HOW TO: Improving Your FICO Credit Score

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 4 years ago '06        #21
Beantown Bully 12 heat pts12
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Get a bunch of credit cards

Buy goods that will increase in price

Sell those goods at a profit

Don't pay 1 bill

Keep all the cash

Pay for everything in cash and stay off the grid


**Plan for American 2013 and Beyond**

All of this mumbo jumbo about credit was great advice, prior to September 11, 2001

Now it's every man/woman/child for themselves


Last edited by Beantown Bully; 08-21-2013 at 11:38 AM..
 4 years ago '04        #22
Duntaz 54 heat pts54
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 specialk103185 said:
If you don't have a credit card, get one--even if you only use it for gas and then pay it all right away. There's just no way around it...you NEED credit. OK, there is one way around it and that is to pay for everything in cash for the rest of your life, but that's not the way to build financial success. In order to buy things like houses, cars, rental property, businesses etc. you need credit. The only way to get credit it is to either establish it yourself, or become an authorized user on someone else's credit card. Make sure if you do this, it's some one that you know has good credit and pays their bills on time. Otherwise, they will drag your credit score down with theirs. But anyone that says you don't need credit is lying to you.
Aint that the truth & alot of these youngsters, hell even grown a.ss men idolizing entertainers selling you the illusion that they pay for everything in cash. What they don't show & tell you is that they have excellent credit. An alternative or concurrent way of building credit along with credit cards are secured loans which credit unions usally offer to build credit "credit builder loan". You can add anywhere from $250 on up on secured cards but I'd gradually increase the limits to atleast 1,000. So when you finally do move on to unsecured let's say after 6 months they will offer higher limits once they check your credit & see the limits your already managing responsibly. But with about 3-5 cards managed correctly, you'll have great credit in about 6 months.


Last edited by Duntaz; 08-21-2013 at 06:49 PM..
 01-17-2014, 06:41 PM         #23
Raidermont 
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If you have errors on your credit report, write the credit bureau to dispute it, and the have 30 days to research and answer you back. If they fail to meet the 30 time requirement, they have to remove it.
 3 years ago '09        #24
yankeeboytwo 
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 JoeDoe22 said:
The way our society is set up you need a good FICO to be able to buy that complex.
Agreed
 2 years ago '04        #25
Kadroan 87 heat pts87
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 Duntaz said:
Aint that the truth & alot of these youngsters, hell even grown a.ss men idolizing entertainers selling you the illusion that they pay for everything in cash. What they don't show & tell you is that they have excellent credit. An alternative or concurrent way of building credit along with credit cards are secured loans which credit unions usally offer to build credit "credit builder loan". You can add anywhere from $250 on up on secured cards but I'd gradually increase the limits to atleast 1,000. So when you finally do move on to unsecured let's say after 6 months they will offer higher limits once they check your credit & see the limits your already managing responsibly. But with about 3-5 cards managed correctly, you'll have great credit in about 6 months.
Could you live off a secured loan while trying to find another job?
 2 years ago '04        #26
Duntaz 54 heat pts54
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 Kadroan said:
Could you live off a secured loan while trying to find another job?

It depends on the collateral. But once you get a steady job I'd apply for a checking line of credit so that won't have to be your only option. Most credit unions offer it. That's why I'm glad I'm with Navy Federal their LOC goes up to 15k. I'm only at 5k but now that I have it I can ask for an increase every 6 months so I should have the full 15k by the end of the year. But I'd say a secured loan is the best choice if you're not working. It's better than fu*king with those payday or title loans they will charge you 100% interest or more.


Last edited by Duntaz; 04-07-2015 at 06:14 PM..
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 10-18-2015, 05:25 PM         #27
Raidermont 
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 Raidermont said:
If you have errors on your credit report, write the credit bureau to dispute it, and the have 30 days to research and answer you back. If they fail to meet the 30 time requirement, they have to remove it.
I agree, I disputed everything. It works.
 1 year ago '14        #28
dpl313 
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For those disputing credit. Hoping this helps.

[video - click to view]



Last edited by dpl313; 01-21-2016 at 08:56 PM..
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 1 year ago '15        #29
Pa live 3 heat pts
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U can pay to delete accts. In collections
 2 weeks ago '05        #30
Quddus 11 heat pts11
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 Pa live said:
U can pay to delete accts. In collections
it's not easy when I had some stuff pop up on me. They told me that was false. But I am sure all these companies be lying.
 2 weeks ago '04        #31
sar6on 2 heat pts
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I had a 810 credit score until i found out I had a medical bill unpaid since 2011. I never received a letter that i owed them money. It was only for 45 dollars! I paid it as soon as I found out which was literally a few months ago. My credit score took a hit because the hospital was too stupid to inform me.
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