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CREDIT SCORE: NEED HELP!

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MAINE
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Subject: CREDIT SCORE: NEED HELP!
 
Posted on Sat Mar 22, 2008 3:46 am  

I HAD OVER $10,000 WORTH OF DEBT ON MY CREDIT REPORT. I HAVE ONE ACCOUNT-OPEN FOR $292. I ALSO HAVE BANK AMERICAN CC WITH LOW CREDIT LIMIT/AND ALSO CAR LOAN FOR $5000. I JUST CHECK MY CREDIT, ABOUT 2 WEEKS AGO, AND MY CREDIT SCORE IS NOT MOVING-IT IS STILL @ 515. PLEASE HELP ME! THEN WAS DONE IN MY EARLY 20s.
sharad
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Subject: Credit Improvement
 
Posted on Sat Mar 22, 2008 8:59 pm  

Nice try--Morningstar
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



490 Magic Points

 
Posted on Sat Mar 22, 2008 9:28 pm  

How old are you now? Do you have any other established credit that will bring these scores up, like a credit card or a revolving loan? I don't know how old these debts are so it is hard to tell when they will fall off your report. please let us know how old the debt is?
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Maine
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Posted on Sun Mar 23, 2008 3:36 pm  

Well, I am 33 years of age-the only established credit that i have at this time is 1 credit card/limit $300 and car loan, which was original $5000, but i have paid down to $2139. Utility bill for $292 about 3 years old & repo car loan back in 2003, which is under $1000. Should i work on paying these accts? It would truly be a blessing if i could get my credit score up to 580-600 by my next birthday (August)- Do i just continue to make my payments-i am going to double up on my jeep payments-which would be paid out in few months. What about purchase furiture and paying back monthly? Which they do report to credit- Thanks
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Mon Mar 24, 2008 6:53 pm  

I would pay the utility bill. You could use one month of the double payment money you are sending in on your jeep Since the jeep payment is not behind it isn't hurting you at all, actually it is helping you. It is an open account and it will show you make payments on time. The repo should be your next item...under $1000...make some kind of payment arrangements..this could haunt you for years...it is easier to try to pay it off.Do you use the credit card? If not start. Only charge what you are going to pay off immediately. Making timely payments on that helps your credit and when the company sees you are willing to pay and not carry a huge balance..making more than the minium payment ..then they will raise your limit..also helpful.
I am sure more people will stop by,read your post and add valuable information. Hope I helped.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



490 Magic Points

 
Posted on Mon Mar 24, 2008 11:08 pm  

Wow fireyone, what a wonderful post, I see you growing everyday here, you are doing a great job. I am glad that you got to this post first, you did an awesome job on this response, kudos to you!!!!
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Mon Mar 24, 2008 11:21 pm  

Thanks Goodnatured. Just trying to give back to the community after all the help they have given me.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



490 Magic Points

 
Posted on Tue Mar 25, 2008 1:35 am  

You have just grown so much here in a short amount of time, it just amazes me. great job.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



123 Magic Points

 
Posted on Wed Mar 26, 2008 12:31 am  

Thank you.Thank you very much. Living and learning.
Laura

Laura

Joined: 21 Jun 2007
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36215 Magic Points

 
Posted on Wed Mar 26, 2008 12:14 pm  

Good advice there fireyone. I would suggest you look into the repo first. This is what is affecting your score. A repo can break your credit considerably as it had been with my niece. She is my age and already suffering a repo.
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Regards,
Laura.
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Wed Mar 26, 2008 10:52 pm  

I know my husbands repo did alot of damage to his score. That is one of the reasons we cleared it up. Hope the OP stops back and keeps us updated.
Maine
Guest






 
Posted on Thu Mar 27, 2008 12:14 am  

Thank you so much, fireyone! You have really lifted my spirit on the response to my question! God bless you! Guess what! My score has increase by 21 points-My score as of 3/26/2008 535! I am so excited! This forum is truly a blessing! I am going to work on utility bill-and make plans for monthly pyment for repo under $1000. Thanks-I will keep you updated
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



490 Magic Points

 
Posted on Thu Mar 27, 2008 2:07 am  

That is awesome news Maine, I think you will be surprised at what you can accomplish if you set goals like you have, make a plan and stick to it, you are going to do great. I bet you exceed your goals by August, here is hoping for you!!!! Cool Cool Cool Cool Cool You have cheerleaders and tons of support here. GOOOOOOOOOOOOOOO Maine!!!!!!

You are going to be so proud of yourself!!
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



36215 Magic Points

 
Posted on Thu Mar 27, 2008 4:14 am  

That is a great news Maine. We are glad that we could help you out. Great job Fireyone Smile.
_________________
Regards,
Laura.
scott

scott

Joined: 28 Jun 2006
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Posts: 446



10890 Magic Points

 
Posted on Thu Mar 27, 2008 4:16 am  

Kudos to you. We helped and you tried. We salute your trial to stick to your goal. Great going.
_________________
SCOTT

Use your credit account responsibly and enjoy a debt free life.

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