looking to create a better credit score.
2007-02-13 20:36:24 · 5 answers · asked by spirit 1 in Business & Finance ➔ Credit
keep paying those payments as you don't really owe that much
2007-02-13 21:16:40 · answer #1 · answered by Anonymous · 0⤊ 0⤋
In the reverse order of how you got into it. Work more, spend less. Put all the extra money that you make and save into paying off the credit card. As far as a better credit score, bah. If you have cash to pay for things then you don't have to worry about credit. What do you need a good credit score for? A car? Safe for it. A house, well the best plan would be to pay cash, but if you have to take out a loan if you have two years stable work history and rent history you can go to a lender who does manual underwriting and get approved just as you would if you had a great credit score. In a way it may even be better because you will be less of a risk because you don't have a bunch of credit cards to max out for buying new stuff for the house. As far as all the other toys: TV, Games Systems, Computers, and whatever else you may be into, go on the 100% cash down plan. Or better yet, save your money, invest it and make it work for you instead of working for it.
2007-02-13 20:43:53 · answer #2 · answered by Joe H 1 · 0⤊ 0⤋
Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in
2007-02-14 17:17:29 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Quick way, pay off all of your small bills to keep them from becoming large ones, and make the min. payments on the large one to keep them current. If you can send in 10 to 15 over the min. Depending on your income it should be ok in a year and a half, at most... if you cut back on unnecessaries... Most important never be late with a payment, early is good nut never late
2007-02-13 20:52:20 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Negotiate a better interest rate. Quit using the card. Quit going out to eat. Put all money possible yopward paying down the debt. Good luck.
2007-02-13 20:40:14 · answer #5 · answered by itry007 4 · 0⤊ 0⤋