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
Nikki092907

0 Contributions
0 People Helped
Need to raise my credit score over 100 points as quickly as possible
I am working on making timely payments etc. I would like to get approved for a mortgage, but in order to do so I need to improve my score about 120 points. I am currently renting and would like to save money and begin paying a mortgage asap. I have been timely lately, but I have some negatives on my credit report I have been paying on....here is my question, the ones that were sent to collections previously and have since been paid off, is there anyway to get those removed before the seven year fall off period?
Thank you for any help

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
713 Contributions
2570 People Helped
Most Helpful Response

Helpful to 2 out of 2 people

Beware. The person (crlevy) who posted the recommendation for the site cr*d****.com is probably a comment spammer. That site and a related one get promoted a lot by phony posters who eventually get kicked off Credit Karma.

But that person's first line is right. Coming to grips with credit reality means that you recognize that while scores drop quickly, they rise only slowly. And no, sorry, you can't remove negative records. It does sound as if you're already on your way to better credit habits and those will serve you in the long run. You might not be able to qualify for a mortgage now, but give that behavior a few years and you'll be golden.

Result 1-1 of 1Results 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.