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My eqifax is 491 what do I do
Want to rebuild with in 3 to 6 months what should I do

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gotta be patient

Helpful to 13 out of 14 people

It's a long journey to build up your credit, it cannot be fast like couple months, it takes at least 1 year to know. Here are some advices that I give you from my own experience. 

1/ Always pay your payment on time, eventhough it's just minimum payment, it still need to be paid before the deadline.

2/ Open a secure credit card, and deposit amount of money which is your credit line that you are sure you can pay for it. If you can, just use 9% of your credit line, remember only 9%.

3/ Just pay in full amount if you can to avoid the interest. 

4/ Ask somebody that you trust and who trust you to add you as an authorized user to boost up your credit score.

5/ Pay all of your debt in the past, althougt you can deal with them to pay it up in a period of time.

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Rebuild within 6 months

Helpful to 18 out of 30 people

Trinity Credit services can help. Also, you may want to invest in a book by Dave Ramsey called Total Money Makeover. Most importantly keep GOD and your tithes and offerings FIRST!!! GOD bless you in JESUS' name.

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Helpful to 4 out of 8 people

Yes. Do not pay your bills or buy food before giving the church your money! God wants you homeless and starving while megachurches collect your cash and pay no taxes on it!

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Helpful to 3 out of 3 people

Mine was under 500 this time last year. Pay anything off that you can. Negotiate settlements for closed accounts and payment plans to bring open accounts current. Do not just close anything.

I had one closed charged off card that I was offered a settlement for so I paid it. That was January this year. I had two other cards that were behind (these are all store cards) and I brought each current with the amount they told me would bring it current. I then paid them off completely over the next few months. Those were all taken care of by June. In April, I got approved for a secured Capital One card. I liked that one because it was no annual fee and it was easy to get. They will have you put $49, $99, or $200 down based on your score which was also good because others wanted a $300-$500 deposit. I got approved for a $99 deposit and a $200 limit. I charged it and paid it off early every month. In October, my limit was upped to $500. At that time, I applied for a few other store cards and a Quicksilver One card from Capital One. Got approved by Capital One by $500 and approved for between $250 and $600 on the other cards I applied for. So now my total credit limits amounts to $3400. That appears to have upped my score. My score is now TU 624 and EQ 619. Still low, but over 100 points higher than it was this time last year. It does take time and there are no quick fixes.

Basically, try to clear up any collections or judgments you have. Research the best ways to do that. Pay anything off you can at the time. If you have no credit history, get a secured card ASAP. Keep your utilization low on any cards you get. That was what I did. If you have a couple missed payments and have some reason for them, write a good faith letter to the company and explain your situation. Some people have luck with that. A lot do not. I couldn't do it, but it is worth trying. You can Google the concept. Treat your credit cards like debit cards and do not spend money you don't have actual cash on hand for. Pay all your bills on time every month. It takes time but it will happen!

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Open a Credit Card

Helpful to 8 out of 12 people

Open a credit card and dont use it or always keep the balance under 50%. Always make the payment on time or before its due, this will increase your score overtime. It will decrease your score first but after a few months will increase.

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Helpful to 12 out of 14 people

50% utilization is way too much. 30% is the absolute max you should be using. Under 20% is ideal, and for certain cards 9% is the best. Please educate yourself before you feed others misinformation.

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Helpful to 8 out of 10 people

Start reading all you can under credit scores on this site.

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low credit score issues?

Helpful to 8 out of 23 people

live within your means. there's no such thing as a "free" lunch. delay gratification. in other words. grow up.

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