33 People Helped
Member Since: September 2011
Sorry about your bad luck.... you can't expect a financial institution to go out of their way to help you not make your payment......
brandnew554's reply was:
Did you call your insurance company? If they aren't willing to help you be sneaky and call another insurance company and see what they have to say about it.
brandnew554's response was:
Get a copy of his report at annualcreditreport.com then call the credit bureau and see what they have to say to get it taken off
First thing I would do is contact the comany and see how you can remedy the situation with them. Call, ask for a supervisor, explain the situation and see if they will send a letter to the credit bureaus to take the late payments off of your account. This happened to me with Citi (60 days deliquent) and the lady I spoke to sent out a letter and it was taken off of my credit report within 2 months.
Credit card companies may be evil, but they are smart in the fact that they want to keep you as a customer.
one thing that does help is if you have a family member who will add you onto one of their cards as an authorized user. make sure its been open for at least a couple of years and the balance is very low. - that will also help with length of history :)
850 is unattainable. anything above 760 is considered excellent and you'll get the best rates.
one thing that does help is if you have a family member who will add you onto one of their cards as an authorized user. make sure its been open for at least a couple of years and the balance is very low.
if you don't use it you'll lose it. compaies will close your accounts after so long of inactiity... this will kill your score. keep your utilization below 20%. you can lower your limits but I wouldn't recommend it.
yes and no. credit inquiries account for 10% of your score. its OK to have a few, but more and more tends to raise some "orange flags". Apply for what you need and then try to not apply for any more credit for a year.... at least.... if you get a bunch of new accounts and start filling them up with debt that'll raise a bunch of red flags.
contact credit bureaus and tell them that the accounts should have fallen off after the 7 year marker. they will have to validate and remove.
how much did it fall?
if you asked for the increase, there is an added inquiry (maybe about 5 point difference)
if the overall utilization wasn't really affected by the change then it wouldn't reflect in your score.