How can I fix my credit as fast as possible?

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I need a higher FICO credit score and credit rating to get a mortgage loan for a condo…..

7 Comments
  1. Reply
    oncameratalent
    May 3, 2011 at 11:43 pm

    One great way to repair or build credit fast is to get a secured VISA or MasterCard. A secured credit card is one in which you open up a savings account with the card issuing bank. This savings account is used as a security deposit for your credit card. Your credit limit is based on the amount that you deposit into the savings account. Once you have established a good record of payments on the credit card, the savings account funds are returned to you. Only use this secured credit card for gas or a few small purchases each month. When you get your bill, pay it immediately but overpay it by about $ 10 – $ 15. That way you always have a negative balance. The FICO system accelerates your credit rating quickly by doing this. Just make sure that you NEVER are late on making that payment. This method worked very well for me when I had very bad credit. After receiving my secured credit card, it took about 8 months before I was receiving pre-approved non secured VISA and MasterCard offers from large banks.

    More info on this topic here……

    http://fixingyourcredit.blogspot.com

    You can also find information and resources about obtaining the best interest rates possible on loans here….

    http://lowertheinterest.blogspot.com

    _______________

  2. Reply
    bdancer222
    May 4, 2011 at 12:06 am

    If you are carrying credit card balances, pay them off. Carrying balances of more than 30% of your available limit kills your score.

    Other than that, there are no quick fixes. Good credit comes with time. You need a minimum 24 month consistent, on time credit history.

    If there are any negative items on your report, you have to clean them up. Start with the newest one and work backwards. You can ask for delete for payment which will help your score. Some creditors will, some won’t. Be sure to get any settlement agreement in writing and do not give them access to your bank acount.

  3. Reply
    Jasmine H
    May 4, 2011 at 12:18 am

    freecreditreport.com

  4. Reply
    kapn
    May 4, 2011 at 12:54 am

    If you have poor credit…it will take time to repair….

  5. Reply
    diana a
    May 4, 2011 at 1:50 am

    To Repair credit score
    Your credit score is based mostly on:

    1. Length of credit history
    2. Payment history.
    3. Ratio of credit used to available credit.
    4. Number of credit inquiries you authorized.

    If you cancel your card, you’ll be hurting your credit ratio. (#3).

    You want to deliberately keep your oldest credit card open, even if you never use it.

    You want to always pay the minimums of each loan on time every month.

    You want to keep your available credit high, but actually only have balances equalinig 25% or less.

    You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.

    You do these things and your credit score will quickly soar into the 700s.

    ————————————————-
    http://www.bestcreditrates.net

  6. Reply
    Steve R
    May 4, 2011 at 1:56 am

    Pay all your bills on time.

  7. Reply
    Hood C
    May 4, 2011 at 2:43 am

    I am Mr Shawn from SKYLOANS .A goverment approved and certified lending company.Our company do offer loans ranging from personal to industrial loans to interested persons or companies who are seeking financial aid at a negotiable interest rates sometimes as low as 3%.Why should you die in silence when you have an opportuinity to clear your dept,start or boost your business with a loan from our company.so apply for a loan now.
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    (Foundation officer)

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