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Credit Solution Repair (UPDATED) - SHizzx


 
 
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section The Money Spot
  
 5 years ago '06        #26
younghova2k3 
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my credit score is at 750, when i applied for a 2000+ load I was denied because is dont have several accounts that i am currently paying on. wtf kinda sh*t is that

 5 years ago '04        #27
ItAlY2BkLyN 242 heat pts242
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 younghova2k3 said
my credit score is at 750, when i applied for a 2000+ load I was denied because is dont have several accounts that i am currently paying on. wtf kinda sh*t is that
Yea sometimes lenders look at available credit as a negative thing. Like if I had 5 cc's that I paid off and have zero debt, but have 25,000 in available credit, the bank is scared they'll give me a loan and then I'll go max out my cc's and they will get screwed.

 10-02-2014, 08:29 PM         #28
PhillyC123 
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Any trusted sites that will repair your credit?

 10-02-2014, 08:42 PM         #29
PhillyC123 
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Tracking software.

 5 years ago '13        #30
yunghuss973 10 heat pts10
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 ItAlY2BkLyN said
Yea sometimes lenders look at available credit as a negative thing. Like if I had 5 cc's that I paid off and have zero debt, but have 25,000 in available credit, the bank is scared they'll give me a loan and then I'll go max out my cc's and they will get screwed.
Why would they think that tho?
That if anything doesn't that show that you are trustworthy?

 5 years ago '04        #31
ItAlY2BkLyN 242 heat pts242
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 yunghuss973 said
Why would they think that tho?
That if anything doesn't that show that you are trustworthy?
It's a liability on their part. They want to make sure their a*sets are secured. People pull scams all the time with credit.

When it comes to money, they don't give a fu*k about honor, character, etc though. That's why you have to send 195619376519281935 pieces of paperwork in and explain every minor bank transactions when you purchase a home. Even if you're in good standing.

 5 years ago '06        #32
Doe Sun 3 heat pts
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 kwest 4040 said
I had a credit score of 741 now it's on 688 I made all my payments on time. Can I know why ?
probably because you are utilizing a big portion of your credit.

if you have a $5000 credit line, spent $4500 in Jan, got statement in Feb for $4500, paid off $4500 in mid Feb, the $4500 will still show up on your Feb credit report showing you used 90% of your line.

Meanwhile if you're still charging your card in Feb, then it'll just continue.

 4 years ago '12        #33
Legit Jones 4 heat pts
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 youdug said
everyone on here that has a low credit score or no credit at all should look into a secured credit card.
basically what you do is put down collateral towards a credit card, say $250.
that gives you a secured line of credit for the amount that you put down.
you use it just like a credit card, everyone sees it as a credit card, it affects you like a credit card, the only difference is if you happen to miss a payment it is still looked at as if you paid everything on time on your credit report because technically you didnt miss a payment. everything that you buy, up to the amount you put down as collateral, is technically already paid for in advance.
obviously there are going to be penalties if you overdraw it and never pay the amount that you overdrew back but as long as you dont go over the credit limit you put down as collateral it will do nothing but help your credit score.
my friend never had a credit card and the only thing he ever had in his name was just a verizon bill that was never paid and went to collections for $150. his credit score was in the mid 400's. after getting a secured credit card, and didnt even pay off his verizon debt, his score jumped to the high 600's within months.
he put down $250 collateral and just makes a couple purchases a month and just pays off everything he buys right away so he doesnt collect any interest.
thanks buddy. i can get one with USAA and fix my sh*t up. I gotta move in 6 months and i know if my credit fvcked imma be fvcked too

 4 years ago '07        #34
240ka 62 heat pts62
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 locdapusherman said
yes you must keep your utl under 10%. Do this and your score will go up.
30%

 4 years ago '07        #35
240ka 62 heat pts62
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 LocDaPusherman said
anything over 10% will have a negative affect on your credit score. 30% that is wayyyyyy to high.
what did you mean by utl?

 4 years ago '07        #36
240ka 62 heat pts62
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 LocDaPusherman said
Experts recommend keeping your credit card utilization below 30 percent on each card and collectively. This shows lenders that you know how to spend responsibly and can help your credit score. However, creditors also care about the total dollar amount of your available credit, so if you have a low credit limit, it usually is not a big deal if your credit card utilization rate is slightly higher than recommended.

I skimmed because Im getting ready to go to bed but...

now of course that percentage will vary depending on how many cards the person owns

 4 years ago '09        #37
Kyoji24 
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Good looking out on this.

 4 years ago '12        #38
Wraith420 3 heat pts
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these .rar files make me paranoid.... anyone download this? wondering why it isnt pdf? is the file straight?

 4 years ago '09        #39
blackbolo 3 heat pts
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props bro

 4 years ago '04        #40
Tha Professor 
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put it up on sendspace or one of the other download spots please

 4 years ago '08        #41
eddyman11 
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Great post. Anyone have anything trust worthy or helpful for student loan debt?

 4 years ago '11        #42
jaywalker318 
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say fam, do you still have this?





 Shizz said
I know alot of ya'll are trying to get ya'll credit repaired.. I stripped this site and uploaded everything in pdf format..

i paid 60 bucks for it so i might was well try to get my money worth out of it.. The methods is pretty ingenious but very simple..

Here you go.. Have fun..

IF you have any questions let me know..

- Peace



 4 years ago '04        #43
Tha Professor 
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Is there a way to print this or combine them? I tried using adobe to do it and it ask for a password because it says you can't modify the document.

 3 years ago '04        #44
Youngporter 1 heat pts
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 Shizz said
I know alot of ya'll are trying to get ya'll credit repaired.. I stripped this site and uploaded everything in pdf format..

i paid 60 bucks for it so i might was well try to get my money worth out of it.. The methods is pretty ingenious but very simple..

Here you go.. Have fun..

IF you have any questions let me know..

- Peace


Props for this working on these letters to buy a house within 6months. Am use all of my va loan

 3 years ago '05        #45
Quddus 13 heat pts13
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I just fixed all my credit had a lot of collections removed right now I got these CC bills I need to catch up on and pay off and i am good.

 3 years ago '11        #46
atlsfinest1083 
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I'm late to the party, but I was able to increase my credit by 168 points. Here is how I did it.

 2 years ago '04        #47
Shizz|M  OP
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Just Posted an update for this

 2 years ago '04        #48
jsmooth-117 15 heat pts15
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Posting to read later

 1 year ago '07        #49
Sincere730 16 heat pts16
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Sharing is caring

 12 months ago '14        #50
breezeus313 
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anyone got the files??
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