I tend to make more than one payment per month on my credit cards accounts. Will this raise my credit scores?
I have an 805 Experian score. I know that’s a good score; however, I am a competitive person and would like a higher score. I have the financial means to do whatever is necessary. For example, I could pay off my mortgage, but I don’t because I think it helps your score to have one. I pay my credit cards off monthly, but your systems show a balance, so should I send a $10,000 or $20,000 advance payment each month to the credit card companies so there will never be a “balance,” just activity? Would that help? I really don’t need credit, but find it challenging to raise my score.
How can you improve your credit score if you don’t have any credit cards?
Are past delinquencies that have been paid off ever removed from the credit report? Also, do you have someone that you recommend for cleaning up credit?
I would like to try to fix my credit myself before I pay $865 for 60 months. What should I do first?
How can I improve my credit all at once?
I have just paid off all of my bad debt, but I only have one good standing loan, and that was back in 2005. What would be the best way to improve my credit? I heard getting a pre-paid visa would work, is that true?
I would love to get an answer on how to increase my credit score other than common sense answers like, “Pay your bill on time.” No duh. I’m past that. I didn’t pay on time, now what? Or, get a credit card. My credit is messed up. I can’t get a credit card. I hope you have some information that can actually be applied, like who to pay first. If it’s already in collection should I even pay it off?
I am trying to buy a house, and my credit score just needs to go up by one point. The only credit I have is a credit card with a $900 balance and $1,500 limit. If I pay it down to $500 would this raise my score?