for he answer. |
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