Incease Credit Score?

xx CURVE xx · 01-29-2009, 09:09 AM

I need to add 130 points to my credit score....any ideas?

Rider · 01-29-2009, 09:15 AM

Have low balances spread out across many credit cards.

xx CURVE xx · 01-29-2009, 09:26 AM

Quote:

Originally Posted by Rider

Have low balances spread out across many credit cards.

yeah i know that part

....maybe i should explain a bit...

I'm trying to get home equity loan set up....my credit union says my credit score needs to be at a certain point... I'm 120 points from that goal...my school loans are what hurt me...just set up a payment plan for them....Bank says will take 3 to 6 months for score to go up?..that sound right??

Also...is it true that anything on your credit report that is 7 years old or older can be or should be removed???...

Rider · 01-29-2009, 09:32 AM

Quote:

Originally Posted by xx CURVE xx

yeah i know that part

....maybe i should explain a bit...

I'm trying to get home equity loan set up....my credit union says my credit score needs to be at a certain point... I'm 120 points from that goal...my school loans are what hurt me...just set up a payment plan for them....Bank says will take 3 to 6 months for score to go up?..that sound right??

Also...is it true that anything on your credit report that is 7 years old or older can be or should be removed???...

One thing you can do, is ask everyone of your credit card companies to increase your credit limit.

I have no idea how long things remain on your credit report.

A very close friend of mine owns a credit repair business. I can get you in touch with him if you want.

xx CURVE xx · 01-29-2009, 09:43 AM

Quote:

Originally Posted by Rider

One thing you can do, is ask everyone of your credit card companies to increase your credit limit.

I have no idea how long things remain on your credit report.

A very close friend of mine owns a credit repair business. I can get you in touch with him if you want.

I only have one CC now...last one i had went to shit back in university days...
Yeah ask your friend...That would be cool..

Tmall · 01-29-2009, 09:59 AM

I went from not even qualifying for over draft to having a car, bike, cc, and 20k line of credit in about 1.5 years.

I paid everything on time. Kept cc balance low. Used it a lot, but paid it off immediately.

Fast and credit rebuilding don't usually go hand in hand. And don't "seek" credit from too many places. If you get denied, it's negative points for you..

01-29-2009, 09:09 AM	#1
xx CURVE xx SMELL MY LEVER Join Date: Nov 2008 Location: Texas Moto: Tards Posts: 1,034	Incease Credit Score? I need to add 130 points to my credit score....any ideas? Last edited by xx CURVE xx; 01-29-2009 at 10:37 AM..

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01-29-2009, 09:15 AM	#2
Rider Moto GP Star Join Date: Feb 2008 Posts: 12,156	Have low balances spread out across many credit cards.

01-29-2009, 09:59 AM	#6
Tmall Aspiring Rapper Join Date: Nov 2008 Location: Halifax, NS Moto: '12 CB1000R Posts: 3,569	I went from not even qualifying for over draft to having a car, bike, cc, and 20k line of credit in about 1.5 years. I paid everything on time. Kept cc balance low. Used it a lot, but paid it off immediately. Fast and credit rebuilding don't usually go hand in hand. And don't "seek" credit from too many places. If you get denied, it's negative points for you..