September 5, 2009
credit score
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Follow these steps to improve your credit score in months instead of years.
Duration : 0:1:43
September 5, 2009
credit score
3 Comments »
I’ve applied in the past like a few years back for various dept. stores and was denied. Ive since quit applying for them and my credit score has risen as well. My credit score is better now in the mid 6’s. What are my chances of getting a credit card with anyone. Ive never had a credit card before can i get one now with my credit score?Who, why, what , when and where?
There are credit card companies out there that will send a card to you even if you have really sucky credit scores but have a steady income. You can probably "google" information about them.
Instead of getting a store credit card, ask your bank or credit union if they have a card (like Master card or Visa) that you may qualify for. After you get it, try NOT to use it!
When you do get a card try to pay off the WHOLE amount every month and not just the minimum amount due otherwise the debt keeps mounting and mounting and you’ll be quickly overwhelmed. Been there, done that. NOT fun!
I once read about a woman who kept her credit card in a ziplock bag in a container of water in the freezer! By the time she thawed out her card, she would talk herself out of buying whatever it was she thought she wanted and saved a lot of money.
Hope this helps–good luck!
September 2, 2009
credit score
3 Comments »
I just turned 18 in the end of October. What would my credit score be now? What does it start out as? What is the eastiest way to build your credit score? How long does it take to build your credit? Do you get points per month or what?
it starts off as nothing. If you get negative info it starts at 300 and up.
when you create credit for about 3 months you will get a score. After about 6 months it will create a history report of statistics, only for getting more credit(you will not see this).Credit depends on many things, 1 credit card on a blank credit can get you a 700 it doesnt mean banks will trust you. It takes time and accounts being paid back.
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September 2, 2009
credit score
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A credit score is calculated through considerations of payment history, duration of credit history and how much new credit has been umed. Discover how to calculate credit scores, and how much things like paying on time factor in, with tips from a financial consultant in this free video on personal finance and credit scores.
Expert: Carrie Kukuda
Contact: www.wearehdtv.com
Bio: Carrie Kukuda has a business administration degree, and was branch manager of a community bank.
Filmmaker: Christopher Rokosz
Duration : 0:1:43
August 30, 2009
credit score
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Duration : 0:9:36
August 30, 2009
credit score
2 Comments »
My credit score is at 668 and has not change in a year. I took out loans and paid them off. I am current on all my bills, car, loans, and credit cards. Why hasn’t my credit score gone up? Should i pay off my credit cards all at once again, I tried that last year but i guess that doesn’t work. What are some of your suggestions to get my credit score up, I saw an ad that said 700 is a good credit score.
Your credit score is good now. To raise it, try to keep your debt under half of what you have available. So, if one credit card have a $5000. limit, keep the balance at under $2500. (about $1200. would be even better). Pay more than the minimum payments, substantially more. Don’t apply for any more credit for a couple of years. You can pay your cards and debt off completely, but do it over a period of time, such as 6 months.
Start a savings account for emergencies. Experts say you should have 4-6 months of living expenses in liquid savings. If that seems overwhelming, start with baby-steps. Save, say, $100. per month, and don’t spend it, no matter what.
August 27, 2009
credit score
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Do you know what kind of credit mistakes are lowering your credit score? Common mistakes may be dragging down your credit score and you may not even know what you’re doing. Keep your credit card balance below 50 percent of your available credit. If you max out your credit cards every month you may be lowering your score. You can also get into more trouble if you run into late payments on your credit cards. Watch this Expert Real Estate Tips video for more common credit mistakes that could be lowering your credit score.
Duration : 0:1:7
August 27, 2009
credit score
4 Comments »
If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won’t really care about much else?
In the end it would be up to the lender as to if they would make you pay it. A lot would depend on the amount as well as the type of debt. If it was for something like a medical bill they may not, but if it is for a credit card debt they may require you to pay it off. Their biggest fear from them is if you get sued would you then have to default on the mortgage, basically making you a higher risk.
However, your credit score is based on your credit report. So if you have negative items on your report that will be reflected in your score. How much depends on several factors. But it would be out of the ordinary to have a high credit score(depending on what you consider high) if you have collection accounts.
August 24, 2009
credit score
6 Comments »
My credit score is 550, Ive never had a car, home, or furniture in my name, its just hospital bills that made my score low…Will I be able to finance a home?
You have to have a 600 credit score in order to be eligible for an FHA loan. I don’t know too much about it I just know that’s the minimum score. Also, just a bit of advice, to find out your rough price range… multiply your households yearly income by 4 
To improve your credit, apply for a PRE-PAID Visa card from their website. You can have your pay check go directly onto the card use it for a while. This will build your credit because it is still listed as a credit card on the report. There are no qualifications for the card because you put the money on it. Credit companies update your score every 3 months. This should make a big difference in a short amount of time. Also, start sending 5-10 dollars a month. This way, you are paying SOMETHING at least, which also looks good on your report. Hope this helps!
August 21, 2009
credit score
5 Comments »
say you are in good staying, never was late. always payed the balance. but you have too many credit cards let’s say. so when you cancel that credit card. what happens to your credit score? Does your credit limit you had for that card get erased from the records? after all those years of building the credit limit to help the credit score. what happens to it? and what happens to your score? i’m just curious.
There are a lot of factors affecting your credit score. Let me just break down what you mentioned and identify whether they would be good / bad for your credit score.
Never late / always paid the balance - Definitely good
Too many credit cards - This, more often than not, lowers your credit score… especially when the total card balances take up too much of the total credit line given to you.
Cancelling a card may or may not help improve your score. Say for example, you paid off that card. When you cancel the card, it will no longer be part of the cards being evaluated, so if you have a high credit limit on that card and high balance on the other cards - your ratio of revolving debt will be higher and that will surely hurt your score.
It may also affect your score when you’ve had that card for so long since length of credit is a credit score builder.
However, if that’s a recent small-balance card with a small credit line anyway, you can just pay off the balance and cut that card in bits without a bit of a worry.
