Credit Score 490?!

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 8 years ago '05        #1
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Okay.Player 2 heat pts
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Credit Score 490?!
 

 
What do I do? I have a small loan on there a college class bill on there and a small fine I owe to a bank. But its motherf**kin 490. What the f**k do I do besides pay that s**t back?

13 comments for "Credit Score 490?!"

 8 years ago '09        #2
mtva24 224 heat pts224
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 Okay.Player said:
What do I do? I have a small loan on there a college class bill on there and a small fine I owe to a bank. But its motherf**kin 490. What the f**k do I do besides pay that s**t back?
take out about 2 credit cards, so you can get on time payments reported on a month to month basis
 01-30-2010, 12:38 AM         #3
Steveo54 
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hahaha jk.....yeah just try and build the s**t back up by doing what ^ said and staying out of debt for now on otherwise
 8 years ago '04        #4
jeehtoven 51 heat pts51
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pay the fine
 8 years ago '05        #5
Okay.Player 2 heat pts OP
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 Steveo54 said:

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hahaha jk.....yeah just try and build the s**t back up by doing what ^ said and staying out of debt for now on otherwise
lol thats f**ked up. but nah can i even get a credit card with 490 ???
 8 years ago '09        #6
mtva24 224 heat pts224
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 Okay.Player said:
lol thats f**ked up. but nah can i even get a credit card with 490 ???
Yeah there are cards for s**tty credit...I'd try cap one or a store card first...if u get turned down you can try to get a SECURED card from Wells Fargo, Citi Bank, Bank of America, or Orchard Bank (meaning u put money up as collateral and they give u a credit card based off of that)...you can also get a sub-prime unsecured credit card with very high fee from First Premier bank or New Millenium (beware, they have fees for everything...)


Last edited by mtva24; 01-30-2010 at 05:49 PM..
 8 years ago '09        #7
mtva24 224 heat pts224
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Also u can try this scheme if u can't get a card...

Take $400 (minimum) to a bank to open a Savings account. About three days later go back to the bank to request a $400 loan (set term for 1 year) using your $400 in savings as collateral. (They should have no problem lending this since u have collateral).

Now take your $400 loan and open a savings account at another bank. A couple days later ask for another loan. Do the same at a 3rd bank. Now three loans will be opened up in your name. Pay the three loans off with your $400 loan from bank C...this will give you three positive reports and increase your score!!!
 8 years ago '05        #8
Okay.Player 2 heat pts OP
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 mtva24 said:
Also u can try this scheme if u can't get a card...

Take $400 (minimum) to a bank to open a Savings account. About three days later go back to the bank to request a $400 loan (set term for 1 year) using your $400 in savings as collateral. (They should have no problem lending this since u have collateral).

Now take your $400 loan and open a savings account at another bank. A couple days later ask for another loan. Do the same at a 3rd bank. Now three loans will be opened up in your name. Pay the three loans off with your $400 loan from bank C...this will give you three positive reports and increase your score!!!
I like where your motherf**kin head is at son. I heard there was something like this for department store malls too
 8 years ago '09        #9
mtva24 224 heat pts224
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 Okay.Player said:
I like where your motherf**kin head is at son. I heard there was something like this for department store malls too
yup im in the process of fixing my s**t up too...my s**t was f**ked after i was done with college and ive kind of become obsessed with credit as of late..
 8 years ago '05        #10
Okay.Player 2 heat pts OP
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so i applied for a cap one cc. Denied. Personal Loan. Denied. I think I am going to one of those mister money stores. im so frustrated
 8 years ago '09        #11
mtva24 224 heat pts224
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 Okay.Player said:
so i applied for a cap one cc. Denied. Personal Loan. Denied. I think I am going to one of those mister money stores. im so frustrated
orchard bank (secured) , first premier bank, new millenium will approve you...fees are r*pe...but they will approve you...I had no choice when I started with them, but f**k it you gotta do what you gotta do
 8 years ago '05        #12
Okay.Player 2 heat pts OP
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orchard bank for a secured loan? I feel like those are only good if you actually have the money to secure it. I do not atm
 8 years ago '09        #13
mtva24 224 heat pts224
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 Okay.Player said:
orchard bank for a secured loan? I feel like those are only good if you actually have the money to secure it. I do not atm
oh yeah i had to pay $200 to open up my secured line...it's not bad most credit card co's charge $300 but orchard banks off of fees and raising their interest rate without notice, plus their customer service is horrible
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