Comments on: How To Raise Your Credit Score Fast and Free http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off I Survived Bankruptcy, Short Sale & More | DebtKid.com Sun, 12 Feb 2012 01:24:18 +0000 hourly 1 http://wordpress.org/?v= By: Gabriella http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-45346 Gabriella Mon, 07 Nov 2011 22:20:33 +0000 http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-45346 Get a friend or family member, with good credit, to open a credit card with you. You have to make all payments on time though or your loved one's score will be negatively affected. Get a friend or family member, with good credit, to open a credit card with you. You have to make all payments on time though or your loved one’s score will be negatively affected.

]]> By: Gabriella http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-45345 Gabriella Mon, 07 Nov 2011 22:15:48 +0000 http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-45345 Applying for that many cards at once shows that you are intending to take a large risk. This shows the credit bureaus that you are not sure that you will be able to pay them back. I was rejected the first time I applied for a credit card, but had a parent with good credit co-sign for it. Within 3 months, I received about 50 offers for other credit cards. I was then able to establish a great credit over a few years, and then went looking for a new car. When the dealership checked my credit score, it was a hard inquiry, which, in the same light, showed that I was getting ready to take a large risk, so my credit then took an 18 point nose dive. Luckily, about 4 or 5 months later, it went up 23 points. Applying for that many cards at once shows that you are intending to take a large risk. This shows the credit bureaus that you are not sure that you will be able to pay them back. I was rejected the first time I applied for a credit card, but had a parent with good credit co-sign for it. Within 3 months, I received about 50 offers for other credit cards.

I was then able to establish a great credit over a few years, and then went looking for a new car. When the dealership checked my credit score, it was a hard inquiry, which, in the same light, showed that I was getting ready to take a large risk, so my credit then took an 18 point nose dive. Luckily, about 4 or 5 months later, it went up 23 points.

]]> By: Debbie http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-44106 Debbie Fri, 21 Oct 2011 17:40:19 +0000 http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-44106 My husband is the one with the good credit. We recently bought a new car and are closing on a home in a few days. His three credit scores when we were approved for the mortgage were 756, 670 & 668. So he applied for a personal loan today and was denied for "too many recent credit inquires". His income is $43 thousand a year and the only debt is the car at $360 a month and a student loan for our daughter totaling $5 thousand. So I know the debt to income ratio can't be a factor. Any ideas of where to get a loan and how? We want it for new furniture, etc. for the new house. My husband is the one with the good credit. We recently bought a new car and are closing on a home in a few days. His three credit scores when we were approved for the mortgage were 756, 670 & 668. So he applied for a personal loan today and was denied for “too many recent credit inquires”. His income is $43 thousand a year and the only debt is the car at $360 a month and a student loan for our daughter totaling $5 thousand. So I know the debt to income ratio can’t be a factor. Any ideas of where to get a loan and how? We want it for new furniture, etc. for the new house.

]]> By: Jess C http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-41935 Jess C Sat, 03 Sep 2011 04:39:03 +0000 http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-41935 I hope to god you didn't close accounts! That dings your credit score! I found this out the hard way. I hope to god you didn’t close accounts! That dings your credit score! I found this out the hard way.

]]> By: Tony http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-41871 Tony Tue, 30 Aug 2011 21:05:52 +0000 http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-41871 Hello, Get a SECURED credit card as YOU can deposit YOUR money and set YOUR credit limit. Hope this will help!!! Tony Hello,
Get a SECURED credit card as YOU can deposit YOUR money and set YOUR credit limit.
Hope this will help!!!
Tony

]]> By: Mrs Ruth http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-41806 Mrs Ruth Sat, 27 Aug 2011 09:22:28 +0000 http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-41806 Hello every one, My name is Mrs Ruth I live here in USA and i am talking as the happiest person in the whole wild world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need a loan of $65,000 USD to start my life all over as i am a single mum with 2 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan lender that changed my life and that of my family, a GOD fearing lender,Bob Diamond Of PAY DAY LOAN , he was the savior GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $58,000 US dollars and i will advise any one who is in genuine need of a loan to contact Bob Diamond via paydayloan49@yahoo.com Hello every one,
My name is Mrs Ruth I live here in USA and i am talking as the happiest person in the whole wild world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need a loan of $65,000 USD to start my life all over as i am a single mum with 2 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan lender that changed my life and that of my family, a GOD fearing lender,Bob Diamond Of PAY DAY LOAN , he was the savior GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $58,000 US dollars and i will advise any one who is in genuine need of a loan to contact Bob Diamond via paydayloan49@yahoo.com

]]> By: Mr Bob Diamond http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-41804 Mr Bob Diamond Sat, 27 Aug 2011 09:16:18 +0000 http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-41804 welcome to PAY DAY LOAN we offer loan to people on bad credit,home improvement loan, personal and business loan, student looking for financial help and to companies etc with a very low interest rate and with or without collateral. any interested one should contact us via email paydayloan49@yahoo.com welcome to PAY DAY LOAN we offer loan to people on bad credit,home improvement loan, personal and business loan, student looking for financial help and to companies etc with a very low interest rate and with or without collateral. any interested one should contact us via email paydayloan49@yahoo.com

]]> By: Earl Smith http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-41372 Earl Smith Tue, 16 Aug 2011 23:29:16 +0000 http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-41372 It took me a little while to build my credit as well. Once I started getting more familiar with how the whole credit thing worked I became more cautious as to when I paid my bills and how I paid them. I now have a new delima. My wife and I both have scores over 750 and have really good jobs. We are currently trying to purchase an inground swimming pool and cannot get a loan. Seems that every bank is wanting to use our Equity for the loans. Well, with the economy the way it is, we lost all of our equity. So now what do you do. We are at the point where we feel we work really hard for nothing. We did find a lending company but they denied us because of too many inquirees in the past six months. Not sure where that came from. We recently refinanced our home and searched around like we were supposed to to find the lowest and best rate. We were always told to inquire all in the same week and it will not affect your report. WRONG!!!! Those were the only inquirees and we still got denied. Anyone know of a pool lending company that can help people in Ohio?? It took me a little while to build my credit as well. Once I started getting more familiar with how the whole credit thing worked I became more cautious as to when I paid my bills and how I paid them. I now have a new delima. My wife and I both have scores over 750 and have really good jobs. We are currently trying to purchase an inground swimming pool and cannot get a loan. Seems that every bank is wanting to use our Equity for the loans. Well, with the economy the way it is, we lost all of our equity. So now what do you do. We are at the point where we feel we work really hard for nothing. We did find a lending company but they denied us because of too many inquirees in the past six months. Not sure where that came from. We recently refinanced our home and searched around like we were supposed to to find the lowest and best rate. We were always told to inquire all in the same week and it will not affect your report. WRONG!!!! Those were the only inquirees and we still got denied. Anyone know of a pool lending company that can help people in Ohio??

]]> By: Larry Hinderliter http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-40179 Larry Hinderliter Sat, 09 Jul 2011 01:49:49 +0000 http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-40179 I went through a bad divorce 7 years ago and found out that she had 2 credit cards in my name. This was done after the separation. I called the credit card companies and I told them that I did not sign the original forms. They said that I owed them 8000 on one and 6000 on the other. I sent them letters disputing this and they said that because at the time that they were filled out we were married and that I am responsible for the bills. They are still on my credit report. My score went from 780 to 560. I gave them her info and they told me that I am responsible for the cards should I settle this for a smaller amount and request that they remove it off my report. I really need this off my report. Please Help Larry I went through a bad divorce 7 years ago and found out that she had 2 credit cards in my name. This was done after the separation. I called the credit card companies and I told them that I did not sign the original forms. They said that I owed them 8000 on one and 6000 on the other. I sent them letters disputing this and they said that because at the time that they were filled out we were married and that I am responsible for the bills. They are still on my credit report. My score went from 780 to 560. I gave them her info and they told me that I am responsible for the cards should I settle this for a smaller amount and request that they remove it off my report. I really need this off my report. Please Help Larry

]]> By: Joe160 http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-40120 Joe160 Wed, 06 Jul 2011 05:22:58 +0000 http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off#comment-40120 Alright so between my wife and I we are about 4,500 in debt mostly medical bills. We didn't pay on most of them for over a year and now we are paying 160 a month between all 6 bills. My credit is 577. I'm trying to start a small business NOW this summer so i can save up for this winter when i get laid off. I need in between 20-30 grand to start up. What are my options? how can I get a loan for that amount with a score that crappy? Alright so between my wife and I we are about 4,500 in debt mostly medical bills. We didn’t pay on most of them for over a year and now we are paying 160 a month between all 6 bills. My credit is 577. I’m trying to start a small business NOW this summer so i can save up for this winter when i get laid off. I need in between 20-30 grand to start up. What are my options? how can I get a loan for that amount with a score that crappy?

]]>