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Improve Your Credit Score With Secured Credit Cards

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Jack
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Subject: Need Credit
 
Posted on Tue May 26, 2009 6:01 pm  

Hi,



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johnny
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Subject: credit score
 
Posted on Tue Aug 25, 2009 11:08 pm  

i have a credit mid score of 597, how many points will raise my credit automaticly for getting a millinium secured credit card
carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30060 Magic Points

 
Posted on Wed Aug 26, 2009 5:52 am  

Hi johnny

Quote:
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
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Posts: 45



1210 Magic Points

 
Posted on Wed Aug 26, 2009 4:40 pm  

Yes as someone suggested , bankrate.com is good site and you can capture all information through this site.

Best luck
JaySmith



Joined: 27 Aug 2009
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Posts: 5



97 Magic Points

 
Posted on Thu Aug 27, 2009 2:21 am  

Just live within your means, be patient and watch your score rise. Everyone lives in a "I want it now" world.
Arya



Joined: 19 Aug 2009
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Posts: 45



1210 Magic Points

 
Posted on Fri Sep 04, 2009 4:59 pm  

Hi,



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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: improve credit score
 
Posted on Sun Sep 06, 2009 8:06 am  

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.
sunnyca



Joined: 10 Sep 2009
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Posts: 148



955 Magic Points

 
Posted on Fri Sep 25, 2009 12:48 am  

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
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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1916 Magic Points

Subject: credit
 
Posted on Mon Sep 28, 2009 11:04 am  

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!!
jassica



Joined: 13 Sep 2009
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Posts: 76



25 Magic Points

 
Posted on Mon Oct 05, 2009 2:49 pm  

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.
sunnyca



Joined: 10 Sep 2009
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Posts: 148



955 Magic Points

 
Posted on Sat Oct 10, 2009 6:00 pm  

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
owen
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Subject: None of you answered the question
 
Posted on Wed Aug 11, 2010 1:58 pm  

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.
Aaron

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Joined: 08 Feb 2010
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48565 Magic Points

Subject: credit score
 
Posted on Fri Aug 13, 2010 10:31 am  

‭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
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Posts: 5
Location: London


137 Magic Points

 
Posted on Mon Aug 16, 2010 3:27 pm  

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

Aaron

Joined: 08 Feb 2010
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48565 Magic Points

Subject: repair credit
 
Posted on Tue Aug 17, 2010 9:22 am  

Hi kakucis,

Quote:
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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