afili8ter

Any credit card if you qualify. Orchard is a good start. Capital One is a good start and First Premier is another good credit card.

Before applying for any credit cards, make sure you know what your credit score is. If you apply for too many and keep getting turned down, you'll have it on your report for 2 years.... even if you get approved.

Try the credit card listings that are on this site. Match your score with the score range and you may be able to get one. Other than that, you may have to resort to getting a "secured" credit card and build your credit back up.

From what I've read today, it said that bankruptcies and some other public judgments stay on your credit report for 7 - 10 years. But I've seen judgments paid off and removed from the public record in the credit reports within 4 years time.

The credit card laws are changing.. you may be able to work around it.

You have to contact the person that added you to the account and ask them to remove you. Once they remove you from their account, that account won't show up on your credit reports starting the next cycle for that account.

Also note that although that account have made your score go down, removing it may take it down even more... but hopefully, removing it will gradually raise your score.

If the person doesn't remove you from the account, then you will need to go into your credit report and dispute the account with all the credit bureaus it's linked to.

Get a 3 in 1 credit report.

Pay it off now!!

If you make arrangements, you're going to start the statute of limitations over for that debt and you'll be on the hook from the original date of the account.

Make sure that they FIRST fax or send you an agreement that they're willing to settle for agreed amount AND they will remove it from your credit profile. If those accounts aren't open any more, there is need in having them on your account.

But wait!!! I almost made the deal you're wanting to make.. but I came out on top.

A creditor called me last year for a debt of $1,480. I agreed to pay $600 to remove it from my credit report. They agreed. They faxed over the paperwork.

Before the 30 due day arrived, I had been reading a book called "Debt Cures They Don't Want You To Know About" (by Kevin Truedau).

After reading up on the "Statute of Limitations" for each state and rechecking my credit report, I found out that within a few days that debt of $1,480 was going to be AUTOMATICALLY REMOVED from my credit report. I never sent them the $600 and the debt is removed from my credit report.

My point is this...

* Don't rush to pay off a debt that's about to expire anyway.
* Don't ever agree to make payments on ANY collections accounts. Pay them off, dispute them or let time run out.
* Whatever you agree, make them sign and fax it to you. Don't take their word on it.

But if I were you, I'd get a 3 in 1 credit report and get that book. It already saved me over $32,000 worth of debt that I was going to start making payments on but they expired. If I made just one payment it would have started the clock back to the beginning.

Not really. But if they are already settled, what I would do is go and check your credit report, then dispute the item and may very well get removed from your credit report. You can even check the box that says something about the creditor promising to remove the item from your credit report.

I've done it and it worked for me. The worse that will happen is that it'll stay there until the "Statute of Limitations" have been reached for it to be removed.

since the debt is paid I would just dispute it and have them remove it. It won't hurt anything.

Although it's paid and it'll show in your report as paid, if it impacted your credit in a bad way, you'll just want it removed and NOT saying PAID.

That's how credit scores are normally calculated... along with other algorithms.

But if you're talking about what you see on this site, I believe they're getting the score from just TransUnion. (I believe it's TransUnion)

But overall your score is the middle number AMOUNT.

I use a 3 in 1 service. It's better than just from one source, but the downfall is that you won't get updates daily from the other bureaus. Whatever bureau the 3 in 1 service uses to generate your 3 in 1 report, they're only going to update you with the bureau they pay for and it's everyday. But the other bureaus in that report won't get updated but once every 30 days.

So, technically, for anyone to have a down-to-the-day credit score, they would need to have a service (paid) with each of the companies that have a main bureau they get their data from in order to really know your credit score up-to-the-day from each bureau.

Pay your credit cards on time and pay more than the minimum amount. * Spend no more than 30% of the card limit per month.
* Apply for credit. Fingerhut is good and they report to the credit bureau.
* Apply for some more credit cards
* Apply for loans

Wether you get approved for any of the above is unknown, and if you don't get approved, it will take your score down some. Even if you do get approved, it'll take your score down some, but as you make your payments on time it's going to bring your score back up and more.

One thing you must do is know your 3 in 1 credit score. That's your credit report from all 3 major credit bureaus.

Also, to bring up your score effectively, you need to know where your score is the weakest, and which companies report to which credit bureaus. After you have that info, just apply for some credit where it's reported to the credit bureau where you're weak at.

If the company reports to all bureaus, that's good. But if you're weak in a particular credit report (Equifax, TransUnion, Experian) you don't want to get credit where they don't report to that particular credit company.

Pay off the debt. Filing bankruptcy will damage your credit score. You need to get a 3 in 1 credit report. Having that info, plus knowing the "Statute of Limitations" laws, you may have debt that's going to automatically be removed from your credit report. Last year my score was around 550 -580, but now it's around 720. Just about 1 year now.

Know your credit report and what's on it. After that, the rest is easy to take care of.

Apply for a Fingerhut account. I have one, and plus they report to the credit bureaus.

How many cards will they allow you to have from them? I only have one right now. If I can get another one, I will apply.

I have an Orchard card too, but the only downfall of this credit card is that they do NOT do credit increases. So, no matter how well you pay your bills on time or how long you've had your card, they still won't give you any credit increases.

Many credit card companies will give at least one increase per year, mainly after 6 months of having the account and paying on time.

Another legal trick you can use to boost up your credit score is to go to someone you know with good credit like you or better and ask to pay them some money to add you to one or more of their credit card accounts. Doing that will automatically increase your credit score.

I added my wife to 3 of my credit cards and her score shot up past mine in 30 days.

Make sure the person has a history like you or better. It may be worth it to pay around $50 - $100 per year per account for this credit increase service without the paperwork and credit checks.

Keep in mind that you should not expect the person to give you access to their credit accounts. You're just an authorized user that doesn't have access to the accounts.

I'm not sure there's anything you can do about that. If they decrease your credit limit, then it will decrease your credit score, and if you have a balance on the loans it will definitely make your balances higher as far as your percentages of the loan you owe.

Pay the money and get rid of that overdraft protection. Without it, if you don't have the money in your account your account shouldn't go into overdraft mode at all, yet, you won't be able to purchase the item.

Overdraft protection will do you more harm than good. I always deny overdraft protection, credit card protection and all those other protections they offer. Spend what you have and there is no need for them. And don't try to spend what you don't have because it'll come back to haunt you later on.

What is "It"?

Supply more info.

Before you pay off any delinquent loans you need to know the statute of limitation for your state. I've had over $25,000 erased from my credit report this year, all because I used the methods I learned in a book called "Debt Cures They Don't Want You To Know About" by Kevin Trudeau.

You may have debt that is going to be automatically removed from your credit report, but you need to know the facts about when it went into collections, and how long it will stay there on your credit report.

The book is worth it by all means. There was one misconception in the book that I found interesting. It says that "Student Loans" are debts that will stay on your credit report forever if you don't pay it off, but I had mine removed from my credit report, although I had owed over $8,000. $2,266 was the loan but it build up to over $8,000, over $6,000 in interest. It's totally gone now from my credit report. All this happened in 2009 - 2010.

On another note: I wouldn't try getting any loans with a credit score of 643 unless it was an emergency. Know all you need to know about those delinquent accounts and you may be able to have them removed, then your score will go up some. After you take care of that and your score goes up, then I would apply for a loan.... but only if it's an emergency.

If you really need a vehicle for work, then I would suggest you buy one for cash. Look through your newspapers and other local sources. Also, each time you apply for credit a credit check is performed and posted to your credit score (TransUnion, Equifax, Experian), and it WILL get you flagged if you're constantly being denied.

Also, you shouldn't have more than 3 inquiries on you per year. If you have more and were denied credit, you're flagging yourself and the next place will deny you too, and on top of that, you're going to make your credit score go down even more.

Besides spending NO MORE than 30% of your credit limit, it's better to pay off the balance each month or at least pay more than the minimum amount.

Here's a nice trick that works excellently with your credit cards.

1. If you know your due date AND the date the credit card company reports your account to the credit bureaus, you can easily max out your card, then make your payments in full or 70% of the balance BEFORE your next due date.

Example:
You have a credit card with $500 limit.
Your bill is due on the 8th of the month.
They report to the credit bureaus on the 13th of the month.

You need to use the whole $500. Make your purchase but DO NOT let taxes and other charges take you over $500. After your purchase, you'll need to make the FULL payment on your credit card BEFORE the due date. If you do that, your credit score will not change at all.

If you can't afford to pay back 100% of the balance when the bill is due, it will lower your credit score.

The point is to make your purchases without going over the limit, then as soon as possible, make the payment on the card BEFORE your bill is due and DEFINITELY BEFORE they report the account to the credit bureaus.

Many people have problems with their credit score going up because they don't know when the credit card company reports to the credit bureaus. If you don't know that information, you'll be spinning your head trying to figure out why your credit score isn't going up, yet you are making payments on time.

Also, DO NOT make a payment then make a charge on the card. If you are paying by the due date DO NOT use the card UNTIL AFTER it's reported to the credit bureaus. If you use the card before it's reported to the credit bureaus, that transaction WILL show up on your credit report as part of the balance due.

I can actually show you better than I can tell you. But the problem is that you haven't provided anything useful to help determine why your credit is the way it is.

Provide a copy of your credit report, making sure to blank out any account no#'s and your personal information like, name, address and so on and someone will be able to identify where your problem lies.

hope that helps!