Comments on: 15 Ways to Establish and Improve Your Credit History and FICO Score http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/ Helping a unique generation achieve financial independence. Sat, 21 Nov 2009 05:51:06 -0800 http://wordpress.org/?v=2.8.4 hourly 1 By: payday quick cash http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-122094 payday quick cash Sat, 19 Sep 2009 08:14:25 +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/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#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/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#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/

]]> By: credit score advance http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121375 credit score advance Tue, 04 Aug 2009 18:15:42 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121375 If you are looking to improve your credit score quickly with guaranteed results, visit http://www.creditscoreadvance.com. Take advantage of today’s historically low interest rates with an improved credit score. If you are looking to improve your credit score quickly with guaranteed results, visit http://www.creditscoreadvance.com.
Take advantage of today’s historically low interest rates with an improved credit score.

]]> By: Dr. Len Schwartz http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121281 Dr. Len Schwartz Wed, 29 Jul 2009 15:25:39 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121281 Such great advice here! I like how you touched on the subjects such as consistent employment history and residence. Many people do not realize the impact of those things on credit. Wonderful post. Such great advice here! I like how you touched on the subjects such as consistent employment history and residence. Many people do not realize the impact of those things on credit. Wonderful post.

]]> By: Tom http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121250 Tom Sun, 26 Jul 2009 22:41:04 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121250 Very valuable information in your posting. Question, please: About 1 1/2 years ago had a credit account through a credit union and soon reached the max of $1000 and lost employment at nearly same time. Made no payments. Now employed and offered to pay the entire balance but found out the credit union had terminated my account and is not expecting, let alone demanding, payment. If I pay them anyway, will my credit rating be improved significantly? Other advice on this? Very valuable information in your posting.

Question, please: About 1 1/2 years ago had a credit account through a credit union and soon reached the max of $1000 and lost employment at nearly same time. Made no payments. Now employed and offered to pay the entire balance but found out the credit union had terminated my account and is not expecting, let alone demanding, payment. If I pay them anyway, will my credit rating be improved significantly? Other advice on this?

]]> By: Marina Rork http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121160 Marina Rork Mon, 20 Jul 2009 21:28:34 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121160 My credit has gone down a lot due to a divorce 5 years ago, and resulted in a lot of my creditors being sold to collections agencies. Although some of the accounts were settled through collection agencies, it didn't help much on my credit reports. I've been consistent and paying on time on all of the accounts I have left. However, my credit score is still extremely low and I'm wondering if the negative items will ever disappear off my credit reports. My credit has gone down a lot due to a divorce 5 years ago, and resulted in a lot of my creditors being sold to collections agencies. Although some of the accounts were settled through collection agencies, it didn’t help much on my credit reports. I’ve been consistent and paying on time on all of the accounts I have left. However, my credit score is still extremely low and I’m wondering if the negative items will ever disappear off my credit reports.

]]> By: Money http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121134 Money Sat, 18 Jul 2009 15:10:09 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-121134 Nice articles and great advice. Thank you. Credit score is a very important element for you for your present and future credit needs. Whether you need money for investing or for some personal use, your credit score can make or break it. <a href="http://investonym.com/dictionary" rel="nofollow"> money</a> Nice articles and great advice. Thank you.

Credit score is a very important element for you for your present and future credit needs. Whether you need money for investing or for some personal use, your credit score can make or break it.
money

]]> By: Ways to Improve Your Credit Score | Everything About Credit http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-120978 Ways to Improve Your Credit Score | Everything About Credit Wed, 08 Jul 2009 14:15:21 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-120978 [...] article source [...] [...] article source [...]

]]> By: charlene http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-120901 charlene Fri, 03 Jul 2009 19:07:07 +0000 http://genxfinance.com/2008/02/05/15-ways-to-establish-and-improve-your-credit-history-and-fico-score/#comment-120901 I want a new house, I just graduated from school as a RN and making good money but my credit is bad. when I went to inquire about the house they said my score have to be atleast 550, but its under that. I want to buy my home atleast within the next 8-12months. If I pay off my debt, do you think my scrore would increase by then? its 515. I want a new house, I just graduated from school as a RN and making good money but my credit is bad. when I went to inquire about the house they said my score have to be atleast 550, but its under that. I want to buy my home atleast within the next 8-12months. If I pay off my debt, do you think my scrore would increase by then? its 515.

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