I already know to pay my bills but i still cant get any type of credit card. One more question. How long will it take for my credit to get to 600 or better?
2006-11-21 09:53:17 · 6 answers · asked by the chief 1 in Business & Finance ➔ Credit
420 is the worst score I have heard of.
You need to do a few things.
1. Dont think you can fix your credit overnight.
2. Start disputing the negative items on your credit reports.
3. Start paying or settling your debts.
4. Start adding positive credit.
5. Be patient, the process can be infuriating!
I used this company : http://www.expert-credit-advice.com/credit_repair_service.htm
They took about 8 months, but they did remove all the negatives and helped me build credit.
There is one technique that I learned from them called piggybacking. Piggybacking could potentially add the 180 points you need within one or two billing cycles.
Read about it on this page: http://www.expert-credit-advice.com/building_credit.htm
2006-11-21 23:19:51 · answer #1 · answered by Anonymous · 0⤊ 0⤋
I don't know how long it will take to get to 600, and I know you can't get a department store charge. If you use these sites below you can certainly get these cards. They will help you credit if you pay them on time. I've raised my score 66 points since September 5th.
2006-11-21 17:34:25 · answer #2 · answered by NETTA M 3 · 0⤊ 0⤋
did u try a bank ? my credit was 480 when I financed my car by financing rate is way over the top. but in a year I have a credit rating of 704 and maybe a few biils, after 7 months the credit cards company will seek you. they found me..its not all its perked up to be
2006-11-21 10:03:18 · answer #3 · answered by Karina 2 · 0⤊ 0⤋
Get any credit card you can- a macy's card, mervyn's card, whatever. Someone somewhere will lend you credit- even if the rates are near usury. Then, use it frequently and pay it off.
2006-11-21 10:32:23 · answer #4 · answered by noname 2 · 0⤊ 0⤋
you need to get a secure card where you put money into an account and that is your limit, the only other way is obviously to pay off your debts in full. it could take almost a year to raise it that much
2006-11-21 10:03:07 · answer #5 · answered by scottb03gt 4 · 0⤊ 0⤋
SECURE CREDIT CARD....
MAKE SURE YOU HAVE A CHECKING AND SAVING ACCOUNT WITH A BANK.
AFTER A YEAR YOU CAN HAVE ENOUGH SECURITY TO GET A BANK CARD.
2006-11-21 10:08:55 · answer #6 · answered by cork 7 · 0⤊ 0⤋