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Ask Me Credit Repair Questions


 
 
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section The Money Spot
  
 3 months ago '19        #26
crawlingtulip 1 heat pts OP
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$87 | Props total: 129 129
 yousabi*ch said
im on the webinar right now too ..i missed credit con in vegas last month smh
Wow lol, I'm definitely going to hit you up soon about some stuff. Can you PM me your email?

 3 months ago '10        #27
JWebb 
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$188 | Props total: 602 602
If your credit repair advice starts with a my jewelry club card, please stop giving advice. Open a secure card that doesn’t require you to purchase garbage jewelry to maintain your card. Get two cards if you can and make your payments every month and slowly build your credit. Don’t fall for that hype on some of these gimmicky methods to increase your score. Building credit takes time and never missing a payment. Also, monthly bills such as cell phone, cable/internet and everything else do not build your credit. What they can do is ruin it though if you don’t pay your bills.
+3   

 3 months ago '17        #28
yousabitch 1 heat pts
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$2,124 | Props total: 7583 7583
 crawlingtulip said
Wow lol, I'm definitely going to hit you up soon about some stuff. Can you PM me your email?
i sent it big dog

 3 months ago '17        #29
yousabitch 1 heat pts
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$2,124 | Props total: 7583 7583
 JWebb said
If your credit repair advice starts with a my jewelry club card, please stop giving advice. Open a secure card that doesnít require you to purchase garbage jewelry to maintain your card. Get two cards if you can and make your payments every month and slowly build your credit. Donít fall for that hype on some of these gimmicky methods to increase your score. Building credit takes time and never missing a payment. Also, monthly bills such as cell phone, cable/internet and everything else do not build your credit. What they can do is ruin it though if you donít pay your bills.
myjewelers gives someone a $5,000 limit revolving..a $200 secured card revolving does not help a person as much as $5,000. It is just a tool of the trade and does wonders for their scores in the right situation
+2   

 3 months ago '05        #30
TCalico87 36 heat pts36
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$1,406 | Props total: 90 90
 crawlingtulip said
Greetings BX fam, I started a credit repair company in California recently. I want to test my knowledge and get a feel for some questions people would like to know about how their credit works and how to improve it. Drop a question below if I don't know an answer I will bring it to my mentor and get it answered for you!

I do the same thing but in Memphis.

 3 months ago '05        #31
TCalico87 36 heat pts36
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$1,406 | Props total: 90 90
 default28 said
i have 7 credit cards, all almost maxed out. my credit score's pretty low. i make minimums per month. i tried getting a loan to consolidate it all but they never get approved.
cant think of my question yet

File bankruptcy. Then clean your report off with disputes. Takes 1-3 months to complete once bankruptcy has been added to your reports
-1   

 3 months ago '05        #32
TCalico87 36 heat pts36
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$1,406 | Props total: 90 90
 eightytyson06 said
If someone has an 799 credit score with and adds someone with a 500 credit card as an authorized user what type of jump should the later user expect just a basic question
Their score will go up some points. Yours wont be effected

 3 months ago '05        #33
TCalico87 36 heat pts36
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$1,406 | Props total: 90 90
 Foolish said
I got three credit cards but only use two.

How often should I ask for credit line increase?

Would it hurt me to have more credit cards?

Max age of credit card is 2 nd a half years.

But student loan debt from about 7 years ago
Every creditor is different. My Lowes card is less than a year old and I have 35k total credit I can use. Started out with 3k.

 3 months ago '05        #34
TCalico87 36 heat pts36
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$1,406 | Props total: 90 90
 EL GATO NEGRO said
i got no credit what so ever never even used it when i check credit karma it says N/A

whats the best way to start building credit?
How old are you?

Find two trade lines that will date back to you being 18.

If youre 28. You can buy two trade lines that are 10 years old and have a 20k limit on them. This will cost you about 1500.00.

You're credit score would be close to 800 in about a week after trade line posting date.

You then use that credit score to get primaries. I suggest using Sync to get started. Get two primaries to start off with. They will post in 2-5 days. Once they post. You can get cash loans, credit cards and car loans without even showing proof of income. You can have credit up to 200k just after one month with this method.

Keep usage under 30% or your credit score will fall under 600 and quick.
+1   

 3 months ago '07        #35
In Disguise 168 heat pts168
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$9,077 | Props total: 17291 17291
Aight I was just thinking this today. Is it smart to get a new card credit make a balance transfer every 18 months (once they start charging internet)

 3 months ago '05        #36
TCalico87 36 heat pts36
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$1,406 | Props total: 90 90
 JWebb said
If your credit repair advice starts with a my jewelry club card, please stop giving advice. Open a secure card that doesnít require you to purchase garbage jewelry to maintain your card. Get two cards if you can and make your payments every month and slowly build your credit. Donít fall for that hype on some of these gimmicky methods to increase your score. Building credit takes time and never missing a payment. Also, monthly bills such as cell phone, cable/internet and everything else do not build your credit. What they can do is ruin it though if you donít pay your bills.

Takes time? You so old fashioned. Once your report is cleared. Its take a week to build credit. These companies use computers now. Once those 10 year old trade lines are added. You in there and fast! I can have you 200k in credit in less than 30 days once your credit is cleared.
+2   

 3 months ago '05        #37
TCalico87 36 heat pts36
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$1,406 | Props total: 90 90
Sorry to have jacked your thread homie lol

Glad someone is teaching folks about getting and maintaining great credit
+2   

 3 months ago '12        #38
TrillSwag 3 heat pts
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$6,437 | Props total: 16984 16984
 TCalico87 said
Their score will go up some points. Yours wont be effected
Youíre a idiot.

 3 months ago '05        #39
TCalico87 36 heat pts36
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$1,406 | Props total: 90 90
 TrillSwag said
You’re a idiot.
If their score is in the 500's and he add his trade line, it will barely go up.

I do this for a living. Im far from an idiot.


Last edited by TCalico87; 05-18-2019 at 08:21 PM.. Reason: Misspelled word

 3 months ago '12        #40
TrillSwag 3 heat pts
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$6,437 | Props total: 16984 16984
 TCalico87 said
If their score is in the 500's and he add his trade line, it will barely go up.

I do this for a living. Im far from an idiot.
If you have a1 credit and payment history and add a authorized user with a sh*t score. It will go up for the authorized user.

 3 months ago '13        #41
EL GATO NEGRO 
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$805 | Props total: 946 946
 TCalico87 said
How old are you?

Find two trade lines that will date back to you being 18.

If youre 28. You can buy two trade lines that are 10 years old and have a 20k limit on them. This will cost you about 1500.00.

You're credit score would be close to 800 in about a week after trade line posting date.

You then use that credit score to get primaries. I suggest using Sync to get started. Get two primaries to start off with. They will post in 2-5 days. Once they post. You can get cash loans, credit cards and car loans without even showing proof of income. You can have credit up to 200k just after one month with this method.

Keep usage under 30% or your credit score will fall under 600 and quick.

im 31 and I'm definitely interested more in this method, where do i even begin to look to purchase trade lines?

 3 months ago '05        #42
TCalico87 36 heat pts36
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$1,406 | Props total: 90 90
 TrillSwag said
If you have a1 credit and payment history and add a authorized user with a sh*t score. It will go up for the authorized user.

That's if you have A1 credit and payment history.

Your score wouldnt be in the 500's if you had A1 credit and payment history.

Which goes back to why I said, your score would only go up a few points.

 3 months ago '05        #43
TCalico87 36 heat pts36
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$1,406 | Props total: 90 90
 EL GATO NEGRO said
im 31 and I'm definitely interested more in this method, where do i even begin to look to purchase trade lines?

Check your friends and family first to see what trade lines they have. Since you're 31, make sure they are older than 10 years and over 15k. You can have a lower limit trade line, but you'd get a lower limit yourself.

If you cant find a free one, Im sure the gentleman who started this thread sales them. I sale them but I aint gonna jack his thread like that lol

Be prepared to spend 1500-2000 for two trade lines to get started. And make sure all old addresses and all inquires are removed from your report.
+3   

 3 months ago '06        #44
whammy 2 heat pts
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$1,851 | Props total: 1494 1494
What's the best way to dispute a medical bill?

 3 months ago '05        #45
Tha Boss 63 heat pts63
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$27,250 | Props total: 56352 56352
 crawlingtulip said
Debt Uitlization is 35% of your score. What you need to do is find the card with the highest intrest rate and pay that off first. In order to do this you will use "Velocity banking". I will post an example a*suming your income is $1500 and you have $1200 in expenses. In order for this to work you take your entire income and pay down the balance then use your credit card for your expenses using the freed up balance. I demonstrate a simple formula below

Example: Card 1 is maxed out at $5,000 with an interest rate of 25%. Your monthly income is $1500 and expenses are $1200 leaving us a spread of $300

Step 1: Calculate Monthly Interest
*Debt x Interest = Total Interest
5000 x 25% = 1250 (Total Interest)
1250/12 = 104.16 (Monthly Interest

Step 2: Calculate Total Months To Pay Off Debt
Debt/Spread
5000/300 = 16 months

Step 3: Calculate Out Of Pocket Cost
16 months x 104.16(Monthly Interest)
Total Cost= $1736

In summary my method will cost you $1736 in out of pocket cost (Monthly interest for carrying the debt) and will take 16 months to do so.

If you need serious help feel free to reach out


I understand in. The long run this works but if heís spending his normal expenses on the credit card isnít he just repeating the cycle?

 3 months ago '19        #46
strengthofmind2 1 heat pts
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$43 | Props total: 61 61
Anyone able to help a girl out with Canadian credit problems. I done fu*ked up
+1   

 3 months ago '12        #47
Phuck Yiu 36 heat pts36
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$8,206 | Props total: 13866 13866
If you have a delquint cc how should you pay it back? I read i should make ssure they'll up my cc score if i agree to pay the delquint card

 3 months ago '09        #48
jennymocha 
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$151 | Props total: 85 85
What is the best way to establish credit? I have no credit and keeep getting denied by other credit cards because of it. I stopped applying because it hurts your credit even more. Any suggestions?

 3 months ago '04        #49
Kadroan 211 heat pts211
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$40,409 | Props total: 13939 13939
 crawlingtulip said
Greetings BX fam, I started a credit repair company in California recently. I want to test my knowledge and get a feel for some questions people would like to know about how their credit works and how to improve it. Drop a question below if I don't know an answer I will bring it to my mentor and get it answered for you!
My sister got a 530 credit score. 5 years ago she went to college and stayed in a dorm for a semester and didn't stay in it the second semester but they still charged her for it and she didn't prioritize it and they sent the charges to collections when she finally followed up with them. She claims that's what's messed up her credit. She wants to get her credit good so she can get a car.

 3 months ago '19        #50
crawlingtulip 1 heat pts OP
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$87 | Props total: 129 129
 Tha Boss said
I understand in. The long run this works but if heís spending his normal expenses on the credit card isnít he just repeating the cycle?
Eventually the card will get paid down because your income > expenses. I'm making a calculator that will do the formula automatically that I will share for free once completed.
+2   





 


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