Credit people please help..Credit Question?
919584
To rebuild your credit you should leave a small balance and pay on it every month on time. What they are looking for is a history of payments to show that if they loan you money on something that you cant pay in full like a house or a car, that you will make the payment every month on time. You also have a right to put an explanation on your credit report for the accounts that were pass due, something like job loss, illness, divorce that will explain why you got behind on those accounts. To do that go to your local credit bureau offices (you need to go to all 3 since they do not share info).
350470
Well all of you information will be on your credit report for 7 years.  Charged off accounts impact your account negatively, only when they are paid in full will they bring your score back up.  If it is not listed on your credit report DO NOT worry about it, if you are only worried about your credit score.  Looking at your scenario, it looks like your credit is in the high 500's, low 600's.  I would suggest keep making payments on time, do not close out any accounts that are currently paid to date, and if you have any more questions contact me... :)\n\ngood luck.
365814
I don't believe it is fair.  There could be something on your credit report that is there erroneously.  Plus, on top of that, each time a company runs your credit it shows up as an inquiry on your report & that makes it look like you are applying for credit all over the place.  Then when you actually apply for credit, the credit issuing agency sees all the inquiries & that has a bearing on whether you are approved or disapproved for future credit.
268242
any credit agency...get a credit check..
909911
It might be helpful for you to get educated on how the credit score is calculated. Then you can see the whole picture. See Below:
1158534
When I started my credit repair, I went to "many" different credit repair sites. Some were terrible, some were no help, but I had finally found a couple good ones that I've learned alot from (one in particular).\n\nDon't use a site that charges you for their info on credit repair, you can find the same things and probably more on other sites.\n \nI'm listing the best site that I had found.
68414
K, I don't know about paying some one.  Look for private owners (apartments that are small, like one building, or several buildings with multiple private owners)  private owners are less likely to check your credit history.
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
29216
get ur credit report from all 3 places.equifax, experion, and there is one more..can't think of the name. Check it. Maybe there is things on there that should not be, if so, tell them and the credit place will have to place a rebutal on there and then you will have time to figure that out. Also place a FRAUDULENT ALERT ON THE REPORT. The agencies will have to contact you before anything is placed or bought.  And if there is things on the report over 7 years, call them and explain to them, most of the time, they will take it off. In some cases, the place you had credit with probably doesnt exist anymore and when the credit ppl send a inquiry, it will come back unanswered and they will have to clear it off of the report. keep a check on ur credit every year. each agency will send you one report free yearly. hope it helps
820670
I don't think it will matter much.  They really need to look at your credit...that is what matters most!
200993
If you just paid them of it will usually take about 30 days for that to reflect on your credit report.. how bad is your credit if is under 600 you should contact a company called nations point.. 800-770-4277 or H&R Block Mortgage  they usualle work with people that have less than perfect credit.. if you credit score is under550 you should waith or else your interest rate will be really high .. if your credit score is over 600 or better then call E-loan they have some really good programs .. that might be able sutable for you. I work in the mortgage industry
838239
You have several good answers here. All I want to add is that credit is a numbers game. The better you understand it, the better you can be at improving it and keeping it high. Here's a little more info that might help:\n\nhttp://financialbasics.blogspot.com/2006/11/credit-reports-and-credit-reporting.html\n\nEnjoy!
292290
Before I learned how to repair my credit.......ZERO....now that I have cleaned my credit and did it on my own.......let's just say I have more than I need and I use them all and all are at zero balances. Always pay in full. They aren't getting a red cent of interest off of me. If you must really know......5 visa, 10 mastercard, 1 discover, and 5 american express.
1080999
what dose that have to do with credit
793943
Contact the major credit bereaus. They can provide you tools to correct it without involving the law.
465727
First, you need to obtain all three of your credit reports from Equifax, Ecperian, and Trans Union. There is a fourth, somewhat smaller bureau called Innovis (Minneapolis, Minnesota). It would do good to ask for a report from them as well. Set a goal as to the time frame you want to "clear" your credit. Judging from your credit reports, assess which negative reports will be "falling off"(7-10 years, depending on the case), and which ones you need to pay. Before you pay anything, try to do what is called a "debt validation", . This is when you can write letters to creditors requesting proof of what you owe. If they can prove you owe it, then write certified letters to the company(s), and negotiate how much you will actually pay. If not, then request via certified mail that they remove negative listings from your credit report. DO NOT CALL THEM, and if they call you, simply say "no comment", and hang up the phone. MAKE SURE you get any promises in writing, including the promise that they will promptly report to all 3 credit bureaus that you have satisfied your debts. Budget yourself. Save whatever you can, and pay off debt in lump sums. This is a long process, so be patient. It is well worth your time. I have said this time and time again, but this is a great website. It helped me greatly when I was getting my credit together: www.creditinfocenter.com    This site also has some templates for the letter I was just talking about. This stuff works, and you will be using the same steps all these debt consolidation companies use, and get results. The only difference is is that you will be saving yourself some money.
1138351
Credit offers that are "pre-approved" have not actually looked at your credit... yet. But if you call them and say you want their offer, they will dive into your credit report. \n\nYour credit scores are GREAT. Now you have to work hard to keep them there. Having 3 credit cards as a student (paid off, if I read your question correctly) is plenty. Don't get more. \n\nBanks and other lenders look at several factors when evaluating you for credit: \n1) Credit score \n2) ratio of actual debt to potential debt\n3) ability to pay back\n4) number of inquiries\n\n1) Credit score is the whole calculation of the other items. It takes into account how long you've had your credit file open (9 months for you), how much you have outstanding, how high your credit limits are, and how well you've paid your debts over time.\n\n2) Ratio of current debt to potential debt means if you have a credit limit on a card of $5000, and your current balance is $1000, then you have only borrowed 20% of your maximum. This can cause concern if you have 3 or 5 cards in the same boat. You have $3000 outstanding, but if you ran out today and started buying things, you could run up $15000 very quickly. They want to know if you have the ability to handle that potential debt load and associated payments.\n\n3) Your job. How much you earn per month in relation to how much you can afford to pay back each month.\n\n4) How many places are you trying to get credit, and how close together are your applications? If you apply today to one place, and another tomorrow, the second place does not know if you were approved or not at the first place. You have more potential debt out there, and are therefore a higher risk than if you had simply tried the one place. Certian situations are looked at differently than credit cards, such as car loans and mortgages. \n\nAny loan that is secured by your signature (yes, a credit card is still a loan, just a different type) is called Unsecured Debt. Lenders do not like to see a lot of this because they have no recourse if you default on the loan. If you default on your car payment, they can take your car. Same with a house payment. They cannot take your signature.\n\nKeep your debt low, your number of credit accounts low, and keep making payments regularly. Don't apply for a lot of credit, you already have enough. The longer you go without inquiries, the better your scores will be, and the more likely you will be to be approved when the big ticket item is needed.