BlueSpyder

25 Contributions 17 People Helped Top Contributor

Member Since: May 2012

About Me: By no means am I a credit wizard or do I know everything there is to know, all I know is what worked for me in my situation, and if I can help others through my trials and errors, then I guess I did my job...

My Website: http://www.facebook.com/brandan.weatherspoon

Most Helpful Contribution

All my credit cards are paid off but it still shows I have a balance. When does it get updated?

Jun 03, 2012
Helpful to 12 out of 14 people

Minimum 45 days, after that call the company and give it another 30, after that run a dispute...

Activity (25 Total Contributions)

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All my credit cards are paid off but it still shows I have a balance. When does it get updated?

Jun 03, 2012
Helpful to 12 out of 14 people

Minimum 45 days, after that call the company and give it another 30, after that run a dispute...

Is it better to pay off a credit card every month or make payments toward the balance every month?

May 31, 2012
Helpful to 2 out of 2 people

Good rule of thumb is to keep 60% of your credit available so it won't show that you're close to maxing out...

What Percentage of credit limit should be utilized for best credit score?

May 31, 2012
Helpful to 1 out of 2 people

40% but depending on your credit limit...

How do I improve my credit score weight?

Jun 03, 2012

Well, tell us more about your current credit...

I have a collection from 6 years ago.

Jun 03, 2012

You can dispute it, and because they no longer in business nobody can verify it, which means it'll come off. No matter what, it'll fall off next month...

I've had a card for 5 years, but no longer want to pay the membership fee. Is it wise to close it?

Jun 01, 2012

Tough call, my opinion is if the fee is under $40 then keep it, closing it will shorten your credit history if  that's the oldest credit account you have...

how do i increase my score?

Jun 01, 2012

Open some credit lines...

Young and trying to build up Credit

Jun 01, 2012

Try a secured card and a revolving account at Best Buy or Ashley Furniture...

Will my credit score increase after 10 yrs from chapter 7 ?

Jun 01, 2012

Yes, can't tell you how much...

What is the right credit card should I get for me for having no credit history

Jun 01, 2012

Secured credit cards...

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