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freesurfer
Member since: January 2012
Total Contributions: 1
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Top 5 Credit Misconceptions
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(1 Total Contributions)Top 5 Credit Misconceptions
Well I will tell you what you are doing wrong. 1st! A credit card is not for you with the way you pay off everything immediatly. What you need is a prepaid card preferably an HSBC that reports to all credit scoring systems. On that you will pay your heating bills, taxes, food bills, gas bills, electric bills, anything that is a monthly bill. In fact you can take all past bills you have ever paid that are monthly and turn them in as they are never reported to credit scoring systems! That is up to you to do otherwise everyone would have pretty decent credit. You also have no revolving credit thats your problem. your holding at 700 because technically your ok but in the eyes of lenders you may only have good credit because you have never done much with it. 2nd dont pay everything off on your unsecured credit card! lenders hate that pay off 75-85% of it let it ride for a few months paying on it each month this tells them your not worried bout money and you can buy other things. you may be losing a few bucks a month but "THEY" are making money which is all they want. then they give you more positive points. any other questions i would be ever more happy to help.
Comment Reply posted 3 months ago
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Orchard Bank Classic MasterCards
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- Your account information is updated and at your fingertips 24/7 so you can manage it your way
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Well I will tell you what you are doing wrong. 1st! A credit card is not for you with the way you pay off everything immediatly. What you need is a prepaid card preferably an HSBC that reports to all credit scoring systems. On that you will pay your heating bills, taxes, food bills, gas bills, electric bills, anything that is a monthly bill. In fact you can take all past bills you have ever paid that are monthly and turn them in as they are never reported to credit scoring systems! That is up to you to do otherwise everyone would have pretty decent credit. You also have no revolving credit thats your problem. your holding at 700 because technically your ok but in the eyes of lenders you may only have good credit because you have never done much with it. 2nd dont pay everything off on your unsecured credit card! lenders hate that pay off 75-85% of it let it ride for a few months paying on it each month this tells them your not worried bout money and you can buy other things. you may be losing a few bucks a month but "THEY" are making money which is all they want. then they give you more positive points. any other questions i would be ever more happy to help.
Comment Reply posted 3 months ago