Need To Improve Credit Score

Mar 222011
 

Hello Everybody,

 

Well my name is Lily and I am here because I need advice on impoving my Credit Score.

My parents are in DEBT and they are loosing our home the only hope we have is Refinancing, My father wants me to give it a try. I am the only one with a Decent Credit Score.

 

My Fico is 585.

 

The only problem is that i have credit card debt, i have never been late or missed any payments. the problem is that i have used more than my 30% on the cards.

I am carrying a balance on probably 10 cards.

 

Recently one of my dogs got sick and we couldnt affor the vet bill so i applied for several cards and i believe that had a negative impact on my credit.

 

can someone give me advice on how or what will help me  improve my credit.

 

Thank you very much.

 

BTW: My total debt is about: $7,000 (credit Cards) and i have an auto loan of ($19,000)

Am I out of options?

Dec 212010
 

As a dumb kid (19yrs old) with fairly decent credit, I allowed my mother in law to use my credit to purchase a mercedes (4/2006) with an auto loan from Americredit, it ended up being charged off. Is there anything that I can do legally (with her cooperation) to have this removed from my credit file and perhaps added to hers? Thanks.. It wont be removed from my CR until 5/2013 and I am looking to buy a house next year.. and im sure a charged off auto loan in the amount of 15k wont make the purchase of a house easy at all! thanks for any help you can provide!

I need help, I can’t win :(

Feb 012010
 

I’ve been using this site religiously for the last year and I’m proud to say that I raised my credit score from 550 to 775 across the board. I thought I was doing the right thing and that I would be able to be in a position to actually get decent credit but my **bleep** Cap1 card is holding me down. I got it when my credit was horrible and it was a secured card with a $200 limit. I’ve had it for 7 years, never been late and its not even secured anymore but my limit has stalled at $500.  I use to keep a 80% util on it just to keep the payment history up and I figured that they would raise it (since they won’t give me the option of asking for a CLI) but they still haven’t :( Now I go to apply for an Amex blue cash and a Chase Freedom and both initially declined me base on the low balance with Cap1. They don’t care that I paid off a car, no negs, pay as agreed on SL and excellent credit scores.. I called the back office of Chase and got a reconsideration approval for $500 based on the Cap1 :( I just don’t know what to do, whats the point of excellent scores if you can’t get anything with it.. Any suggestion would be greatly appreciated..

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