Comments on: How long does it take to raise your credit score 8 points? http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points Credit Repair Advice, How to Increase Credit Score Mon, 12 Apr 2010 14:46:08 -0500 http://wordpress.org/?v=2.8.5 hourly 1 By: Jim http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points/comment-page-1#comment-3453 Jim Fri, 04 Dec 2009 13:36:59 +0000 http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points#comment-3453 ?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<br><b>References : </b><br> ?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
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]]> By: drive_55_not http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points/comment-page-1#comment-3452 drive_55_not Fri, 04 Dec 2009 13:11:59 +0000 http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points#comment-3452 That 3-grand payment didn't go to pay off a collection did it? If it was he isn't likely going ot see an 8-point raise, Similar note, simply paying down 3-grand in credit card debt isn't likely going to help either, there are too many variables on how you credit score is calculated, unfortunately having your scores pulled for your loan likely pushed his score down at least 8-points, Has he applied for any credit in the past year, At one year those inquiries will stop counting against his score and as the new accounts age his score wwill go up, Again,, there are a lot of variables ...<br><b>References : </b><br> That 3-grand payment didn’t go to pay off a collection did it? If it was he isn’t likely going ot see an 8-point raise,

Similar note, simply paying down 3-grand in credit card debt isn’t likely going to help either, there are too many variables on how you credit score is calculated, unfortunately having your scores pulled for your loan likely pushed his score down at least 8-points,

Has he applied for any credit in the past year, At one year those inquiries will stop counting against his score and as the new accounts age his score wwill go up,

Again,, there are a lot of variables …
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]]> By: Snarky's Wife http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points/comment-page-1#comment-3451 Snarky's Wife Fri, 04 Dec 2009 12:42:59 +0000 http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points#comment-3451 You don't say if this $3000 is on credit cards or on old bad debt. Bad marks are scored the same on your credit report whether paid or not. And actually, paying an old collection can "re-age" the account and lower your score. Recent bad activities weigh heavier on your score than delinquencies from 2+ years ago. So if you "reset" the activity date, it can have a negative affect on your score. If this is simply a credit card, and you're hoping to lower the utilization and thus raise your score, then your score could hypothetically see a jump if your utilization drops to below 10%. In that case, your score would change when the credit card company reported the new lower balance. You can learn more about this at www.myfico.com. It has a free "community" board where people discuss this stuff. You don't have to log in or anything, just read through the boards. I found it very helpful when we were looking to get a mortgage...we closed last week!<br><b>References : </b><br> You don’t say if this $3000 is on credit cards or on old bad debt.

Bad marks are scored the same on your credit report whether paid or not. And actually, paying an old collection can "re-age" the account and lower your score. Recent bad activities weigh heavier on your score than delinquencies from 2+ years ago. So if you "reset" the activity date, it can have a negative affect on your score.

If this is simply a credit card, and you’re hoping to lower the utilization and thus raise your score, then your score could hypothetically see a jump if your utilization drops to below 10%. In that case, your score would change when the credit card company reported the new lower balance.

You can learn more about this at http://www.myfico.com. It has a free "community" board where people discuss this stuff. You don’t have to log in or anything, just read through the boards. I found it very helpful when we were looking to get a mortgage…we closed last week!
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]]> By: Sgt Big Red http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points/comment-page-1#comment-3450 Sgt Big Red Fri, 04 Dec 2009 11:53:59 +0000 http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points#comment-3450 I think that other poster is lost, this is the credit section not tax. You can ask whoever your mortgage broker is to request a rapid re-score from the reporting agencies. This does cost a fee but it is often used to raise ones credit score to the level required by the lender. Paid debts will raise a score but it takes time.<br><b>References : </b><br> I think that other poster is lost, this is the credit section not tax.

You can ask whoever your mortgage broker is to request a rapid re-score from the reporting agencies. This does cost a fee but it is often used to raise ones credit score to the level required by the lender.

Paid debts will raise a score but it takes time.
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]]> By: Dilbert http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points/comment-page-1#comment-3449 Dilbert Fri, 04 Dec 2009 11:41:59 +0000 http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points#comment-3449 See if the credit report shows it as paid with a zero balance. If so, you need to do something else to raise the score. Is everything paid off? Are there any errors? There are lots of things you can do, but none of them are likely to be very fast.<br><b>References : </b><br>www.creditboards.com See if the credit report shows it as paid with a zero balance. If so, you need to do something else to raise the score. Is everything paid off? Are there any errors? There are lots of things you can do, but none of them are likely to be very fast.
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http://www.creditboards.com

]]> By: travelguruette http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points/comment-page-1#comment-3448 travelguruette Fri, 04 Dec 2009 11:09:59 +0000 http://www.libertycreditrepairllc.com/raise-my-credit-score/how-long-does-it-take-to-raise-your-credit-score-8-points#comment-3448 You should probably talk to the credit bureau people. This is the tax section.<br><b>References : </b><br> You should probably talk to the credit bureau people. This is the tax section.
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