Comments on: 15 Ways to Establish and Improve Your Credit History and FICO Score http://genxfinance.com/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/ Helping a unique generation achieve financial independence. Thu, 24 May 2012 01:09:21 +0000 hourly 1 http://wordpress.org/?v=3.3.2 By: AmericanExpressBank http://genxfinance.com/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/comment-page-2/#comment-473427 AmericanExpressBank Tue, 24 Jan 2012 06:59:52 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-473427 very good information for us very good information for us

]]> By: Ryan http://genxfinance.com/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/comment-page-2/#comment-386243 Ryan Tue, 20 Sep 2011 04:01:56 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-386243 Hi, i'm trying to build credit, I notice this said "multiple accounts" is it a good idea or a bad Idea to get more than one credit card from local banks to help establish credit? or will this hurt rather than help? thanks. Hi, i’m trying to build credit, I notice this said “multiple accounts” is it a good idea or a bad Idea to get more than one credit card from local banks to help establish credit? or will this hurt rather than help? thanks.

]]> By: Sara http://genxfinance.com/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/comment-page-2/#comment-301003 Sara Thu, 09 Jun 2011 20:37:52 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-301003 I am fairly young and have been very responsible with my spending thus far. I save up and purchase things ONLY when I have the money for it, although recently,(in my opinion) I have been punished for this. Me and my husband are newly weds and cannot be approved for a morgage. We have taken out small loans in the past and desided to take out a loan for a second vehicle (the first one we saved up and bought in full). Now the lenders say our credit is great, however we still cannot be approved! They said that our credit history is not "long enough". Please tell me, how long is long enough?? After reading this I am assuming that the true reason is in the fact that we have changed residences and employers recently. It just dosen't seem right, when you are young things are constantly changing and hopefully developing. Should I just be patient and stay where I am for awhile and wait this thing out? I am fairly young and have been very responsible with my spending thus far. I save up and purchase things ONLY when I have the money for it, although recently,(in my opinion) I have been punished for this. Me and my husband are newly weds and cannot be approved for a morgage. We have taken out small loans in the past and desided to take out a loan for a second vehicle (the first one we saved up and bought in full). Now the lenders say our credit is great, however we still cannot be approved! They said that our credit history is not “long enough”. Please tell me, how long is long enough?? After reading this I am assuming that the true reason is in the fact that we have changed residences and employers recently. It just dosen’t seem right, when you are young things are constantly changing and hopefully developing. Should I just be patient and stay where I am for awhile and wait this thing out?

]]> By: Diana http://genxfinance.com/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/comment-page-2/#comment-281981 Diana Fri, 20 May 2011 16:44:16 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-281981 Hello Marina, My situation is the same as yours. I have reseraching and researching of ways to help improve my credit due to my divorce. PLEASE if you have any tips that might help me out please send them my way. My only other option is to write to the 3 credit reportings and ask them for help. I also have been paying my bills on time and have lower all my debt drastically, why is my score still low? Thank you in advance for any help you may provide. Diana Hello Marina,
My situation is the same as yours. I have reseraching and researching of ways to help improve my credit due to my divorce. PLEASE if you have any tips that might help me out please send them my way. My only other option is to write to the 3 credit reportings and ask them for help. I also have been paying my bills on time and have lower all my debt drastically, why is my score still low? Thank you in advance for any help you may provide. Diana

]]> By: Christine http://genxfinance.com/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/comment-page-2/#comment-166328 Christine Mon, 13 Dec 2010 20:11:24 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-166328 * I have been with my bank for 24years. * I have been with my bank for 24years.

]]> By: Christine http://genxfinance.com/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/comment-page-2/#comment-166325 Christine Mon, 13 Dec 2010 20:07:36 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-166325 Even if you do everything right it really doesnt matter if they want to strip you of your credit they will. I pay on time, I dont move freuquently, I have been with my employer for almost 10years, my visa credit card keep getting lowered every time I pay it down they lower it to that amount ( ie if my balance was 1500 I paid off all but 500 its lowered to 500) I have with my back for 24 years. I have a dress store credit card and they keep uping my balance... how does that make any sense. Can someone please help me to get back a larger balance on my visa. I use that for flight and car repairs... I need a larger balance. Even if you do everything right it really doesnt matter if they want to strip you of your credit they will. I pay on time, I dont move freuquently, I have been with my employer for almost 10years, my visa credit card keep getting lowered every time I pay it down they lower it to that amount ( ie if my balance was 1500 I paid off all but 500 its lowered to 500) I have with my back for 24 years. I have a dress store credit card and they keep uping my balance… how does that make any sense. Can someone please help me to get back a larger balance on my visa. I use that for flight and car repairs… I need a larger balance.

]]> By: Marc M http://genxfinance.com/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/comment-page-2/#comment-135622 Marc M Thu, 17 Jun 2010 16:10:10 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-135622 I'm really grateful this information was published for public view - it's <i>very</i> thorough, and exactly what I've been looking for. Thank you so much! I’m really grateful this information was published for public view – it’s very thorough, and exactly what I’ve been looking for. Thank you so much!

]]> By: payday quick cash http://genxfinance.com/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/comment-page-2/#comment-122094 payday quick cash Sat, 19 Sep 2009 07:14:25 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-122094 The best thing to do at this point is pay the bills on time and not use credit. Basically, there were a ton of lates, and I had some go to collections. Once I started paying the bills on time and lowered the amount of credit I owed in relation to the credit I had, the score started to go up. I was able to get a home mortgage in 2003 with a 690, and since then my deliquencies started to come off of my credit. The deliquency takes up to 7 years to leave, so time is one thing that heals the most (while you are paying on-time). My credit score is now over 800. The best thing to do at this point is pay the bills on time and not use credit. Basically, there were a ton of lates, and I had some go to collections. Once I started paying the bills on time and lowered the amount of credit I owed in relation to the credit I had, the score started to go up. I was able to get a home mortgage in 2003 with a 690, and since then my deliquencies started to come off of my credit. The deliquency takes up to 7 years to leave, so time is one thing that heals the most (while you are paying on-time). My credit score is now over 800.

]]> By: Mack jackson http://genxfinance.com/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/comment-page-2/#comment-121982 Mack jackson Tue, 15 Sep 2009 04:07:49 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121982 All are the perfect ways to improve our credit score and fico score also, according to me always find some way of earning extra income is the perfect point. All are the perfect ways to improve our credit score and fico score also, according to me always find some way of earning extra income is the perfect point.

]]> By: Frank Fitton http://genxfinance.com/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/comment-page-2/#comment-121562 Frank Fitton Mon, 24 Aug 2009 17:56:00 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121562 There certainly are no quick fixes in attempting to raise your credit score. The most important thing is to stay on top of things and know whats in there. There very well could be errors in your credit report due to things misrepresented, even fixing these is going to take time. In order to raise it though you have to know what's in it for sure, as well as exactly what effects it. One area I think that is very important to address in these times. Is to make sure that you don't lose any of your cards. Companies are canceling cards that are not being used. This could be really damaging if its one of your oldest cards. Remember this, and just use the card every once in awhile to keep it in rotation. You need that available credit in theory at least. Anyone who's interested can check out my blog on how to improve your credit score at... http://www.thedebtgazette.com/2009/08/improving-credit-score/ There certainly are no quick fixes in attempting to raise your credit score. The most important thing is to stay on top of things and know whats in there. There very well could be errors in your credit report due to things misrepresented, even fixing these is going to take time. In order to raise it though you have to know what’s in it for sure, as well as exactly what effects it.

One area I think that is very important to address in these times. Is to make sure that you don’t lose any of your cards. Companies are canceling cards that are not being used. This could be really damaging if its one of your oldest cards. Remember this, and just use the card every once in awhile to keep it in rotation. You need that available credit in theory at least.

Anyone who’s interested can check out my blog on how to improve your credit score at… http://www.thedebtgazette.com/2009/08/improving-credit-score/

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