Can You raise your FICO scores fast?             Click here to Print

#Omega611 - Says,

My FICO score is 536 and I am tryinmg to refinance out of ARM that is adjusting upwards every 6 months. Is there a lender that will offer financing with a score of 536?
#CMBV22 - Says,

In todays market I think that you will find it difficult to refinance at 536. I would suggest a couple of easy quick(er) fixes to try and boost your score.

Get your CR and see if you have any inquirys. Send inquiry validation letters to all of the companys that are listed. This should raise your score about 5 points each.

See if you have any duplicate accounts on your CR. Sometimes when you owe a debt and it is bought and sold by mutiple CAs you will find multiple listings for the same debt. I suggest sending DV letters to the companys that no longer own the debt. These CAs will most likley remove their listing rather than try and validate it to you. They have nothing to gain.

Open a credit card account. Even secured cards will help. Keep a small balance and pay it on time each month.

All of these things will help your score in a decent amount of time. Obviously validating all of your debt and paying off the balances will help the most but, if you dont have the money to pay them...

Just be careful that you dont get sued by any CAs whom you owe money too. You dont want them to put a lien on your home.

#carol - Says,

Hi Omega
Since you have an adjustable rate of mortgage and the rate of interest is on the increase, you can ask your lender to refinance out the ARM into a fixed rate mortgage. FHA loan refinance is a good way to refinance your ARM provided that your mortgage payments has been on time for the last one year. You may consult your mortgage broker and I hope that they will be able to help you about it.

#Omega611 - Says,

Thanks. Where can I find a sample DV letter? I have a mrotgage company (Option One) that has not been willing to help even after ove 1 year of on time payments. FHA has a minimum requirement of a 580 score
#CMBV22 - Says,

YOu can find some in the stickys on the forum. You can also look through my previous posts. I have posted my favorite letter before.
#sdchargers_63 - Says,

If I send Validation Letters to my CA's, and they don't respond within a certain amount of time, can I have the account 'Deleted' from my CR? Is it the best thing to send copies, of letters to the CB's? REALLY 'getting into' trying to clean up my CR..ya know.
#CMBV22 - Says,


Yes but, it takes a bit of work. Send your DV letters cert mail you can prove they got them and keep a copy for yourself. After you send two letters 30 days apart, send a letter to the CRAs *i posted one you can use* and send your copies of the letters with copies of the cert mail tickets. Now, if your luck is as good as mine *you poor thing Wink* you will get letters back from the CRAs saying they vailidated the debt as yours. Then you get to send them a method of verification letter that requires them to send you the verification they got from the CRAs within 15 days. MOst times they dont fully validate your debt when they contact the CAs this forces them to or, be in willful noncomliance with the FCRA

#creditcoach - Says,

FHA does not have minimum 580 FICO- According to HUD Handbook 4155 there are NO minimum credit scores to obtain an FHA loan... Many lenders have implemented their own 580 minimum criteria but there are still several lenders that are lending with scores below 580- Shop around... If you have been on time for the past 12 months and there are no other Major derogs in the past 24 months you should be able to find someone to do a FHA refinance for you...

Good Luck!!

#sdchargers_63 - Says,

So, seems ALMOST like a 'catch 22', to clean up your credit. Not imossible, just time consuming..right? My luck? can go 'either way'...LOL
#awestover - Says,

I have this really good Ebook, that will help you with any credit problems you have. It is called xxxxxxxxxxxxxxx. You can increase your credit score within 90 days, even if you don't have credit. It worked wonders for me. I read this book, and now I have almost perfect credit within four months. Good Luck! I have this really good Ebook, that will help you with any credit problems you have. It is called xxxxxxxxxxxxxxxxxx. You can increase your credit score within 90 days, even if you don't have credit. It worked wonders for me. I read this book, and now I have almost perfect credit within four months. Good Luck!

[deleted] Violation of forum rules - Richard

#lostrikan24 - Says,

I was told that calling current credit card companies and asking to raise the credit limit would greatly help our debt-to-income ratio. I can see how, but does this also help our FICO scores? If so, that is a quick and easy way to boost FICO scores...

Does anyone know or have any info?

#goodnatured - Says,

I can see how this would definately raise your score, I would not have thought this.
#CMBV22 - Says,


Yes and no. I just got two accounts delted after requesting MOV. The flip side to that is as soon as the CA who put that debt on their either sends some kind of validation or sells it to another CA, My fun starts all over. That is why I generally call them up and offer to settle once it is off with the agreement that they will not relist it. Also, I ALWAYS get it in writing first. I also send the funds with a letter re-affirming our agreement.

Another fun fact is that in many states if you right 'paid in full' on the check even if they cross it out and write I dont agree' The debt is considered paid.

#lostrikan24 - Says,


I was given that advice by a close friend in the past and did not follow up on it. I am now reading a book on how to better my credit/fico scores and ran across that advice once again. In the process of going through my credit report I found out about a few cards that I had aquired but never really used in the past. Those balances are still at zero and that helps also. I will not close these because doing so will greatly lower my debt-to-credit ratio. Well, this little trick is helpful if we raise the credit limit but don't actually use it. Good luck! =)

#Mary - Says,

Hi lostrikan
You are true. Raising the credit limit on old credit cards help a lot in increasing your FICO score. But if you use these cards for making compulsory payments like utility service bills etc., and then repay them back in time, a good credit history will be created which will no doubt increase your credit score much faster. Sometimes credit card companies raise these credit limits automatically, so as to persuade customers to buy more with these cards if the card remains inactive for a longer time.

#goodnatured - Says,

They have all kinds of little tricks to keep people paying on these cards, I know fingerhut keeps raising our credit limit like this.
#lostrikan24 - Says,

Yeah, because they know the average person will use up the extra credit. If left alone, they are helping us by raising our credit limit. Little scams left and right =)
#anthony - Says,

yes you are right goodnatured. But I think that using up the extra credit does not necessary hamper your credit score so long as you pay back the debt in time and use not more than 30% of your credit limit. But the most important part of the thing is that most people cannot keep track of their spending and end up with unpaid debt, which one should avoid.
#goodnatured - Says,

True, either way use it or not, I guess if you pay it back with in the 30 days it really does not matter, you will still have your 30%, I guess it takes some thought and discipline in what to do with the extra credit that they slap on you. LOL.
#sdchargers_63 - Says,

I had a CC, that was one of those 'bad credit CC' things. they din't raise my credit automatically.I had to apply to have it raised. Did you know if I DID apply for an increase, and i was turned down, that the CC company would report that to my CR? ..that i was "denied credit?" How can they do that...legally?
#goodnatured - Says,

That does not sound right, you already have the card right?
#sdchargers_63 - Says,

I DO still have the card, but, I closed the account. I don't know how a CC, with a $300.00 limit, can get to be almost $700.00 in "fees and %". Everytime I called the CC company, they couldn't give me answers...kept transfering me to other departments.
#goodnatured - Says,

I know what you mean, I had one that was $300 from capital one, by the time they get done adding late fees and the over the limit fees because the late fees made it over the limit, the card ended up being around $1500, it was settled out for much less, but they did jack it up to that much before it was all said and done.
#Guest - Says,

How did you even get tham to settle for this lower amount goodnatured? I had a capitol one and had the exact thing happen almost. What threw mine over the limit was suppose to be one of those one time activation fees. They explained the card to me over the phone and never said anything about an annual fee. Being very young and dumb I areed. When the year mark came along the charged me another $99 and boom over th limit and late fees. It just spiraled out of control after that.
they would not work with me AT ALL! They wanted molre from me a month than I could afford and just kept racking up the bill. I finally gor exasperated and just quit paying. I was sending in more than what I could afford and still when the next bill came in the payment would be double what the last one was and a huge monthly payment. That was 6 years ago. I am glad they got rid of this tlemarketing bull crap. It would be too easy for teens these days to except offers like that. The best thing ever invented was the Do Not call list. Had they had one back then I wouldn't have had that card.

#fireyone - Says,

How did you even get tham to settle for this lower amount goodnatured? I had a capitol one and had the exact thing happen almost. What threw mine over the limit was suppose to be one of those one time activation fees. They explained the card to me over the phone and never said anything about an annual fee. Being very young and dumb I areed. When the year mark came along the charged me another $99 and boom over th limit and late fees. It just spiraled out of control after that.
they would not work with me AT ALL! They wanted molre from me a month than I could afford and just kept racking up the bill. I finally gor exasperated and just quit paying. I was sending in more than what I could afford and still when the next bill came in the payment would be double what the last one was and a huge monthly payment. That was 6 years ago. I am glad they got rid of this tlemarketing bull crap. It would be too easy for teens these days to except offers like that. The best thing ever invented was the Do Not call list. Had they had one back then I wouldn't have had that card.

#goodnatured - Says,

Once it goes through so many collectors, they will then offer you a deal. They will usually accept 70% of the debt. that is industry standard.
#fireyone - Says,

Wish they would do this for me and I had the money. I know it is past SOL and about ready to fall off but to be rid of the hassle. then I figure why bother they won't work a good deal and I will continue getting calls due to the other ladys debt.
#fireyone - Says,

By the way is that the original debt before all the outrageous fees or with them added on?
#goodnatured - Says,

I think that they should have a limit on what they can charge, I had one card that was $300 and when it was all said and done, they ended up charging me over $1500, they should not be able to do this, I think they need to say, once you hit a certain amount that is the limit it can be.
#CMBV22 - Says,


The fact that you were over your limit is most likely why they not only did not automatically increase your credit but also denied your requests for an increase.

Many ppl pay the min each month (2%) and do not understand why the balance barely moves, if at all. Remeber, If you are paying 19% intrest ( common rate on 300 cards) thats almost 1.6% interest. That means only .4% or 4 cents out of every dollar goes to your balance. I have a more indepth article on my website if you want to know more.

#fireyone - Says,

Wow how are you so knowledgable on these things CMBV?
#ExoraBlorma - Says,

Anyone else thinking of re-financing the mortgage at the new low rates this morning? I'm seeing some 5.30 APRs for 30yr fixed w/ 0 points.
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UncoolSlicedBread 23 points presented 4 days ago

Kind of gave up on the apps a bit after having a handful of women flaking on dates. Honestly russian dating just decided to forget about dating for a bit and let unexpected things happen if they happen. I always hated the concept a girl will come along when you aren't looking.

in reality, I went to a festival at my city and had a girl approach me and request drinks later that night. We will on another date tomorrow night. While I was at the equivalent festival, Had a girl I went on a few dates yr after, Things fizzled out due to contradictory schedules, And we ran out for drinks the next night. Have a weekend date planned for her.

So I guess unexpected things happen when you stop looking. Both seem super into me and charged.

ArdentCrayon 60 points transmitted 4 days ago

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#WalterCriva - Says,

Would a Asian date a black and white mixed race girl

Why do black girls get mad should they see a black guy date a white girl?

Females don't especially like it when a male, Whom they really like and find attractive, Are escort a girl. It is simple when you look at it this way without the racial dynamic. I think the only reason black girls get mad is because feel like that white girl try to steal their man. I'm black and I get mad whenever I see the same principal! destiny: same exact here. When I realize that I get kinda angry. It's nothing like I hate white girls. that's not me racist. It's just that some white girls get almost they want. Then black guys wanna appear, And white girls want to take them too. It's that us black girls want men too, And i am frequently don't prefer white guys. So we go to black guys but white girls have formerly taken them..

Have you ever thought that black guys find us white lasses more attractive? I'm a white lass but black men are great especially Americans. It's just the way they walk and talk and the way they are there great people and there are better black guys than there are white. I want to date a black guy than a white guy. You black lasses just get jealous of us white lasses and can't stand just how black guys would rather date white lasses. We don't get angry when we see black lasses with white lads. it's only life and can't be helped. Nobody can help who they fall in love with, And at the end of the day the only difference is that we are all different colour. It would be silly to suggestthat the product of two races mixing would be any type of those tworaces and not the other. Forget anything you've read anything about "Racepassing from the mother, That is obviously not accurate. regularly, these people are referred to asblack, But that is only one half of their ancestry. truthfully, unquestionably neither black nor white; both being. Inpractice, Unless they have predominantly light skin or ambiguousfeatures, They rrs going to be considered black by society. MariahCarey has a black father and a white parent, But she is almostnever imagined black. ( Full correct answer )

This is gonna sound really weird but im a black kid that cant stop liking white girls or Asian or hispanic or any other race it may be a fetish some thing but how do you get over this?

This isn't weird lots of people prefer partners who are different from themselves. But lasting relationships are built on more than this initial impulse.

I'm a large Black woman and I'm very attracted to my complete opposites. i tend to date slim White or Asian men. Some people are just more attracted to people who look nothing like them.. Black adult females) Then possibly you have a self hatred issue, And you must find a way to love yourself more and to love your race.

Maybe then you are going to find Black women as attractive as White, Asian and Hispanic a woman.

furthermore, it won't qualify as a "Fetish" Unless ANY non Black person is more of a activate than any Black person. you should they're not even dating mixed race women never mind black women. This is odd because most of the mixed people in Britain live in urban areas which are populated with diversity and yet a good deal go for white women. They all just happened to adore white women. A percentage like this is usually a sign of shared ideology whether this is done consciously or not. it could be that mixed males have an affinity for women that are like their mothers. Afro European couples often consists of a white female and black male, So it's possible that, aSiAme Most mixed males have white moms. Though that may apply to physical appearance, it doesn't mean that the women of interest to them are on the same level personality wise as their mother, And we all know, enchantment is more than skin deep. legitimately, I think it's a bit superficial and shallow of those who only like white women to date or marry only them. The same could be said of the public who don't identify as mixed as well. One should keep an open mind while looking for that significant other. ( Full say )

Are you mixed race when you're quarter black?an individual who is a QUADROON is one who has a full ancestral lineage that consists of that of being 1/4 Black and 3/4 White. [Jasper Rowell Marsalis (Victoria Rowell's son) additionally Malia and Sasha Obama (Daughters of the usa President Barack and the First Lady Michelle Obama) Are all of a Griffe racial information.] Both qu adroons (Though some look white) And griffes are compounded race.. ( Full understand )

Can light colored guys date black girls?

undoubtedly, no matter, It only matters if they show you the way you wish to be treated and respected. Problems will exist make sure that people think questions like this need answers I don't see why not. Do as you please and know that at least a single person (everyone) Isn't judging you. ( Full resolution )

What race do women prefer in like sex and stuff from Asian black white and aussie?

Women throughout the world tend to prefer white, Western men over some other race. light colored men, expressly from countries such as USA and Great Brittan project greater status, Wealth and power than any simple race. most of them believe that scoring a white, Professional male guarantees them some level of security. essentially, I used to be told by an Asian woman that in many Asian cultures, The only time when it is desirable for Asian women to marry outside their race is when the man is white and educated. aSIAME But if an Asian woman were to take a Black or Hispanic guy home (head shot education), She would be immediately dis owned by her family. I've heard similar comments that fit this description from many foreign women. as long sex, mysterious women prefer white males, In part due to those reason. nevertheless, a small % of western white women due tend to be more open to dating outside their race due to various reasons. for example, Some white women date black guys attributed perceived sexual prowess and rigidness that black men project. These women tend to have an angry outlook towards society and will choose to show there rebellious nature by having a black, Gangster like boyfriend while other people will date outside there race for potential monetary and lifestyle gains. ( Full pickup )

Can a mixed race white momma and white father have a black child?

I'm trying to figure out exactly what you're asking here. theoretically, If one of the fogeys is of mixed race, Then the newborn is as well. Might the child have a plainly darker complexion than either of its parents? most certainly. I'd say a dna paternity test is possibly in order..

down economy races are "different" is not way to have a pure blood child. The child gets its genes from both parents the only way to have a "ebony" Child can from two pure "ebony" modern families..

Although if your family has lived in America for more than a few generations, you are not a pure "schokohrrutige" Anyway because we are a nation that interbreeds a lot between races. There are almost no pure races it really is except those who just moved here. ( Full choice )

exactly why is the black race not as progessive as the white race?

Black countries have always been under attack by other races, particularly the white race, For slave trades and overcoming of their land. If you mean blacks as users, this is just a stereotype. in person speaking, Blacks are in every career available, Including but not only to the Presidency of u. s. ( Full reply ).

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