2010 February

how long to improve credit score to 760 or above?

On February 26, 2010, in Credit Repair, by admin

trashelle_miro asked:

My credit score is 662. I have around $7,000 in credit card debt, which can be paid in 5-6 months. My husband’s car will be paid off in a couple of months. I just purchased an used Audi, which will be our only debt. How long will it take to improve my score to 760 or above in order to buy a house in March?

Earnest

Should i have a credit card and pay promptly to improve credit score?

On February 26, 2010, in Credit Repair, by admin

devilish asked:

My spouse has a credit card in her name and we both are paying it promptly , i was wondering if i need to have one on my own to improve my credit score !! any thoughts?

Harold

Tagged with: Credit Card • Credit Score • Improve Credit

cancel credit card or keep it open to improve credit score?

On February 25, 2010, in Credit Repair, by admin

Anna C asked:

I am about to finish paying of my high interest credit card. I have had the account open for 10 years. I know the longer you have had it open, the better, but if I am not using it anymore,should I still keep it open (with a no balance and lower available credit) or just cancel it all together? Which would improve my credit score the most?

Demetrius

Tagged with: High Interest • Improve Credit

help me make payments to improve credit score what should i do?

On February 21, 2010, in Credit Repair, by admin

Martin M asked:

ok so i have 3200 debt on a cc with credit limit of 6000. an other cc with balance of 160 and credit limit of 300. and other with 1300 and a credit limit of 1500. i have 1500 cash right now how should i devide the payments… please help me but the whole purpose is to improve my credit score.

Eddie

Tagged with: Credit Limit • Credit Score • Improve Credit

How long to improve credit score?

On February 21, 2010, in Credit Repair, by admin

Nik asked:

My husband and I are trying to purchase a house. He has a decent salary and we can afford it. I pulled our credit yesterday to see that his credit score is a 585?! We have had all of our major debt paid off for 12 months now. There is one credit card with a nearly maxed out balance (but still only $1000) and a medical bill in collection for $60. Our new plan is to pay down the credit card to $300 over the next two or three months and take care of the $60 debt. How long will it take for his score to improve? We’d like to wait for it to get better before we apply for a loan. Any other credit score raising tips would be appreciated!

Celia

Tagged with: Credit Score • Decent Salary

Best way to pay off credit cards to improve credit score?

On February 20, 2010, in Credit Repair, by admin

peersignal asked:

As a college student, I’ve racked up some credit card debt. I have never missed a payment, and have always paid at least $5-10 over the minimum amount.

My grandfather recently passed away and he left me quite a large sum of money. What would be the best way to pay off these credit cards? Should I pay half one month, and then half the second month?

The goal here is to a) settle my credit card debt, and b) improve my credit score. The inheritance money will be released to me monthly until the amount expires (around $500 a month for the next 10 years). Any guidance/suggestions are greatly appreciated.

Arlene

Tagged with: Cards Credit • Guidance • Inheritance

i just got my credit card and how do i improve my credit score to buy a motorcycle?

On February 16, 2010, in Credit Repair, by admin

playa asked:

i just got this credit card like one week ago and it has a $500.00 limit and i would like to know whats the best to way to improve credit score and how long does it take?

Bernard

Tagged with: Buy Motorcycle • How Do I Improve My Credit Score • Improve Credit

What is the best way to improve credit score if I have no credit?

On February 14, 2010, in Credit Repair, by admin

s1sm00n asked:

I am debt free and have been since my bankruptcy over 12 years ago. I recently looked into getting a mortgage, but was told I can’t get one because my credit score is too low. I went on freecreditreport.com and got a copy and there are some things on there that are not identified, and I don’t know what they are. So, how do I have those removed? I am assuming that will improve my credit score so I can get a mortgage. Advice is appreciated!

Adrian

Tagged with: Credit Score • Getting A Mortgage • Mortgage Advice

does paying a credit card in advance improve credit score?

On February 10, 2010, in Credit Repair, by admin

super1 asked:

I have a 9,000 debt on my cc and I send in about double of what the minimum payment is. My current credit score is 705 and Im 21. I want to improve the score since my credit used to be 725. so will paying in advance INCREASE MY CREdit score?

Carey

Tagged with: Credit Card • Credit Score • Minimum Payment

If using consulting service to improve credit score and eliminate debt, when should I buy a car?

On February 9, 2010, in Credit Repair, by admin

mrsmoultrey asked:

I am currently without a car and am now using a consulting service to improve my credit score as well as eliminate my debt and I would like to know when should I buy a car? Should i wait a couple of months? Four months?

Alexandria

Tagged with: Buy A Car • Buy Car • Consulting Service

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