The University of Victoria's Peter B. Gustavson School of Business has established itself as a leader in developing students with a broad range of talents, and the new man in charge of the faculty is . ..... He found Jarrett's evidence that he did not ... Bankruptcy trustee seeks payout from lender's son
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Question by *Mrs. Barberich since 11/02/08*: Improving credit score?? Ok, I'm only 21 & I know this is bad (but trust me it is not my fault! I would explain the situation on how it got this bad, but not enough room). Anyway, a few months ago I found out my credit score was 494 (terrible, yes, I know. especially for me being only 21). Well, I have 4 store credit cards (macy's, sears, maurices, & victoria's secret) bad, all totalling about $ 800.00. I also have a student loan on it (from when I went to cosmetology school for only 2months) for $ 2500.00 but it isnot bad yet. it is still good, bc I'm not supposed to make payments on that until sometime nextyear. but anyway... If I pay off all my store cards at once, will it improve my score any?? Or what can I do to bring my score up. I plan on starting nursing school this fall, and after I graduate after a year and get a steady job, I was wanting to buy a house (impossible if you have bad credit, & mine is beyond bad). Anyway, any tips are appreciated! Thanks! =) oops I forgot to mention a verizon bill bad on it for $ 700.00 and a cingular bill for $ 3000.00 (my mom ran it up talking to friends overseas, I think she should pay that, but no such luck lol). but I am just asking about the credit cards for now. I can't afford to pay off the phone bills right now. thanks! the cards are already closed. But macy's has offered me this: If I pay the card off for just $ 250, they will issue me a new card w/the same credit limit I had before. How do I go about getting them to remove it from my credit report? thanks for such informing answers btw! =) Best answer for Improving credit score??:
Answer by mister ed
yes start by paying the store cards and get rid of them == them i assume you still have a regular credit card --we will charge alot against it but we will pay off the balance off every month when it is due-- also we will start reducing the student loan!!! try to get rid of it before you pick up more when you go to nursing school!!!
Answer by Joe C
It is at least part you fault. You have debt. Pay off your debts. Close some, if not all of your cards. Check your credit report and notify the credit agencies of any errors. Make all future payments on time. Good credit takes time. If you have past due bills, your credit score will remain low. You need www.daveramsey.com. Get out of debt and stay out of debt. Additional Details When they offer you a new credit card, RUN!
Answer by leoxxx
mate iig m sorry to say this but your reuining it for the usa let allown where i live. because of people like you northern rock is fcuked in the uk and in the usa its good for us brits as we can get proper bargains as the dollar is so weak against the pound, and its all caused by big spenders like you that cant handle the cash limit. Please dont take personally but its the truth. good luck in sorting it out, its might take till your kid is 21 but gd luck.
Answer by Randall Parker, MBA
Well, the phone bills are the biggest problems, because those show as collection accounts. Until you deal with those, your scores will not improve. The student loan will help you, but you will have to begin paying on it, and my guess is that you don't have the money now. Since your credit cards are all overdue, I would begin by getting those current. If you keep them current for 24 months, the late payments you now show won't cause much damage, and you may be able to convince the companies to remove any derogatory notes about the accounts after improving your history. Once you do have some extra money, you can deal with the collection accounts. I wouldn't pay any money to a collection agency unless they took me to court or offered to remove the item from my credit in exchange for payment. Time is on your side here. Rather than paying off your cards, I would pay the balances down to 20% of the credit limits, and then make the minimum payment each month after that, until they are paid. Then, only use them if you are going to pay them in full, but you want some activity on each about every three months, so that you have the updated reporting. You should wait until you have your job for two years before even thinking about buying a house. Figure out what buying a house will cost you in terms of payment, taxes, insurance, utilities, and maintenance. Then, subtract your current expenses for these items. Deposit the balance into a savings account, each month, that you won't touch for two years. If you can keep up the payments to yourself for two years without being late, you will then be ready to buy a house, because you have saved up the down payment and you have reserves to cover two monthly payments by then. Good luck! P.S. When you enroll in nursing school, be sure to get a new deferment for your student loans, so you don't have to pay while you are in school.
Answer by Gertie
here are some things you can do to bring up your credit score. First even if you know you owe the debt you can always dispute. you might get a few of those negative things deleted from your file. next as for your current credit cards you dont want to have more than 1/2 charged on them if you have more than 1/2 it looks bad which lowers your score make sure you keep all your payments current. Even if you pay them off right now your score isnt going to raise drastically its going to take a little time. Some other things that will bring your credit score down are the length of time since you have got a new credit card, also what your credit limit on the card is.
Answer by Katya D
Paying off you accounts may and may not be a good idea. FICO Scores are calculated four categories, percentages reflect how important each of the categories is in determining your FICO score. Payment history: 40%, Amounts owed: 35%, Length of credit history: 15%, New credit: 10%, As you can see payment history affects you FICO score the most. You always need to pay on time. Amount owed. Just because you credit line is 800 or so doesn't mean use up 800 or so, using only 25-30% of your line of credit is better! So if you want to pay down your owed balance calculate 30% of you line of credit and pay off any excess. Oh and NEVER max out and over charge on your credit cards. Length of Credit History. The longer the credit history is with a card the better. Specially if they keep reporting that you are always paying on time, don't abuse you line of credit by using more than 20-30% and so on. NOT using your card at all IS NOT good. You have to use it once in a while. New Credit. is good because it adds to the total credits you have. BUT don't go out opening a lot of credit line because TOO MANY inquiry on your credit ( which is what companies do, before giving you a line of credit) can lower you FICO drastically. So I HIGHLY recommend. To pay down to only 25%-30% of your line of credit. AND to always pay on time. Hope this helps. Good Luck. Would you like 4 ways to help pay down the bills http://www.wealthy-reviews.com/index.php?key=Y2lkPWthdHlhZWlnaHQmd2E9NFNTSjJiYTE= If you would like to discover the secret that can add 257 points or more to your FICO Score, In 90 Days Or Less... Click Here!
Answer by shaundawn1723
Do not pay all off at once! It's much better for you to pay monthly! Even pay $ 20 more each month if U can. Do not keep filling out app's. for more credit. Every time U are denied, it's hurting U more. Never be late if U can!! Start paying off that student loan early too, it can only help. Good luck. I'm in the same boat as U! We are tryin' our butts off now.
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