Smart brehs, is there anything else I can do to improve my credit?

[Smashius Clay]

Brehs, I am turning 30 in July. I was just in high school not too long ago. Where did the time go?

My credit is not good


We have all fukked up but this is something I wish I was taught in school

Brehs, give me tips on how I can improve my points because I would love to buy a house one day.

So far this are all the stuff I have done to improve;

Signed up for Credit Karma and disputed cases. Most creditors settled for a lower payment than what posted.

Got myself a Secured credit card that I shouldn’t spend more than 30% I believe right? Then pay it in full.

What else can I do?
One of my boys suggested to add lines of credit. How do I go about and do this?

Also, what other tips can a brother get that Will polish him up?

OP it's been over a year and a half, did you get your shyt together?

 

[Swirv]

Brehs, I am turning 30 in July. I was just in high school not too long ago. Where did the time go?

My credit is not good


We have all fukked up but this is something I wish I was taught in school

Brehs, give me tips on how I can improve my points because I would love to buy a house one day.

So far this are all the stuff I have done to improve;

Signed up for Credit Karma and disputed cases. Most creditors settled for a lower payment than what posted.

Got myself a Secured credit card that I shouldn’t spend more than 30% I believe right? Then pay it in full.

What else can I do?
One of my boys suggested to add lines of credit. How do I go about and do this?

Also, what other tips can a brother get that Will polish him up?

fukk credit karma breh. Get a copy of all three reports from the bureaus from myannualfreecreditreport. This will be the most accurate information.

Check out the statute of limitations laws for debt in your state, analyze whether it’s worth it to pay the debt or let it drop off your report. Once you make a payment it resets the time. So if you have a 6 year old debt that could drop drop off your report next year, and if you make a payment today, then it resets the statute of limitations clock to zero.

You can also request a credit limit increase with lenders you are in good standing with. Don’t be shy, ask for a huge increase and let them know your income is really high. A credit limit is a major boost to your overall score because it increases your available credit/debt used. Plus, it will not impact your score.

If you have to pay your debt, make a plan to pay the balance in full. Whether you negotiate a lower amount of debt owed or not, make sure that the lender records it as debt paid in full. Otherwise, settled for less than debt owed will be a drag on your score.

And place a security freeze on all three reports.

 

[Dr. Narcisse]

Brehs, I am turning 30 in July. I was just in high school not too long ago. Where did the time go?

My credit is not good


We have all fukked up but this is something I wish I was taught in school

Brehs, give me tips on how I can improve my points because I would love to buy a house one day.

So far this are all the stuff I have done to improve;

Signed up for Credit Karma and disputed cases. Most creditors settled for a lower payment than what posted.

Got myself a Secured credit card that I shouldn’t spend more than 30% I believe right? Then pay it in full.

What else can I do?
One of my boys suggested to add lines of credit. How do I go about and do this?

Also, what other tips can a brother get that Will polish him up?