How to raise your credit score after credit cards are paid off
How can I raise my credit score once both of my credit cards have been paid off? I don’t plan on using either one of them unless it’s an emergency, but I don’t know how to keep raising my score after that. Is there a way to get negative reports taken off my credit report?
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What types of credit accounts are needed to get a high credit score?
I would like to improve my credit score (it’s about 615) in order to qualify for a mortgage with a low interest rate in about a year or so. I currently have an auto loan and three revolving credit accounts (all bank credit cards). Two of the credit cards are new and the other one is almost a year old. My auto loan will be a year old in a few months. Would my score go up if I apply for more credit? If so what type of credit? What is a good mixture of credit to have to get a higher credit score?
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I need a good credit repair company to help me fix my credit.
I want a credit repair company to help me repair my credit and raise my credit score. There are so many companies online but I don’t know how to make sure which ones are any good. Can someone help me choose a reputable company?
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How do I improve my credit score?
Three years ago I went crazy and opened five store credit cards to save money with the initial discount on my purchases. This must have hurt my credit score because I don’t have any late payments or anything else that would have lowered it. I would like to improve my credit scores so I’m looking for answers to these questions:
1) How long will it take before those inquiries fall off my credit report?
2) Would closing any of these store credit cards increase my credit score?
3) I owe over $50,000 in student loans that will hopefully be discharged soon due to my disability. Will the student loans being discharged increase my credit score?
Thank you for your answers.
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Can credit repair companies really do what they claim?
There are so many credit repair companies and they all claim that they can practically perform miracles. Do they really do what they advertise? Which ones have good credentials? Does anybody have any good or bad experiences with their services?
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What information should be included in a dispute letter to the credit bureaus?
I disputed a few items on my Equifax credit report and they were taken off. These same items are on the other two reports but the only way to file a dispute with TransUnion and Experian is to write a letter to them. What information should I include in the letters? I just want to know the steps I should take to ensure an expedient outcome without having to write multiple letters to each one.
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Mortgage companies that also do credit repair
I would like to refinance my home but I have a few negative items on my credit report. Are there any good mortgage companies that will do both refinancing and credit repair?
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Looking for a legit credit repair company
My husband and I are looking to buy a house in about 6 months so we would like to fix our credit fast . So many credit repair companies claim that they can remove bad items from your credit report. Has this worked for anyone? If so, which company and how much did your credit score increase? How long did it take?Also, how much did it cost to have this done?
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Can credit repair be done in less than one year?
I would like to repair my credit rather quickly. Would it be possible to improve my credit scores and get everything cleaned up within six to twelve months? How likely is it to do this?
Thanks.
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Is opening four accounts bad for my credit score?
I just opened four accounts at four different jewelery stores. I had to do this in order to know how much I would be approved for. Anyway, do those accounts get factored into your credit score? I haven’t bought anything with any of the accounts though.
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Would paying off a small student loan help my credit score?
I have student loans of $34K and $650. If I pay the smaller one in full will it improve my credit score?
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How can I start a credit repair business?
What are the best ways to start a credit repair business?
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How can I speed up the process to increase my credit score?
I am a 70 year old man and I have a chance to purchase a new 3 bedroom house for payments that would be less than my current apartment rent. When our Government bailed out the banks, I stopped paying on my credit cards thinking that I would never need a good credit rating for the rest of my life. Because of my limited income, I will never apply for another credit card. On one credit card I have a judgment against me. Two weeks ago I paid all of them off, including penalties. My credit score needs to be raised from 580 to 620 in order to get this home loan.
My question is, would it help to expedite the process if I would send to the three credit reporting agencies copies of my last credit card statements, collection agencies statements and bank statements with the details of the collection agencies withdrawal transactions?
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Can I repair my own credit?
Do credit repair companies work or could I repair my own credit? If I do it myself, how could I do it successfully? I want to build or buy a house for my family. I make about 60k a year and my wife and I have seven kids so it’s very important that we get a good interest rate or we’ll never be able to afford the payments. One of our kids had to have 5 brain surgeries right after she was born and this ruined our credit. Any suggestions would be appreciated.
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How will applying for credit affect my credit score?
I applied for 3 credit cards last year to build my credit but I was denied. I applied twice for paypal and once for chase this year. How will this affect my credit score? I’m 21 yrs. old
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Is there any way for a credit repair company to set up an account to pull credit for its clients?
I am trying to start a credit repair company but I have not found a company to go through to pull credit. All the companies seem to only work with mortgage companies. HELP!
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Would debt consolidation hurt my credit even though I’m up to date on my credit card payments?
I’m not behind but I would like to settle because of the new interest rates. Right now, my monthly payments are not reducing the principle.
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I have helped people repair their credit but how can I turn this into a business?
I am a mortgage loan modification officer and always send customers who have credit issues to a credit company to clean off their credit. I know people can do this on their own, but many do not have the knowledge and time to do it. I have also cleaned customers credit myself including mine and my wife’s as well as friends and family members, but I have been doing it for free. How do I go about opening my own credit repair company? Where do I start?
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Where can I get my credit score without using a credit card?
I want to find out my credit score, but in order to do it on “freecreditreport.com” or similar sites I need a credit/debit card to get the report! I thought maybe I could from one of the credit bureaus but no luck yet! PLEASE if you know of any way that I can find out without using any sort of account that would help! (I canceled my bank account and all my credit cards is the reason why)
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Credit Repair: Are there any certification programs I can take to learn how to do Credit Repair?
I would like to learn how to do credit repair. Are there any certification programs? Any suggestions would be highly appreciated. Thank you.
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How high can my credit score go if I only have credit cards in my credit history?
My current credit score is 745 and I’ve built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the absence of installment loans will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score since I am planning to apply for a mortgage in the near future?
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Do credit repair services work? Which is the best agency to go through?
I have paid for all of my old collection accounts and I’m just waiting for them to drop off of my credit reports. I’ve been looking into credit repair services on line and wondering if they can actually help. All of the items on my reports are actually MINE and I did actually owe them, but they are all FINALLY paid off. Is there any hope to get them removed quickly?
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Why can't I receive my credit score?
So I have tried to use Equifax and Experian to obtain my credit score online, but upon receiving my results I was told that my identity could not be proven with the information I provided. I made sure I provided correct information, so I do not understand why I am getting these results.
Additionally, I am 18 and I do not own a credit card nor have I ever owned one, but I own a debit card. Any help would be appreciated.
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Will a debit card repair credit like a credit card does?
Does a debit card repair credit in the same way that a secured credit card does? If not, what’s the best secured credit card out there (lowest cost, etc.)?
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Would buying things on credit increase my credit score?
Should I buy things on credit to increase my credit score even though interest is high?
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I want to repair my credit. Will paying all my debts in full help?
I want to repair my credit. I know this will take some time however, I have come into some money and I want to pay off everything that’s on my credit. If I do this what will happen? Will they be removed? Will my score go up? I’m clueless as to what will happen after I pay them all off. I’m only in debt by $3000.
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Where Do I Start With My Credit Repair?
I have no idea where to start to repair my credit. They are always offering free credit reports but I am leery of that. Could someone please tell me where to start?
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How long before my credit score improves after correcting errors on my credit report?
My husband had 49 errors corrected on his Experian Credit report today. Only one is being investigated because it is a judgment. These were all errors due to 3 other people being lumped into my husband’s credit report. It was corrected easily over the phone, but I forgot to ask how long until the changes are reflected in his credit score. I know the investigation into the one judgment that needs to be removed will be 30 days, but what about the things that were removed today?


