I paid cash for my car and come time to borrow some money I got socked on the rate BECAUSE I hadn’t had a car loan in 12 years .Hi, I am enjoying reading this, and am so frustrated at my credit scores. I have been paying about 3 times the minimum on the cards each month without using them.I looked at my credit score this week and saw that it is at 681; which is up from the 674 it was at last month. If i pay it off, does my score go up?Paying a collection account doesn’t typically raise your credit score. I literally have zero debt except for using credit cards.

You need to have a good score to play the games.We just love to be judged.

Good credit does not have to be used, but it can be handy in an emergency.

Am i doing the right thing?Even if you have no plans to borrow right now, good credit can come in handy in case of a medical emergency or in the event you want to buy a house or car and need to finance it. They have low lines of credit at $600 and $700. If you can wait, do! I asked who the were and to prove that I still owe them. i have 100% payment with transunion and equifax, which is excellent with them, but experian gives me a f, for payment history! HOWEVER, within a couple of months of the removal the account shows back up on my credit reports under a different collection agency. Pay for everything with cash, start saving for the new car you know you will need in the future, and when it comes time for you to get a new car, pay for it in full. Get credit for the utility bills you're already payingResults may vary. Now, the only thing left on my credit are 4 credit cards which, at the time, were nearly at their limits. The point is that you are paying interest on the secured loan, whereas with the secured credit card you are not, provided of course that you pay off the balance in full each month. Instead I took s copy of my credit report and had them give me an estimate based on my score.

Instead of paying them off, I decided to pay much more on them every month to bring them way down in balance. It seems after following these forums, you can see what you need to do to have an excellent score. There are attorneys who specialize in credit damage lawsuits.My credit was destroyed early on during my time in the Marine Corps (hello predatory lending) somehow, My score is in the “good” range, yet I’m still turned down by Ebert credit card I apply for. In other words… don’t let the “credit rating system” control you – it is the way the banks get the upper hand, and steal more of you hard earned money. They are both great. A good credit score could also mean that you are able to rent the apartment you want, or even get cell phone service that you need.Think of your credit scores like a report card that you might review at the end of a school term, but instead of letter grades, your activity ends up within a scoring range. The savings account pays for the loan and if you set it up on auto draft then you will never be late.

A higher cl but a very low utilization seems to do the trick with a various mix of loans. We are about to purchase a new home. Sounds like you need to dispute it. This past month, I was able to boost my credit score almost 100 points.I’m trying to raise my score up at least 50-100 points. You could also consider a personal loan to consolidate some credit card debt–if it will save you money in the long run. Do you know what the closing date is for your statement? To me the entire scoring system is a bunch of malarkey. I haven’t applied for anything after my car but I only had 3 inquiries when I bought my car. Utilities are listed on reports, since they’re not paid in advance and are a form of credit.

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