I recently started rebuilding my credit. I have gone through and cleaned up all the negative info on all three reports I have had a new credit card for the past 4 months and always pay on time and keep the balance very low. What should I do next? My score has gone from 470 on 4-16-10 to 646 currently.
Aug 092010
Apr 012010
Just bought our house 3 weeks ago and needed a new water heater. I saw online that purchases over $299 are no interest if PIF in 6 months. We always pay in full so I thought why not and pulled the trigger. Got instant approval online for $1250.00. I live in NM and they pulled EQ with a MyFICO of 737, lender pull of 756, just in case anyone else wanted one. Card is backed by Citi.
Mar 092010
Hey all! Â So I have been on this journey for a year and while my equifax score has gone up (635 to 682) my TU score hasn’t budged! Â I have 1 medical collection from 2006 ($53 paid), a HELOC that is almost 100% because it was part of my original home loan and short credit history (longest account 7 years 8 mo). Â Other than that, I have a perfect payment history. Â I can’t seem to figure out what to do!
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I have 1 credit card I use and pay in full monthly, a mortgage that I always pay, a car loan I always pay, a student loan I always pay and thats it! Â Any ideas?
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THANKS!Â
Feb 222010
SM did a soft inquiry on my TU report back in Oct 2009. What would the reason for this be? I have a student loan with them that I always pay on time. Why are they doing soft pulls?