How to raise your credit score after credit cards are paid off

August 30, 2011 · Posted in Credit Repair · 4 Comments 

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?

    August 17, 2010 · Posted in Credit Repair · 11 Comments 

    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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    How can I speed up the process to increase my credit score?

    May 10, 2010 · Posted in Credit Repair · 4 Comments 

    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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    Where can I get my credit score without using a credit card?

    April 27, 2010 · Posted in Credit Repair · 5 Comments 

    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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    How is the "Average Account Age" in the Equifax credit report calculated?

    April 22, 2010 · Posted in Equifax Credit Report · 5 Comments 

    I have a combination of Open, Closed, Revolving, consolidated and unconsolidated student loans, and a couple credit cards I have never used. I have averaged these in many different ways but have not yet arrived at the “Average Account Age” that is reported in the Equifax credit report. For those who haven’t purchased their report, an “average account age” is given, and the longer it is, the better for one’s credit score. Hopefully someone who has a simpler credit history can shed some light on how it is calculated. Thanks!


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