fix credit score online

Bubbles asked:


My husband’s credit is a mess- I have managed to pay off all his bills. I have a large credit card we are settling and then a small medical bill- then what? How can I improve his credit score? I don’t really want him to have another credit card- he has one that’s connect to mine because he bad about adding things up…. like he keeps charging until he maxes out the card. Granted- he is charging building supplies to our new house- but he can’t budget. So he is a lot more careful with me drilling him ever week about what is on the card- he now tells me before each charge and I tell him the balance for the week. I have to tell him- no wait until next month or next pay check for that purchase.

How else can I get his credit up? House is in my name- cars are paid off……
I went through an agency to get them to lower the amount and we are paying it in one lump sum.
I use my credit cards to build up rewards- last year I paid $0 on Christmas gifts because I earned over $700 in gift cards from discover. I have 0 balance every month and do not carry over- I pay it once a week.
Don’t tell me to use cash- I love my discover card.
My credit is fine- Just HIS credit.

Travis

John Stocker asked:


Here’s how you can get great credit scores:

1. Know how to reach the three Credit Bureaus

There’s three credit bureaus – Equifax, Experian and Trans Union. The three major credit bureaus are important especially if you are going to be fixing your credit score. The major three credit bureaus can assist you by sending you your credit scoring report and guiding you how to correct errors. You can contact these agencies by email, telephone, or through the web.

2. Smoking kills your credit score

Smoking kills and sometimes it can kill your credit sore. Lets say you get health insurance. Your insurance company may ask you questions about your health. One of the questions will be about whether you are a smoker. If you are a smoker, your premiums will be higher than people who don’t smoke. Paying higher premiums on health insurance means less money towards your other expenses.

3. Collection agencies, deal with it

Most collection agencies are good at what they do. Some are great. Deal with it. People in debt feel so ashamed of their low credit rating that they feel they deserve the abuse and harassment that they get from collection agencies. A low credit rating does not entitle collection agencies from harassment or abuse. If this occurs, report collection agencies immediately.

4. Three scores

There are three collection agencies so you have 3 scores. However, the top and bottom score are generally omitted from loan applications so the middle one represents your credit score.

5. Pick a reputable credit repair service

There are numerous credit repair service agencies available. Lexington Law is by far the best at removing negative items on your credit report.



Rachel

Henri Surya asked:


Credit is said to be a system of buying and selling without immediate payment or security. Credit may be in the form of credit cards or loans. Any individual who desires to process a credit card or loan application will have to abide by the rules and regulations set forth by the lender. An important factor for any credit application to be approved is your credit score. 

A credit score is numerical expression representing someone’s creditworthiness and this score is a determinant factor. It comes up from statistical analysis from many factors including past credit standing makes. If you have a high credit score then it would be any problem for you to have a credit. Every nation has a standard credit score to follow to determine the country’s financial condition.  The United States has a national average credit score somewhere from 580 to 650. You will most likely be granted with credit requests if you have a high credit score. 

Since the credit score is highly significant for you to obtain credits as well as balance the national average credit score, there are things you must do. a. It would be better for you to consult to an expert before getting credits. Seek help from experts. Do not be overwhelmed with attractive credit offers. b. Always pay your bill in time. This would be a favorable factor in maintaining your credit score high.  c. Do survey among financial institution. Find the lowest possible interest rate offered but still give good-quality service. d.Try to consolidate your loan cause for such people this will help them to unburden them of too much paying pressure. e. Review and evaluate your credit reports. Self-evaluation of your credit report will help you measure your credit scores. Nowadays if you wish to have consultations and fix your credit reports, you can always go online and find one.  

Keeping your credit score track high will help your nation maintain a good average credit score. It is because your country credit score represents country’s current financial condition.



Marlene

sugar asked:


i have school loans that are delinquent. i’ owe 3 thousand. had them deferred, set up payment plan….still never payed back.
I Start school again in January so, I won’t be required to be paying back during that time.

I had a “care credit” card that i applied for last year for dental reasons, made payments…got behind and eventually the company asked for one last payment and they’d be done with me. I paid it.

I have no credit cards. I don’t take out personal loans, my car is under my father’s name, i have nothing under my name except my cell phone bill.

what can I do to help my credit score?

what can I do to build up credit?
should I make payments on my school loans even though it’s not required just yet?

my credit report shows my school loans and that carecredit..how will someone approve me for something when that’s there??

i know i have about a thousand questions all at once.

Nicholas