jarena82

Keep in mind that the site is pulling information from a credit burea, which is getting information only as quickly as the creditors send it to them.  The problem is not with this site, it's with the credit burea system.

No it will not.  Just make sure you keep making timely payments. 

 Also, credit unions almost always have the best rates.   But as a general rule of thumb, you shouldn't be paying more than 5% for a 60 month loan.

lexingtonlaw.com   Arguing with credit beaureas is a nightmare.  Just have them do it for you 

I have found credit karma to be pretty accurate, but maybe a little conservative (a little low).  Last time I applied for a loan, my score came up as 20pts higher than credit karma. 

I am a car salesman and deal with financing all the time.  Your score is good enough to get a loan, but be weary of dealerships that try to give you VERY high rates.  By simply shopping 2 or 3 dealerships, you will be fine, just remember to have the dealership tell you 1.  Selling price of the car  2.  intrest rate on the loan.  Those are the two ways dealerships make money, but if you are up front with them, you shouldn't have any problem getting a good deal. With regard to WHAT you are buying- be very wary that banks actually do sit back and decide what you can or can't drive.  If it is your first car, you're going to have a harder time getting approved for a luxury car than you are for something that is considered more conservative (regardless of price).  It's rediculous, but it happens. 

 In short, ask for it.  A lot of credit card companies have a policy for limit increases in writing.  Otherwise, get someone on the phone and ask them about it.

I suggest creating an account on mint.com.  It makes it really a lot easier to manage money like a pro.  This stuff is difficult, and there is no simple solution to managing your money... you're going to have to work at it a bit, but hey thats life.

It's NOT easy to do this stuff yourself.  I have an attorney in the family, and we spent A LOT of time dealing with these credit beaurea's.  They never listen, and never do what they say they will.  For $50-$70 a month, lexinton is a BARGIN. 

I totally dissagree.  While it's true that you CAN do what lexington law does yourself, I highly doubt you will be as effective as a law firm.  These beaureaus don't give a flying F about you, so do you think they will listen when you ask them to remove stuff for you??  No.  And your situation- where the stuff should CLEARLY be OFF your report, lexington would work well for. For $69 a month, I started Lexinton Law a little over a month ago and my score is allready up.  They have allready sent something like 18 letters for me.  I'm leaving it to the pros. 

Actually, I have had a good experience with them.  I joined a little over a month ago and my score is allready up...

How long has it been since you got the loan?  It can take a month or two for the bank to start reporting. 

I finally did give lexington law a shot, and I'm glad I did.  It looks like they simply require all the credit beaurea's to VERIFY that the information they have is correct, which it seems, rarely is.  I have late payments and charge-offs still on my report from OVER 10 YEARS ago.  There is no reason any of that crap should still be on my report. After 1 month, my score has gone up 74 pts (on creditkarma), and I can't wait to see what else they can do. 

I started using lexington law a month ago, and my score on here at least has shot up by over 70 points- Now granted, I've been trying to get my score up for over 3 years now, and despite making payments on time and adding new loans, etc it hasn't gone up much at all because of old debt from 10 yrs ago.  I think this is definately worth a try- expecially since it's only $60 a month.

You should be fine getting top tier with a 700 credit score as long as your income supports the size of the loan you are taking out. 

I'm by no means an expert, but yes- I think that would help your score.  For some reason, fixed loans that are paid on time seem to boost your credit score more than a credit card.    Another thing is, when the cards are paid off, continue using them, but make sure that your balance never exceeds 30% of your total limit.  Keeping low balances consistently on my credit cards, and paying them off every month has done a TON for my score...

I dunno about credit karma being a hoax to get you to sign up for more cards- the whole credit system is a hoax to suck money out of you...  Credit Karma has given me more useful information than every other source I have found combined.

This may be the best answer I've heard yet...

I highly recomend the Orchard Bank card.  You have to give them a deposit of at least $250 I think (they will hold this as collateral), and you will pay $40 a year I think in dues, but they are very responsive in reporting, have a great website for making payments, and generally don't make me feel like they will suck the life out of me at the first opportunity.

Everything from transunion is BS.

Same here:  My insurance score went down over 100 pts... What a bunch of baloney 

 If it makes you feel any better, over 3 months, my insurance score fell over 100 points, while there was actually a slight increase in my credit score.  I would be interested to see a "report card" for this score as well...

Just curious- how many checking accounts do you have? 

 Yea, thats a big difference.  It seems that transunion is missing some information

If it's really a "no credit check" card, then it shouldn't have anything to do with your credit, however I would highly advise getting a secured Orchard Bank card, as it DOES affect your credit (positively), even if you don't use it, and just pay the $25 a year fee.