I want to buy or finance a car but my credit wasn't good. But I've been paying my bills on time and some things should be gone from my credit by now. It was three months ago is that to soon to try again?
2007-02-21 01:27:40 · 11 answers · asked by TD 3 in Business & Finance ➔ Credit
its very easy to get crdts ...........
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2007-02-21 01:33:59 · answer #1 · answered by sampath k 1 · 0⤊ 0⤋
It depends WHY your credit is not good. If it is a question of having bankruprcy or collections on your report it can take a long time of good credit management to get your score back up.
If you simply have lack of credit history, or too much debt then you score can raise alot faster by simply paying off some bills.
2007-02-21 01:45:28 · answer #2 · answered by Anonymous · 0⤊ 0⤋
It can take years to build up credit. A missed payment will effect your report for several years. The legnth of your credit history also effects your score. Just continue trying to maintain a clean credit history and save up your money. I would check your credit score maybe once every 6 months, possibly once a year to see if it has improved. Strangely enough, making repeated credit inquiries can negativly effect your credit score.
2007-02-21 01:32:59 · answer #3 · answered by Louis G 6 · 0⤊ 0⤋
between the series bill and the credit card almost maxed out, those are issues. The score could pass up in a pair of twelve months. be sure that as quickly as you pay the collections bill, you deliver the huge 3 copies of your bill being paid off. frequently maximum places take a twelve months to get rid of those issues out of your credit. additionally be sure that your application expenses are paid ont ime besides. those do be sure (slightly) the way you're rated. in this time, do not open or close any bills. era. do not prepare for any credit delivers no remember how tempting it style of feels. each and every time you prepare for any one in each and every of those your score can do down between 3 and 5 factors. as quickly as you %. your mortgaeg place, it quite is it. do not shop procuring. brokers will pull your credit and consequently you unfastened some extra factors. 3 to 5 do not look liek lots, yet htey upload up immediately. sturdy luck
2016-12-17 15:19:42 · answer #4 · answered by Anonymous · 0⤊ 0⤋
It took me almost a year to build up a good score and then (out of the blue) a judgement showed up on it. 120 pts right off the top! I was able to get it vacated - but it's taken me another year to get back up to where I was when it hit.
Just keep paying things on time. Washington Mutal was my first credit card when I didn't have much credit and they offer free credit score monitoring every month. You might check with them about getting a credit card (secured or unsecured - depending on your situation).
2007-02-21 02:48:27 · answer #5 · answered by reandsmom77 6 · 0⤊ 0⤋
First, you need to purchase a 3 in 1 credit report so that you know your score and you have a starting point to make your battle plan! If you want to learn ways to improve your credit then visit http://www.thecreditrepairmanual.com
2007-02-21 02:50:24 · answer #6 · answered by Anonymous · 0⤊ 0⤋
I think it is too soon to try again you will be given a higher rate based on your not so good credit. You need to be patient and give your credit a time to be good enough to qualify you for a better interest rates.
Good Luck.
2007-02-28 08:28:46 · answer #7 · answered by mfas72as 1 · 0⤊ 0⤋
It takes years to build credit but if you have anything bad on your credit report it takes 7 years for it to be removed you can also challenge things on your credit file and if they don't respond it will get removed from your file and you can get a free copy of your credit file from consumer credit reporting companies: Equifax, Experian and Trans Union. if you haven't already at this website www.annualcreditreport.com
2007-02-21 01:37:42 · answer #8 · answered by JL 2 · 0⤊ 0⤋
The below website contains valuable information related to your question:
2007-02-24 16:41:02 · answer #9 · answered by Anonymous · 0⤊ 1⤋
it takes 7 years for negative information to fall off your report...however, good information can remain forever
2007-02-21 02:50:01 · answer #10 · answered by sunbun 6 · 0⤊ 1⤋
yes
2007-02-25 19:16:48 · answer #11 · answered by Anonymous · 0⤊ 0⤋