Improving my credit score?

LibbyL92

So if I get them paid now by this time next year I ‘should’ be accepted for credit? My car is the only thing I’d want credit for June 2020

As I said on previous posts, one will be sorted by May and the other December/jan

justinrandy91

I am definitely trying this lol . As long as it doesn't give a trace back. Does anyone have any idea about if this is healthy enough to tell because I am low on my credit score and I really want a boost .
I will surly review back on here should my process work out well . God help me . Thank you anyways janette0077 for your recommendation




God bless .

SlovakianGuy

janette0077 wrote: »

I went from 540 to 690 in a 4 months and half. The three biggest factors on your FICO score are on time payments, longest open credit history, and debt to credit ratio.
An excellent debt to credit ratio is under 10%. Having higher credit limits will make it easier to manage below 10% charges. If they offer you a limit increase, take it. It keeps your ratio low. Just don't go crazy like it's Black Friday sale.

Another thing, keep your hard credit inquires under 3 per year. Don't apply for 4 credit cards or loans at once. Experian will -4 points for every inquiry if your over 5 inquires for a 2 year period. I know this from experience. My score dropped 24 points just for applying for new cards. Even though I got approved for 3 new cards and a personal bank loan my FICO score suffered. It takes a year for an inquiry to be ignored and 2 years to drop off your report.
But anyways everything I know now was included in a step to step instructions on how credit scores are maintained . I had a programmer/pen-tester work on my credit limit, I got boosted up to 725. I have been like this for the past 9 months. You can have the same solution depending on what you are you looking for. Some might prefer to hire a programmer/hacker to handle that immediately and some might desire to contact credit companies that sometimes ask you to wait for 6 months and at the end it might probably won't work ( Talking Out of experience )He is private consultant and am sure you can attend to you to .

Lonmond @ Programmer . Net .

we spoke sometimes through phone when I was off town .
You can write me and I will prove to you with my testimony. I don't mind .
Good Luck

What the .... Is this a joke? A hacker?? And FICO score? Isn't that used in the US alongside VantageScore?? Credit score in the UK is provided by each of the 3 major credit bureaux separately.

Anyway, your score is not seen by any lender. Each lender calculates their own score based on informations they pull from your credit report, using their own scoring model. I personally like to see my credit score going up as it is an indication I'm doing things well, but I know it's only seen by me and the CRA that calculated it.

[Deleted User]

SlovakianGuy wrote: »

What the .... Is this a joke? A hacker?? And FICO score? Isn't that used in the US alongside VantageScore?? Credit score in the UK is provided by each of the 3 major credit bureaux separately.

Hi

Can we not quote the spammer's contact details please.

Thanks

DCFC79

justinrandy91 wrote: »

I am definitely trying this lol . As long as it doesn't give a trace back. Does anyone have any idea about if this is healthy enough to tell because I am low on my credit score and I really want a boost .
I will surly review back on here should my process work out well . God help me . Thank you anyways janette0077 for your recommendation




God bless .

As you have seen Janette was a spammer, she spouted a load of crap so dont follow it.

Paul_DNAP

DCFC79 wrote: »

As you have seen Janette was a spammer, she spouted a load of crap so dont follow it.

I think "justinrandy" is also a spammer, adding it a "yeah, that really worked" directly after the spam to give it more credibility.

Verityspinelli

LibbyL92 wrote: »

I’m just feeling so confused and lost.

The only thing I can do is pay one down as much as I can whilst doing the other one minimum payment +1 on the other card and hope to see a change in the next few months.

It’s all so confusing and very vague.

I’m up to date with all my payments, always pay on time (minimum payments mostly) but obviously my issue is having too much used credit

I guess it’s a case of paying them both down and hoping for the best!

Hi, firstly don’t panic that your credit ‘score’ is low it’s not as important as you think, it can serve as a warning that something on your report has changed but that can be from something very minor to something very major but again don’t worry the score itself changes a lot, and sometimes it changes for nothing important at all.

You need to put your energy into lowering the debts you have, don’t get another card it will not help you. Yes a 0% card would be useful but if you already have 2 maxed out cards you have to be honest and ask yourself if you have the discipline not to start spending again.
Getting out of debt takes a lot of willpower and determination, once you start seeing your debts going down you will begin to feel the weight on your shoulders begin to lighten.

I wish you all the best, we all have to start somewhere let today be your beginning. Good Luck.

DCFC79

Paul_DNAP wrote: »

I think "justinrandy" is also a spammer, adding it a "yeah, that really worked" directly after the spam to give it more credibility.

Your right, I saw the poster was a new but didn't check the actual name of the poster so assumed it was Libby.

Thanks Paul.

LibbyL92

Verityspinelli wrote: »

Hi, firstly don’t panic that your credit ‘score’ is low it’s not as important as you think, it can serve as a warning that something on your report has changed but that can be from something very minor to something very major but again don’t worry the score itself changes a lot, and sometimes it changes for nothing important at all.

You need to put your energy into lowering the debts you have, don’t get another card it will not help you. Yes a 0% card would be useful but if you already have 2 maxed out cards you have to be honest and ask yourself if you have the discipline not to start spending again.
Getting out of debt takes a lot of willpower and determination, once you start seeing your debts going down you will begin to feel the weight on your shoulders begin to lighten.

I wish you all the best, we all have to start somewhere let today be your beginning. Good Luck.

Much appreciated! It’s been a long time coming but I finally feel ready to get it cleared.

Lubotrader212

Credit cards have a huge impact on your credit score, make sure you make regular payments and cover your amount outstanding