Anonome

26 Contributions 184 People Helped Top Contributor

Member Since: July 2014

Most Helpful Contribution

how can i increase my credit 100-150 points within a few months

Oct 15, 2014
Helpful to 90 out of 121 people

 It still could take a little time. I started from zero with a touch of bad but mostly no credit. I got a rediculous card at first with high interest and monthly and yearly fees. Soon as my credit built up with some payments, yours isnt terrible, mine was in the 5's, I was able to get a better card. Dont spend much of your available credit. REALLY try and keep it lower than 30% and your uliliztion will look better and help your score rather quickly. im my case opening a new account with a higher ballance and transfering my debt to it (15 months 0% interest but was a 3% fee to do it) saved a lot of money over paying a couple of cards at 20-24% interest. If you have a good utilization % then you might even close the old account but if you are looking at a big purchase soon then it may be better to keep it open. Either way, my closing that horrible card actually made my score rise because of the newer better replacement card showing up. Again mine was in the 5's so it took a bit for new expanded credit acceptance but once it did it is currently going up very quick and am almost 700's. Id plan on a year though if you have negative stuff but you are ahead of me with your starting score already. 

Activity (26 Total Contributions)

Results 11-20 of 26Results per page: 5 | 10 | 25Page 2 of 3   Previous | Next

Chase Slate®

Mar 16, 2016
Helpful to 1 out of 1 people

Glad it worked out for you. Well, except score. Lol but that would have happened anyways.

Chase Slate®

Mar 16, 2016
Helpful to 1 out of 1 people

I seem to like chase too even though I didn't bank there. I'm hoping ill get this one even though I have amazn(chase) & freedom. Treated right, credit is actually a worthy subject. I would have disagreed/not cared 5 yrs ago. Lol. Now to teach the tricks to others.

Chase Slate®

Mar 16, 2016
Helpful to 1 out of 1 people

Also if this was in the recent past, you should still qualify for 0% for 15 months. Plan on paying it off in full during that time.

How can I save $169 to $763 per year (your ads) when I pay the full balance every month?

Oct 15, 2014
Helpful to 1 out of 1 people

 Oh I agree. These are adds so be careful at least and really check stuff out. CK has honestly been a big help to me and my "tactics" lol and some of the people here as well. 

How can I consolidate my bills

Aug 20, 2014
Helpful to 3 out of 5 people

CK has suggstions for doing that either with cards or personal loans. It doesnt guarantee you will get them though. I did just today actually. Got a pre-approved for a loan that was suggested but didnt take it because the credit card consolidation one accepted me as well, at a lesser % of interest.  The loan info didnt ding my credit but the card one did. It just saves more over time. 

my credit score is 507 what would be the best credit to help raise my credit score

Oct 15, 2014
Helpful to 7 out of 12 people

To 91Kittys2, Some card fees are horrific and others not so bad. My first premier card (was my first card and had neg/or no credit) Had crazy interest and a yearly plus a monthly fee. I would have been paying 200$ a year just to keep $700 in credit. It did what it should and I cancelled for those reasons but before I cancelled I got a second card that had reasonable monthly fees (ill likely cancel it after next summer when Im going to try for a home purchace, I dont want to lower my credit age anymore than it is before then). The next two cards have no fees and much better interest rates, plus I transfered my ballances from the first cards. I now have 15 months at 0% interst to try and pay them off. i can in my case. There is a 3% fee I believe for ballance transfers but thats way better than 20-24% interest. 

What is the best way to boost my credit 25 points? It's 726 right now

Oct 15, 2014
Helpful to 1 out of 2 people

Getting under 30% utilization helped me a lot. Sorry but Im not as aware of how student loans and car payments affect the score or "available" credit? I know my partner got in an accident this winter. it wasnt his fault but since they totaled it, his replacement that was covered by insurance dropped his score. They basicaly re-started his loan date with the new car payments. Making it look like a whole new loan with a new payment history. Anyways im not sure what you just paying it off would do. Anything you could pay but not add new debt Im fairly certain would look good though. 

Does it make sense for me to use an 18 month 0% Balance Transfer and Introductory rate?

Oct 15, 2014

 It helped me a lot. Im not sure id worry about 2.9% but I dont know what a loc is or how long you pay ect. I did have a 3% transfer rate. In my case it helped because I got 15 months 0% to pay on 2 20-24% cards. So it was worth it. 

Why did my credit score drop 12 pts when I made my only payment in full 2 days early?

Oct 15, 2014

Credit Karma doesnt adjust your scores or inquiries in any way. It makes suggestions and estimates your score to help you correct these things yourself. you will have to talk to one of the 3 credit places or your debtor to have the remark removed. 

Is it better to have one card with zero utilization rate or many (2-3) with less ut rate ?

Oct 15, 2014

Yes but you could also save a bundle on higher interest cards if you were to pay it off first (or if possible, get a new card and a ballance tranfer to it. Most have 12-15 months at 0% interest, giving you time to pay them off)  Depends on your goals. After my learnig curve here I will NEVER go over 50% UT even in an emergency. 10%-30% is much more managable and helps scores a lot. 

Results 11-20 of 26Results per page: 5 | 10 | 25Page 2 of 3   Previous | Next