Liberty Credit Repair

My credit score is pretty low 662 I dont own a credit card and i paid my car off in 3 years instead of 5 so i have no credit right now.I plan on getting a credit card to try and raise my score how long would it take to raise it to 700.Im trying to obtain a loan to buy a house

It seems you are a pretty responsible person, so there is an option you may not be aware of. Do either of your parents have a credit card acct that is pretty old & in good standing…also with a low balance? Explain to them what you want to do

Ask them what bank it is through. Call that bank & ask if an authorized user, when added to a credit card, would have this account reporting to the 3 credit bureaus. If it is yes, ask your parents if they will add you to their acct. This will give you a nice aged credit card account without getting a ding for having a recent inquiry as well as a new card. Make sure they know that you do not need a card for yourself & you don’t even have to know what the card # is.

The FICO scoring system likes to see a mix of credit. Having a car loan and a credit card on your file will be a plus. You can always be removed after you get a house & a CC of your own.

I would never give this advice to someone who had already tanked their own credit.

I just found out my credit score is about 650. I just need a few questions answered…

1. What is the ideal % of debt to pay off in X amount of time? What I am asking is what is the best rate to which you pay your debt off? Say I have a $1,000 debt. Should I pay it off at $200/month for 5 months?

2. What is the ideal debt to credit ratio?

3. What are some tips to raise my score?

?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – creditreport.undonet.com

http://www.christhecreditguy.com Repair Bad Credit and Raise Credit Score. Free Online Video Series w/ credit expert Chris The Credit Guy. Fix credit score and fix bad credit and increase credit score. This video is about preparing your ids for the credit bureaus.

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What is the best way to raise my credit score? My husband and I just went though bankruptcy (unfortunately). Our vehicles are paid off and in fairly good shape. I don’t want to get into a vehicle loan at 17% interest. Will getting and using credit cards help?

Any ideas or input would be GREATLY appreciated!

?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – credit-report-free.totalh.com

Tips and Tricks on how to build your credit score extremely fast. Completely legal techniques to significantly raise your FICO score. Advice on how to work around bankruptcies and other negative marks on your credit report. Complete listing of services can be found at www.BuildMyCreditScoreFast.com. You don’t have to live with bad credit if you’re willing to do something about it.

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my score went down over the past year due to me being over on my credit card but now its paid off and when i use it i make regular payments. So to raise my score should i use my card and just pay it off right away wait a bit or pay parts of it?

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Raise a credit score by making sure everything on a credit report is accurate, improving debt-to-income ratio and avoiding scams that claim to raise credit scores instantly. Correct any inaccurate content on a credit report by using a registered dispute letter with instructions from a certified financial consultant in this free video on credit counseling.

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Duration : 0:2:7

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My credit score is 372. I have a car repo and LOTS of cards and loans. the repo is already written off and my card accounts are closed. I am getting $22,500 in january and would like to fix my credit then. Is it best to pay off everything in full? someone told me not to pay off all my accounts. My payment history will still suck even though my debt to income ratio will be ok. what can i do to raise my score with this money? should i do debt consolidation and make payments instead of paying everything lump sum? i have from january until december to get it ok because i want to finance a new car. HELP!

You’re right. Paying off the debt is not likely to help you raise your score because they’ll be on your account from here on out for the next 7 years. Start by cleaning up your credit report by getting a myfico full credit report and contacting the companies to have them remove incorrect information or update anything you feel is inaccurate. A lot of times reporting companies don’t report the right info. Make sure from here on out you are responsible with your bills — now is a great time to start slicing up all your credit cards to resist the temptation of using them. Don’t close any credit card accounts unless they are charging you annual fees and don’t close any accounts until you’ve paid the balance on them off.

When you’re trying to build a solid credit score it’s important to get a comprehensive view of what is actually effecting it…
Your Credit Score (also known as your MyFico score) is calculated with the following breakdown:
35% – Payment History
30% – Credit to Debt Ratio
15% – Credit History
10% – New Credit
10% – Credit Types in Use

I raised mine to well over 700 points fro 500 using these steps in less than a year — :

# Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score tracking listed below. It really helped my get my score up.)
# Never Miss a Payment, Starting Today
# Never use more than 20% of your Available Credit
# Keep Credit Cards that Have No Annual Fees Open For as Long as Possible
# Extend Your Credit Limit on Cards You Already Have before You Get New Ones
# Get Credit Cards that Have CashBack Rewards to Contribute to your Balance
# Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit-
# If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan
# Take out a Small Personal Loan and Repay it Over a Year
# Ask Someone With Good Credit if They will Account Shadow you

Read more here from my blog :
10-Ways to Boost Your MyFico Score
http://millionster.com/articles/debt/increase-fico-credit-score/

I know you’ll be able to fix this problem, just use some of my tips I listed and use the resource links here to help you get the info you need!