Credit Repair Advantage

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 Im hoping to increase it to 700 :) Im planning on getting a car by the summer and I want a great credit score...

What credit score is needed to get the best fixed rate for consolidating accounts? Any suggestions on how to raise credit scores in the range of 597-607 received from all 3 credit reporting agencies. I have 2 mortgages which was done by the mortgage company a couple years ago to help my credit and both have high rates, 1 car loan, 5 credit cards, and a small loan company. I have been paying more on my credit cards the last 3 or 4 months to get the balances down. I want to consolidate the mortgages and the car loan in the future. But, not sure how high a credit score needs to be for the best fixed rate. Thank you for any help.

How can you raise you credit score even when you pay on time? Ok, past credit messed me up. I have a judgement thats almost paid off. I am trying to raise my credit score.I have 3 new accounts that I've paid on time for over 1 year. I read that one way to raise your score is to " piggy back" on a relatives good credit ( have them add me to one of their good accounts and not use it) Is this safe, is it legal. I would love to hear constructive ways to increase my credit score. Please don't judge me. Almost all of my " bad" credit accounts have been paid off. I put my sons first when the divorce came. They lived in the house that I paid for while I lived in a basement.

How high can my credit score climb if I have 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 abscence of installement-paid loan 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?

Is there a credit score reporting agency that can give me my credit score? I really need a company that will tell me how to improve my credit score on MY specific credit report, not general tips.

What types of credit is needed to get a high 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 a person's score higher? Any advice is appreciated. Thanks!

How much will my credit score go down by applying for a new card? I would prefer answers from people who work in the credit industry and can tell me roughly the number of points, and how long it will take for my score to recover once the new higher available credit kicks in... I know part of your credit score is determined by how much available credit you have. I closed several cards a few years back before I knew it would hurt my score, and now I have very little credit available. I have excellent credit otherwise, and pay off anything I charge the next month. However, I do have a balance I've been slowly paying down, and want to open a new card so that my balance takes up less of a proportion to my total credit debt. How much will this ding my credit in the short term? And how long will the point drop last?

How do I switch credit cards and not affect my credit score? I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don't need these credit cards and I would like to cancel them and have this "possible credit" to go towards the new card. I heard once that canceling a credit card has a negitive effect on your credit score. Is this true? If so, how do I switch credit cards and avoid affecting my credit score in a bad way?

How my credit score will be affected if I do the followings? 1. If I apply for a new credit card (visa signature) but cancel my old visa card? If my current credit score is 750, what will be my score after doing so?

What happens to your credit score when you cancel a credit card? 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.

What matters more your credit score or the contents of your credit report? 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?

How high can your credit score go up after being very low? My credit score is around 500. I'm 21 years old and I have made some pretty poor decisions regarding my financial obligations. (PLEASE, do not post any negative information or comments telling me to get back on track and how important good credit is. I KNOW THIS and since March of this year, I have gotten back on track.) How much can my score go up after I continue paying my bills on time and get some bills out of collections? Thanks.

What kind of credit score do you need to get a charge card for a dept. store in the mall? 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?

Why is my Experian credit score different on the TransUnion website? I am currently enrolled in Experian credit monitoring. I signed up to get all 3 scores from TransUnion just to see if there was a difference and there is! My score on the Experian site is 75 points higher than the one TransUnion shows as my Experian score. How can that be?? Shouldn't they be the same?

What is the credit score threshold for a credit card? My credit is around 570. I would like to increase it, but I was wondering what the cut off between "bad" & "not so bad, sorta fair" credit was, as I am planning on applying for a card to increase my score RESPONSIBLY. After paying off all of my debt ( which made me feel GREAT!!!), I need to rebuild my credit. Suggestions?

How does building a credit score work in the US? Hi, I moved from Europe to the US 2 years ago. Just tried to buy a house. Unfortunately i had no credit history in the US. Therefore i did my best to get a credit card to get a credit score (which i did 4 months ago). I now have a credit score of 653. Look quite bad no? Is it a bad score because my credit card is too recent?

What is a good credit score and how to improve it? Sorry, multiple part question: What is the highest credit score possible and what is the lowest possible? What can you do to improve it? And the myth that using your ATM Debit card as credit can actually improve your credit score, is it true?

What does your credit score generally have to be in order to secure a good mortgage rate? I have cleaned up my credit and my score is 661 right now. Should I wait until it gets over 700 before applying for a mortgage? Is there anything else I can do (besides paying bills on time) to get my credit score up a little higher? I did get approved but at a 12.9% rate and would rather rent and wait until I got higher.

What happens to my credit score if I get married? I'm in my late 20's and my soon to be husband is in his early thirties. I have credit card debt, but I'm working on it. I have a couple bank accounts. I also have a really good credit score. My soon to be husband filed for bankruptcy a couple years ago after he got divorced to avoid paying for bills his wife wasn't paying. He doesn't have a credit card. He does have a bank account. I have no idea what his credit score is. Will my credit score be affected when we get married? Should we share a bank account when we get married? Note: His wife bought things and then didn't pay for the bills for them. They were items she bought and used when they were separated. He didn't see or use them. When she didn't pay for them the creditors came after her. She claimed she wasn't working and then they came after him after they were divorced. He was advised to file bankruptcy so the creditors would stop going after him.

How long does it take to get your credit score up after you file for bankrupcy ? Someone I know recently filed for bankruptcy not even a year ago. And she throws it in my face that her credit score is higher than mine and that she can get a house and I cant. I dont have anything wrong with my credit score and never filed for bankruptcy I just have a couple credit cards. Really how long does it take to increase your score? And dont banks look down on people that file?

What should my credit score be in order to get a good APR on a new vehicle? I am looking to buy a small SUV sometime in the fall/winter but know that I need to improve my credit score in order to get a better APR than I have now. What credit score are most vehicle lenders looking for?

How much does old bad credit affect your credit score? I have 5 negative reportings on my credit report. None of them are after the year 2004. I am wondering since there over 4 years old, how much are they affecting my credit score? And, has anyone ever heard of credit card companies deleting accurate late pays if asked?

What credit score must I have to qualify for a prime home loan? Right now I qualify for a sub-prime loan but want to get a better interest rate, so that means I need to improve my credit score.

My credit card balance is over 50%. How long will it take my credit score to go back up? Hi. I recently just got my first credit card ever and used it to make a $1600 purchase. The credit limit is $3000, so obviously I'm over 50% of the balance, and I just learned that's bad for credit scores. I expect to be able to pay off the purchase in the next two or three months. Will my credit score go back up immediately after I get the balance on my card down, or will it take a while? Thanks.

What impact does closing credit cards have on your credit score? What impact does closing credit cards have on your credit score? I have a number of credits that I am not using. What impact if any would closing some of these accounts have on my credit score?

How much can your credit score increase in six months to a year? If you are paying bills on time, not opening new lines of credit and decreasing debt (student loans, etc), approximately how long would it take for your credit score to increase by about 100 points? I know this is not exact, but is it closer to six months or two years? Thanks!

How soon does your credit score go up after you payoff your credit cards? I have 4 cards with balances on them and will be paying them off next month. How soon will that reflect on my credit score? These cards have been open for a year.

What goes into determining your credit score and what causes it to go up and down? Being fairly new to credit I know most of the basics. When I comes to credit score though I keep hearing different stories. What really goes into finding your credit score and does it go down ask to know what it is?

Only 1 credit agency is reporting a score for me, how do I get the others to report a score for me? I have an excellent credit score @ 774, but only Experian is reporting a score for me. How do I get Equifax and Trans Union to report also?

How is my credit score affected after I get approved for a mortgage? I have been paying for my new mortgage for 2 months now, and noticed that my credit score went down more than 50 points since the mortgage loan appeared on my report. Why is that???

What does my credit score have to be in order to buy a house? I am preparing to buy a home within the next six months or so. I need to know what my credit score needs to be in order to qualify for a decent loan.

What is the lowest credit score do you have to have to lease a car? I'm in the market to buy another car. Currently driving a 2001 Lexus RX300 and the new has worn off. Was wondering if it was possible to lease a car with a less than perfect FICO score of 652. The only reason why I was considering is because I want to buy at least a 2003-4 BMW X5 but I prefer a brand new one but I don't have the cash or dare need a car payment that high for a 45k vehicle! I've heard leases are generally only approved for people with great credit but I have heard of people with less than perfect credit leasing cars but I was wondering approx. with what score?

How does the credit score point system actually work? I want to know how do they determine the credit score point system. I know what is credit and how it works. But I want to know the numbers part like if someone runs your credit report it takes off 2points from your score, another is what if your late on your payment how much does it take off then and if I have a loan for a certain amount does that mean I get a big score or a low score? I have some old accounts (5yrs old) that need to be paid off but if I do pay them off will it really make a difference on my score? Next thing you know I pay them off and then my score only goes up by 4 or 5 points or will I even get a point. What would be the purpose then? At the same time if creditors do look at my report yes it would show paid off but the history would still show that I was delinquent for 5yrs. Whose gonna want to give me a loan any ways? Basically what is the point system and how is it calculated? Let me know so I can start to repair my credit. Much thanks and I appreciate it!!!

What credit score is needed to rent an apartment? I need to get an apartment ASAP but last I checked my credit score was 615. I recently consolidated my student loans (I'm still in college) and was told that would help it. What does my credit score need to be in order for me to get an apartment?

What credit score do you need to have to rent an apartment? I want to move in with a friend of mine, who's apartment is run by a large company. I know they will do a credit check. My credit score is a 629... not the bottom, but not great. Do you think they'll be okay with that? To complicate matters, this company already approved me for a lease several months ago, but that fell through... I believe my credit was higher then. I really just don't want to be stuck with nowhere to live. Please help, especially if you really know what you're talking about!

How long to improve credit score? My husband and I are trying to purchase a house. He has a decent salary and we can afford it. I pulled our credit yesterday to see that his credit score is a 585?! We have had all of our major debt paid off for 12 months now. There is one credit card with a nearly maxed out balance (but still only $1000) and a medical bill in collection for $60. Our new plan is to pay down the credit card to $300 over the next two or three months and take care of the $60 debt. How long will it take for his score to improve? We'd like to wait for it to get better before we apply for a loan. Any other credit score raising tips would be appreciated!

What does your credit score need to be in order to buy a new car? My husband and I are buying a car jointly, but we don't have great credit because we recently purchased a house and various things that made our credit take some big hits. Is there a particular score that they look for when you buy a car?

How do you lower your credit limit without lowering your overall credit score? I have only have one revolving credit card, and I have a very high credit score. Because of this overall score they subsequently increase my credit line, even though I don't ask for or use this revolving line of credit. Question? I have been told if you ask for a credit line decrease they lower your overall credit score? Why? What can you do to minimize a lowered credit score?

What range of credit score is acceptable for renting an apartment? My company is closing here in California next May and I will be relocating to Austin in either mid-Aprl or May 1st of next year. I have been with my company for 23 years and am looking for a 4-6 month rental until I purchase a home. My current credit score is fair-good due in part to a divorce a couple of years back. As I have never rented an apartment before, always a home, I am not familiar with the credit requirements, I have heard they are very stringent. If I would not qualify, any advice you might have to offer would be greatly appreciated.

What does my credit score have to be to get a Walmart credit card? I want to get a Walmart credit card...My credit score is not the best but not the worst either...it's around 616. I dont want to apply and make it any lower unless I know I can get a card.

How will an increase in salary affect my credit score? I understand that credit score isn't necessarily based on income but here's my situation. I have about 16,000 in revolving debt with a 600 credit score. My yearly income has recently increased 10 fold which obviously improves my debt to income ratio. How long after this increase should I see improvements in my credit score and by how much. Also what triggers the credit bureaus that this increase in income has occurred?

What is the standard credit score to purchase a used car? I could not get a car since my credit is not good enough. Does anyone know what is the actual credit score to obtain in order to purchase a used car? Specific answers would help. Please no "IDK" answers.

What happens to credit score after On record til Date has passed? If I look at my credit report and it says this is on record til 8/2009 and I don't pay it, what happens to it? Can the collection agency still hound me for the money or is it gone and my credit score go up?

When a bank looks at credit score to determine financing, does it affect my credit rating? I am wanting to purchase a house, but I don't want to look into financing until I find something I like. I am afraid my credit score will be reduced if I start asking banks to review my credit.

What kind of credit score must you generally have to get a car loan at a bank? I want to buy a car but i'm in the process of re-building my credit. It was really bad but i've paid my credit cards off and its getting better. I was just wondering what an average score was to get a good car loan. Thanks!

How much does a credit score improve after bankruptcy falls off a credit report? We are hoping that our credit score has improved greatly now that the bankruptcy is off (it was a long 10 years) and we haven't acquired much debt.

How much does your credit score increase with each final payment of a debt? I recently purchased 9 books about how to raise your credit score and have recently paid off some student loans and credit cards...I have one student loan remaining and one small credit card balance...The ones I paid off were outstanding as far as being overdue...I want to know about how much my credit score adjusts with the payment of these debts after about 3 months once my credit reports reflect this...

How is it possible that my credit score dropped? I cant understand how in the world my credit score actually fell lower than it was last month. No late payments in the past 4 years, no new credit inquiries or accounts since May (the same inquiries were on last months report), and I actually paid off a $4000 credit card. This makes no sense to me whatsoever....Can anyone explain why my score dropped?

What would be the best credit card for a 25 yr old to inprove her credit score? My daughter is trying to build good credit. Her credit score in low and she just bought a small moble home for her family. I want to help to build her credit up, just in case she may need to buy something big ticket some day.

What credit score does everybody start out with, or do you even have a score until you get a card? I don't know my credit score, I am just now getting a checking account, and I have only used cash prior, so what score does everybody start out at?

How do you improve your credit score if you have poor credit and new accounts? I have alot of derogatory items on my credit that I actually need to take care of. I have opened some new credit card accounts since I have never had credit cards before. What is the best way to improve my score so that I am not such a high risk?

How long does it take to rebuild your credit score? About how long does it take to go from a shaky credit score to a good credit score? I have about five credit cards, should I pay them all off and wait? How long must one wait until their credit score is back in the "good" side?

What kind of credit score do you need to get an iphone? I'm interested in getting an IPhone, but have about a 600 credit score, I have in the past year paid everything on time, and have dramatically improved my credit, but am still in the rebuilding process. Does anyone know what kind of criteria ATT has for approving new accounts?

What is the fastest way to raise your credit score? My husband and I hit a financial hard spot about a year ago. Since then we have worked hard to catch up on all our bills and pay them on time. We would like to buy a house in about 3 years. (We own a condo at the moment) Would 3 years be long enough to raise our credit scores? Other than paying our bills and paying off some of the balances that we owe is there another way to raise our credit scores? We plan on keeping our credit cards once we get them paid off because we were told that as long as we charge something once a month and then pay that off every month it will help with our credit score. Any other advice?

How much does your credit score increase when you pay off an auto loan? The last time I viewed my credit report, it did not have my auto loan as paid off. I had paid it off about a week before my credit report was pulled. Does anyone know how much that will increase my credit score? My FICO score was 545 and I am wondering if it will increase significant enough to be considered for a home loan. I know the score is pretty low, but you never know with the housing market today.

What is the average minimum credit score for credit card? I keep trying to get one of those alienware destop computers. They have an alienware credit card of 5'000. I cant seem to get my score high enough to qualify. What would be the average score required for cards like those?

If my credit score is 783 why would 1 lender decline an auto application and 5 others accepted it? I went to 3 different dealerships and applied for their loan, but I changed my mind and I purchased a car through someone else at the end. I called the lender and they me it's based on m credit history not my score. I checked my credit report and there is nothing bad on there? Could it be that they didn't like me going to 3 dealerships?

What was your credit score after you filed for bankruptcy? What was your score after you filed and what was your score six month, a year, or two years after you filed. I hear that my score can bounce back as long as I do things that show I am responsible, such as pay on a secured credit card, and other things that show that I am a responsible credit holder. What has your experience been with this?

Does it affect your credit score if you request a credit report just for your information? I know it affects your credit score negatively everytime you APPLY for something (car, loan, credit card) and they check your credit report to see if you qualify and you end up not qualifying. But does it affect your credit score if you request your own credit report just FOR YOUR INFORMATION, to make sure everything is accurate? I know it costs you money, but does it affect your credit score?

What credit score do I need to buy my first House? I had a bankruptcy discharged 12/05, and am still struggling to increase my credit score in order to buy a house (not very soon, I suspect). What would be the minimum score I would need? Also, I am about to start a divorce, and I wonder how long after that is final before I can realistically get a mortgage? I have good job security after 5 1/2 years, and decent income. I do have plenty of student loans though.

What are the factors that determine your credit score? Also, what makes you lose or gain "points" in your credit score? What is considered to be the average credit score?

What credit score should my co-signer have to be approved for a car loan? I applied for an auto loan with a local dealership, my credit score is 630, I was approved to get a $15k car but the one I want is $21k. The dealership said that I will need a co-signer to get the car. My husband's credit score is 720, will we have a good chance of getting the car I want if he co-signs?

How do I refinance my house without a credit score? I have excellent credit and zero debt. My house is paid for, debt free, and I do not have any outstanding debt. I have had loans in the past, but I've paid them off. Therefore, I do not have a credit score. I want to tap into the equity on my house and take out a second mortgage on my home, but the bank says that I do not have a credit score. Does anyone have any ideas on how I can get a competitive rate with no score?

What is the faster way to build up my credit score in 1-2 yrs period? I want to start my own business about 2 years from now. So I need a strong credit score to obtain the business loan and higher credit limit from the credit card company.

How long for credit report score to catch up with a new income? I have now got a good job after many years at University. Like most students, I had a overdraft and credit cards to get me through. I have never missed a payment. The thing is, how much time has to go by with my wage going into my bank to improve my credit score? Will I have to pay off smallest debt first then cancel them one by one for improvement?

What is the best solution to repair your credit score? I have a low credit score. do i need to hire someone to reapair it, and who? wanting to try and buy a house in less than a year and i want to have a decent credit score.

How will my credit score be affected by cancelling my credit card? I have had this credit card for 2 years now, and it charges an annual fee (it is designed for people with little credit and they report monthly to the bureaus). Less than a month ago, I was approved for a credit card with no fees and a lower interest rate. I would like to cancel the old card because I don't want to pay the annual fee, but how will affect my credit score? Should I keep it open?

Will it hurt your credit score if you close a credit card for a company that has gone bankrupt? Ex: Friedmans has gone bankrupt (all locations closing why would I need it) and I just PIF. I decided to close it, but then wondered it doing so would hurt my credit score, since my debt to credit ratio has just gone down.

How does knowing your credit score save you money? Your credit score is your credit score. There is very little you can do about it or with it. It is like your age or I.Q. How will knowing what it is help you?

To boost my credit score is it better to use money to pay off a federal tax lien or credit debt? I have some cash and want to improve my credit score. I have an IRS tax lien for about the same amount as my outstanding credit card balances. What would be a better action? Should I pay off the tax lien, currently on installment, or should I pay off credit card debt?

How can I get a mortgage with a 480 credit score? I have an average 480 credit score but a local lender told me I needed at least a 580 to qualify for a FHA loan (1st time buyer/low down pmt). My boyfriend (co-borrower) has a 700+ credit score and they still wouldn't loan us the money. Our income is decent and I have started cleaning up my deliquent accounts, what can I do to get into a house now?