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Got Bad Credit?? Need It Fixed??


 
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 5 months ago '13        #626
412Sadom 5 heat pts
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 Datsallfolks said
You got it!! There is many things you can do from home now that will build that CS! Secured credit cards with lower than 30% utilization and self lend loans. The self lend loans get a hit from some people because you dont technically get a loan when you get one. But you pay every month a small amount and you go a full term, then at the end, you basically get all the money you have paid and they build your credit. The only debts I would pay off is student loans and credit card debts thats it. I wouldnt do medical, small loans, car repot, broken lease (unless you need an apartment where they checkin). Its easy bro. Real easy!
I was gonna use the self lender app to get started..did getting a secured credit card help or hurt u?
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 5 months ago '18        #627
Datsallfolks 
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 412Sadom said
I was gonna use the self lender app to get started..did getting a secured credit card help or hurt u?
Thats how I got my self lender. It was worth it! But the SC helped a lot. The one month I bought my moms birthday gifts and dinner with the family, I used 70% or so. They reported on the 5th so my payment took til the 11th and I definitely hit like almost 30 points. eh....but I havent touched it since I paid so my CS should jump back up to where it was by end of this month. I still got about 6k in debt with stuff I am paying and not paying. Still my credit score has been 640 (now 611 from the secured card) and I got $23k-$24k auto loan approved.
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 4 months ago '15        #628
jharlem0500 17 heat pts17
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Pay your bills.

Stop buying things you can’t afford.

Live within your means.

Stay home sometimes.

Go to the grocery store and cook instead of eating out.

Stop trying to be fly. Having money in your pocket is better than looking like money.


The end.
+5   

 4 months ago '04        #629
Duntaz 70 heat pts70
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 Datsallfolks said
Thats how I got my self lender. It was worth it! But the SC helped a lot. The one month I bought my moms birthday gifts and dinner with the family, I used 70% or so. They reported on the 5th so my payment took til the 11th and I definitely hit like almost 30 points. eh....but I havent touched it since I paid so my CS should jump back up to where it was by end of this month. I still got about 6k in debt with stuff I am paying and not paying. Still my credit score has been 640 (now 611 from the secured card) and I got $23k-$24k auto loan approved.

Which selflender did you get the $25 a month for a year joint?
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 4 months ago '15        #630
Hellmatic 2 heat pts
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I don't think I ever had credit at all. Never got a credit card or anything like that, I don't like owing money especially on interest. If I were to get credit now what's the most I could borrow?
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 4 months ago '15        #631
jharlem0500 17 heat pts17
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 Hellmatic said
I don't think I ever had credit at all. Never got a credit card or anything like that, I don't like owing money especially on interest. If I were to get credit now what's the most I could borrow?
Nothing. No credit is like bad credit.

Get a secured card with a $200 limit from Capital One.

Take care if it and go from there...
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 4 months ago '04        #632
C.R.I.P. 4 heat pts
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man whoever bumped this shoutout to you. motivated me to get myself right. im tired of being a idiot. Can't live off pure cash forever.

 4 months ago '15        #633
DamianDragunov 
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 4 months ago '18        #634
Datsallfolks 
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 Duntaz said
Which selflender did you get the $25 a month for a year joint?
Yep sure did!!

 4 months ago '04        #635
Duntaz 70 heat pts70
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 Datsallfolks said
Yep sure did!!
How many months are you in so far? How soon did you see a score increase after you started?

 4 months ago '18        #636
Datsallfolks 
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 Duntaz said
How many months are you in so far? How soon did you see a score increase after you started?
Fourth month was last so this here is coming on 5. It raises 6 points a month immediately, due to the "loan" balance reducing. Makes a difference 5 months later, especially at the end. Clock all the credit points and get the money. Would recommend.

 4 months ago '04        #637
Duntaz 70 heat pts70
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 Datsallfolks said
Fourth month was last so this here is coming on 5. It raises 6 points a month immediately, due to the "loan" balance reducing. Makes a difference 5 months later, especially at the end. Clock all the credit points and get the money. Would recommend.
Myjewelersclub will add 5k to utilization. But you have to pay $99 enrollment and buy something $200 for enrollment but you also have to put 50% down on the item. I'm doing mine this week for utilization. You'll pay about $175 out the gate to get the line. It's bullsh*t jewelry only thing they have worth buying are G shocks.
+3   

 4 weeks ago '11        #638
whouthinkitis 21 heat pts21
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Anybody know about or uses PayPal Credit?

I'm trying to get my money back in order but I was going over my statements from last year and a lot of sh*t is not adding up to me about how they charge interest.

I think they scam ppl with their interest rates.

 3 weeks ago '07        #639
Monroe200 
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How bad is closing credit cards I got like 9 credit cards from like the past 10 years. I am trying to cut down to like 3 I finally got credit looking good. I am wondering how it's going affect me cause I am getting charge on like 5 of them every month.

 2 weeks ago '17        #640
MeziaaTheGoD 
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 Monroe200 said
How bad is closing credit cards I got like 9 credit cards from like the past 10 years. I am trying to cut down to like 3 I finally got credit looking good. I am wondering how it's going affect me cause I am getting charge on like 5 of them every month.
Closing your oldest credit cards in good standing will drop your score tremendously. A huge part of having good credit is the age of the credit. Just keep your balances at 0. Pay a bill on each and pay the credit card bill with auto-pay every month.

 2 weeks ago '17        #641
yousabitch 1 heat pts
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 Duntaz said
Myjewelersclub will add 5k to utilization. But you have to pay $99 enrollment and buy something $200 for enrollment but you also have to put 50% down on the item. I'm doing mine this week for utilization. You'll pay about $175 out the gate to get the line. It's bullsh*t jewelry only thing they have worth buying are G shocks.
My jewelers club is a great tool to use. $5,000 will definitely help peoples utilization. I have seen this increase peoples score drastically



credit builder card is a nice secured credit card that you can use as well. you can open it with as little as $200 and you can open up 2 cards if you would like


 2 weeks ago '04        #642
Duntaz 70 heat pts70
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 yousabi*ch said
My jewelers club is a great tool to use. $5,000 will definitely help peoples utilization. I have seen this increase peoples score drastically



credit builder card is a nice secured credit card that you can use as well. you can open it with as little as $200 and you can open up 2 cards if you would like

Card reports 6 times a month

 2 weeks ago '15        #643
abcxyz 5 heat pts
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 MeziaaTheGoD said
Closing your oldest credit cards in good standing will drop your score tremendously. A huge part of having good credit is the age of the credit. Just keep your balances at 0. Pay a bill on each and pay the credit card bill with auto-pay every month.
i agree with everything except keeping the balance at zero. buy a candy bar or something. just something for a dollar to keep it active. then like you said, set up an auto-pay for it when its due.

having that many from 10 years ago all in good standing is great. that will keep his average account age from taking a hit when he opens any new accounts.

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