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TravFlex91
New member
Anybody know any??
Quick ways to improve credit score?
- Thread starter TravFlex91
- Start date
captainahole
New member
Use credit cards and pay off monthly or borrow cash and pay off after just a payment
mistaballoonhands
Banned
build a time machine, go back and fix your screw ups
yes actually...unless we're talkin a few days, then no...not likely
theres a special circumstance with home buying and paying a broker to have your accounts updated or some other such thing but otherwise...no
go to creditboards dot com and read...if your credit is pretty damaged you can jump 100 points or better within a cpl of months
an instant(30 days no effort) fix is credit utilization, pay everything down to under 10% utilization with some cards showing nothing...you can tag on as an authorized user on to an account with someone that has a long standing card ..which will improve your age of good credit (gotta be a card with no balance and good payment history)
theres tons of little tricks to fuck with your FICO
there used to be loop holes in getting credit inquiries off your reports which can raise your credit rather quickly
and lastly...look over your reports closely...chances are there are errors...there are ALWAYS errors and theyre probably not helping you
I had several ss#s on my reports from when my identiy was stolen some 15 yrs ago...for whatever reason the extra socials showing up arent supposed to effect your score but my credit score jumped twenty points when it was deleted
don't dispute stuff if there are errors on your reports without reading up at creditboards first, you can screw yourself pretty badly
its a lot of info to take in but its totally worth it...and before anybody tells you you can't (especially from here) I can promise you it can be improved and fairly quickly
theres a special circumstance with home buying and paying a broker to have your accounts updated or some other such thing but otherwise...no
go to creditboards dot com and read...if your credit is pretty damaged you can jump 100 points or better within a cpl of months
an instant(30 days no effort) fix is credit utilization, pay everything down to under 10% utilization with some cards showing nothing...you can tag on as an authorized user on to an account with someone that has a long standing card ..which will improve your age of good credit (gotta be a card with no balance and good payment history)
theres tons of little tricks to fuck with your FICO
there used to be loop holes in getting credit inquiries off your reports which can raise your credit rather quickly
and lastly...look over your reports closely...chances are there are errors...there are ALWAYS errors and theyre probably not helping you
I had several ss#s on my reports from when my identiy was stolen some 15 yrs ago...for whatever reason the extra socials showing up arent supposed to effect your score but my credit score jumped twenty points when it was deleted
don't dispute stuff if there are errors on your reports without reading up at creditboards first, you can screw yourself pretty badly
its a lot of info to take in but its totally worth it...and before anybody tells you you can't (especially from here) I can promise you it can be improved and fairly quickly
we actually had a dude on credit boards make another board member (total stranger) an authorized user on on a crazy old amex he had ..like a twenty yr card or something
as an experiment...
her scores jumped 100 points in the next reporting cycle
fico is incredibly easy to game, just gotta know how
makes the whole thing pretty flimsy really...the idea of a 'score" showing your credit worthiness
as an experiment...
her scores jumped 100 points in the next reporting cycle
fico is incredibly easy to game, just gotta know how
makes the whole thing pretty flimsy really...the idea of a 'score" showing your credit worthiness
themondtster
New member
Two credits cards with very low balance. So pay em off if you got them and get rid of the high interest ones if got more than two. Dispute all past BS on your account and sometimes they'll remove stuff. Just make up some shit about you paid that off or settle the debt. Most of the times if its over 3-5 years they just drop it if its not major. Buy a house! It'll jump that sucker up big time....but have to have decent credit in the first place to het a good interest rate. Long good accounts are great. Don't have too many credit checks and if have a bunch you can contact the credit bureaus and tell them it wasn't authorized, you were just browsing or something.
I've done half of these and it worked. Disputed a bunch of old stuff and hard inquiries, payed off my credit card, and opened a new line of credit and kept it low(0), then bought a house.
Mine jumped up quick over about 6 months. The credit cards will show the quickest. Then any disputes that go through as they usually take a few months, then from there its whatever.
Most banks, and the online credit agencies have advice to help. I'd check with them on your specific credit problems.
I've done half of these and it worked. Disputed a bunch of old stuff and hard inquiries, payed off my credit card, and opened a new line of credit and kept it low(0), then bought a house.
Mine jumped up quick over about 6 months. The credit cards will show the quickest. Then any disputes that go through as they usually take a few months, then from there its whatever.
Most banks, and the online credit agencies have advice to help. I'd check with them on your specific credit problems.
do not have your cards over 50% available credit, pay on time or a day or two before, if you can avoid carrying a balance even better, open a secured car or get a secured loan and pay it off on time, if you get the Walmart card and enroll for e-statements they will give you free monthly fico scores montioring and advise on what is hurting you and what you need to get you personal score better.
I went from non credit to a 680 in 6 months, 720 after a year
I went from non credit to a 680 in 6 months, 720 after a year
