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Jack
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Subject: Need Credit
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Tue May 26, 2009 6:01 pm
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Hi,
[System detected duplicate content, converted into image.Thanks] |
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johnny
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Subject: credit score
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Tue Aug 25, 2009 11:08 pm
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| i have a credit mid score of 597, how many points will raise my credit automaticly for getting a millinium secured credit card |
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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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Wed Aug 26, 2009 5:52 am
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Hi johnny
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| i have a credit mid score of 597, how many points will raise my credit automaticly for getting a millinium secured credit card |
I am afraid there is no 'automatic' way to raise or improve your credit score. It is also difficult to say what score exactly will get you a secured credit card. But to be safe, a score of 700 should get you a secured card although it all depends on a lot of factors like if you have had any recent inquiries or have had a history of late payments and the like. The reasons may be aplenty. But I guess a score of 700 should work.
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Arya
Joined: 19 Aug 2009
Arya's page
Posts: 46
1190 Magic Points
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Wed Aug 26, 2009 4:40 pm
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Yes as someone suggested , bankrate.com is good site and you can capture all information through this site.
Best luck |
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JaySmith
Joined: 27 Aug 2009
JaySmith's page
Posts: 5
97 Magic Points
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Thu Aug 27, 2009 2:21 am
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| Just live within your means, be patient and watch your score rise. Everyone lives in a "I want it now" world. |
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Arya
Joined: 19 Aug 2009
Arya's page
Posts: 46
1190 Magic Points
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Fri Sep 04, 2009 4:59 pm
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Hi,
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: improve credit score
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Sun Sep 06, 2009 8:06 am
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| Well.........one of the posters had stated to get a Millennium Secured Card, a Shopping credit card, etc., to 'rebuild' your credit. That actually does sound great! However.....some people don't have the money to put on a Secured Card. I understand the concept of trying to raise your credit score,.....however......doing all of these things (getting all of this 'credit') will put you in MORE debt. |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 148
954 Magic Points
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Fri Sep 25, 2009 12:48 am
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Thats true.
But if you want to borrow money in the future you need to have good credit or you cna live on cash all your life |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: credit
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Mon Sep 28, 2009 11:04 am
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| Well.......i do know a few people who don't have CC's ( because they don't want them). They're slowly, but, surely, paying their debts down, etc. And, yes...tthey DO buy just about everything they have, with cash. It's almost like a cycle: you need to have good credit to barrow money and you are in MORE debt to pay this 'extra' money back. Gosh!! |
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jassica
Joined: 13 Sep 2009
jassica's page
Posts: 76
10 Magic Points
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Mon Oct 05, 2009 2:49 pm
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Your credit score is becoming increasingly more important to your everyday life. Not only do banks use it to qualify you for credit cards and loans, insurance companies use it to price your monthly premiums, and even employers use it to decide whether to hire you. These days, it’s hard to get by with a low credit
score. It has too much impact on your life.
If you want to improve your credit score, you should first know the things that influence your score.
1. The timeliness of your bill payments is 35% of your credit score.
2. The amount of debt you have is 30%.
3. The length of time you’ve had credit is 15%.
4. The number of recent applications is 10%.
5. The mix of credit (credit cards vs. loans) is 10%.
Generally, you can build a good credit score by paying your bills on time, keeping your credit card balances low, having a longer credit history, keeping your credit applications to a minimum, and having
experience with both revolving and non-revolving credit.
Your credit score is directly influenced by the information on your credit report.If you want to know what’s hurting your credit, you should order your credit score or credit report or both. Your credit score generally comes with an analysis of the things that are influencing your credit score. You can get a free credit report
by visiting the only government-approved free credit report site online, www.annualcreditreport.com. With your credit report in hand, you can reference the accounts that are hurting your score and begin figuring out what you need to do to improve your credit score. |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 148
954 Magic Points
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Sat Oct 10, 2009 6:00 pm
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Just some corrections
It is not just timely payment on your ills, but also on your credit card accounts, loan accounts like car loan, home loan,personal loans etc |
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owen
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Subject: None of you answered the question
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Wed Aug 11, 2010 1:58 pm
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| By how many points will a secured card raise your score? I know that it "depends" but there must be a range! Don;t answer if you don;t have an answer. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: credit score
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Fri Aug 13, 2010 10:31 am
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Hi owen,
In the subject you have mentioned
| Quote: |
| None of you answered the question |
I am sorry that you did not get the required help. However, can I know where is your previous query?
As for the secured credit card nobody can tell you by how much points your credit score may increase if you take a secured credit card. There will be a gradual increase in your credit score as you make the on-time payments.
Thanks,
Aaron
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kakucis
Joined: 16 Aug 2010
kakucis's page
Posts: 5
Location: London
137 Magic Points
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Mon Aug 16, 2010 3:27 pm
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Hey everybody I just desired to obtain some guidance on this 1 my husband is spending off my credit rating cards, and he would like me to near them the two down I told him that isn't fair he includes a credit rating score of nearly 800, and mine is at a measly 559 it has gone up considerably because final year it was at 402 I can pay for my monthly obligations but I really feel behind final month on 1 of my credit rating cards, after which they raised my minimal payment as much as much more than my credit rating limit so I'm considering of just spending that 1 off, and just producing my minimal obligations till I can pay for to obtain a secured card from 1 from the banks any suggestions? Ought to I just near the two higher intrest rate cards I've, and go for any secured card or leave these two open w/ no balance?
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: repair credit
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Tue Aug 17, 2010 9:22 am
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Hi kakucis,
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| I just near the two higher intrest rate cards I've, and go for any secured card or leave these two open w/ no balance? |
Yes, it is better ti leave the cards open, and use those for minimum purchases.
You can get the secured credit card from any of the banks you have an account with. If you don't want your husband to use your cards ask him not to. If this does not work, you can change the account details.
Thanks,
Aaron
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