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Question By
Carnivalcruise

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0 People Helped
What I need to do to get my credit score up?

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1 Contribution
13 People Helped

Helpful to 13 out of 15 people

Can't understand why my credit score dropped so quickly. I do have several credit cards,but am paying them on time. 

2 Contributions
20 People Helped

Iam working the system

Helpful to 20 out of 25 people

i started with a low 500 dollar credit card then a few months later i was offerd a 2,000.00 dollar card and my credit did inprove greatly after a year i took out a small personal loan,so iam doing all the things i've been reading about,.hopefully i will be able to secure a moregage in comming months,i will keep you posted.

1 Contribution
61 People Helped

Credit report

Helpful to 61 out of 90 people

Whats on my repot that would get my score up to 700?

1 Contribution
29 People Helped

Helpful to 29 out of 46 people

Go to Resources, then go to Articles.  There are a couple that you can read that will give you things to do to increase your score.

3 Contributions
25 People Helped

Helpful to 20 out of 32 people

Pay off your debt as quickly as possible. The goal is not a high FICO Score. It is being debt free.

1 Contribution
3 People Helped

Helpful to 3 out of 6 people

Paying off debts but they are not being reported and once i pay them off they reappear as a new debt. 

1 Contribution
0 People Helped

How can I raise my score up.

1 Contribution
2 People Helped

Helpful to 2 out of 10 people

none of this is really helpful if all of them were put together then it would make more sense? I have a bad credit score however I have had no CREDIT in twenty years? My report states that I have no credit history it is just bad news? How do I overcome this before I die?

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Reply by
EddyTX

2157 Contributions
3920 People Helped
Helpful to 37 out of 43 people

You'll have start from the ground up. Just like an 18 y.o.  

You Probably have a relationship with a bank. Go in and talk with a branch manager. Explain what you're trying to do, Create a credit rating because you've been living debt free. 

You may have to start with a secured card or one with a low credit limit. Then down the road another card. Then maybe a small loan.  

Educate yourself through forums like this and learn what it means to manage your credit.  You already have the skills. The same principles that you learned to manage to live debt free apply to how you manage your credit. 

Credit cards in particular need to be used as they were intended. A tool so you need not carry cash. Not a way to live beyond your means. 

Great credit comes not from having a lot of money,  it's how you manage it. 

Good luck. 

1 Contribution
2 People Helped

Helpful to 2 out of 8 people

What happens when you only have plastic and no cash? Something happens to the system. How are you going to purchase things? Bad idea to be on a no cash type system. 

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