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Joined: 07 May 2010
Enriquehajela's page
Posts: 11

128 Magic Points

Posted on Sun May 16, 2010 6:43 pm  

First you start a job earn some money then go for secured credit card and make your credit.
Bad Credit Car Refinance

Posted on Tue Aug 31, 2010 11:45 am  

I am a college student and I want to build my credit so that I can apply for a car loan without my parents. I know that if I get a credit card and use that and make the monthly payments, this would build my credit but how can i be sure that this will build my credit?


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: car loan
Posted on Thu Sep 02, 2010 11:53 am  

Hi Tracy,

It is always better to earn before you can get a loan of your own. However, as you are a student, it won't be possible for you to do a full time job. You can rather try to get a part time job.

It is not good to use a credit card to pay off the loan. You need to provide more information on your credit so that I or may be others in the forum can help you in building credit.


Keep in touch Smile

Joined: 24 Oct 2010
cgeorge's page
Posts: 8

149 Magic Points

Subject: improve your credit score
Posted on Mon Oct 25, 2010 12:07 am  

I want to improve my credit scores for my business. Does anyone know of any methods to doing so?

Joined: 27 Dec 2010
moniquec11's page
Posts: 8

146 Magic Points

Subject: Son turning 18
Posted on Mon Dec 27, 2010 11:41 pm  

I will be adding my son to my credit cards when he turns 18. That way it will report on his credit and he will benefit from my good credit history to get him started ( but he won't get a card) lol.... I use a little on them every month and pay them off...I never carry a balance. I will get him started in the right direction...but where he goes from there...will see. Hope I have taught him enough to know...he sees it everyday in my line of work...and how important it is to maintain a good FICO score.

Subject: LzxkzRncbRxNYAp
Posted on Sat Aug 31, 2013 5:33 pm  

The easiest and best way to avoid the sprial downfall of debt is to not get into debt. If you have debt, the best thing you can do is to make your monthly payments, and that means to make them on time. If the bill they send you has a due date on it, which they all do, then make sure that you send the payment in time for it to be posted before the due date. A late payment is a late payment, and a late payment will affect your credit history, your ability to get employment and in the most extreme cases the ability to keep the job you already have. Credit cards can be a good way to build credit, but, only if you don't abuse them. It's vital that all payments be recieved on time(as explained above). In todays economy it's going to be hard to get a card with a decent intrest rate if you don't have golden credit. That's a beacon score of at least 720 minimum. That's not to say you can't get a card, you'll just pay a higher interest rate untill you prove to the debt holder that you are responsible with your credit. As far as how long it will take to build your credit to the point where a bank is going to be willing to give you $15,000.00 to buy a new car? That depends. It's most likely going to be a couple years. The banks are going to want to get a payment history they can monitor to see how you pay your monthly payments. Some of what they will be looking for in a payment history will be Do you pay the minimum payment each month or do you pay more then the minimum each month, and how much more over the minimum you pay? Have you made your payments on time? How close to the max credit amount on your card have you ever been and how often? Have you ever gone over the maximum credit limit on the card and how often? Either way you will need a down payment. Expect to have to put down at least10 to 20 percent of the total of the loan. If you don't have any credit you could also get a co-signer. This is probably the best way to start growing credit. A co-signer takes most of the risk on a loan because they are the primary loan holder and the co-signer also will have a proven credit history. If you have a co-signer and you default on the loan, the co-signer is held responsible for repayment of the loan till the loans has been satisfied.

Joined: 12 Sep 2013
rblack's page
Posts: 40

215 Magic Points

Posted on Wed Sep 25, 2013 12:58 pm  

You can apply for a secured credit card and the amount you deposit will be considered as your credit limit. Make sure you responsible use the credit card and pay off the bills on time. It can help to build

Joined: 28 Jul 2014
LucyCowlergni's page
Posts: 7

64 Magic Points

Posted on Mon Jul 28, 2014 6:06 am  

Secured credit cards are a terrific option for establishing or rebuilding your credit history. Generally accepted wherever major credit cards are accepted, secured cards are easy to get, even if you have bad credit or no credit history. Making your payments on time will help to build a positive credit reference.
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Breonca Wilson

Subject: Good Credit score hacker
Posted on Thu Nov 15, 2018 1:45 am  

Hello my name is Breonca Wilson. I contacted Hack West, a credit pundit on a beautiful morning after reading so many reviews online saying how they helped people fix their credit in less than no time. I said to West, if this is true, I’m definitely interested in working with you to boost my credit so I can purchase a home this year and he gave me a positive response. I initially had a SCORE of 504 with late payments, lingering debts and a bankruptcy that wouldn’t let me qualify for anything. In less than 2weeks, West completed my job and I currently have a score of 786, he cleared all the negative items on my report, in fact they were all replaced with some couple of beautiful tradelines. I have purchased the home and a car and I’m free to apply for anything I want. I’m so happy right now because it’s surprisingly amazing to ascertain such a result after several bad experiences. Here’s there email; HACKWEST@WRITEME.COM, Write to them and they will put a smile on your face. You can also text (424) 307 2638. Cheers and thank me later.
Meka McDonald

Subject: The Best Credit Hacker
Posted on Mon Nov 19, 2018 6:30 am  

Hi all, I always wondered how I could boost my credit score after constantly getting ripped off by lenders, banks and credit card companies due to my poor credit history. So I got referred to by a friend about this amazing company (Hack West Credit Repair) who helped remove negative items on my report and increased my credit score in a discreet manner. He charges reasonably and gives you evidence before final payment. West changed my life and I can now boast of having a home and a new business all thanks to West can fix your credit report and increase your scores in record time. He came through for me and he can also do same for you… You can also hit him up on (424) 307 2638.

Subject: Credit Repair
Posted on Mon Nov 19, 2018 11:40 am  

My mom was scammed by someone who claims to be a repair expert back in late 2015 or early 2016. I tried to tell her it was a scam but she had already given her information’s and money. I’ve tried to tell her that she could try to get her money back but I think she doesn't believe that I know what I'm talking about. It really upsets me when these scammers target our parents & grandparents! I just lost my dad when they did this to her. They called several months after she paid for the service. Thank God I answered the phone & not my mom! I told them hell no & if they owe us money to either mail a check or credit the card they charged in the 1st place. No exaggeration, they called 6 times in a row one day. I kept saying no, they would hang up or I would hang up & they would call right back. This went on for about a week & finally the calls stopped. She lost about $500.00. They charged her around $150.00-$200.00 for "fixing" her Credit & then told her a year membership for about $300.00 more dollars. I don’t know which bothers me more, that she was scammed or that she won't listen to me when I try to help her. So after much argument she finally listen to me I called a friend Tracy that contacted a hacker that worked on a criminal records on her Dad so she gave me he’s contact and I contacted him and explained the situation and how possible could it be. He assured me of a clean and safe job and he will get done in just 4 days we provided the information he asked for and we contacted on Tuesday and on Friday everything was solved credit history looking superb and her scored increased to 200 points we are really grateful to you who may be reading this right now you want to fix your credit pick up phone and contact COLE (.)FRANK (@) CYBERSERVICES (.) COM OR text +1 (972) 798 8812 my name is Emily tell him I referred you have a nice day.
Tony Gall

Posted on Mon Nov 26, 2018 7:10 pm  

Thursday (November 22nd , 2018) was my thanksgiving day not because it’s a day set aside for we to be thankful but because it was the day I got my credit fixed by Hack West Credit Repair. I had all 3 bureaus reporting 550, 557, etc. main thing, I filed for bankruptcy chapter 13 to pay everyone back and then I asked to dismiss it. I had a couple of 60 days late payments but I was up to my limit on my cards but they were low limits; $300, $500 and $750. I signed up for credit saint in June but they are very slow in their process and couldn’t even remove the bankruptcy. I was making more research and by chance I found Hack West and his contact; HACKWEST at WRITEME dot COM, +1 (424) 307 2638. From many of the names I found for some reason, I identified more with them. I am a father of 2 children and I have always wanted to buy my house but by credit report, I have never been able to. I did bought one house in Puerto Rico but it entered foreclosure. Well I trusted Hack West with my credit and they delivered my life from shame and failure bringing joy and reason to be happy again. He raised my score to 789 and deleted the bad items on my report and it still looks nice up to date. Feel free to contact them and get your life back again.
Rick Kennedy

Posted on Sun Dec 30, 2018 6:30 pm  

Hack West Professional Credit Repair isn’t just a place of business it is a place of family where they truly care about your credit score and they help you raise and fix your past (which can be frightening and intimidating at first). We all make financial mistakes and I made those bad decisions that truly affected me in where I couldn’t ever gathered $100 loan. BUT HACK WEST (HACKWEST@WRITEME.COM/+1 (424) 307 2638) credit has helped me by taken me by the hand and raised my credit score from 460 to 780. They are very integrated, interactive and truly want to not only fix your credit score but help you at a second financial change at life. With them working hard for us, we are confident we can now truly fulfill our dream of buying our first home at Denver.
Hack West is a Blessing to us and can also be a Blessing to you, tell West Rick directed you. Truly I’m fulfilled. 2019 is settled hence I have an excellent score.
Sarai Sumira

Posted on Mon Dec 31, 2018 7:07 pm  

Having good credit is not something they teach you in high school or college. I had horrible credit and was burned a couple of times by hackers who provide "clean up credit" services. Working with Hack West Credit Repair was an entirely different experience. Hack West was honest. They did exactly what they said they would, within a short while, was always available and awesome. These things made all the difference. Thanks so much for helping to repair my credit; I now have a score of 760 with all hard inquiries removed. Reach them on HACKWEST at WRITEME dot COM or +1 (424) 307 2638.

Subject: Credit Restore
Posted on Fri Jan 04, 2019 8:32 am  

"Words cannot express my gratitude nor Appreciation to Ghost Virus for he’s help." Sometime last year I was in a very terrible situation I was almost losing my house due to my poor credit outline. I reached out for help and searched online for a quick solution to my poor credit outline and to restore my life back without being kicked out of my apartment and suffering from so many things. I came across several reviews about Ghost how he helped a lot of persons with similar issue I was having. I contacted Ghost Virus ( +1 205 418 0498) for a quick solution explaining everything concerning my credit to him and I could really use he’s help he said okay and promised to help me fix my credit within 12 working days. My credit got fixed my score 395 was increased to a high 795 deleting all negative items and also increasing my credit limits and leverage. God bless you Ghost I’ll forever remain grateful to you Have a prosperous years ahead of you thanks. Cherry Idaho Connecticut Happy Holidays

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