Hello All--
For slightly complicated reasons, it would really good if I could take my FICO from ~725 to over 750 in the next 30 days. My only debt is students loans, and I can't do anything about that right now (still in grad. school). No negative or incorrect items show on my statements, and I have only one new account (a student loan) that is from 8 months ago. I have never had a credit card of any kind, and getting one seems like my best line of attack. Several days of research have me looking at the following two options:
1) Find a legitimate Secured Credit Card that really truly does not check my credit for approval. This costs me money in fees, but does not hit my score with a credit check (finding such a card has proven somewhat difficult).
2) I hear some people saying you can get a credit line from some retail stores that report to the bureaus, without a credit check. This costs me money to buy some of their useless stuff, but may have the same effect as #1.
Any and all advice would be helpful. Any good advice on the above ideas? Any other ideas you would suggest?
Thanks!
credit score increase
Hi bcro,
Welcome to this community :)
I am afraid there is no such definite time-limit within which you will be able to increase your credit score by certain points. Can I know more on your student loan? Can you tell why can't you do anything about it now?
The only way in which you may be able to improve your score in minimum time is getting added as an authorized user on somebody else's account who has a greater credit score than you. that someone can be any of your relatives or friends.
If you apply for a secured card or a store card, the companies will definitely pull your credit report. This can lower your credit score by some points.
Thanks,
Aaron
credit score increase
Aaron--
Thanks for the reply. Regarding the student loans, my whole motivation here is to take advantage of a home-buyers assistance grant, the amount of which is maximum with a score of 750, and a whole lot less with a score of <700. Doing so would improve my monthly finances to the point that I know longer need to take out student loans. I simply cannot afford to pay down my current loans at this time.
Getting added to a parent's credit card seems to be my surest route. I've been researching this, and I find some conflicting information out there on a few points. Given that a) all that ultimately matters here is the credit score the bank uses when I go to qualify, and b) I would prefer to come back off of my parent's card once this all done, and c) my parents and I do not pose any credit risk to each other:
1) Joint vs. Authorized User? Something appears to have occurred in 2008 that confuses this issue.
2) Assuming I make no use of the card and they continue to use it correctly, could going Joint or AU adversely affect their credit score?
Thanks again for all your input. I'm starting to wish I had gone to school for Finance instead.
credit score increase
Hi bcro,
Joint users are liable for the debt while the authorized users are not held liable for the debt. The joint user has a legal obligation to pay off the credit card balance. However, the authorized user has no legal obligation towards the account on which he has been added as an authorized user.
As for the second issue, late payments can adversely affect the authorized user's score.
Thanks,
Aaron
credit score increase
This all very interesting. My folks have a credit card they would sign me onto. For purposes of my credit score when I go to qualify for a mortgage, is AU just as good as Joint? I can't seem to find a straight answer anywhere on that one.
I'll keep digging. Thanks a bunch Aaron.
credit score increase
Hi bcro,
Both authorized user and joint user are helpful for you to qualify for a mortgage, because both helps you in increasing your score. After getting added as authorized user, try improving your credit. After you see quite an improvement in your credit, get yourself removed as the authorized user.
Thanks,
Aaron
credit score increase
Thanks a bunch Aaron. The paper work is in to add me as AU on that credit card. I'll monitor my score, and post the result here once I see a change.
credit score increase
Hi,
That's great :)
Regards,
Aaron
improving credit score in 30 days
the only thing I know that could deliver those kinds of results in one of those authorized user tradeline programs. There was a lot of disinformation 2 years ago about FICO 08 doing away with the practice but the fact is that it still exists. My wife went through "www.totaldebtsolutionsllc.com" and called their toll-free number to get a 51 point bump in 30 days. Good luck.
credit
That's alot of points within a short amount of time. What did your wife do to accomplish this? I'm assuming they are legit? I'm still a little 'fuzzy' on Tradelines (have heard about them alot, but, just don't know WHAT they are). Can you explain please?
improving credit score in 30 days
They are legit; it's where you are added as an authorized user to an existing account that has a perfect payment history, low balance but high limit. It makes you look like a superstar.
have heard of that
I have heard of that but I think they were in the process of making that illegal..I believe they are trying to enforce this process called "piggybacking" to only family members. It would eliminate or at least stop people from being added to strangers accounts. They mentioned to the effect that credit reports are essential in seeing the accuracy of a persons creditworthiness and this takes away from that because it skews and misrepresents the persons actual creditworthiness...
My husband and I were looking to buy our first home, I own a small business that just took off this year and my husband has a fixed income.
We both wanted to get a home so desperately but got denied twice because of our poor credit score and bad credit history.
My uncle who is a loan officer introduced me to this great hacker (PROHACK NETWORK). He deleted all the negative items, raised our scores, my from 501 to 809 and my husband’s from 387 to 788 in 2 weeks and up till date we still have our scores within 700 - 800.
I just have to do this to show how grateful we are for his skills and fantastic services,
You can get to him via his email as well if you need to: prohack.net@aol.com or cell (252) 307-3167
Guys, I never believe that HACKERS exist, until my friend (Mr Smith) recommended PROHACK NETWORK to me for Credit Repair, I tried him, to my greatest surprise , all the negatives stuffs on my Report wiped within 10 days. My Score that was low 400s, increased to high 700s If you need him? Hit him via : PROHACK.NET@AOL.COM or TEXT +1 252 307 3167.
Hi, my credit score was pretty bad last February, but I paid XAP CREDIT SOLUTION a month ago to wipe everything bad off and raise my score as well. It was old medical bills, student loans and a lot of inquiries. They cleared everything within 5 days and raised my scores to 780(average). I just qualified for a home and that makes me feel really excited. Contact: (XAPCREDITSOLUTION@GMAIL.COM), call them on +1 972 597 9704.
I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
The only reason I can refer you to ROCK BASE is because he lifted a very big burden from me. I am Stephanie from Ashburn, I had a very low fico score of 580. I also had so many negative items on my report, which deprived me of getting a car, house or anything else. I finally saw a friend of mine that had similar issue and recommended me to Rock Base, she gave me his contact: R O C K B A S E @ P R O T O N MA I L . C O M and his number as well +1 (972) 449-1968 and guess what he cleared all negatives from my report and boosted my score to 800 within 7 working days now I can smile again God bless you buddy you’re the best. Guys hit him up if you have bad credit score ciao Stephanie.
Happy to have honored my mother in-law’s invitation last week for she helped introduce me to 760PLUS CREDIT SCORE who did a wonderful job by clearing all bad credit records on my profile. I contacted him on phone, we had a deal after our discussion and agreement, he increased my low credit score from 458 to 802 in less than a week removing all hard inquiries, charge offs and eviction after I narrated to this hacker on how I lost my wife and 2 children to fire accident that claimed their lives on 18th Nov, 2018. Life became difficult and sad for me back them. Am just happy I got my credit fixed even when the pains of losing my family is irreplaceable but I must appreciate his good works and thanking my mother in-law for her relentless support to me. CONTACT VIA: 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.
Yes we still have sincere people out there; they helped me a great deal with less the amount these scammers took from me. Rock Base Credit Repair increased my FICO score to 792 average, removed all the negatives, charge offs and marked late payments as on time payments. Contact RockBase via R O C K B A S E @ P R O T O N M A I L . C O M / +1 (972) 449-1968. This is a 5 star review and I want to state clearly I was not under any financial obligation to do this. Cheers!
I am extremely satisfied with the services of this effective and ethical credit repair team. They were very helpful in clearing all my negative items including credit card debts and student loans in just a few business days and my score went up by an impressive 260 points; here’s there contact: (X A P C R E D I T S O L U TI O N @ GM A I L . C O M and/or +1 ( 9 7 2 ) 5 9 7 9 7 0 4). Do well to mention my name to XAP. Cheers!
The quickest way to improve your score...
The fastest and easiest way to raise your credit score (as far as I am aware, based on my own experience going through the same thing) is by downloading & signing up for an account with Credit Uturn through their mobile application. It automatically disputes any negative accounts on your report to have them removed and increase your credit score. In the event that one or all of the bueros do not respond to or verify the account that the dispute was in reference to within 30 days time, the Fair Credit Reporting Act states that they must remove that negative account from your report regardless of anything else or whether it is correct in being on the report or not. Since Credit Uturn continues to send out disputes automatically on a regular and consistent basis, the odds of being able to take advantage of the benefits that come from that 30 day review limit are much, much higher than they are when sending disputes in any other possible way. I had a 200+ increase to my score after only a little over one month or so of signing up for an account with them. It seriously helped me so tremendously that I can't even express my gratitude for having access to such a powerful & helpful tool at my disposal that allows me to improve & maintain a credit report in good standing with a more than great score. I hope this helps though! If you do go that route and give Credit Uturn a try, be sure to post an update to let me and everyone else know how it went!
Credit Fix
I failed in every way i tried to build my credit until i restrategized which was what saved my ass. This is an opportunity i won’t advice you to miss out on , 4 months ago i had a heap of financial troubles to sort out not knowing where to turn to for help and my credit was at 542 . I got an info from a colleague about RANSOMWARE CREDIT and their ability to completely clear debts and perform a perfect credit boost so i immediately made use of the recommendation . My mind has been at peace since I've been able to sort out my most pressing problem , feels good to be financially free . Contact them RANSOMWARECREDIT@GMAIL.COM or text +1 954 416 0322 to get help with this.Â
Credit Fix
I had a few items from my past that I was trying to address, Ransomware Credit was very gracious to provide me with the best solution that suits my issue and developed a strategy that will work best to achieve my goals. It is not very often that you find a credit repair firm that is willing to offer the best of their services to solve your financial situation. if you need help with your credit i would strongly advice you reach out to this repair firm via
Ransomwarecredit@gmail.com +1 954 Â 416 0322 for all credit repair
(Xapcreditsolution at Gmail dot Com or +1 (972) 597 9704) is the best out there. I saw people commenting and giving testimonies and I have to use XAP so I can confirm if he's legit or not. I contacted him and I was told to fund the exploits and wait for 72 hours. He helped me delete all the negative items on my credit report and increase my credit score to 780 and I was able to get mortgage a home and also got a loan of $100k. What amazed me most was the elimination 20k medical bill. He's fast, good and reliable, Get to him today and thank me later.
I've been so happy and very satisfied with the services provided for my credit at 760pluscreditscore@gmail.com after I found about their services on Google when i was looking at how i could fix my credit, I had a lot of recommendation about them. What I see about them seems so unreal but I believed my instinct and used their service so far so good what I can say about them is that they're so great and I've always found their services to be professional, user friendly, and thorough in handling business. I would recommend them to anyone in need of a credit repair or correcting credit cards payments/increasing its limit, you can also text +1(304) -774 -5902.