help me increase my credit scores

[beanz]

I think maybe you could cosign the loan, it can be based on her credit, and you're just along for the ride. By the time you're ready to buy a place most people are all set. I'm sure you'll be fine just keep putting cash aside for the down payment or buy in cash, then you won't even have to worry about credit.

ty sir you have been a great help. daps all across the thread for u

 

[Swirv]

Yes its easy breh. Pay off or settle open debts, have the credit bureas remove negative marks on the report & increase your available credit to boost your score. Keeps cc balances low or zero. Thats the one way but there are other ways too.

 

[shhh-kull & bones]

i looked for a thread about this and could not find it.

so i have finally started to pay attention to my credit score and trying to figure out what i can do to fix it. i know there are some very intelligent and experienced dudes on the coli so im turning to you guys for tips and advice.

i currently monitor my credit on quizzle. my score is at 566. i have less than 1500 in debt which is about to get wiped out. i also have 5 negative marks and a public lien by the state of new york for taxes. my question is, once i pay off my debt, what can i do to increase my score up to 700 in as little time as possible.

i know i could just google it but i rather get real time advice from more like minded individuals.

566...ouch

 

[Domingo Halliburton]

566 isn't terrible but you might have to find somebody other than a traditional bank to lend to you (i.e. credit cards, cash advance, payday advances). don't go with a payday advance.

obama is trying to get the banks to loosen up the standards a little bit. if the recession hadn't happened the way it did these banks would still loaning out to anyone that wanted it.

get a credit card and pay for little things with it. don't go overboard just stuff you can handle. that or get a co-signer

 

[unit321]

what can i do to increase my score up to 700 in as little time as possible.

1. Never pay any organization/business who says they can help your credit score. NEVER.

2. You can try to apply for a loan. When you get it, save it, and then. pay it off early. Kind of sounds crazy to pay for loan fees and interest for a month or so for money you aren't really going to spend. But a paid off loan increases your credibility at being responsible to pay back a loan, and that will increase your credit score. I don't know how much the score will go up.

 

[beanz]

566...ouch

i never paid much attention to it and when i was young i kept applying for cellphones and never lasting more than a year paying the shyt. that plus school which i dropped out of and never paid back like an idiot

566 isn't terrible but you might have to find somebody other than a traditional bank to lend to you (i.e. credit cards, cash advance, payday advances). don't go with a payday advance.

obama is trying to get the banks to loosen up the standards a little bit. if the recession hadn't happened the way it did these banks would still loaning out to anyone that wanted it.

get a credit card and pay for little things with it. don't go overboard just stuff you can handle. that or get a co-signer

yea im thinking ima just go with a secured credit card which is what alot of people have suggested to me.

1. Never pay any organization/business who says they can help your credit score. NEVER.

2. You can try to apply for a loan. When you get it, save it, and then. pay it off early. Kind of sounds crazy to pay for loan fees and interest for a month or so for money you aren't really going to spend. But a paid off loan increases your credibility at being responsible to pay back a loan, and that will increase your credit score. I don't know how much the score will go up.

i actually heard this before. if i can actually get a loan i will definitely be doing this.

 

[aliG]

1. Never pay any organization/business who says they can help your credit score. NEVER.

2. You can try to apply for a loan. When you get it, save it, and then. pay it off early. Kind of sounds crazy to pay for loan fees and interest for a month or so for money you aren't really going to spend. But a paid off loan increases your credibility at being responsible to pay back a loan, and that will increase your credit score. I don't know how much the score will go up.

NUMBER 1 TIMES A BILLION. LISTEN TO THIS SMART MAN.

 

[Brown_Pride]

who do you bank with?
I was in your situation many moons ago and 3 things helped me out.
1. Paying off my debts or establishing payment plans.
2. Secured credit card, go through your bank though, most of the time they will convert the "secured card" to a real CC card when you show you can pay on time.
3. BLING BLING. I was told that jewelry payments help. They did for me. Get like a $200 chain, put 50 down and make sure the store reports to the bureaus. Easy payments, reporting payment history.

Once you do 2 & 3 for about 6 months get a walmart/sears/jpc/lowells store card and make purchases...keep a small balance on your cards, but not to large.

You want to show that you can have debt and still be responsible to pay.

 

[beanz]

thanks for the advice brehs, im up to 597

still flabby but 31 points in a month is pretty good. gonna be in the mid 600s once i pay off this engagement ring and NJ higher education takes down the negative account.

on my way brehs

 

[Bender Rodriguez]

if you get a cc, never go more then 30% of the balance and keep a balance. this is the quickest way to raise a score. also, pay off collections if you got any