If I cannot recive anything on credit. Even though I pay my bills on time my utility company does not report to the credit bureau, nor does my current landlord. I was thinking to but a mobile home and sell it to add homewonership. I have a student loan that has never been late and not in repayment yet and I have purschased three cars which I have never been late on. What else can I do?
2007-03-03 12:58:31 · 9 answers · asked by nene 3 in Business & Finance ➔ Credit
If you always pay everything on time you could contact those companies you have always paid on time and request that they report to the credit bureau.
2007-03-03 15:28:38 · answer #1 · answered by Mike H 1 · 0⤊ 0⤋
Thank you for asking the question about improving your credit.
However, we're at a disadvantage -- that is, we don't know what your credit (at this time) is like. Why do you believe you need to improve your credit?
Once, I had a person ask me a similar question. My big mistake with that person at that time was that I didn't ask the questions I'm asking you. I starting draining my brain of specific ways she could improve her credit.
I came to find out that her middle score was a 795, which is a very good score (that is, any score over 720 is golden or A credit).
She didn't know the scoring range for each bureau, and she didn't pay attention to credit issues. For some reason, she thought she needed to improve her credit.
She taught me a valuable lesson I'll never forget. As with a doctor, I will not attempt to diagnose without first confirming the symptoms.
What is your middle score? (By the way, your middle score derives from the three main credit reporting agencies: TRansUnion, Equifax & Experian).
What's on your individual credit reports (Avoid the 3-in-1 report)? Instead, go to www.annualcreditreport.com and pull a free credit report from each of the three bureaus.
Separate the good from the not so good credit listings, if that's the case.
Always attempt to keep at least three active "tradelines" or credit accounts.
Good luck.
2007-03-03 13:39:43 · answer #2 · answered by paynemdp 2 · 0⤊ 0⤋
First of all be sure that all of the worry you are going through is worth is. Get a copy of your current credit report along with a copy of your credit score. All three report the scores a little different from the others. It would be good to get all three, seperately. Don't get a combined report. You won't be able to tell where good or bad info is coming from. Once you know the problem, if there really is one, it will be easier to fix.
2007-03-03 13:11:27 · answer #3 · answered by ttpawpaw 7 · 1⤊ 0⤋
Apply for a Credit Card at Capital One.
2007-03-03 13:03:20 · answer #4 · answered by Anonymous · 0⤊ 1⤋
Get a credit card. I myself have had this problem. You have to get a credit card and wait about six months for them to report to the credit bureau.
2007-03-03 13:13:42 · answer #5 · answered by Susie R 1 · 0⤊ 1⤋
I think you need a couple of revolving accouts. I would suggest you talk to Bank of America and see about getting secured credit cards. Not big and Keep balance on card low and paid on time.
2007-03-03 13:10:07 · answer #6 · answered by rallman@sbcglobal.net 5 · 0⤊ 0⤋
I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you.
2007-03-03 13:04:35 · answer #7 · answered by Anonymous · 0⤊ 1⤋
You can improve your credit by paying your bill on time
2007-03-03 13:06:23 · answer #8 · answered by maxineodom2003 1 · 0⤊ 1⤋
you can still pay our bills like pay more than your bills pay morex more of the money on crite card and than you can get more credite score
2007-03-03 13:06:29 · answer #9 · answered by DIANE E 3 · 0⤊ 1⤋