Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
chcltroses

2 Contributions
1 Person Helped
How can I get anything if I can't seem to rise my score?
i was working with Lexington Law. They raised my score 12 points, but it has not risen any further. I made some stupid moves, as far as payday loans, but i didn't complete the loan process.
I need help and i am at my wits end. I do not know what else to do

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
73 Contributions
59 People Helped
Most Helpful Response

Helpful to 2 out of 2 people

In addition to the secured card, you can apply for a secured loan, and have the payments automatically deducted from your bank account. This is how I raised my credit score from the pits of hell (508) to over 750 from 2004 - 2013. In the first year, I improved my score about 100 points with both the secured card and loan.

A lot of it takes time - most derogatory marks take 7 years to fall off your report (Bankruptcy takes 10, I believe). Once a repo from 2002 fell off my report, my score shot way up.

Top Contributor
31 Contributions
38 People Helped

Helpful to 1 out of 1 people

I take it you want credit, but can't get any since your score is so low? If that is the case then you should start from the bottom. Find a local bank that will give you a secured credit card, something like $500. You give them the $500, and recharge the card as you spend. It will take months, but that should increase your score.

2 Contributions
1 Person Helped

thanks guys

while i appriecate your responses, i am not making enough to open a secured credit card. I get how they work, just dont feel it will help. by the time i get 500 to put on the secured card, i wont need the card any more. 

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.