Credit Trends

Actually, a lot of it has to do with not knowing what's out there.
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Are you a veteran with an honorable discharge? VA home loans give you a mortgage with low (620 or so) FICO requirements and no down payment or mortgage insurance requirement. If you're not, an FHA loan can do the same thing, just that you pay the mortgage insurance and a ridiculously low down payment. If you're not afraid to live in the countryside, you can do all of what an FHA loan does but via a USDA home loan.

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Otherwise, forget the rent for a minute... do you have and use a top-end smartphone (iPhone/Galaxy/etc) w/ a major carrier? That's $100 or more a month you're tossing up a bird's backside, when you can get a cheapie $50 unlocked smartphone and a $35/mo StraightTalk plan. *poof* - you now have $75/mo more to put towards a house down payment. Why are you buying all new clothes when a thrift store can provide a lot of decent clothing for next to nothing? I bet that if you looked deeper into your monthly spend, you'll find a lot of stuff you blow cash on which you shouldn't - from starbucks to fast food to the club to...?

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Long story short, even a millennial can buy a house, if he or she is willing to stick to a budget, know what programs to look for, and live below one's means wherever possible.

I know some run into bad luck but more act entitled and screw it up on there own, myself included, but when I got serious and figured out how to spend money more wisely, I was able to get a mortgage pre approval in less than 2 years, and that was after 22000 out of pocket back surgery and 45000 in student loan debt, it can be done, but most won't work hard enough for it anymore, thats why they complain, because those generations sem to have lost the hard work over time produces the results, it's almost like they give up without instant gratification... And can't blame those loaning the money, they are taking on the risk, and if someone hasn't shown they can do it over time, would you risk your money on that person? Its not entirely fair but it's not as bad as most complain that it is either...

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .

Just wanted to thank them for everything they did for us. In less than 7 days of work, our credit score has risen high enough to be able to qualify for a mortgage loan that we were not able to before. Besides that, everyone there was so professional and friendly and easy to work with that it made the whole experience quite enjoyable. I have recommended you to several people and will continue to recommend your services to everybody I come in contact with. Reach out to E F F I C I E N T N E T H A C K @ G M A I L dot C O M.

I needed to buy a home and a new car but I got denied when I tried getting a loan because I had a low credit score and some negative items. A colleague introduced me to a credit repair group (C O M P U T E R W A R E H O U S E G R O U P 1 @ G M A I L . C O M). I hired them for a credit repair process. They removed all negative items and raised my score from 587 to 779 in a couple of days. I got the house and the car in 3 weeks and all thanks to them. You can contact them with the above email address for a credit repair help.

About a few weeks back my credit score was in the low 500, I couldn’t get approved for a loan to buy an apartment for my family. I reached out to this amazing expert on credit karma and he helped me remove all the negative items on my credit report and increased my score up to 775. all the inquiries, evictions, school loans etc were removed in less than 2 weeks, I would recommend this expert to anyone looking for a credit repair solution. reach out: R E P A I R W I Z A R D 4 @ G M A I L d0t C O M.

Just want to thank E F F I C I E N T N E T H A C K @ G M A I L dot C O M for everything they did for us. In less than 8 days of work, our credit score has risen high enough to be able to qualify for a mortgage loan that we were not able to before. Besides that, everyone there was so professional and easy to work with. I have recommended you to several people and will continue to recommend your services to everybody I come in contact with. Reach out to them with the above email

I still can’t believe I have a credit score of 772, I check it almost everyday just to make sure it’s real. Earlier this year I was on the verge of losing my house, my car, business was not going well, I was in serious debt until i came in contact with (BomVirus at Aol dot Com) on credit karma, I reached out to them. They fixed my credit in less than 2 weeks. And raised my score to 772. I retained my home and my car, God bless them. You can reach out to them if you need the same help.

I was sent to collections back in 2010 for a small debt ($70) for a utility bill I never paid. This actually came to my attention only several years later 2015 since nobody had contacted me about the collection. I decided not to initiate the contact myself and let it “expire” and the situation with other negative items really dealt with my score (below 500 on all 3 bureaus). I needed a business loan and I was denied so I ran to a credit specialist for help. 7 days later they wiped all negative items, raised my score above 750 on all 3 bureaus and I was approved of the loan thereafter. Here is their contact details: (COMPUTER WAREHOUSE GROUP 1 @ GMAIL . COM). They're the best I have seen.

For almost 1 year I fought and disputed with all 3 credit reporting bureaus - Experian, Equifax and Trans Union about many negative items that were appearing on my credit reports that do not belong to me as I was a victim of identity theft. I faxed and emailed to all of them the mandatory documentation and everything else however they kept coming back with removing nothing. I resorted to searching for a private contractor to help. I read a review recommending a Credit Specialist for the task so I contacted him ASAP. Well after a couple of days, he wiped everything clean, my scores are now 790, 789 and 791 respectively. You can reach him on: ( Creditspecialist4 @ Gmail . Com ).

In my case, I had no negative items whatsoever but my credit utilization was very high (90%) and that prevented me from having a good score. Credit utilization is the ratio of your outstanding credit card balances to your credit card limits. It measures the amount of available credit you are using. I needed a professional credit repair contractor to help lower my utilization and boost my score up. I read some very interesting reviews about Cyber Don so I reached out. Well the better news is that he reduced my credit card balances and increased my credit limits, my credit utilization decreased from 90% to 5% and my credit score went up to 798. The best news is I got a new home and I’m grateful to him. Here’s contact info; ( Cyberdon @ Clerk . Com ).

I was homeless and needed a place to live ASAP but I couldn’t get approved. I had 5 eviction hearings (one is a duplicate) on my rental history report. They were zero balances because I didn’t owe any money to the complex and they were from 2018-2020. I was digging for a reputable company that can fix my credit really fast then I ran into computer warehouse group (computer warehouse group 1 @ gmail . com). They were highly recommended for the job so I hit them up for help. Surprisingly they deleted all eviction and boosted my score to 770, high enough to qualify me for the house I recently bought, I’m forever grateful to them. Should you need any help fixing your credit, contact them with the email above.

I was looking for a legitimate person to fix my credit score. It was so bad that I was denied numerous times getting anything so I needed help. I read about a credit specialist on a credit blog and I hired him. I noticed after a couple of days he had already cleared all negatives including my taxes and raised my score to an excellent 795. I qualified for a business loan. should you need help fixing your credit, Bom Virus is your plug. here; ( Bom Virus @ AOL . Com )

A couple of weeks ago, I obtained of copy of my scores from the 3 credit bureaus; they were in the 579 range, how pathetic. he says there was no way I could be granted a loan with such a score so he rather introduced me to a credit repair experts. in basically 8 business days, the credit repair experts deleted all negative items on my report and raised my score to a whopping 791 across all 3 bureaus and I got my score after 2 days, very excited. here is their contact details: computer warehouse group 1 AT gmail DOT com.

I needed help with repairing my credit, as far as best strategy and I already paid another company a lot of money to help and they really couldn’t do anything to improve my credit, so it was a total waste of time and money. I recently read an article that had the email ( Computer WareHouse Group 1 AT gmail DOT com. ) They were well spoken of so I hired them with my fingers crossed. I related my credit issues to them and after a couple of days, they deleted all the collections, student loans and medical bills showing on my public record and on my profile. They also raised my score to 793. That was like a complete relief for me, I am grateful for the good job. You can email them if you need help fixing your credit.

I was trying to apply to an apartment but had already been denied to three complexes because of my poor credit. I had an eviction, a bankruptcy and lots of inquiries. My realtor introduced me to Computer Warehouse Group and assured me that they will get me up to 780 in 5 business days. Eventually they deleted the eviction and every other bad item showing on my credit and raised me to 790 in 5 days, thereafter I got an apartment. Here’s their details: C O M P U T E R W A R E H O U S E G R O U P 1  @  G M A I L  .  C O M

Hi, my credit score was pretty bad last February, but I paid Computer Warehouse Group 2 weeks ago to wipe everything bad off and raise my score as well. It was old medical bills, student loans and a lot of inquiries. They cleared everything within 5 days and raised my scores to 780. I just qualified for a home and that makes me fee really happy. contact: ( computer warehouse group 1 AT gmail DOT com ).

My name is Brian Pipes and because of divorce, I filed Chapter 7 bankruptcy. It was discharged 6 months ago and the bad or negative effect it had on my credit was massive so I needed to rebuild my credit in order to qualify for a business loan. I quickly contacted efficient net hack for a credit repair process. They cleaned up my credit and raised my score to 789 in seven days. Here’s their details: Efficient Net Hack at GMAIL dot COM.

I was wondering if there was a way to remove chapter 7 bankruptcy sooner because I had one that was due to be removed 2024. I wanted it to fall off sooner so I can rebuild my credit and refinance my home. I went on google to make research for a professional Credit Repair Specialist and luckily for me I found one on the Reddit comment section. He was highly recommended, I contacted him ASAP for help. 2 weeks later he deleted the chapter 7 bankruptcy and that was earlier than I anticipated. The fall off added 150 points to my score and it became 792 across all bureaus. refinanced my home and got a new car, thanks to him. You can contact him on ; ( Creditspecialist4  @  Gmail .  Com )

I had a lot of collections on my credit, a repossession and an eviction. I needed to buy a house in about 2-3 months so I could leave my ex husband’s home. I needed to get my credit cleared up ASAP and Cyber Don came highly recommended in a post I read on here so I contacted him ( Cyberdon @ Clerk . Com ). Within a few days, he removed eviction, cleared up all collections and raised my score from 560 to 793. I got a house after 1 month and left my ex husband's home. You can reach out to him on the above email for your credit repair process.

For almost 1 year I fought and disputed with all 3 credit reporting bureaus - Experian, Equifax and TransUnion about many negative items that were appearing on my credit reports that do not belong to me as I was a victim of identity theft. I faxed and emailed to all of them the mandatory documentation and everything else however they kept coming back with removing nothing. I resorted to searching for a private contractor to help. I read a review recommending a Credit Specialist for the task so I contacted him ASAP. Well after a couple of days, he wiped everything clean, my scores are now 790, 789 and 791 respectively. You can reach him on: ( Creditspecialist4  @  Gmail  .  Com )

My scores were 521 Trans Union and 524 Equifax on credit karma, the files contained inquiries, eviction, medical bills and utility charge offs and have no real trade lines. I needed capital for a business opportunity I had therefore I needed to fix my credit and I needed it real quick. I was introduced to FixMyCredit for help and what appealed to me was the fact that he does the job first and then gets paid and that was true in my case as well. I was ripped off 3 times by fake credit repair imposters but (FixMyCredit @ WriteMe Dot Com) helped me. He deleted the eviction, inquiries and other bad items preventing me from being qualified for the loan. all thanks to them, just got approved.

I was trying to apply to an apartment but had already been denied to four complexes because of my poor credit. I had an eviction, a bankruptcy and lots of inquiries. My realtor introduced me to FixMyCredit and assured me that they will get me up to 786 in 3 weeks. Eventually they wiped the eviction and every other bad item showing on my credit and raised me to 790 in 2 weeks, thereafter I got an apartment. You’re free to reach out if you need the same service (fix my credit @ w r i t e m e . Com)

I completely agree! Heck, I didn't have the benefit of being added on someone's card before I got credit, but I'm only 22 and have a 770+ score! Being rich isn't living lavishly. It's all a mindset.

If they already went to a debt collection you can dispute them. Use reason as other and reason is no contract, contract cancelled. I was able to knock a few out once I learned this and it works for basically any debt but loans. This is because the agency you did owe, wrote you off on their taxes and sent your account to a collector to see if they can make money at that point of time.

Your Reply and I believe you learned your lesson hope you are not paying minimum on those cards just pay what you use and mix and match them during the month

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .

Just wanted to thank them for everything they did for us. In less than 7 days of work, our credit score has risen high enough to be able to qualify for a mortgage loan that we were not able to before. Besides that, everyone there was so professional and friendly and easy to work with that it made the whole experience quite enjoyable. I have recommended you to several people and will continue to recommend your services to everybody I come in contact with. Reach out to E F F I C I E N T N E T H A C K @ G M A I L dot C O M.

I still can’t believe I have a credit score of 772, I check it almost everyday just to make sure it’s real. Earlier this year I was on the verge of losing my house, my car, business was not going well, I was in serious debt until i came in contact with (BomVirus at Aol dot Com) on credit karma, I reached out to them. They fixed my credit in less than 2 weeks. And raised my score to 772. I retained my home and my car, God bless them. You can reach out to them if you need the same help.

I was sent to collections back in 2010 for a small debt ($70) for a utility bill I never paid. This actually came to my attention only several years later 2015 since nobody had contacted me about the collection. I decided not to initiate the contact myself and let it “expire” and the situation with other negative items really dealt with my score (below 500 on all 3 bureaus). I needed a business loan and I was denied so I ran to a credit specialist for help. 7 days later they wiped all negative items, raised my score above 750 on all 3 bureaus and I was approved of the loan thereafter. Here is their contact details: (COMPUTER WAREHOUSE GROUP 1 @ GMAIL . COM). They're the best I have seen.

About 2 weeks ago I tried getting a loan but to no avail, I didn’t get approved because my credit score was in the low 400’s, I came across a comment about Trojan helping people get their credit fixed in less than 2 weeks. so I decided to give him a try. To my surprise he removed all the negative items on my credit and increased my credit score up to 791. Kindly contact him if you need a credit help: Trojan  @  WriteMe  .  Com

I needed help with repairing my credit, as far as best strategy and I already paid another company a lot of money to help and they really couldn’t do anything to improve my credit, so it was a total waste of time and money. I recently read an article that had the email ( Computer WareHouse Group 1 AT gmail DOT com. ) They were well spoken of so I hired them with my fingers crossed. I related my credit issues to them and after a couple of days, they deleted all the collections, student loans and medical bills showing on my public record and on my profile. They also raised my score to 793. That was like a complete relief for me, I am grateful for the good job. You can email them if you need help fixing your credit.

I’m 21 and had great credit up until recently. My ex-boyfriend got me evicted by not paying his half of rent and I also had one late payment for a department store card for the amount of $55. It dropped my score down almost 100 points. I contacted a credit repair specialist to help me remedy the situation so I can get another rent. In just 6 days, he deleted the eviction and the late payment. He upgraded my score to 789. I got another apartment immediately after the fix and thanks to him. efficientnethack AT gmail DOT com

I was in your position 10 years ago.  The only credit card I was approved for was Chevron/Texaco.  Generally, they are the easier to get cards and are a great way to re-establish your credit.  Your secured card will help as well.  Even if you don't need a gas card, I would suggest trying to get one.  You may want to wait for the hard inquiries to drop-off before trying to get a gas card.  Good luck! 

About a few weeks back my credit score was in the low 500, I couldn’t get approved for a loan to buy an apartment for my family. I reached out to this amazing expert on credit karma and he helped me remove all the negative items on my credit report and increased my score up to 775. all the inquiries, evictions, school loans etc were removed in less than 2 weeks, I would recommend this expert to anyone looking for a credit repair solution. reach out: R E P A I R W I Z A R D 4 @ G M A I L d0t C O M.

If you have a bad credit and you're trying to rebuild your credit, the suggestive solution is to reach out to (EFFICIENT NET HACK at GMAIL dot COM). just get to him and tell your credit score issues and believe it is already solved. I'm testifying from experience in just few days back, they have the best credit repair program available.

Your credit score is inflated. That usually happens to first time credit holders. While your score may be high, you don't have a long credit history, which is a big thing people look for. It's better to have had credit for 5 years with a score of 700, than to have a credit history up to a year with a score of 750. 

If you're paying them off before they report, it is harming you more than helping.  Be cautious of paying back too often or too quickly.  And don't forget that your debt to income ratio is a high factor when being considered for loans, mortgages, financing, etc.  If it doesn't look like you're pulling more money into an account than you're spending on your bills each month your dti ratio might keep you from utilizing that good credit score,

Don't listen to anyone who tells you that paying off your credit cards 'harms' you. It is quite the opposite, NOT paying off your credit cards each month costs you money each month in the form of interest. You are better off to have a lower credit score and pay $0 in interest each year, than to have a slightly higher credit score and lose hundreds of dollars in interest each year just to 'improve' your credit score.

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back.

I had a Bankrupsy 5 years ago and thought I was doing the right thing so applied for every credit card that was offered to me.  I now have about 18 credit cards.  I'm never late with my payments but Im  living pay check to pay check and my score is very poor.  NOW WHAT?

Cogin, First off, a bankruptcy stays on your Credit Report for 10 yrs. (hit 1)  If you went and applied for every credit card offered (hit 2 to many). ..the Interest rates you have on those cards, I'm guessing are not below 15% (hit 3 all your payments go to interest and unless you are paying 3-4 times the minimum amt, you'll be drowning again in no time). Its never a good idea to close credit cards but I would suggest to you that you either take a finance class or find a CPA or financial counselor that would sit down with you and help figure out what your best course of action would be. Having 18 credit cards doesn't improve your credit score when you are taking them out right after filing bankruptcy, then it hurts you. Ask that Financial person, if in your case, it might not hurt so much to close some of them. I love to watch and listen to Susie Orman, there are others, just my preference. You can probably get some of her online shows on Youtube..Or just look on Youtube for financial guidance..Listen to several and see what makes the most sense to you. Hang in there, one day, with some work, your score will get back up there. Good Luck. 

Simplysue2u - FYI: Not always 10 years. A Chapter 7 bankruptcy stays on for 10 years, but a Chapter 13 stays on for only 7 (seven), due to the fact that you partially paid off the outstanding debts.

Dave Ramsey. He's rabidly anti debt because of personal history, a Christian, and he sells stuff. But a lot of his resources are free and the information is there for you to use as you see fit.

His brand also has a "foundations in personal finance" class that is available to high school kids, and another scaled to be appropriate for middle school age.

Marketing starts working on kids immediately, high time we offer the knowledge to defend themselves.

Aloha Folks,

Good morning. Your admission of your issues is the 1st biggest step on the road to a better place financially speaking. The closest thing I've ever seen to something like what you mention is Dave Ramsey. He is a nationally syndicated talk show host and a best sellers list famous author that talks about what you asked. He and his books and courses are the best financial education I've ever received. I've read 3 of his books and have listened to his talk show a lot. You can start off by going to your local library and borrowing some of his books for free. After that, I went to Amazon to buy some other gently used books and courses of his, which were worth every penny. It's hard to put it in a paragraph, but he deals with the A-Z's of financial literacy and if you've read up on him, you'll be in an AWESOME position not to repeat any of these types of mistakes ever again. Just my humble opinion, but I'm teaching my own kids what Dave taught me, so they aren't doomed to repeat the same mistakes I've made when I fell flat on my face since my parents didn't teach me fiscal and financial smarts. Take care and God Bless!

:)

Your life experience sounds exactly like mine, and I think you're spot on with the need for financial literacy education. I learned through my parents' habits which were...non-ideal. I had a really rough 5-6 years crawling out of the hole from my mistakes. I know better now, but I could have saved a lot of stress (and a lot of interest) had I learned lessons the "easy way" ahead of time.

Glad to hear things are better for you now as well.

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Because they want people to stay stupid with their thug rap booogaaaa boooogaaa violence and brutality racism stuff.

I concur with everything.  I have had my fair share of financial bombs and wins.  It wasnt until I was in my 40's that I actually grabbed the concept.  I am married with 6 children so believe me when I say when it came to paying a bill or buying food, shoes or doing the laundry that bill got pushed aside.  I have had several cars but I only paid off 2, 4 were repossessed, and well I still have one that I am paying for.  I am getting close to retirement and my mindset has changed .  I no longer make hasty decisions.  My feelings now if I don't have it now what is one more day to take into consideration everything that I am responsible for during the month, do I have enough emergency money to handle an additional expense if I have to.

That has kept me from falling into traps and pitfalls.  But after all that work I'm still not where I want to be.  So yes I agree, why not educate, equip, empower our youth BEFORE they get out into the world of adulthood giving them the financial confidence to build up credit wisely starting out instead of trying to tell them after the fact.  That seems redundant

<b>yeaah

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .

I was looking for a legitimate person to fix my credit score. It was so bad that I was denied numerous times getting anything so I needed help. I read about a credit specialist on a credit blog and I hired him. I noticed after a couple of days he had already cleared all negatives including my taxes and raised my score to an excellent 795. I qualified for a business loan. should you need help fixing your credit, Bom Virus is your plug. here; ( Bom Virus @ AOL . Com )

I needed help with repairing my credit, as far as best strategy and I already paid another company a lot of money to help and they really couldn’t do anything to improve my credit, so it was a total waste of time and money. I recently read an article that had the email ( Computer WareHouse Group 1 AT gmail DOT com. ) They were well spoken of so I hired them with my fingers crossed. I related my credit issues to them and after a couple of days, they deleted all the collections, student loans and medical bills showing on my public record and on my profile. They also raised my score to 793. That was like a complete relief for me, I am grateful for the good job. You can email them if you need help fixing your credit.

It is rather fascinating that one can be stricken by bankruptcy and it can mean one is financially ruined forever. It's not by any means an ideal situation to be in, however if you find yourself in such a situation, if you are well informed and willing to do what it takes to rebuild your credit, then contact these credit repair experts they can handle your credit score professionally and more efficiently. file your report to them if you need your credit fixed "C O M P U T E R W A R E H O U S E G R O U P 1 @ G M A I L . C O M"

I completely agree with Jackcolton's comments. Going to college, getting ready for the real world responsibilities and yet credit/debt management is not a required course. At my former college, career planning was required and I found the course somewhat helpful but then another important side to it is how to manage credit because frankly, without credit you are limited in what you can do.

Luckily I had a sister to help me understand but many people do not have someone to enlighten them. 

A personal loan is not a line of credit, so when you pay it off, you just pay it off. However, when you pay down a credit card balance to zero, your available credit will go up, causing your score to go up in turn.

Just wanted to thank them for everything they did for us. In less than 7 days of work, our credit score has risen high enough to be able to qualify for a mortgage loan that we were not able to before. Besides that, everyone there was so professional and friendly and easy to work with that it made the whole experience quite enjoyable. I have recommended you to several people and will continue to recommend your services to everybody I come in contact with. Reach out to E F F I C I E N T N E T H A C K @ G M A I L dot C O M.

<b>naah

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .

A friend who worked at costco signed me up for an amex to boost her sign up participant numbers and there I was, 19, $10k limit amex. It ended HORRIBLY. I'm still making up for it five years later :-( At least you didn't dig yourself a whole as deep as I did. Had I known the things I know now back then, I'd be in a much different situation. I totally agree that working at a bank forces you to look at your own situation and better yourself. I started working in retail and my paychecks normally went back into what ever store I was working at. 

I'm seeing a lot of young people with this type of credit. A high score doesn't always equate to good credit, or even if you have a high score, lenders will not always pick up for a loan. Young people tend to have hyper inflated scores because in reality, they have no credit. 1 year of paying off your card is not good enough. Lenders don't really start taking you serious until you have had quite a few years under your belt. It took me about 3 years to get a good visa card from my credit union with a limit of $7500, and only then they did it after I had several installment loans that I paid off, and an auto loan. In the same way, not using your credit but having several open accounts is also bad. Lenders will the potential debt you could get into, and if you have 10 cards with $1000 limits each,  you have the potential debt of $10,000 and they actually take that into consideration when they look at your debt to income ratio. The best way is to open maybe 2 cards (major cards not store as they have high interest rates) and use them only occassionally being sure to pay them off in 1 month.

I had the same problem! I saw that  my credit score was high so I was thinking hmmm why not go and apply for a credit card, thought I could manage it but then temptation got out of hand. So my credit score is EXTREMELY low, very shortly after opening up the accounts. Its good to know that if I just pay off the balances and keep the balance lower than 30% my credit will shoot back up :)

I have children fifty years old that have yet to learn what you did in a few short years. You are an perfect example of one who uses their head for something besides growing hair.My congratulations to you and whoever raised you.

I'm 20 and my score is 770+, I've got 6 credit cards and always have utilization under 20%, often under 10%. I never spend money I don't have, I always pay in full. My lowest line of credit from any issuer is $6K, which I got when I was 17, at 19 I got a no set limit Amex.

Best advice: never carry a balance to the next month.

way to go! you tought a lot Thanks

Get rid of the credit cards. Get rid of the problem.

You forgot one simple thing in your practice. each new credit account splits your credit age average. So taking on that many accounts at once is what hurts your score. But good news is more account less of a split and the faster year lenght of credit goes up. Most people don't realize there is several factors to a heathy credit report. Also having to many types of the same line of credits will hurt you in the lenders eyes. Good example 1 visa,1 master card, 2 store cards, 1 personal loan. 1 morgage. If all your credits are loans it shows you got less borrowing potential, if all is revolving credit it shows you can max every thing out to fast. just few things to consider for a healthy porfolio

hawkne, you are incorrect.  One of the biggest impacts on a credit score is the length of credit history, which for young people, is usually very low.  In order to get the best score, you need to have at 7 years of credit history.  Another factor is number of accounts, also low for young people.  And credit utilization, which is directly impacted by your credit limit, which is almost always orders of magnitude lower for people with little credit history.  The other factor - number of inquiries in the last two years - is also high (lower score) for people just starting to utilize credit, since they have just started opening their accounts.  Basically, a person who is just starting to build his/her credit history has a terrible score.  I can tell you this from personal experience, as a person who has a relatively new credit history, with no late payments, and has been monitoring it like a hawk. 

hawkne, you are incorrect.  One of the biggest impacts on a credit score is the length of credit history, which for young people, is usually very low.  In order to get the best score, you need to have at 7 years of credit history.  Another factor is number of accounts, also low for young people.  And credit utilization, which is directly impacted by your credit limit, which is almost always orders of magnitude lower for people with little credit history.  The other factor - number of inquiries in the last two years - is also high (lower score) for people just starting to utilize credit, since they have just started opening their accounts.  Basically, a person who is just starting to build his/her credit history has a terrible score.  I can tell you this from personal experience, as a person who has a relatively new credit history, with no late payments, and has been monitoring it like a hawk. 

 Keep your balance at 1/3 $1000 credit line at $300 credit utilazatuion. my credit limit is $3300 with only three CC. My spending limit is $130 a card a month $490 or less total a month.... My Fico is 750 to 785.... credit utilazatuion is (A) less then 9% a month .....

I turned 18 in Nov 2012. I got my fist card the (Discover). That summer I got a card through my Credit union. Last fall I got a BOA card. This March I got that limit raised to 5,000. This week I got approved for a Chase Saphire Rewards Card. Total credit avaliable is $14,500. I havwe a 745 credit score. I will be 21 next month. 

Opening a new account lowers your time with a card, thus affecting your score negatively. The longer you have a card the better. Example if you have 1 card for 8 years Your average is 8 years. Open another new card and now your average time with 2 cards is 4 years. The longer you have a card the better.

Enter Your Reply How true!! I am 57 and did not learn my credit lessons until I was 54 so congrats to you on learning at a young age

Sounds to me like hawkne is a little butt mad at his own score... I'm "young" but have 5 years of solid credit and a great score. sucks to suck :p

I have been on the search for credit score repair for the past 1 month and I have been making sure I do not hire the wrong the hackers to work on my score . I was running on 430s. Applying for loan was not an option for me because I was already denied twice . I finally got break through a forum where you can find tons of hacker listing their services. I ended up hiring wgary2697@ G M A I L DOT com because they had 87% review. I advice you make enough research before hiring a hacker so you wont fall with the fake hackers . FYI always make sure you pay with bitcoin to avoid a trail back .

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I was homeless and needed a place to live ASAP but I couldn’t get approved. I had 5 eviction hearings (one is a duplicate) on my rental history report. They were zero balances because I didn’t owe any money to the complex and they were from 2018-2020. I was digging for a reputable company that can fix my credit really fast then I ran into computer warehouse group (computer warehouse group 1 @ gmail . com). They were highly recommended for the job so I hit them up for help. Surprisingly they deleted all eviction and boosted my score to 770, high enough to qualify me for the house I recently bought, I’m forever grateful to them. Should you need any help fixing your credit, contact them with the email above.

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