What types of credit do I need to get a higher credit score?
My credit score is about 615. I am working on improving my score so that I can qualify for a mortgage loan with low financing in about a year or so. I currently have an auto loan, and 3 revolving credit accounts. (All bank credit cards) Two of the revolving accounts are new, and the other almost a year old. My auto loan will be a year old in July of this year. Should I apply for more credit to get my score higher? If so what type of credit? What is a good mixture of credit to have to get my score higher? Any advice is appreciated. Thanks!
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Can debt consolidation reduce interest charges?
I have two credit cards that I have used over 5 years ago and never paid back. The total of the two cards FIVE YEARS AGO was $1000. Of course, by now, it should be close to $3000 because of all the interests.
What does debt consolidation do? More importantly, can it REALLY remove or reduce the interest that built up over the last 5 years?
When doing a search for debt consolidation services, I get THOUSANDS of results. Which debt consolidation services are better?
Detailed answers would be appreciated.
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I am having a problem fixing my credit. How can I repair my credit?
I am having a problem repairing my credit. I have no clear idea how to go about fixing my credit. Can somebody please help me?
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The best websites for Christian debt consolidation.
I have been reviewing different websites for help with my credit card debt. Because of religious beliefs, I am hoping to find someone that can offer Christian debt consolidation. Does anyone know who are the best Christian debt consolidators?
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I have a collection on my credit report but I don’t know what it is?
I just found out I have a collection on my credit report. I have no idea what it is or anything. I have to wait until tomorrow and call them. What would happen if I paid that? Will it lower my credit score or will it go up a little?
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How high can my credit score go with only 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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I need advice for a good debt consolidation service.
I have a few credit card that are past due and I’m not able to make the payments.
What is the best debt consolidation company to use?
Keep in mind, I’m not a home owner.
I’m not a student and actually I’m looking for a better answer than the obvious budget and make more money.
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how to go about fixing credit report?
my husband has 3 negative marks on his credit report, we tried to get in touch with the creditors and after what seemed like hours on hold, we finally got in touch, exchanged information and they said they would send over the bill, we’re still waiting and nothing has arrived so far. How do we fix our credit if the creditors won’t work with us? Is there a central agency or something where we can just pay off the debts and remove the bad marks off the report?
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What is the best site for Christian debt consolidation? Is it better than regular debt consolidation?
I have 3 different credit cards that now have over 20% interest rates because I was late on one payment. I have heard that Christian debt consolidation might be a better option than regular, but I want to make sure I select a company that is reputable.
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Will my credit score go back up once I pay an account off?
I have to pay 2,654dollars and the lady said if I pay 1,900 for a settlement she would say it was paid in full. But my question is, will my credit go back up once I paid the full amount?
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How can I remove negative items from my credit report?
I have a lot of negative items on my credit report.. what’s the best way of getting these removed quickly? If i write a letter to the creditors explaining why i didn’t make a payment.. will they remove it? im 21 yrs old and need to repair my credit.
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How do you know which debt settlement or debt consolidation program to choose, when there are so many out there?
How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.
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I am having trouble fixing my credit score. How can I do it?
I have been trying to fix my credit score for the past two weeks, but I have no clear idea about how to do it. Please help me.
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Does debt consolidation work and help improve your credit score?
I am really bad with paying bills and my credit has taken a hit these past couple years. I make enough money where I should be able to pay everything with no problem but for some reason I continue to struggle. Do you think a debt consolidation would be best for me and to help me improve my credit score? Does this really work?
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I’m trying to get a motorcycle but I have a low credit score.
I have a credit score of 615 and I’m trying to get a motorcycle or a loan for one. Please somebody help me with a site or something where I can qualify for a loan. Please, no answers about how I should pay my bills on time to get better credit, I’m a college student I have no money.
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How can I consolidate hospital bills and other non-credit card debt?
I have a lot of hospital bills that are really damaging my credit scores. I want to consolidate all of it, but I can’t find anyone who does debt consolidation without credit card debt. Any suggestions?
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What should I do about negative items on my credit report?
I just ran my credit report and there are several negative items on it. Is it better to call the collection agencies directly and work out payment arrangements or should I call the credit consolidator people. And what is the best credit consolidator to call?
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Does anyone know of a good resource for fixing credit?
I have no active accounts in my credit. I have not had anything in my name in over 2 years. Everything on my credit is old stuff that are in collections. I am going to start paying them off, but I want to do it right. Are there any tricks to know when fixing credit when you have nothing active? I went to Suzy Ormans site and she only talks about paying off things that are active…any suggestions?
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Not enough debt for debt consolidation?
I have about $6,500 worth of debt, my income after taxes is about 21,000 a year. Most of my creditors have closed my accounts (all of my credit is maxed out). I recently got my FICO score and it is 529 (very, very poor). I have called some companies that specialize in debt consolidation and I have been told that I do not have “enough debt”. I talked to a professional about bankruptcy and was advised against filing because I do not have “enough debt”. I am a renter, and do not have any assets that could be held for collateral. With my credit score being the way it is, and closed accounts on my credit record… what are my options?
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What can I do to consolidate all of my debts?
I recently purchased a home (3 months ago) and financed 100% of the home. At this point I do not have any equity in the home. I am currently looking for a way to consolidate some of my debt to lower my rate, lower my payment, and ultimately pay off the debt sooner. I have 1 car loan, 1 personal loan, and 5 credit/store cards that I would like to consolidate. My FICO score is currently 686, and I am on time every month with all of my bills. I have paid all bills on time (most of the time more than the minimum) for more than 3 years straight. My problem is that my Debt to Income ratio is probably too high for most lenders to consider me for a consolidation loan. What can I do to consolidate ALL of my debt? Any feedback would be appreciated.
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How will closing unused accounts affect my credit score?
I have 2 credit cards on my credit report that I have never used. I’ve heard that the less credit you have available the higher your score will be (less cards equals less credit to max out on). But I’ve also heard that if you close accounts it lowers your score. Should I close them?
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What’s the best company for fixing credit?
I’d like to fix my not-so-great credit and improve my score. I’m looking into the possibility of working with a consolidator or credit improvement service. I’ve heard good things about Ameridebt and Lexington Law. Any recommendations?
Note: I’m engaged to a mortgage broker so he has a lot of experience with the credit bureaus (scoring, improving credit, etc.). He also holds seminars on financial advising so I could probably do this myself or with his help, but I’d rather take it to an outside company who specializes in this. I don’t mind paying fees, unless they are astronomical.
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What other choices do I have besides debt consolidation?
I have a question regarding debt consolidation. I have about 15k worth of debt and I have tried applying for a debt consolidation loan at two companies, but I was denied both times. I thought about trying what one of the other posters suggested, writing to the individual companies threatening a voluntary bankruptcy order. I have about 10k in the bank, but I don’t want to borrow from that lender because I wouldn’t be able to use the money in my account. My credit is only good. What other options do I have? Thanks
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Can I get an 850 credit score?
I have a visa credit card with a credit limit of 15K$
An Amex card with a credit limit of 10K$
I spend around $3k total on both cards in a month.
Before the due date, I pay off the entire amount -3k$ ( no finance charges ).
I don”t have any other loans.
My credit score is 690
How likely do you think that I will have a score of 850 in 2 years with this pace?
Is the high credit limit a factor in my score ?
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Will paying half my debt help my credit score?
How much will my credit score increase if I were to pay off 50% of my credit cards within a 2 month time frame? My current credit score is 568 and I’m hoping to increase it to 700 
I’m planning on getting a car by the summer and I want a great credit score…
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The Attorneys Guide To Credit Repair
The most effective credit repair methods available today! Learn how to remove judgments, liens, charge-offs, slow-pays and even bankruptcy from your credit report.
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