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kmcalester



Joined: 11 Jul 2008
kmcalester's page
Posts: 1



34 Magic Points
Subject: I have a score that is 425.
 
 Posted on Fri Jul 11, 2008 11:14 pm  
How can I raise my score to 525 in 90 days. I have nothing but a checking and savings account.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3927



10 Magic Points
 
 Posted on Sat Jul 12, 2008 12:49 am  
Raising your score that much in that short of a time will be impossible, you could do some raising by applying for a credit card, shop for a little and then pay it down and maintain a good payment history on the card, this will improve your score, but not 100 points in that amount of time.

But I could be wrong, maybe someone else has some fantastic way, so hang out and wait for others to come on board and answer.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3927



10 Magic Points
 
 Posted on Sat Jul 12, 2008 12:49 am  
Raising your score that much in that short of a time will be impossible, you could do some raising by applying for a credit card, shop for a little and then pay it down and maintain a good payment history on the card, this will improve your score, but not 100 points in that amount of time.

But I could be wrong, maybe someone else has some fantastic way, so hang out and wait for others to come on board and answer.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 573



-53 Magic Points
 
 Posted on Sat Jul 12, 2008 12:52 am  
I agree with goodnatured, that seems like an impossible mission to raise your score that quickly. I wish it were that fast and that easy. I do agree that you could start building your credit with one card and go from there. It will be a start anyway.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889



1356 Magic Points
Subject: credit
 
 Posted on Sat Jul 12, 2008 4:36 am  
I wanna add my '2 cents' to this conversasion ( as usual..LOL). Also.every time you apply for credit, your credit score does go down a bit.
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 364



4812 Magic Points
 
 Posted on Sun Jul 13, 2008 1:31 am  
kmcalester
if you get someone to add you as an authorized user or joint account holder on an credit account this may raise your account the desired amount depending on the age and payment history of the account.
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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3927



10 Magic Points
 
 Posted on Sun Jul 13, 2008 2:38 am  
They do take into consideration on a joint account, but I don't know about any authorized user, I don't think any of there information, they have the primary account holder to deal with.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 364



4812 Magic Points
 
 Posted on Mon Jul 14, 2008 12:15 am  
I would also suggest opening a CC so that you can start to build credit history
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

www.homecreditrepair.net

http://homecreditrepair.hqforums.net/
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889



1356 Magic Points
Subject: credit
 
 Posted on Mon Jul 14, 2008 10:50 am  
Good advice, CMB. However.......please be really careful of those 'bad credit CC's'. They can really have a HIGH % on them and alot of fees.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3927



10 Magic Points
 
 Posted on Tue Jul 15, 2008 3:07 am  
Do your research, make sure you read the fine print and all the contract mumbo jumbo.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889



1356 Magic Points
Subject: credit
 
 Posted on Tue Jul 15, 2008 4:17 am  
I agree, GOODNATURED. All of that " mumbo jumbo" can really get ya. Ask questions if you need to....not that they will actually be answered ( personal experience, I guess.)
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3927



10 Magic Points
 
 Posted on Wed Jul 16, 2008 2:35 pm  
Well, what amazes me is that they tell you all the good stuff up front and hide the potentially bad parts in the fine print. It is up to you as the consumer to look a little deeper and find out everything you can, after all it is your credit score that this will affect in the long run.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4285



127 Magic Points
 
 Posted on Fri Jul 18, 2008 1:11 pm  
Thats how they lure you in good natured. It is exactly what happened to me 6 or so years ago that got me a bad mark on my credit. I had no credit and took an offer. Wasn't a good move at all.
Jass
Guest
Subject: More INfo
 
 Posted on Fri Aug 28, 2009 10:02 am  
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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3927



10 Magic Points
 
 Posted on Fri Aug 28, 2009 10:25 am  
Fireyone,
I think it will be pretty tough to get credit right now, with the new laws that are being passed for the credit card companies they will have to be more selective on who they extend credit too and they can not just raise intrest when they want with out giving the consumer ample time to respond and get it paid off prior to the new rate taking effect.

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