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The Water Cooler
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My Credit Score Is Zero...
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<blockquote data-quote="MrShooter" data-source="post: 3124650" data-attributes="member: 14771"><p>Mine is 750-760. Its not as simple as buying something and paying it off. There are tricks to it</p><p></p><p>*First off, you need a few credit cards, as bad as it sounds. Dont have to go spend them all the way up. Keep the balance around 20-29%. Dont exceed that. Make it auto drafted monthly. Use the cards for things that will help you make money...or waste it..w/e.. (HIGH IMPACT)</p><p></p><p>*Never cancel a credit card. ever..</p><p></p><p>*CREDIT UTILIZATION RATE. Pay attention to it. Keep it low. (HIGH IMPACT)</p><p></p><p>*Some people with loads of cc debt can get a personal loan from a local bank (with a origin fee) or online through someone like Avant. Your score will rise when your C.U.R lowers, you'd think it'd transfer and stay but they don't count a loan in your utilization rate.</p><p></p><p>*CREDIT AGE. Every time you apply for a credit, it will drop. Goes off an average . But if you're starting at 0...you got nothing to lose.(LOW IMPACT)</p></blockquote><p></p>
[QUOTE="MrShooter, post: 3124650, member: 14771"] Mine is 750-760. Its not as simple as buying something and paying it off. There are tricks to it *First off, you need a few credit cards, as bad as it sounds. Dont have to go spend them all the way up. Keep the balance around 20-29%. Dont exceed that. Make it auto drafted monthly. Use the cards for things that will help you make money...or waste it..w/e.. (HIGH IMPACT) *Never cancel a credit card. ever.. *CREDIT UTILIZATION RATE. Pay attention to it. Keep it low. (HIGH IMPACT) *Some people with loads of cc debt can get a personal loan from a local bank (with a origin fee) or online through someone like Avant. Your score will rise when your C.U.R lowers, you'd think it'd transfer and stay but they don't count a loan in your utilization rate. *CREDIT AGE. Every time you apply for a credit, it will drop. Goes off an average . But if you're starting at 0...you got nothing to lose.(LOW IMPACT) [/QUOTE]
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