The credit Repair Thread

[Mr210]

Finally going to hope on credit karma and see what it's all about. I know the score isn't accurate but it will at least let me track my accounts and check for fraud

 

[brother walt]

im happy and eating im eating happy

• brother walt
• Mar 17, 2016
• eat

 

[Mr. Negative]

just got my first credit card with 11k limit 10% interest (23 years old)

700 charged on it so far and minimum payment is due october 3rd

If i pay it all off before then and continue to do the same the next month, will my credit score be eating well brehs?

 

[mannyrs13]

Been slacking lately. Need to take these next two paychecks and cut down on some of these balances. Almost to 1k in total credit card debt. Gotta bring that down now that I'm ahead on my car note.

 

[brother walt]

man my credit sucks cant get nothing

 

[Mr. Negative]

Been slacking lately. Need to take these next two paychecks and cut down on some of these balances. Almost to 1k in total credit card debt. Gotta bring that down now that I'm ahead on my car note.

I gotta do the same. I got one card that I was only using for medical expenses (almost lost an eye 2 years ago). Right now I got 5 or 6 cards but only about 2k CC Debt.

Just got approved for an AMEX, but I'm only gonna use it to increase the limit on every 2 months and increase my debt to credit ratio.

 

[PrnzHakeem]

Any point trying to boost your score to 820? Does it even matter after 750?

Currently at 790, got about $50K in available credit between 3 cards. Tend to keep balances at $0 and I have $2K worth of school loans left. I want to pay it off but don't need to, will keeping w payment schedule for next 2 years help me?

 

[Mr. Negative]

Any point trying to boost your score to 820? Does it even matter after 750?

Currently at 790, got about $50K in available credit between 3 cards. Tend to keep balances at $0 and I have $2K worth of school loans left. I want to pay it off but don't need to, will keeping w payment schedule for next 2 years help me?

the most paying it off would actually do is show creditors that you pay on time and don't have a loan in default. Only difference maker at this point would be if you stopped paying it.

After a certain point, I think it's just bragging rights, though at high loan amounts those tenths of a percentage do make a difference.

Good job on that score, though.

I'm almost jealous.

almost.

 

[Mr. Negative]

Anyone know anything about business credit?

Dun and Bradstreet and all that?

 

[Astroslik]

?

My credit score is 800 now, what's the problem? I'm good with my money

 

[SwagmundFreud]

I just got a credit card and all of a sudden, my credit score went down 17 pts


wtf happend?

 

[Mason83]

Sub

 

[dtownreppin214]

Any point trying to boost your score to 820? Does it even matter after 750?

Currently at 790, got about $50K in available credit between 3 cards. Tend to keep balances at $0 and I have $2K worth of school loans left. I want to pay it off but don't need to, will keeping w payment schedule for next 2 years help me?

you're good breh. 790-820 is all viewed the same. it will probably go up to 800 once you pay off that last bit of student loans.

I just got a credit card and all of a sudden, my credit score went down 17 pts


wtf happend?

was there a hard inquiry when you applied for the CC?

 

[GreenGrass]

I have used resources like this thread to get more information about credit and used it to manage my credit better. Started with a $300 secured card in 2012 with no credit score now have 10k line and score in the 730 range

im 6k deep but we will get there man. stay strong, breh. i like this thread. thank you so much OP

 

[NoMorePie]

Will applying to cashmoney loans damage my credit report badly?