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| *Loan,banking and credit>>>credit repair |
What's the easiest way to repair my credit score when I've already eliminated my bad debt? |
I screwed up years ago and I've already paid off those bad credit card debts. The only debts I owe now are a student loan (always paid on time), a new credit card (paid on time and only used for emergencies), and a car payment (paid on time). How do I get my credit score to go up? it is going up, slowly, month by month. The differences really show up at 6 month intervals. get a loan through a loan shark. dont spend any of it. every month pay back double the monthly payment. it will cost you only a little bit but within 6 months the "footprints" will be removed with good payer on the CRA file. ;0) Time. If have an explanation for those past sins, you might wish to include that in a letter that will be attached to your credit report. All the rest of the gambits are generally hoaxes and con jobs. Jeez, like TRW et al haven't seen all the tricks by now? With time....they'll look at how often you pay your bills on time. Once you have done that for a year you are considered to have a good credit rating. Always make your payments on time. You can increase your credit score many ways. One is to take out a very small loan (under $2,000), and pay it off quickly with monthly payments. This shows credits you are credit-worthy. Don't get any more credit cards! That's the way you get behind the credit "eight ball." Your car payment alone will eventually bring your score back up. If you have a credit-card through your bank that will also help. If you need further help try signing up with citi-group credit monitoring. All three credit bureas show up with Citi group. Hope this helps. Request you credit history report, and list all of the debts that are still listed on your report, and have them investigated, you will be surprised how many will be eliminated off of your report, that is the next step you should take. |
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