What I did was pay off all my balances of course. First you have to do that.. But here is the real trick.. after you have that done ask for credit line increase on all your cards. A month or 2 after you get the line increases your credit score will shoot up.. Any other tips and tricks you know of??
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yea simply stay debt free thou i know it's about impossible for some and will advocate the opposite
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buy a house and pay it off in 1 month. you will be pretty much guaranteed 800+Email: Clicky on MeComment
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Pay your bills on time.
It doesn't matter how much debt you have, as long as it's well managed. If you have NO debt, you can often be rejected for credit... because they have no guide as to how good you are at managing debt.
See ?
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I know my dad is above 800, it's because he uses his credit and pays everything on timeCarbon is not the problem, it makes up 0.041% of our atmosphere , 95% of that is from Volcanos and decomposing plants and stuff. So people in the US are responsible for 13% of the carbon in the atmosphere which 95% is not from Humans, like cars and trucks and stuff and they want to spend trillions to fix it while Solar Panel plants are powered by coal plants
think about thatComment
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LOL credit, you people cant be serious? You use credit?Comment
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It's not rocket science, just buy stuff on credit cards each month, pay it off on time everytime and you will be fine... and it's not like there are any benefits to having excellent credit, as long as you have pretty good credit you will get best rates for everything anyway...Custom Software Development, email: woj#at#wojfun#.#com to discuss details or skype: wojl2000 or gchat: wojfun or telegram: wojl2000
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go to the casino and max out your CC buy buying chips
then cash in the chips and go to the bank next day and pay it off
repeat till golden brownComment
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I know multiple members of this board who are worth millions and have the cash to back it.....I personally know for a fact that some of those people own multiple homes which are also worth millions of dollars. These people buy the homes on credit.....Not because they have to but because of the tax advantages plus it keeps their money in their own banks earning interest.
There are those who are stupid with their credit decisions and then there are those who are smart about it.Comment
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How many credit cards do you people carry ?? I myself carry 2, one Visa and one Mastercard. I always pay them off at the end of the month.
I don't use them too often, I just throw a charge on one here and there just so they're being used to keep my credit score growing.Comment
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Somewhat off topic. But if you are not using a reward based CC you are pissing away money. AMEX and many MC/Visa cards have great rewards. Just put everything you buy on the card and pay it off at the end of the month. You get the points. Flip those into many different things: Vacations, Flights, gift certs with many different major retailers, the list goes on and on.No OneComment
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I know this old trick, not sure if it applies still and have never tried it:
Go to one bank and get a secured loan for $400-500
Go to another and get a secured loan for the ame amount, secure it with the initial laon
Do it again at a third bank.
Wait 1 month, and go pay off the first one with the third bank's loan money, get back your initial 400-500.
Wait another month and the same at bank 2, wait another month and do it at bank 3.
As long as all 3 report you should get a nice bump.Domain Auction - now till 12:01AM on the 2nd...
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Umm... no.
Check kiting is any sort of fraud that involves drawing out money from a bank account that does not have sufficient funds to cover the check.
The formula above requires that you start with the initial amount you would need to do this via a SECURED loan. Then every loan thereafter is a secured loan.
All you're doing is paying a secured loan within 30 days at 3 different locations utilizing your initial investment.
This is not fraud.Domain Auction - now till 12:01AM on the 2nd...
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keep the balances between 15-30% and dont go above 50%paulb@itsyourporn
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congratulations!Comment
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Another great trick.. every time you seek credit you that request noted on your file. too many requests and it takes your score down.. but.. you can argue these requests.. saying that they were unauthorized and get them removed.. good for another few points...Comment
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It's simple. Mine is 821 and not because I'm rich, because I pay my bills on time and the few I was late on were never reported because almost any creditor will just send you a bill for the double amount and if you pay it, nobody knows any better. I've missed a lot of bills, especially since I moved because the new postal person is a fucking moron. My name and address are clearly there, I filled out the form when I moved but she just can't wrap her head around the fact that a new person lives here now.Need a Writer? Contact Me. I write quality descriptions, short erotic stories, quality one-liners.. whatever you need.Comment
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There is no *real* trick to magically improving your credit score in one month unless you can afford to do like the thread starter did and pay off all of your credit....but the reality is that most people who have outstanding balances cannot afford to do that. Your credit score increases through trends....so if you do something where you apply for more credit over several months YOUR SCORE WILL DROP! Every single time you open a new account, your score will trend down and as you pay for it over time your score will go up. You cannot BORROW your way to better credit.
One trick, however, that will help you dramatically but will take 6-12 months......
Go to your bank and open a CD with a $2500 check....even if you do not have $2500 in the bank. Then immediately, ask for a 12 month loan for $2500 using the CD as collateral. No matter how bad your credit is, the bank will loan you money when it is secured by a CD. Tell you banker to deposit the money into your checking account to cover the check that you just wrote him for the CD. Now, you have no more money than when you started the day, but you have an open installment loan AT A BANK (not a credit card and not store credit...those are easy). Now, over the next 12 months pay your loan payment EACH AND EVERY MONTH...not early and definitely not late. At the end of 12 months, not only do you have 12 months of verifiable BANK credit, you have a $2500 CD that you can cash out or do something else with.
--T
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PS. Once you have achieved a high score, do not cancel or add any additional credit accouts and it will slowly just creeping up. If someone would have told me 5 years ago when my score was 200 something that it would be over 800 I would have laughed my ass off. The best thing to do is once you see it rising, don't screw with it in any way shape or form.Need a Writer? Contact Me. I write quality descriptions, short erotic stories, quality one-liners.. whatever you need.Comment
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That trick only works if your balances are low, that makes your credit look higher and your balance to appear to be low.
Example: $2000 in credit debt, 3000k total balance. Raising your 3000k to 5000k and your now below 50% of your total credit, BoooYah! The score will go up over 2-4 months.
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I had good credit and decided to take bad advice and close out unused credit cards with big credit limits. I had some from the 1980's (anyone remember Diner's Club?)
Wrong advice. Don't do that.Comment
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Great info nice 2 knowComment
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Still paying off some bills my ex wife made for me.
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Also I go to my local hometown bank and borrow $2500 once or twice a year for 3 months on a personal signature. They know I am good for it, I have banked there a long time and I have a little money CDs (certificate of deposits). I tell them I need to pay taxes or whatever and don't want to get into my savings. I pay it off fairly near the 3 month time. The setup fee and interest costs me less than $100 and really boots the credit rating. And that $100 is tax deductable.Comment
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I knew a male college professor way way back in the day who actually spoke 10 languages and could read 20 but had a penchant for men. He kited checks so he could provide "fun".
Long story short, my ex boyfriend used to take him vodka in shampoo bottles to the rural jail that caught him.
We visited him once over in Florida where he was managing a flophouse before he died, since he was basically unhirable after the arrest.
Don't kite checks!Comment
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Stay away from Bank Of America Credit Cards.
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If you are doing real estate biz then by all means do it. I was talking about regular people who rack up debts yet just claim they are doing it to better their credits. Another thing is there's no tax benefit to having mortgages (your own home) in all countries so that won't apply to everyone outside usa.Comment
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Again... no.
Banks don't close loans that are secured unless they're not being paid and they need to utilize the collateral to pay the loan. Period.
There's nothing devious or fraudulent about that formula. I understand you may *think* you're right but I can assure you that you are not.
My SO is currently on the way to managing her bank after being a commercial, residential and personal loan officer for several years. I thought about what you said and doublechecked just to make sure I'm not sounding like an ass after my rebuttal and got it confirmed.
I know you're a smart guy and I rarely argue on the boards but when I'm right I'm going to defend it.Domain Auction - now till 12:01AM on the 2nd...
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How many credit cards do most of you carry ?? I currently carry 2, one Visa and one Mastercard that I charge on a couple of times a month, then pay off. Neither of them have rewards. I often thought about getting a card with rewards, but then I'd be up to 3 cards, I'm not sure if that'd be too many to have. I suppose that some of you have 5+ card.Comment
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I wonder what the average credit score is of GFY surfers. Can you get good credit renting out moms basement?Comment
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