What is your opinion about using secured credit cards to improve credit history, especially if there is no current history (last entries were in 2004)?
I am trying to rebuild my credit. Is it better to keep a zero balance on the credit cards that I have recently paid off or keep a small amount and pay them off each month? I still have some credit cards that have a balance on, which I plan on paying off completely. I would just like to know the best way to raise my credit score.
I have been rebuilding my credit and would like to purchase a motorcycle and an engagement ring. If I apply for credit and get denied will my credit score go down and how long will the two remain on my credit report?
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?
Categories: Report Advice