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Started By
Message
Best way to boost my credit score
Posted on 11/20/20 at 10:31 am
Posted on 11/20/20 at 10:31 am
Any suggestions on how to boost my score?
I'm hoping to buy a house in Oct 2021.
2016 and 2018 were shitty years for me, and I had some late bill payments.
Things have dramatically improved for me this year. Can I just throw money at this problem? If so, let me know how.
I'm hoping to buy a house in Oct 2021.
2016 and 2018 were shitty years for me, and I had some late bill payments.
Things have dramatically improved for me this year. Can I just throw money at this problem? If so, let me know how.
33
Posted on 11/20/20 at 10:33 am to St Jean The Baptiste
Become an authorized user on a very old, well paid, Credit Card. Maybe a family member can help you out with this.
This post was edited on 11/20/20 at 10:36 am
Posted on 11/20/20 at 10:33 am to St Jean The Baptiste
Buy a 4 wheeler on credit baw
Posted on 11/20/20 at 10:34 am to St Jean The Baptiste
Rick Flair Cameo
Posted on 11/20/20 at 10:34 am to St Jean The Baptiste
The best way to boost your score by a lot is to pay off debt fast. If you have some debt - especially credit card debt - and you have the money sitting somewhere that you can use to pay it off, do that. Your score would increase dramatically.
Posted on 11/20/20 at 10:34 am to St Jean The Baptiste
use multiple credit cards a month and pay off the monthly balance for each card. Was in the same boat as you several years ago and this jumped my score up
Posted on 11/20/20 at 10:34 am to el Gaucho
My son would appreciate that.
Posted on 11/20/20 at 10:35 am to St Jean The Baptiste
Always best to not take out any credit lines for 6 months prior to applying to get a home line of credit.
Posted on 11/20/20 at 10:36 am to St Jean The Baptiste
Take out a few pay day fast cash check advance loans and pay them off at the end of the week
Posted on 11/20/20 at 10:36 am to St Jean The Baptiste
Increase the limits on Your current cards, pay all cards down as low as you can.
Posted on 11/20/20 at 10:36 am to St Jean The Baptiste
Posted on 11/20/20 at 10:38 am to St Jean The Baptiste
Post this on the Money Board for starters.
Posted on 11/20/20 at 10:39 am to St Jean The Baptiste
Make sure that any credit line that you have is not near the max credit limit. You get dinged fairly well if you have a $9,995 balance on a $10k limit credit card.
Minimize the amount of credit pulls.
Minimize the amount of credit pulls.
Posted on 11/20/20 at 10:42 am to WhoGeaux
(no message)
This post was edited on 1/10/21 at 11:39 pm
Posted on 11/20/20 at 10:44 am to St Jean The Baptiste
Fake your own death and steal someone with good credit's identity
Posted on 11/20/20 at 10:45 am to efrad
quote:pics of your slam piece?
my girlfriend (now wife)
Posted on 11/20/20 at 10:46 am to jpcajun
eta: Most obvious and most important factor, keep credit usage under 10%
I don't think using cards matter as long as the account is still active.
Request credit line increases on all active accounts.
Pay off delinquent debt. Contact debtors and ask for either a good faith removal (best option if you've already paid off the delinquent debt) or a pay for deletion if paid in full. Debt collectors don't like going this route because it's shady on their part, but it doesn't hurt to ask.
Also, with the new FICO scores, paid off accounts don't affect your raw score.
If you know how your anticipated lender calculates the score, it might be better to just pay things off immediately.
quote:
use multiple credit cards a month and pay off the monthly balance for each card. Was in the same boat as you several years ago and this jumped my score up
I don't think using cards matter as long as the account is still active.
Request credit line increases on all active accounts.
Pay off delinquent debt. Contact debtors and ask for either a good faith removal (best option if you've already paid off the delinquent debt) or a pay for deletion if paid in full. Debt collectors don't like going this route because it's shady on their part, but it doesn't hurt to ask.
Also, with the new FICO scores, paid off accounts don't affect your raw score.
quote:
Additionally, FICO 9 ignores accounts in collections that have a zero dollar balance. If you had a credit card account go to collections but later paid it off, FICO 9 will no longer use said collections account against your score. This is different than FICO 8, which factors all collections amounts of $100 or more into your FICO score—even if they’re completely paid off.
If you know how your anticipated lender calculates the score, it might be better to just pay things off immediately.
This post was edited on 11/20/20 at 10:49 am
Posted on 11/20/20 at 10:47 am to St Jean The Baptiste
Posted on 11/20/20 at 10:48 am to St Jean The Baptiste
Experion Booooooost
Posted on 11/20/20 at 10:50 am to St Jean The Baptiste
quote:
2016 and 2018 were shitty years for me, and I had some late bill payments.
You’ll still get a loan, but your interest rate will suck
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