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
stephanierose7610

0 Contributions
0 People Helped
how can i increase my credit 100-150 points within a few months
my credit is 631, I finally got approved for a credit card. I am in school , with 2 kids and need my own house as well as a car ! I cant get approved for a loan based off my credit. I need the increase FAST ! I don't have much in my name, I have 2 student loans, one paid off fully one doesn't start payments for 6 months.. I have one bank account that went to collections for identity theft. I have 8 hard credits from past and present ): I don't know where to turn but I need HELP!

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-10 of 213Results per page: 5 | 10 | 25Page 1 of 22   Previous | Next
1 Contribution
3638 People Helped

Increased score 200 pts

Helpful to 3638 out of 3868 people

I am a mortgage officer at a community bank. Knowing the importance of credit I have been helping my daughter to rebuild her credit over the past 11 months. Payment history makes up 35% of your credit score. If you have late payments -a good payment history takes time to rebuild! When I started working with my daughter her credit score was 533 due to late payments on her student loan and a medical collection of $135. I am pleased to say her current score is 754! You may ask how could her score be increased over 200 points in less than a year?

•    First thing we did was put her student loans on automatic payments so she was sure not to have another late payment!

•    Next she obtained a secure credit card with a limit of $1000 to pay for gas and groceries and pay off monthly

•    I then added her to 3 of my credit cards as an authorized user. I choose the oldest with high credit limits.(I did not give her the cards to use-only added her as an authorized user for my own protection) BEFORE being added as an authorized user be SURE you know the credit history and habits of the owner of the account. If there is a late payment on their account this will be reflected on YOUR credit history!

•    This increased her credit approximately 100 points

•    She paid the collection (less than 24 months old)directly to the creditor NOT to the collection agency

•    Use caution when paying collection accounts if over 24 months old. If you make a payment the account then becomes active and can actually hurt your credit score

•    She received offers from credit card companies as pre-approved this gave her credit with out a credit inquiry

She and I meet regularly to discuss budget and use of credit cards-she uses them for normal expenses that she previously used her debit card for-gas & groceries. This allows her to save the money and pay the credit card balance monthly.

Always remember how difficult it is to increase your credit score and be sure to maintain it!

Reply by
Coblin

2 Contributions
272 People Helped
Helpful to 192 out of 324 people

thanks

Reply by
rjcurcuru

1 Contribution
645 People Helped
Helpful to 645 out of 788 people

If an individual is added as an authorized user on a credit card, does she have to use the account herself? For example, if I add my wife to a credit card, does she have to use hers or does her score increase simply by my using mine?

Reply by
D411

1 Contribution
38 People Helped
Helpful to 38 out of 103 people

helpful thanks

Reply by
Goro75

2 Contributions
13 People Helped
Helpful to 13 out of 21 people

Great response! Perhaps you could clarify something for me-

I to am rebuilding my credit for the past 2-1/2 yrs and to get it past 750 and most recently got added as an authorized user on my moms' credit card (more for using the card in an emrgency on her behalf than rebuilding my credit) and would like to get a possible clarification- If my mom misses a payment or maxes out her credit limit on her card that im a authorized user on, will it impact my score (currently 730)?

Reply by
Ghenghis

1 Contribution
8 People Helped
Helpful to 8 out of 8 people

paying collection accounts if over 24 months old, is it true some companys don't allow payment once at a collection agency? how would I pay the direct company not collection agency? do they have to except payment?

trying to figure best way to pay them & who to pay, as they are over 24 months old. they are all in collections. want them removed from my credit asap once paid. who to pay & best way?

as I have 3 small debits for under $150 each for medical & 2 that are for the court (MUNICIPAL) that are about $1000 in total. so with everything I have a debit of about $1500 total that is killing my credit. was wanting to get a $1000  fixed interest rate Secured credit card at about 5.99%-8.99%. & start paying off Debit, killing 2 birds with one stone. instead of just paying the debit with cash, use a low interest Secured credit card. paying about $200 month then leaving a low balance of $25 on card to continue to get credit once debits are paid in full.

Reply by
ajterrell31

3 Contributions
27 People Helped
Helpful to 1 out of 1 people

Enter Your Replymy credit use to be at a 676, i had 2 car payments that were a week late and now my credit is at a 536. can you please help me, im 21 and really really need help. 

Reply by
delightful25

2 Contributions
8 People Helped
Helpful to 6 out of 7 people

So even if a collection agency has sent you a letter, so you are saying I should pay it directly to to lender and not the collection agency? 

Reply by
nederbugsmom2

1 Contribution
4 People Helped
Helpful to 4 out of 4 people

I have a card in collections.  It has been there for awhile.  From what I read, I am still able to go to the store I got the crad through and pay it off?   Why is this better than going through the agency that it is currently in collections with?

Top Contributor

Reply by
RayPR1

13 Contributions
39 People Helped
Helpful to 4 out of 4 people

Just to let you know pre aproved offers if you actually apply is a HARD INQUIRY !! not like stated above.

Reply by
crobe97

1 Contribution
2 People Helped
Helpful to 2 out of 2 people

Enter Your Reply so is it best to put all that u have on auto pay so there is no late payments whatsoever

Reply by
yfultz1011

1 Contribution
0 People Helped

thanks  for this helpful tip. I will be assisting my kids by doing the same. 

Top Contributor

Reply by
ekindred

10 Contributions
43 People Helped
Helpful to 3 out of 6 people

Thank you. I thought my scores were better than they are and I contacted a mortgage lender who said my scores were much lower than I thought. He said to pay off all negative open accounts. Most are medical bills. He also said that even with a car loan and a secured card and Fingerhut it is not enough trade lines. He suggested I open another secured card. Use one for gas and the other for fun/groceries. He said charge no more than 30% on each only if there is the money present to pay it off when I get home that day. If so, pay all but $5 immediately. He said that plus the debt should help within a few months to raise my score in addition to keeping the existing items current. My husband has a tax lien so I promptly made arrangements for that and have applied for and was approved for a second secured card as well. I just have to wait until payday to fund it and then will work to pay off these debts and build my score. Hoping for some big results in six months.

Reply by
TeresaMarie

1 Contribution
0 People Helped

Extremely helpful. Thank you so much!

Reply by
HoldenG3Ray

1 Contribution
0 People Helped
Helpful to 0 out of 1 people

Enter Your Reply

Top Contributor

Reply by
FirmAndSteady

52 Contributions
202 People Helped
Helpful to 1 out of 2 people

That's very commendable of you to handle your daughter's financial problems that way.  I used to be employed as a loan officer in finance, but things have changed so much in the last 20-30 years.  I accomplished something very similar to her situation, but I started in the fair range on scoring.  I raised mine 204 points in less than 9 months.  Thanks for passing along this great advice and experience.

Reply by
ams030

1 Contribution
1 Person Helped
Helpful to 1 out of 1 people

Thank you for this. I have been building my credit back after Economy struggles and long term illness.  Today, I'm in a better position physically and materially. Most of my credit issues are resolved. However, I'm curious as to your next step once you resolved the medical bill situation.  Did you pay the creditor and subsequently write a letter to the credit bureaus? I have a $284 medical bill I can't recall not paying, but I would like to resolve the matter this year. 

Reply by
debombe

3 Contributions
1 Person Helped

You're the best. My mom added me as an authorized user to a couple of her cards (when I was 12, and she never even told me about it), but they're at 99% utilization and have late payments! I'm still in the process of trying to get myself removed from those, and getting those accounts completely removed from my credit report, not just listed as closed accounts. 

Awesome job, dad!

Reply by
dathrasher

1 Contribution
0 People Helped

Why do you say to take caution about repaying collections over 24 months? I've also been offered pre approved credit card companies but when I've applied I get denied due to my credit score. All of my collections are medical.

Top Contributor

Reply by
3teekids

12 Contributions
19 People Helped
Helpful to 1 out of 1 people

I was wondering if you could give me a little advice to help raise my credit score within 5-6 months. I have recently paid off all of my collection accounts and was told to get at least two secured credit cards, as I do not have any active credit. The only active credit that I have is my student loans because I am in school all deferred until 2018& 2021, current car loan which I pay on time and a credit card from my credit union (that I pay on time) but it only reports to one bureau (Equifax), bummer!! About a month ago a mortgage broker pulled my credit and my lowest score was about 540 the highest was 590, and he said I needed to increase my score but didn't say how (no advice given). Since having my report pulled I have paid off the collections and have obtained 2 secured credit cards. My credit cards have not been reported to my credit report yet and all of the paid collections have been updated so I'm not sure what my scores are as of know. I am looking to be able to be approved for a home loan in the next 5-6 months with good interest rates. Can someone please give me advice that can possibly help me to raise my score about 80-100 points in this time frame?  Also I would like to say that there is a lending company that will give FHA home loans with a credit score of 580 credit score in my area, but not sure if their interest rates are ridiculously high. Would going with this company be a good option? 

Reply by
EricFleet

3 Contributions
8 People Helped
Helpful to 3 out of 7 people

"I then added her to 3 of my credit cards as an authorized user. I choose the oldest with high credit limits.(I did not give her the cards to use-only added her as an authorized user for my own protection) BEFORE being added as an authorized user be SURE you know the credit history and habits of the owner of the account. If there is a late payment on their account this will be reflected on YOUR credit history!"

-- This part smells of fraud.

Reply by
BooHunter

7 Contributions
26 People Helped

Very helpful response. Thank you.

Reply by
candygir87528

7 Contributions
32 People Helped

EricFleet, what could be fraudulent about being an authorized user on someone's account?

Reply by
superheadcase

2 Contributions
5 People Helped
Helpful to 1 out of 2 people

Enter Your Reply

I call bull**** the secure cards do nothing for your credit and they over charge the hell out of you It is not reconized as credit it's secure.

Reply by
TripleA26

1 Contribution
0 People Helped

What if I paid off a 24+ month old collection account in full? Can it still hurt my credit score or will it help it?

Reply by
mrsarimorales

1 Contribution
0 People Helped

If I added my husband as an authorized user and his credit isnt the best and his personal accounts are late/delinquent can this affect my scores? I have noticed a slight decrease recently but wasn't sure why since I have been maintaining on time payments and keeping the balances bellow 30% and or paying them off. 

Thank you great information! 

Reply by
arobinson2011

1 Contribution
0 People Helped

If you have an old collection account that becomes active because you inquired about it, should you go ahead and pay it?

Reply by
Klgordon85

1 Contribution
0 People Helped

Thanks this was very helpful

Reply by
NevaehJ

1 Contribution
0 People Helped

Hello Your response was very informative.  I have poor credit is well and want to get into my first home. I want to pay off on my creditors I was with a credit company that helps build your credit and I was paying 80 dollars a month. Not sure if you know but I wanted to ask is there away that I can just pay the creditors directly and just pay it.  It would be from three years ago

Enter Your Reply

Reply by
Emylin

1 Contribution
0 People Helped

Would it hurt my credit if after couple months my mom take me out of her credit cards again?

Reply by
CUS1AMC

2 Contributions
0 People Helped

I have a question I just recently had to file bankruptcy and everthing was finalized and I received my final decree of the discharge as of 02/12/16 and I working on trying to rebuild to get increase my credit score and not sure where to start. Looking for some suggestions.

Reply by
lswimp

1 Contribution
0 People Helped

Thank you so much for this wonderful information

Reply by
badfriend

5 Contributions
5 People Helped
Helpful to 1 out of 2 people

I have had my identity stolen and when I became aware of this I was almost 7,000.00 in DEBT, so after getting many letters from the credit card companies that I did not apply for these cards and my information was stolen.  Along with a Police Report I  typed many letters and got the cards  removed from my credit report But, As this happened I watched my credit score go DOWN VERY QUICKLY, I was shocked I was the victim and my credit score just kept going down, down, down. Now I have POOR credit I did obtain 3 credit cards and always pay the card off monthly, Does this help me by paying them off every month or not?? But just a note KEEP YOUR INFORMATION THAT IS PRIVATE, PRIVATE IN A SAFE!! THE PERSON WHO DID THIS WAS MY X PARTNER OF 17 YEARS.    

Reply by
CARLISAHOWAR

1 Contribution
0 People Helped

Very helpful. I didn't know that old accounts could be active again.

1 Contribution
0 People Helped

Thanks for the helpful information. Being a loan officer, would you please be able to help guide me in the right direction of obtaining a home equity loan or refi on my paid mortgage? My home has been paid off for years now, and I would like to rent it to elderly HUD housing in my community. I need to make some modifications to be able to comply with HUD standards plus some other repairs. However, my credit file is very thin, and I was hoping to be able to use the home as colateral. Is this possible? Any feedback would be a blessing. Thanks so much for your time.

Reply by
brandon8163

3 Contributions
2 People Helped
Helpful to 0 out of 2 people

Suicide

Reply by
YRR

2 Contributions
48 People Helped

Enter Your thank you so much. That was what I need to hear. That was me all the way.

Reply by
bsc0617

1 Contribution
0 People Helped

How long did it take your daughter's score to increase after adding her as an authorized user to your credit cards?

Reply by
steffanyhapp

1 Contribution
0 People Helped

Why should you not pay the collection agency? Is there a reason to pay the collector rather than the agency?

Reply by
Gryphaeon

7 Contributions
16 People Helped
Helpful to 3 out of 3 people

Great advice! There is only one issue and I am honestly hoping this is just an unclear explation because I would be quite surprised that you got this wrong considering your line of work... Once a debt is charged off, it stays charged off. It can not be "re-activated", "re-aged" or "re-" anything. The law states that the Statute of Limitations (SOL) is fixed at the point which the debt is charged off and it stays the same no matter what. This won't change your credit score unless you can have that line of information removed from your credit report. A charged off debt stays a charged off debt whether you are paying on it or not.

What can and DOES change is whether you have a collector pursuing you for the debt. If you are talking about a dormant account that has been in collections and has finally been left alone with no collections activity for a few years, messing with it can be problematic from the point of view that the collections people will start pestering you again to see if they can get money and if the SOL isn't up, they can start reporting on it again which can affect your score or they could even file suit if your state SOL isn't up.

Even if the debt has passed the SOL in your state for suit (variable by state) and even the federal SOL for reporting (roughly 7 years from when the debt discharged) a collector may still pursue you for this money if you owe it. They will just never be able to collect it or report it if you don't allow them to, although they will certainly try and hope you are ignorant enough of the law that they get money from you.

The FCRA section 605(c)(1) states; The 7-year period… shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The best way to handle these types of information lines on your credit report is to dispute them but you have to remember that if that isn't done correctly, it is like kicking a hornets nest. Just calling them and saying, "hey, I dispute this." is NOT good enough, regardless of what ANYONE says. It has to be done with a certified, return receipt letter that has been properly worded to prevent the sleezy little buggers from using a loophole. You can find a lot of information out there about how to do this on sites from people like Dave Ramsey or with self help books like Weathering Debt (either one works, but I prefer Weathering Debt, it was much more concise and to the point) but whatever you do, DON'T try to wing it and don't pay someone to do something you can do yourself with ease and for free. Besides, you need to know how to stop the problem from happening again, right?

Otherwise, the advice you have given is great and works well for a quick boost but having the ability to remove lines of information from your credit history is even better because once it is gone, it can no longer affect your score. BTW - don't take my word or anyone elses for that matter, educate yourself! You can find either of the sources I mentioned just by Googling either of them if you want and I promise you, the more information you have, the better!

Top Contributor

Reply by
Pondal86

10 Contributions
38 People Helped

I know this is old, but seriously what a great Dad you are! You didn't hand her money and you didnt leave her to flounder. You helped her in immediate ways she couldn't do herself like adding her as an authorized user, but also helped her long term by guiding her, teaching her, and establishing a plan. Plus, sharing your thoughts has helped many others. 

Reply by
Dreamcatcher92

2 Contributions
0 People Helped

I am a college student in the same position as your daughter however I have tried to apply for credit cards to help rebuild my credit but get declined. What are some credit card companies that will accept me with the score around your daughter's range.

Reply by
jasmine1006

1 Contribution
0 People Helped

can you help me??

Reply by
kpowk

2 Contributions
2 People Helped

I have some accounts that are in collections, but they are over one year, so is it smart to pay them off? They will remain on my report and continue to ruin my score....... How would you handle this?

Reply by
happy2help

4 Contributions
0 People Helped

All very good information.... but I am not sure that getting a credit offer with a pre approval doesn't recheck your credit when you actually apply. Every credit card I signed up for did a credit inquiry.... however.... I really like your advice about adding your daughter to your accounts... this doesnt put a hard inquiry on her credit report and it makes it look like the card is hers. She doesn't even have to use it but it will make her score jump. Great advice

Reply by
pattya094

2 Contributions
4 People Helped

Sorry I am new at the whole credit game so I appologize if my question is silly but when you say, 

"Use caution when paying collection accounts if over 24 months old. If you make a payment the account then becomes active and can actually hurt your credit score"

are you reffering to just making payments because I recently paid off an old bill and would hope it would do good not harm to my credit score.

Reply by
Ericag1982

2 Contributions
2 People Helped
Helpful to 1 out of 1 people

So we pay directly to the source it came from ? I have medical bills some as low as $20 affecting my credit

Reply by
mrsshell12

2 Contributions
3 People Helped

Can you give me advice? I would like to buy a house the beginning of 2019. I got my chp 7 bk discharged in 2016. I only have a credit card and my car loan both have not had any late payment on. How do I boost my credit? Right now I am currently at 479, and I know I need to have at least 580 to qualify for some home loans. What can I do to achieve my goal of boosting my credit score?

Reply by
Oooowell569

1 Contribution
0 People Helped

Enter Your ReplyI had my car loan for 2 years so far never missed a payment. Now if I pay it off now would that jump my credit up some?

Reply by
info1234

2 Contributions
0 People Helped

what if im doing all of these things but my credit scire will not increase.. it continues to increase and decrease by 2-9 points. and dramatically decrease out of nowhere. 

Reply by
Zoey2303

1 Contribution
0 People Helped

Did adding her to your cards affect your credit score?

Reply by
Ldyblue6

1 Contribution
0 People Helped

I know this post is nearly three years old but I was desperately trying to figure out how to raise my credit score a little faster than usual. I would just like to say that everything he posted I tried and it worked for me. I have raised my score 50 points in just one month! I still have a long way to go, but now that I know what to do, I see it only going up from here.
Started at 490, current 552, hoping for at least 650 by end of year.

Reply by
BlackshearHub

3 Contributions
23 People Helped

Enter Your ReplyI have spent a lot of time online looking for a way i could get my credit score increased have tried a lot of sites online and none really worked out, a friend introduce me to this guy COMPUTERSPYEXPERTS, he helped me clean my report and help me fix my credit score,it was stealth and neat with no trace he is a professional to the core and the best i have seen at fixing credit score and hacking into IRS database to clear tax unpaid. get him on (COMPUTERSPYEXPERTS@GMAIL. COM), (8 5 9) 7 8 0 - 3 7 7 9

Reply by
ladylovekitten

1 Contribution
0 People Helped

Enter Your Reply I would like to point out that this is inaccurate as to not having a credit inquiry on a pre-approved card offer. That is not true they have always always ran a credit even on all pre-approval ones that I have ever dealt with. I was given an invite recently for a relatively new company and I decided to try it and they pulled a hard inquiry on my credit anyway not to mention that they couldn't finish the process something happened on their website and so nothing ever went further and then I received another pre-approval in the mail after that I'm afraid to try again cuz it's going to ding my credit more

Top Contributor

Reply by
mollydee

79 Contributions
62 People Helped
Helpful to 0 out of 1 people

Hello Everyone, for the past 8 months, I have been battling with my credit score because it was very low, until I met this programmer and senior tech analyst (treatyourself016 @ g m a i l . c o m) through a friend of mine. He helped increase my credit score from 435 to 780 to 820 I was really surprised that he helped me do it within 9days, even though I doubted him at first because he told me to pay an upfront service charge, before any action can take place. After I paid a little upfront fee. he got my credit report fixed within 5-6 days  days, my credit score increased. He also cleans up chexsystem report and the DUI report. You have 110% guarantee of a clean and safe job from him therefore, I advise you contact him (treatyourself016 @ g m a i l . c o m) for a similar service. He is completely good and trust worthy.

Reply by
750stallion

1 Contribution
0 People Helped

Enter Your Replyvery good information- question: if you want to pay a collection is it better to pay it off instead of payments?

Reply by
kobekhaloy

3 Contributions
0 People Helped

Jac4all-

Must be nice to have a parent who is able to do all that you have done for your daughter as far as putting her on YOUR credit cards as an authorized user. Most of us do not have that luxury. Maybe when Elizabeth Warren or Bernie Sanders are President, eliminating student loan debt for most Americans vs "Putting student loans on an automatic payment schedule" again maybe easy for you but that is the problem, most Americans are just unable to make any payment. Your advice only helps the small few who are fortunate. 

Reply by
GODBLESSROYAL

4 Contributions
16 People Helped

An individual named Royalblade Is the real credit guru you can rust to help you climb the credit ladder fast. He got 2 high impact derogatory marks off my record and paired me with an 800 elite club member. I gained 200 points in 3 weeks of working with this dude. So incredible!

3 Contributions
31 People Helped

Demoninvader

Helpful to 25 out of 26 people

how much does he charge? 

Reply by
Julika12

2 Contributions
53 People Helped
Helpful to 22 out of 23 people

His charges definitiely depends on what you are going for. But one thing for sure, he delivers 100% 

My credit hasn't had any hiccup since he fixed it. No one fixes credit like he does, trust me.

Reply by
elijahjah08934

1 Contribution
16 People Helped
Helpful to 16 out of 16 people

It's true, his charges differ according to exactly what he is doing for you.

Reply by
mrspeyton

2 Contributions
14 People Helped
Helpful to 11 out of 11 people

Enter Your Reply 

how do i reach demoninvader i cant find any information 

Reply by
mrspeyton

2 Contributions
14 People Helped
Helpful to 3 out of 3 people

Enter Your Reply

Hi do you have any contact information for this Guy?

Reply by
ajitaliano

1 Contribution
4 People Helped
Helpful to 4 out of 4 people

Looking to get some information on how to contact Demoninvader. Please let me know.

Reply by
iyakak9ej

1 Contribution
5 People Helped
Helpful to 5 out of 5 people

Well, bunch of impersonators I see on here claiming to be hackers who can repair credit. It's all lies trust me, I've tried a few now and got ripped smh.. Only person that made it happen for me is DEMONINVADER.. raised my score by over 200 points in just space of 3 weeks.

Reply by
Horselovers

6 Contributions
20 People Helped
Helpful to 4 out of 4 people

Demoninvader is absolutely a Genius. Raised my score over 150 points. I wish I'd known this guy 2 years back before I lost my first home. 

Reply by
ecless787

2 Contributions
6 People Helped
Helpful to 2 out of 2 people

WOW THIS GUY IS SO LEGIT!!!

Reply by
softcali86798

2 Contributions
5 People Helped
Helpful to 2 out of 2 people

Demoninvader is the best credit repair business solution available. I'm making more money than I ever did as a mortgage broker!

Reply by
oceania46rfyh

3 Contributions
9 People Helped
Helpful to 1 out of 1 people

Demoninvader has made a huge difference in my credit score. He has removed over 86% of negative items off of my credit report. It is worth the time and the money to use this service. I can't say enough positive things about this Demoninvader. Thank you Demoninvader, you have helped me in rebuilding my credit score.

Reply by
coffeenewbie

2 Contributions
3 People Helped

So I hear @Horselovers was scammed by this Demoninvader guy ($1400) and all the others are just praising him. I don't know what to trust. Horselovers, can you share your story with us?

Top Contributor

Reply by
Jensetter04

453 Contributions
51 People Helped

Get your credit cleaned with the help of a reliable personnel Fico and Ex Transunion agent! He's tested and trusted. I had a very low credit score (around 520) and it was ruining my life. I needed help. I was very depressed because of it and had been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real agent because I kept meeting fake people who are not capable enough and who are always after the money, I've been conned by them. this programmer is not about the money but about attaining a good reputation at always satisfying his customers. My credit score is now 780, 790 and 820 on all big 3 bureaus and it was 100% confirmed by FICO. This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help at yatesnovakovic @ g m a i l . c o m. He’s affordable and always at your service. 

Reply by
pe625412

2 Contributions
0 People Helped

Upon my search for help to repair my credit I came across a few empty promises. I then found DEMONINVADER. He was straight forward with what our approach and goals were from the begining without wasting any time. He was always polite, very informative and always returned my calls/emails on time. He helped me understand by translating what I had trouble with, understanding and working up game plans towards my goal of better credit. Now at the end of his services, I'm extremely grateful and satisfy with the services rendered by DEMONINVADER. I would highly recommend DEMONINVADER for your credit repair needs.

demoninvader1 @ gmail . com

1 Contribution
14 People Helped

Hello

Helpful to 14 out of 15 people

How do I get in contact with credit guy

5 Contributions
47 People Helped
Helpful to 7 out of 7 people

There's only one way to find out if this so called repair man is for real. Will contact him and see if he raises my score like you all claim.

5 Contributions
47 People Helped
Helpful to 6 out of 7 people

I guess there's only one way to really find out if this credit repair man demoninvader  is what you guys say he is. Will contact him to see if he'll raise my score also, by a 100 points at least.

5 Contributions
47 People Helped
Helpful to 6 out of 6 people

If anyone has got more information about the so called Demoninvader, pls share. I'm really interested, my credit is ****ty

Reply by
terracastanon

7 Contributions
8 People Helped
Helpful to 4 out of 4 people

Has anyone used this guy a while back and tracked your credit since?  Curious if his changes really stick or does new stuff pop up or change each month the creditors report to the bureaus. I’m curious mostly about collection accounts. He said he will remove them but if they report monthly what keeps them from coming back on your reports. 

Reply by
chocorealnid88

3 Contributions
25 People Helped
Helpful to 2 out of 2 people

His credit repair sevice is just so smooth and fast. Awesome guy, I love him.

Reply by
jonatonya12

2 Contributions
4 People Helped
Helpful to 1 out of 1 people

 am very pleased with Demoninvader! He made it easier for me to understand my credit and resolved a high percentage of my credit issues. Every time I called and had a question, he assisted me with answers. I would recommend anyone that needs their credit repaired to try him first.

Top Contributor

Reply by
Jensetter04

453 Contributions
51 People Helped

Get your credit cleaned with the help of a reliable personnel Fico and Ex Transunion agent! He's tested and trusted. I had a very low credit score (around 520) and it was ruining my life. I needed help. I was very depressed because of it and had been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real agent because I kept meeting fake people who are not capable enough and who are always after the money, I've been conned by them. this programmer is not about the money but about attaining a good reputation at always satisfying his customers. My credit score is now 780, 790 and 820 on all big 3 bureaus and it was 100% confirmed by FICO. This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help at yatesnovakovic @ g m a i l . c o m. He’s affordable and always at your service. 

Top Contributor

Reply by
Soreal34

15 Contributions
1 Person Helped

I’d like to share my story too. Just a few weeks ago i was homeless, i was jilted by my online lover. and he had robbed me of everything i had. By the time i realized i was being played, my credit score was already 458 , i had an eviction on my report and a large debt on my credit. I was on my way to the little corner behind the store where i normally sleep when i saw a fellow homeless person who i met some days ago and he was looking so changed and successful. I immediately began to beg him to tell me how he made it so fast and because i had told him my story when we previously met, he understood my problem and gave me the contact of the hacker that helped him. i contacted the programmer (ex FICO and Experian agent) and he fixed my credit, remove bankruptcy permanetly , collection, raised my credit score and cleared all negative listings on my credit in less than 9 days. I would have kept quiet about this, but i won't be able to forgive myself for not helping people who are in terrible conditions like i was.'' besthacker0509 @ gmail . com '' is the programmer's email address. I wish you good-luck. Y’all can thank me later.

1 Contribution
9 People Helped

Demoninvader

Helpful to 9 out of 9 people

Can someone please share the credit repair information he is not on instagram ,snap chat, facebook who is this guy ??

Thank you 

Reply by
omega305

7 Contributions
15 People Helped
Helpful to 6 out of 6 people

demoninvader1@gmail.com

Reply by
oceania46rfyh

3 Contributions
9 People Helped
Helpful to 3 out of 3 people

Yh great guy

Top Contributor

Reply by
Jensetter04

453 Contributions
51 People Helped
Helpful to 2 out of 4 people

Get your credit cleaned with the help of a reliable personnel Fico and Ex Transunion agent! He's tested and trusted. I had a very low credit score (around 520) and it was ruining my life. I needed help. I was very depressed because of it and had been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real agent because I kept meeting fake people who are not capable enough and who are always after the money, I've been conned by them. this programmer is not about the money but about attaining a good reputation at always satisfying his customers. My credit score is now 780, 790 and 820 on all big 3 bureaus and it was 100% confirmed by FICO. This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help at yatesnovakovic @ g m a i l . c o m. He’s affordable and always at your service. 

1 Contribution
860 People Helped

593 - 651 in 2 Months

Helpful to 860 out of 977 people

I applied for a home loan - wasn't approved - the loan company works with people with subpar credit though.  She gave me list of action items that needed to be done. She figured it would take me about a year to take care of it all. Gave me a deadline of 1 year out.  I sat down did all her action items in a week - waited 30 days, credit jumped to 620. She got an approval on a home loan but it wasn't ideal.  Waited another 30 days, credit was 651... she said we could get an ideal approval with a credit score of 640.  I don't know how, but I was so happy. signed on house at 3 months instead of 1 year. The loan officer couldn't believe it!  I now own my home, have lived in it for over a year.  Love my house!

Action Items:

DO NOT DISPUTE NEGATIVE ITEMS ON CREDIT REPORT

REQUEST THAT THE CREDIT BUREAUS CANCEL ANY DISPUTES WITHIN THE LAST TWO YEARS

DO NOT PAY OFF OLD NEGATIVE DEBTS

IF YOU PAY SOMETHING OFF - GET WRITTEN PROOF AND FILE IT AWAY

PAY DOWN ACTIVE CREDIT CARDS OR PAY OFF CREDIT CARDS.

NO UNDOCUMENTED DEPOSITS INTO YOUR PERSONAL BANK ACCOUNTS (UNTIL AFTER YOU SIGN ON YOUR HOME) 

HAVE YOUR DOWN PAYMENT "SEASONED" IN YOUR ACCOUNT -- MEANING IT NEEDS TO BE IN YOUR ACCOUNT FOR AT LEAST 3-6 MONTHS OR IF YOUR CHECKS ARE DIRECT DEPOSITED OR IF YOU DEPOSITS ARE DOCUMENTED AND PROOF THAT IT DIDN'T COME FROM A LOAN OR OTHER SOURCE THAT WILL HAVE TO BE PAID BACK.

MEDICAL DEBT WILL STILL SHOW UP AND WILL NEED TO BE RESOLVED.

BEST ADVICE - CHECK WITH A GOOD LOAN OFFICER AND ASK THEM TO GIVE YOU ACTION ITEMS SO YOU CAN MAKE THIS HAPPEN.  Be careful when finding tips online... often they are misguided. Several of the tips I'd found I'd tried and they either backfired or were not acceptable by the loan office. 

Reply by
CaramelChica39

1 Contribution
80 People Helped
Helpful to 80 out of 129 people

Thanks for this input, I found it pretty helpful!

One of the replies said to cancel the CC to increase your score & I'm pretty sure that is incorrect. 

Reply by
RebeccaAnn33

6 Contributions
59 People Helped
Helpful to 20 out of 52 people

Great tips thanks

Reply by
Emarquez01

1 Contribution
119 People Helped
Helpful to 119 out of 152 people

May I ask what your action items were? I have been told to take out two credit cards to increase my score dramatically in the next 3 months. I currently don't have any revolving credit. 

Reply by
toniwiesman

1 Contribution
9 People Helped
Helpful to 9 out of 11 people

I am very happy for you! If you don't don't mind me asking, what mortgage lender did you use? I was recently denied with a 556 score, but they did not offer any support on what I should do to be approved. I am very anxious to get approved, and would love some guidance.

Reply by
gingerpate

1 Contribution
0 People Helped
Helpful to 0 out of 1 people

Can you tell me which morgage company you used?  Any I have talked to have not given advice...

Reply by
ItsSettled

1 Contribution
19 People Helped
Helpful to 19 out of 22 people

Curious to know why you say to NOT dispute derogatory information on your account. I disputed several items, which were eventually removed with no further action and it increased my score. Just want some clarity and better understanding of the action item you listed. 

Also, why ask them to cancel disputes for ast 2 years.

Reply by
CA287

1 Contribution
4 People Helped
Helpful to 4 out of 4 people

Did you go through a large bank for your home loan, or a small credit union? My husband was in the Marines and we were told to go through USAA, but I've heard negative reviews on their home loan process. Just curious.

Thanks for the info - this has been very helpful!

Reply by
HisEden

2 Contributions
5 People Helped
Helpful to 3 out of 4 people

Hello, you mentionedREQUEST THAT THE CREDIT BUREAUS CANCEL ANY DISPUTES WITHIN THE LAST TWO YEARS... What exactly do you mean by this? I have not disputed any items on my report before, I have noticed that 2-3 ur old Charge offs are still reporting as current. Any advice on how to proceed? Thank you

Reply by
dabneyls

1 Contribution
1 Person Helped
Helpful to 1 out of 1 people

But what other 'action' items did you do other than pay down credit cards? Majority of the list consisted of not doing anything.. so cancelling disputes and paying down credit cards got you the 58 point increase alone ?

Reply by
wandabrown3058

1 Contribution
2 People Helped
Helpful to 2 out of 2 people

Enter Your Reply can you share the info on your  loan officer who informed you what to do

Reply by
cchipss75

2 Contributions
2 People Helped
Helpful to 1 out of 1 people

Hi. Why do you say not to dispute the negative items on the credit report?

Reply by
cchipss75

2 Contributions
2 People Helped
Helpful to 1 out of 1 people

Why do you say not to dispute the negative items on the credit report?

Reply by
KatiewOjo

1 Contribution
1 Person Helped
Helpful to 1 out of 1 people

who was the loan officer?

Reply by
eboree1

1 Contribution
0 People Helped

Enter Your Replyhow can u ask them to cancel?

Reply by
pattya094

2 Contributions
4 People Helped
Helpful to 4 out of 4 people

Hello quick question so when you say, 

"DO NOT PAY OFF OLD NEGATIVE DEBTS"

I have a few accounts in collections that are in collections and I plan to pay them to increase my score is that what you mean?

sorry for the silly question

Reply by
ladybug2535

8 Contributions
6 People Helped
Helpful to 2 out of 2 people

I know this post is a couple of years old, but maybe someone else can answer this question:  She says that the loan officer told her not only to

DO NOT DISPUTE NEGATIVE ITEMS ON CREDIT REPORT, but

REQUEST THAT THE CREDIT BUREAUS CANCEL ANY DISPUTES WITHIN THE LAST TWO YEARS.

Why would you do that?  Why cancel?  If there is a debt that isnt' yours for example, would you not want that dispute on your record?

Reply by
options2825

3 Contributions
15 People Helped
Helpful to 1 out of 1 people

That was really nice of you to take the time to share all that valuable information. Thank you.

Reply by
Bulletproof007

1 Contribution
0 People Helped

Why do you say not to dispute negative items on your credit report?  If something is incorrect why would you let it stay on your report? That makes no sense.

Reply by
pjgrant

1 Contribution
1 Person Helped
Helpful to 1 out of 1 people

Do not dispute negative accounts? Did I read that right? Dropped two from my credit and the score rose 20 points overnight. I don't understand.

Reply by
St3ph221

1 Contribution
0 People Helped

This may not go for all loans but when you are trying to get an FHA loan, you are required to pay off everything that's in collections on your credit report..

Reply by
Samurai1957

1 Contribution
0 People Helped

Why do not dispute negative items on the credit report ?

Reply by
taraclarke87

2 Contributions
0 People Helped

Why shouldn’t you dispute items?

Reply by
AJBrady33

1 Contribution
0 People Helped

Why shouldn’t you dispute negative items on your credit report?

Reply by
DebtfreeLee

2 Contributions
95 People Helped

What does ..... request credit bureau cancel disputes in last two years... mean? The line above that one says.. don't dispute negative items. I'm confused.

3 Contributions
18 People Helped

So grateful you guys shared this important information. Picked this up about a month ago, I had a really terrible score at that time, contact the demoninvader himself and now my score is up by over 150+ points in just less than a momth. He's really a genius.

1 Contribution
653 People Helped

Bump up your credit

Helpful to 653 out of 752 people

Take out a secured credit card from a credit union. With Most banks you will need 300-500 to start. After you receive your card charge $15-$20 at the most. When you get the bill in, pay it by or before the due. DO NOT PAY LATE!! Do this a few times and your credit should jump about 20-30 points. When your credit goes up to where you want, you can take out the money from your secure credit card. DO NOT CANCEL YOUR ACCOUNT OR YOU WILL LOSE YOUR CREDIT. (SHRED THE CARD INSTEAD) Hope this helps. God Bless 

Reply by
TalleyKarma

1 Contribution
76 People Helped
Helpful to 76 out of 131 people

Thanks for your resopse to this it really helped me out a lot and i was actually wondering if you could give me more information about getting a Credit Card to help your score enstead of making it worse.

Reply by
Coblin

2 Contributions
272 People Helped
Helpful to 80 out of 126 people

I am going to try that secure credit card ,,I am at a 590...need a 620 by april hope it is possible...

thanks

Top Contributor

Reply by
lauravalerie

36 Contributions
182 People Helped
Helpful to 103 out of 148 people

What do you mean when you say "take out the money from your secure credit card"? Does that mean you close the account?

Reply by
superheadcase

2 Contributions
5 People Helped
Helpful to 3 out of 6 people

bad idea they kill you in fees and unsecured does nothing for your credit . I found a jewery store on line that has you put %50 down and then make payment on the rest . and they report it . unsucured credit cards are bad news they don't help just make the banks alot of money . for example the person said transfer to a better card and leave the old one open . yeah if you want to pay a bunch of monthly and yearly fees .

Reply by
mpsinu

1 Contribution
7 People Helped
Helpful to 7 out of 8 people

I would disagree with this option, as a credit analyst its my job to investigate credit and determine customer eligibility for loans etc... typically creditors do not look for a card thats been used 1 time for $15 then never used again this kind of credit is disregarded and or not taken seriously. When we look to approve a consumer we look at several factors and what that makes a large impact is how they make their payments, the balance currently on all their revolving and installments and the history of payments. if you only charge a tiny amount and pay it off its going to show no history and therefore not be a heavy influence. in fact if you can handle it it is good to sometimes charge the card near max but then pay it off super fast. yes this well temp drop score however. it will show creditor your applying for that you can handle larger amounts and that you pay them down good and fast. 

Top Contributor

Reply by
Catrina01

13 Contributions
10 People Helped
Helpful to 4 out of 5 people

This is incorrect.You cannot decide when to take the secured deposit back-only the credit card issuer can do this.Also, shredding a card is a bad move as creditors will lower your credit limit or even cancel your card if it is not used somewhat regularly.The end result of this will be one less line of credit and a lower credit limit (which can make it harder to keep your utilization low),thus resulting in a lower credit score.

6 Contributions
20 People Helped

Demon Invader

Helpful to 6 out of 7 people

Is this guy legit?

Reply by
chocorealnid88

3 Contributions
25 People Helped
Helpful to 4 out of 4 people

Yes he is legit. I was skeptical too at first, but he did raised my score and I'll be forever grateful for that.

Top Contributor

Reply by
Jensetter04

453 Contributions
51 People Helped
Helpful to 0 out of 1 people

Get your credit cleaned with the help of a reliable personnel Fico and Ex Transunion agent! He's tested and trusted. I had a very low credit score (around 520) and it was ruining my life. I needed help. I was very depressed because of it and had been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real agent because I kept meeting fake people who are not capable enough and who are always after the money, I've been conned by them. this programmer is not about the money but about attaining a good reputation at always satisfying his customers. My credit score is now 780, 790 and 820 on all big 3 bureaus and it was 100% confirmed by FICO. This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help at yatesnovakovic @ g m a i l . c o m. He’s affordable and always at your service. 

Top Contributor
17 Contributions
24 People Helped

I remember when I wanted to get a house for my family because i wanted a bigger space for my kids but i couldn’t get a loan because i had a poor credit score, then i started putting my contact on different blogs and site, so i met some guy who mailed me saying he could help me raise my credit score to 750 i didn’t believe him at first but i decided to try him out, to my surprise he helped me raise my credit score and cleared my debts now i have a home!… Honestly i have never seen the kids more happier in their lives thanks to him. I think you guys should try him out via (COMPUTERSPYEXPERTS@GMAIL. COM) or text (859) 7 8 0-3779

3 Contributions
31 People Helped

Helpful to 6 out of 7 people

How much does he charge? 

Reply by
GregorytheGreat

1 Contribution
0 People Helped

I always wondered how I could boost my credit score after constantly getting ripped off by lenders, banks and credit card companies due to my poor credit history. So I got referred to by a friend about this amazing guy (CSE) who helped remove the negatives on my report and increase my credit score in a discreet manner. He charges reasonably and gives you evidence before final payment. He changed my life and I can now boast of having a home and a new business all thanks to him. He can fix your credit report and increase your scores in 3 day. He came through for me and he can also do same for you… Hit him up on his em ail at (COMPUTERSPYEXPERTS@GMAIL. COM) or (859) 7 8 0-3779

1 Contribution
194 People Helped

588 - 657 in 6 weeks

Helpful to 194 out of 230 people

My wife and I recently decided we wanted to buy a home better suited to starting a family and sell our townhouse (which she owned when we met). I didn't have the best, let's say, track record with financials in my past and my credit was abysmal. I hit rock bottom 2.5 years ago when my car ( a beautiful fully loaded Jeep) was reposed on Xmas eve morning. Even then, although angry and ashamed, I didn't do much to help myself out. My 20's, which were years of partying, spending and generally speaking not caring had finally caught up. I was 29. So, we got to work with fixing things. Paying off creditors, paying down debts, making on time payments, etc. When we had my credit run about 6 weeks ago, it was 588. This was much higher than the 410 I had a couple years ago, but still a far cry from good. (Side note here, be mindful of using credit cards that track your fico score, or having a credit bureau account that gives you your score. There are around 30 different scores that are used, and different scores are used for different types of inquires (auto loan is different than mortgage)). So we got to work, paid off the last couple things and really started paying attention to what was happening. One thing I can't stress enough is every year, you're allowed to get 3 free credit reports, 1 from each bureau. You MUST do this each year. This is where I found my credit windfall. I was able to uncover the fact that a debt that had been paid of was still being reported as open and late. I also found a debt that wasn't mine! A big one. $1700 showing open and late for 2 years with a collector. I filled a report with the CFPB (Consumer Financial Protection Bureau) and they started an investigation. The company that had this debt wrote me a letter saying that even though I had no proof that the debt wasn't mine, they would absolve it and would contact the 3 credit bureaus to have the reporting removed and cleared. At this point, I called my broker and said it's time to run the simulator. They ran it, and then performed what is called a Rapid Rescore. Some brokers charge for this; good ones don't. Since they are trying to get your business they will do it for free. If it's at cost, it's roughly $10 per item per report. If you have a lot of issues it can add up. Anyhow, they did the rescore, did the simulator, ran a hard inquiry and BOOM, 657.

This story is long winded and all, but the point is, it doesn't matter how bad you have screwed up. It happens to the best of people (I'm an alright kind of guy). But the only way to fix it is to put your foot down, get dirty and fix it. It won’t always be as quick as this and will most likely take a year or more to get in a good place. Then years of maintenance. But if you need a quick hit to your score in a good way, read through your reports carefully (with a credit advisor if you need to. Many personal banks will do this with your for free if you have accounts there in good standing) If it looks like there's something off or something you can fix, call your broker, go over the report with them and STRONGLY insist on a rapid rescore. They will get all your info and see what they can do.

Hope this helps at least a little!

Top Contributor
17 Contributions
24 People Helped
Helpful to 1 out of 45 people

Enter Your Reply You do need to talk with a credit repair professional. I know of someone who you can talk to and you can ask him questions if he can help with your situation. He charges reasonable fees but he will tell you if he can help you or not. If he does not there is no charge. Take a chance. Also, you may need to know that owning a home now is less expensive for you than renting. If you can solve this problem and re direct your goal to owning a home - that will be more beneficial for you in the long haul. contact (COMPUTERSPYEXPERTS@GMAIL. COM) or text (8 5 9) 7 8 0 - 3 7 7 9

1 Contribution
4 People Helped

Helpful to 4 out of 5 people

So what happened? Did your score increase?

Results 1-10 of 213Results per page: 5 | 10 | 25Page 1 of 22   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.