Help With Building Credit

Aug 292010
 

I’m new to credit building. I have a credit card w/300.00 limit. The card is only 3 months old. How much of a increase do I need. I will have to send the money in for a credit increase on my secured card.

Newbie and wanting to rebuild credit but feeling overwhelmed

Apr 152010
 

I recently pulled my credit report and am feeling a little overwhelmed at all of the information.

 

I have 12 collection accounts (1 medical) and want to start paying them off. What is the best route for paying them off? My score is 545, which is really low. I need at least a 650 in order to qualify for a land only loan.

 

Any advice would be greatly appreciated.

 

All of the collections are within SOL, that I do know.

 

Thanks again,

Jennifer

Multiple collection agencies reporting the same debt

Feb 192010
 

I am just trying to figure out if there should be multiple post’s for the same balance through different collection agencies.  The amount of the debt is totalling up, being that it’s on there three times.  Is there anything I can do about getting the old ones removed.  I can’t get ahold of the old agencies (phone numbers don’t work anymore) any suggestions???

 

Also, my husband and I were applying for a mortgage and I have a 600, they say I need at least a 620, will removing these multiples help any?!?

Have good scores, no credit cards, need help

Feb 132010
 

I have scores in the 730′s – 740′s, but I haven’t used my credit for years. Old tradelines are good, and TU report has a no-lates, 8 year mortgage on it.

 

Now I want to start building my score with an eye to a mortgage.

 

So if I understand, I need at least 3 cards, right? What kind? I’ve been avoiding this because I don’t want the hard hits. I already have 3 unauthorized hard hits on EX, and I don’t like it.

 

I need expert advice on how to do this with the least damage to my score.