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

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

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

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

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

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

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

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

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

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