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sugar5



Joined: 09 Feb 2008
sugar5's page
Posts: 5



236 Magic Points

Subject: Need Credit Builder
 
Posted on Wed Feb 27, 2008 11:50 pm  

Hello Everyone,

I need some advice I am trying to get into buying and rehabbing homes and i have to have a Equifax credit score of 625 to get the loan i need to do it, right now my score is 600 at Equifax what can i do to make this happen soon. I have been working on my credit and have improved my scores on all three bureaus. when i started i had low scores in the 400 and now i am in the high 500 low 600. Please respond soon and thanks.
curious
Guest






 
Posted on Thu Feb 28, 2008 11:45 pm  

Hi there, if its not a secret how did you manage to increase your scores from 400s to 600s? Im also trying to build my credit right now
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: Credit
 
Posted on Fri Feb 29, 2008 6:44 am  

i would like to 'get in on this secret' as well. LOL My Credit score IS coming up, a bit. Just taking care of things, one item at a time.
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36461 Magic Points

 
Posted on Fri Feb 29, 2008 9:51 am  

It is definitely regular payments of your bills and positive management of all the finance accounts that help you climb the ladder. In the mean time keep in mind that no accounts should be opened. Do not apply for credit for the time being. That will trigger credit pulls and eventually credit score reduction.

Utilize existing credit if need be.
_________________
Regards,
Laura.
Guest







 
Posted on Fri Feb 29, 2008 10:41 am  

Really no secret first i keep my credit utilization down to 10 to 20 percent, I have 3 credit cards one which i have had one of the 3 for 6 years, and i had one or 2 collection fall off when disputing.
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36461 Magic Points

 
Posted on Fri Feb 29, 2008 11:33 am  

Scores in the 600s is a huge accomplishment Sugar5. Credit utilisation at 10% to 20% is a very good way to improve on the score. How long did it take you to improve your scores?
_________________
Regards,
Laura.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: CR
 
Posted on Fri Feb 29, 2008 6:07 pm  

I DID forget, if you apply for credit (and as 'inquiries come in), your credit score can drop. Well......I'm just taking things little by little.
crorkz
Guest






Subject: XYysgyhHCr
 
Posted on Tue Aug 05, 2014 5:36 am  

YqoWtm I really enjoy the blog post.Much thanks again. Want more.

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