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greenj
Joined: 12 Nov 2008
greenj's page
Posts: 1
27 Magic Points
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Subject: HOW CAN I RAISE MY SCORES
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Wed Nov 12, 2008 8:43 pm
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| i have taken off most of the negative items off of my credit but my scores are still low. How can I build up my credit score? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
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Sat Nov 15, 2008 12:48 am
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Okay, so how did you get the negatives off your credit report? please share your secret.
You can get your credit score to rise by getting a small credit card using it every now and then, paying the minimum and establishing a good payment history on your report. You can also apply for other types of credit, like store, etc as long as they do the monthly reporting for you it will raise your score.
Be careful not to apply for too many, hard inquiries will bring your credit scores down so you will not wnat to do too many.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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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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Mon Nov 17, 2008 6:29 am
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Hi greenj
Have you pulled out your credit report after you have paid off the debts in full? Only if you have gone for pay for deletion agreement with the creditor, then only, the negative listings get removed, else not. Just paying off the debt won't remove the negative listings from your report. However, if the debts have been sold off to the CA and you have repaid the CA under PFD agreement, then also the OC listing may not be removed from your report. That may be one of the reason why your credit score has not improved.
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Keep in touch
Carol |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1240
28942 Magic Points
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Mon Nov 17, 2008 6:47 am
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If you have already paid off the outstanding debts, you should start rebuilding a good credit history again in order to raise your credit score. Now as Goodnatured said, you can go for credit cards to build up a good credit history. Now since you do not have a good credit score, it is better to opt for a secured credit card than to go for an unsecured one. Now make regular payments on your card and repay it on time. In this way you can build up a good history and your credit score will improve.
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All the Best 
Justin |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
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Mon Nov 17, 2008 2:49 pm
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I have done this with a retail card, not real sure what impact it will have but I am hoping that it will be somewhat on the positive side. I am going to be good to go here after I get through December or at least to the middle of month. Right now it is our usual, coal, higher electric and etc. Hate the winter months.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Mon Nov 17, 2008 7:42 pm
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| Yep and on top of all that vehicles breaking down and having to do expensive repairs. I think you will not have to wait to long Gn to see a postive mark on your credit report from your retail card. Just think it is a few steps towards the positive side that you didn't have last year. Not cashed out yet? Sometimes it is done on Fridays. They were really quick with mine. Anyway keep making those payments on time and you will soon see results. |
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creditpro
Joined: 16 Oct 2008
creditpro's page
Posts: 21
Location: San Diego, CA
1243 Magic Points
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