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Replies (7)
- Catherine Sun, "Catherine Sun"
- Contributions:30
One of the ways is to look over your report and make sure that revolving credit cards balances are at or below 30% of your credit limit. If you pay off your balance every month, and the balances shown on the report is more than 30% of your credit limit, then you might be able to improve your scores simply by providing proof showing 0 balances and updating that with the credit bureau through a re-score by pulling another credit report after the information has been updated. But you need to be careful and check with your lenders beforehand to see if a re-score will be accepted.
The credit report company that provided you with the credit report should also be able to provide you with a credit analyzer. It's a relatively affordable service that suggests ways for you to improve your score for example, like mentioned above, by paying down certain accounts, etc. How helpful that might be on improving your score depends on how much time you have and your credit history.
The credit report company that provided you with the credit report should also be able to provide you with a credit analyzer. It's a relatively affordable service that suggests ways for you to improve your score for example, like mentioned above, by paying down certain accounts, etc. How helpful that might be on improving your score depends on how much time you have and your credit history.
- Tony Gim, "tonygim"
- Contributions:158
You are doing well.
To get to a 750+ FICO score will require you to become an expert and study 8-24 hours.
Credit card balances must be below 25% of the credit limit at all times. Pay all of your bills 5 days before they are due (not 5 days before they are late.
To get to a 750+ FICO score will require you to become an expert and study 8-24 hours.
Credit card balances must be below 25% of the credit limit at all times. Pay all of your bills 5 days before they are due (not 5 days before they are late.
- Martin Wareing, "Martin Wareing"
- Contributions:3772
It's not really a video game that is mastered. Scores rise over time with great history... which requires... time... good luck. you are well on your way.
- Liberty Mortgage
- Contributions:470
First and foremost your revolving debt should be at 20% of maximum credit- i.e.- Say you have a card with a $1000 credit limit- The maximum monthly recurring balance should not exceed $200. Doing so, will maximze your score.
- Michael Mullin, "WA and CA FHA Expert"
- Contributions:369
You don't say why you need to get your scores up "fast." If you are applying for an FHA loan then there's no reason to be concerned. Conventional loans with low down payments definitely have some price increases if you are below a 740 but they shouldn't be high enough to stop you from getting a loan.
Catherine mentioned "credit analyzer." This product is available to most mortgage lenders via their credit report accounts. In my experience it is the one tool that accurately and quickly generates a report on how to get to where you want to be with your score - if possible at all.
For very good information without being solicited to buy something go to the government's official web site for free annual credit reports.
Catherine mentioned "credit analyzer." This product is available to most mortgage lenders via their credit report accounts. In my experience it is the one tool that accurately and quickly generates a report on how to get to where you want to be with your score - if possible at all.
For very good information without being solicited to buy something go to the government's official web site for free annual credit reports.
- Bentley Advisors
- Contributions:294
Even at annualcreditreport.com, you will ultimately be solicited to purchase your credit score and other misc pkgs and services. It's quite annoying. Even so, you can navigate past all the bells & whistles they throw at you. You can choose the "free credit report" only if you wish although they tend to make it more difficult to find this option to order the free report only. Don't say I didn't warn you ;).
- DaveAndersson
- Contributions:268
Credit scores are also improved as you diversify the types of accounts that you have. If all your accounts are revolving accounts (credit cards), you will not be rated as highly as someone with a combination of revolving, installment and mortgage accounts. These take to get to rated and build payment histories. You can place your name on the 'opt out' list which creditors doing soft pulls. The main things are to pay on time and don't large balances in relation to your limits.
how can i improve my credit scores fast i currently have 700,705 and 719
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