How to raise credit score with credit cards?

How to raise credit score with credit cards?

Is it wise to decrease your credit limits on credit cards that are seldom/never used? I know not to close the accounts because it will hurt my credit score, but if I just lower my credit limit, as long as I am still under the magic 10–30% usage of my total credit limit, can that actually help? I have heard that having too much credit can be considered a negative. I am hoping to purchase a home within the next 6–8 months and I am trying to do what ever I can to increase my chances of a good mortgage rate. BTW, I have done the free credit reports, and everything is correct. I have paid off most of my credit debt over the last year, and I am currently at about 15% of my total credit limit. I do have too many credit cards (6), but I am afraid to close them outright. Of those six credit accounts, three are completely paid off and never used, the one I regularly use is paid off every two weeks, one should be paid off completely in a month, and the other is getting paid off before I start filling out mortgage applications. I also have student loans, and a car loan that I am currently paying off as well. Sorry if this is too much information, but I want anyone who can give me an answer to have the full picture. Any help is appreciated.

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Best Buy credit card?
i applied for credit and i got approved. they gave a yellow slipt but i threw it away. that slipt was like a temporary card to buy items just until i receive my credit card. Is there any way i can still make a purchase rven though i dont have the slip.
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Where can i check my credit online?
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“”My husband has terrible credit, how can he get a credit card?””
My husband’s credit score is in the low 500s due to some really bad choices in his early 20s followed by several years of denial. Since we got married he’s been doing very well with paying down his debt and paying his bills on time, but his score is still poor. I want him to get a credit card to help rebuild his credit but I worry that he won’t be approved for any card. He’s never had one before. Anyone have any advice on if he could get approved for one, or which cards he would have the best chance of getting approved for? I have excellent credit but I don’t know if that makes any difference.””
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How likely are mortgage companies willing to change due dates or payment dates?
I have 4 bills due on the 1st of the month which is a real pain since I get paid on the 30th or 31st which is last day of the month. This means my 4 bills are due the next day. I would like to see if these companies will allow me to push my due dates back about 2 or 3 days to give me enough time to actually sit down and make the payment. Luckily for me I use online payments or this would be an even larger issue if I were to have to mail a check in. Money is a bit tight right now so I am pretty much living paycheck to paycheck so I dont have the opportunity right now to pay them in advance, I have to wait until my check comes in before I can make my payment. One of the payments due is my mortgage and they dont tend to fart around with things like this, so I am wonder if anyone knows if National City Mortgage will in fact move my due date back 2 or 3 days. GE Online Service are the other two and Nationwide Insurance is the last one that all need to be moved. Think it can be done?””
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Is Credit Guard of America a reputable credit counseling company?
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Closing day postponed due to mortgage company not having things ready?
Help! I am a first home buyer. I had my closing date schedule for last Wednesday but the mortgage company realized that some information was missing in some of the papers two days before closing and when they were trying to put everything together they couldn’t have it on time, part of the reason was Hurricane Ike. They seemed to have everything ready before the hurricane, then life turned into a chaos for everybody for a couple of weeks, when the mortgage company returned to their office (4 days before closing) they realized that they were not ready for my closing, for example: my verification of employment was not filled out completely by human resources and when the mortgage company caught on this they tried to contact human resources and they were NOT working because they didn’t have electricity. I actually fixed this by meeting someone from work authorized to sign this kind of paper and somehow I was able to enter the building that had a closed”””” sign (a few people were already working) so that I could fax it from there. I thought that we were going to be ready after this””
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How can I find out if someone in San Francisco has declared bankruptcy?

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Getting an auto loan from my bank?
I don’t want just any car. There is a specific one I am looking at that I cannot get for 8k
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#repost

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Do the major 3 credit reporting agencies have?
the same info, what is the difference if any, and is there a legit place to get your own info from all 3 at the same time. I am stressing legit.””
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#repost

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Credit report?
I am trying to pay off all debts on my credit. Where can I get a report showing the bad debts on my credit and the numbers and\or addresses to pay them off. I have found a million sites that offer this but all make you start a trial of something. I dont want a trial of anything. I would just like to pay for the report and be done with it. Anyone know where I can get this?
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What would likely be the best way to refinance an auto loan?
My husband bought a car before we were married and received an ungodly interest rate due to his poor credit, at the time. We would really like to refinance it. Here are a few things to consider: — I just bought a new car in my name only (excellent credit; the new auto loan is the only debt I have in my name) — His credit is not as bad is it used to be, but not excellent (his personal debts are student loans and his current auto loan) What would likely be the best way to refinance? — In my name only, even though I just bought a car in my name? — Refinance jointly, with both names on the loan? — See if he can refinance under his own name? I know his rate would not be the best but ANYTHING would beat what he has now. TRUST ME! Thank you in advance!””
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How much would I pay monthly for a 18k car?
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“”Free Credit Report Online — I need something free, instant and easy. What is the best site?””
Hi, I am looking for a free credit report online. Preferably a service which provides instant results and is easy to understand. Can anyone recommend the best site to use? Something like a free credit report comparison would be awesome or even just somewhere that I can get more information about free credit reports. Many Thanks!””
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I am looking for a legit emergency cash loan.I have been off work for 2 weeks with the flu?
Trying to get caught up on my bills
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Whats a really good quick loan place?
hi i just bought a couple businesses and it really drained all my money! lol i have bills due and i cant pay them yet until i start getting money in. i really dont want tons of killer late fees and i dont want my credit to go really bad. i need a little money quick!! and i dont really want to do a payday loan because u endup paying double what u borrowed! anyone have any suggestions on where i can turn? help a young mom out! =) thanks!! btw i have good credit. i always pay everything back pretty dang quick….
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#repost

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Does anybody know the lyrics to the freecreditreport.com commercials?

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Can H&R Block’s emerald card seize my income taxes for a previous year owed?
My husband and I had our tax return put on H&R Blocks emerald card last year. We were unaware that the IRS was going to seize them due to my student loans. I now owe that company $3000.00. I have called and tried to make arrangements with them, but they want a ridiculous amount up front and want the debt payed off in six months. We live paycheck to paycheck and just don’t have that kind of money sitting around. I am going to pay them, but I need my taxes to come up with the initial payment. I believe the company holding the claim is HSBC. If I were to file my income taxes directly with the IRS and have them mail me a check, can they seize them before I get them? I’m going to pay this debt, I just don’t have as much as they are asking for at this time. Is it legal for them to ask for such a large amount and not be willing to take what I can give them. I told them I could afford to $50 — $75 a month. They were unwilling to agree to those terms. I thought if you were making an effort, they had to accept it. Please if anyone knows about this situation, let me know what’s what. I have never had to deal with anything like this. The company that holds my student loans was very cooperative. They let me set the amount I could afford to pay them. I can’t believe that if I’m making an effort they can be so difficult. Thank you very much for your help in this matter.””
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Advice on leasing a car?
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In NC what is the best and least expensive GRANT finders to buy a home being disables?
I want to buy a used house with the help of Grants and I need assistance finding Grants.
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Has anyone used a document preparer to prepare their chapter 7 bankruptcy and then filed it them self?

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Whats a really good quick loan place?
hi i just bought a couple businesses and it really drained all my money! lol i have bills due and i cant pay them yet until i start getting money in. i really dont want tons of killer late fees and i dont want my credit to go really bad. i need a little money quick!! and i dont really want to do a payday loan because u endup paying double what u borrowed! anyone have any suggestions on where i can turn? help a young mom out! =) thanks!! btw i have good credit. i always pay everything back pretty dang quick….
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I Need a loan anyone know where i can get one?
im 20 and dont have the best of credit rating so the banks no good im not worried about paying it back as im not going to thanks
“How to raise credit score with credit cards?

Is it wise to decrease your credit limits on credit cards that are seldom/never used? I know not to close the accounts because it will hurt my credit score, but if I just lower my credit limit, as long as I am still under the magic 10–30% usage of my total credit limit, can that actually help? I have heard that having too much credit can be considered a negative. I am hoping to purchase a home within the next 6–8 months and I am trying to do what ever I can to increase my chances of a good mortgage rate. BTW, I have done the free credit reports, and everything is correct. I have paid off most of my credit debt over the last year, and I am currently at about 15% of my total credit limit. I do have too many credit cards (6), but I am afraid to close them outright. Of those six credit accounts, three are completely paid off and never used, the one I regularly use is paid off every two weeks, one should be paid off completely in a month, and the other is getting paid off before I start filling out mortgage applications. I also have student loans, and a car loan that I am currently paying off as well. Sorry if this is too much information, but I want anyone who can give me an answer to have the full picture. Any help is appreciated.

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Can i get abroad education loan with agriculture land?

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(Ireland) How do you find what your credit score is?

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Is using a fake credit card illegal?
Well i am 14 and i found this web sight that talks about the luhn formula”””” for forming valid credit cards. I thought that it was a ton of bull and tried it. To be honest””
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“”Can you get a home loan without a home inspection? What would the proper term be for the loan As Is””””?””””””
We are looking at a older home that we already know the problems with it, but we can’t do any work on it until we buy it. We are trying to figure out if we can get a loan for the house then fix it up once we have it. The house and property are valued somewhere around $113k and we can get it right at $40k. The house will not pass a home inspection prior to the sale.””
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“”In monopoly if you have 3 railroads, 1 morgaged that only counts for 3 rail roads right?

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People that filed bankruptcy…After the 10 years were you able to get a job in finance?
I am 3 years away from graduating from a degree in accounting and at that time my bankruptcy will drop off my credit report. I want to know if it is possible for me to get a job at that point and time?
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NEED 500 DOLLARS FaST!!!!?
On sunday the 24th of Feb. I am buying a 2000 chevy malibu ls for 3000.00$. And I only have 2500.00$ and my brother was going to let me borrow 500.00$. But he checked over his bills and stuff so he figured he couldnt. I own a xbox elite and I was going to pawn it but that is really the last thing I want to do!! I know most of you are going to say get a job but I wouldnt even get paid by sunday. PLEASE HELP Thanks Playerntucks
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“”If I file for bankruptcy, when could I possibly be able to purchase a house?””
I have just lost my job and we have too many medical bills & are in debt too much. I would like to go back to school but can’t afford to pay the bills back & go to school…I would also have to find another job. We don’t want to jeopardize a future in getting a house, but would like to know, if we filed for bankruptcy, when could we possibly be able to have enough credit to get a house? We live in California.””
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What are your thoughts on Bankruptcy? How was your experience?
Thinking about all the new bankruptcy cases now that our economy has gone down the drain, I’m sure allot of people who had no way out filed. If you have filed in the past, how soon did your credit recover? How do you rebuild your credit? What do you recommend for those thinking about filing?””
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Are there really any true payday loan sites on the web?
I have been searching and searching for a payday loan, but the problem I am running into is either they state at the bottom of the page: *The operator of this website is not a lender.* or they don’t state it and then they send you to another lending site that says the same thing. I have only found two so far, but I don’t meet the requirements. The two I found want me to have had my checking account for 2 years or more, and they want me to have had my address for 2 years or more. “”
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CO. names free credit report score?

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Filing for Bankruptcy?
I am a 22 year old student, who has acquired a ton of debt. I have recently begun to research how filing for bankruptcy would affect me. I have no clue on what to do and I just need some advice.””
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What does my credit score need to be to get competitive mortgage and auto loan rates?
Is there a magic number? Is it 650? 750? What should I use as my benchmark for being ready to apply for financing? I’ve done a lot to repair my formerly blemished credit history and would like to know when I should feel confident again.
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Is 900 good credit score?

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Can my wife file for Chapter 7 bankruptcy if I filed prior to us getting married?
I filed for chapter 7 bankruptcy over a year ago. I know that once you file, you can’t for another 7 years I believe. Well, I just recently got married and my wife wanted to know if she could file on her debt or if we’d have to wait another 6 years before doing it since we are now married?””
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What happens if you don’t pay back student loans?
To the person who said we are the greatest country. You ask what other country would lend me the money to do this, well there are quite a few countries in which wanting to go to school is a right and you aren’t charged for it. Do some research.””
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What does Scheduled Balance mean in my Home loan info?
I was just going through all our Home loan stuff. I came across the Scheduled Balance and it is different then the actual balance. Am I correct in thinking that if we had kept going with the agreed repayments that is where our home loan should be? Because there is a BIG difference.
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With a FICA score in the high 700 range can I find any low interest auto loans and what might that rate be.?
Toyota is not offering incentives on the Camry Hybrid. Can the dealer secure a low interest loan for me through another source? What rate could I expect?
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#repost

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#repost

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#repost

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Where do I go for the free credit report the government gives out?

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Should I hire any agency to get my free credit report or I should not?
There are stories about scams agencies those should be avoided.
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How to take off bankruptcy on my name?
I tried to open a bank account today but was decline because the bank found Banckruptcy Information registered on my name. I havent filed for bankruptcy but I am on IVA. Can I take this out on my name and are there any banks that I can open an account. thanks
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Can I open up a best buy credit card with no credit when i turn 18 in a month?
I’m looking to take advantage of the 18 month no interest policy at best buy so I can purchase a laptop for college next year. Im looking for about a 1200–1500$ credit line so i can purchase a macbook. Now my question is would I get anywhere near that with no credit? And would i get approved? Also if I were to get denied if I had someone cosign for me would that raise my credit line if need be?
“How to raise credit score with credit cards?

Is it wise to decrease your credit limits on credit cards that are seldom/never used? I know not to close the accounts because it will hurt my credit score, but if I just lower my credit limit, as long as I am still under the magic 10–30% usage of my total credit limit, can that actually help? I have heard that having too much credit can be considered a negative. I am hoping to purchase a home within the next 6–8 months and I am trying to do what ever I can to increase my chances of a good mortgage rate. BTW, I have done the free credit reports, and everything is correct. I have paid off most of my credit debt over the last year, and I am currently at about 15% of my total credit limit. I do have too many credit cards (6), but I am afraid to close them outright. Of those six credit accounts, three are completely paid off and never used, the one I regularly use is paid off every two weeks, one should be paid off completely in a month, and the other is getting paid off before I start filling out mortgage applications. I also have student loans, and a car loan that I am currently paying off as well. Sorry if this is too much information, but I want anyone who can give me an answer to have the full picture. Any help is appreciated.

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“”Onkyo, Sony, Yamaha or Pioneer as best AV receiver?””
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“”Can afford a $380,000 house?””
i am taking home economics in school and have to do a project on a future life, just vaguely to start off, if i make $120,000 a year, would i be able to afford a $380,000 house? most websites want social security numbers and want to send me like a legit mortgage thing, i just want an estimate from anyone that thinks they would know.””
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#repost

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#repost

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“”I have $85,000 in medical bills, i have paid 45,000 + some credit card debt, should i file bankruptcy?””
last year my wife changed careers, we risked no insurance for 2 weeks, i had a heart attack in those 2 weeks, almost $120,000 i am doing ok, i have depleted our saving, sold my 57 nomad, and cashed in my life ins., to pay the bills. these wolves still call everyday wanting me to increase my payment(to over $400 i have 2 different bills wanting this much) i cannot afford this””
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Can i lose my 1st position tax lien interest and principal if the owner files for bankruptcy?
please provide source
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Loan Advice?
I need cash quick like by tommorrow. Does anyone know anything about these payday loans that get deposited into your account overnight? I am a little nervous about this so any advice would be helpful. Thank You
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Unsecured personal loan with poor credit?
where can i get a personal loan for about 15,ooo with poor credit, i have a good job””
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Who is the better lender: Quicken Loans or Ditech?
Who should I choose for a home loan: Ditech or Quicken Loans?
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Does Visa or Mastercard (Canadian) work in Havana Cuba?
I’d like to know if a Visa will work for purchases at any places in Havana Cuba and mostly…has anyone used a Canadian visa card for cash advances in Havana? The Visa machine locator”””” service online contains no information for Cuba””
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How do i build credit?
hi..im 19 years old and i do not have credit..i tried applying for a kohl’s card and also a victoria secret card but ive been denied…ive never had credit before and was wondering what is the best way to build credit
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#repost

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Credit Report Websites?
Where can I get an online credit report and score for free online without all the trial only membership schemes?
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Can i get a loan for a deposit for a mortgage or would the bank never allow that?
basically i dont want to have to wait to save up for the deposit i need because that could take like a year and im not a patient person and the money would just be to easy to spend sat in my account lol so i was wondering if banks allow a loan for a deposit on there mortgages or would they not allow that as it would interfere with your annual sallary?
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Should i file bankruptcy?
I have a 93 acura legend with 245000 miles on it however i still owe like 3500 on it. I i have been trying to get a newer car but because of my credit being bad I its been hard. alot of places dont want to trade in my acura. Should I file bankruptcy and start all over? I have alot of medical bills and in debt about 12000 due to a family member using my identity and my ex boyfriend wrecking a car that i owe 7000 on.
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The correct way to pay off auto loan quickly.?
Credit. Payed off. Now on to auto then school loan. I’ve heard to just make a larger payment every month and…Or to send in regular payment and then week later extra money so the extra money doesn’t get put to interest. Which is correct?
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Anyone know a legit website that is free to your check credit score?
I meant to say FICO score.. Does anyone know legit websites for free for FICO score? I remembered before Wamu offered it but it’s no longer Wamu.
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What are the primary and co-borrower options on an auto loan (in Texas)?
My best friend (who is now my boyfriend) is in a conundrum of sorts. In his last relationship (in which he was engaged) they bought a car together. Her credit was not (and from what I understand is still not) good enough to get a new car financed without a terrible interest rate so he was the primary borrower (large income, great credit) and she became the co-borrower. Here we are about 1.5–2 years into the 6 year note (I believe) and she has been constantly late paying for her car. Right now it’s about 3 months late (and has been that late before) which I believe is in repossession territory. What are his options? She wouldn’t agree to have it financed in her name alone because the interest would make her payment sky-rocket. He won’t pay it himself (even though he did in the past after they first broke up) for reasons I don’t know. What I’m looking for are his rights”””” and what action he can take. My suggestion is for him to pay for it””
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Personal Auto Loan Question?
I bought a car from a party and they also said they would finance the car for me. Now I feel like the guys trying to rip me off always claiming this is due and that is due for taxes, tags etc. When I get annoyed and tell him I’m fed up with this he says fine I’ll just report the car stolen to the authorities and let them deal with it. Can he do this even if we have a signed contract with both of our drivers licenses under the contract and signature? The car is insured by me. Can I get in trouble if he reports the car stolen? The contract clearly states that I am taking posession of the car and I am to make payments monthly. I also haven’t been a day late on a single payment and have the records to prove it.””
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What is a good credit card to start with fresh out of high school?
I want a card to help build my credit and I want something that won’t have too many fees and hidden details.
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What are the best Auto Refinance companies with low interest rates?
what are the best Auto Refinance companies with low interest rates
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#repost

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How can I consolidate payday loans in Texas at store fronts ?
I have both types of loans, online and at the stores. How can I find the best solution to resolve this problem. Step one and so forth?””
“”
“”If your credit score is between 636–670, is that good?

“How to raise credit score with credit cards?

Is it wise to decrease your credit limits on credit cards that are seldom/never used? I know not to close the accounts because it will hurt my credit score, but if I just lower my credit limit, as long as I am still under the magic 10–30% usage of my total credit limit, can that actually help? I have heard that having too much credit can be considered a negative. I am hoping to purchase a home within the next 6–8 months and I am trying to do what ever I can to increase my chances of a good mortgage rate. BTW, I have done the free credit reports, and everything is correct. I have paid off most of my credit debt over the last year, and I am currently at about 15% of my total credit limit. I do have too many credit cards (6), but I am afraid to close them outright. Of those six credit accounts, three are completely paid off and never used, the one I regularly use is paid off every two weeks, one should be paid off completely in a month, and the other is getting paid off before I start filling out mortgage applications. I also have student loans, and a car loan that I am currently paying off as well. Sorry if this is too much information, but I want anyone who can give me an answer to have the full picture. Any help is appreciated.

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Free instant credit reports?
where can i get that? i want to get free instant credit report. I heard i can get it for free. How?
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Help with loans question?
Could someone please help me with this question? The smith family buys a car for $38000, paying a 10% deposit and taking out a loan for the balance. If the loan is over 5 years with interest of 1.5% monthly, find the amount of each monthly loan repayment. Thanks in advance :).””
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“”Dealership was to replace my vehicle with newer, less mileage and warranted vehicle/my approval no out of pocket to me. now reneging.?

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Too bankruptcy or not too bankruptcy?
Ok, after many months of fighting and battling trying to keep my families head above water, i believe its a losing battle. So how bad is bankruptcy? I mean we did figure it out that if we cut everything(cable,cell phone, any entertainment) after a couple years we could have some breathing room. Now I do have a new baby in our life so its not going to get any easier. I know how much and for how long they say it affect you but I have also heard that you can get over it in under a year with creditors. I guess its just affected me mentally,emtionally, and also physically so much that I don’t think I can take it. What should I do?””
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“”Credit report Score 601, good or bad?

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“”I have an auto loan with 17% interest rate ,what can i do to lower this,any insight int his matter would be ap

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Bankruptcy and student loans?
Hi, This past year I applied for and received a bankruptcy discharge for medical and credit card bills. I have student loans (both federal and private) in excess of 100,000. My bankruptcy attorney said that my loans were not dischargeable. However I did read that some student loans can be dischargeable if it would cause an undue hardship. Given that my monthly payments will be in excess of 1000 and I have a job that only pays 39,000 yearly, and am already having trouble paying the loans, could this be considered undue hardship, or is the law so strict that I pretty much have no hope? Thank you””
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What is the easiest way to file bankruptcy?

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#repost

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Is 650 a good credit score when buying a home?

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If you have bad credit can you still open a checking account in bank of america?
i have a checking account with Wachovia but after Direct Tv charged me $200 dollars for cancelling services i want another account But can i still open a checking account in Bank of America?
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What kind of auto loan terms can I get with 641 score and 3 years of good credit history?
I want to purchase a $9000 vehicle (after taxes I’m estimating it will be around $11,000). It’s a 2002 Mercedes ML500. What kind of loan could I get if I have a 641 credit score, had a job for 2 years (but just changed a few weeks ago). I make 23,000 a year and have about 35,000 debt. Most is deffered as they are school loans. Part of it is an 18,000 car loan in my name but it was for my mother (still owe 14,300). What kind of loan can I get with this kind of credit and what lender would be best? I only have 3 years of history with all on time payments and no negative marks. Thanks!!””
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If i order a pizza online can i use my credit card?
like if i order one from pizza hut or domino’s can i and have it delivered so it all ready paid for also can i call them and use my card when they delivery and not use cash
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How exactly do I use my credit card to pay for papa johns pizza?
Do they bring a machine to swipe my card with when i order online?
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“”What does unrated’ on pay status mean? Is it good or bad?Concerning a credit report?””””

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VA home loan and termites?
Where to start….. My husband and I are in the process of purchasing a home built in 1962. The home is all brick, upgraded windows, newer roof and AC, plumbing was re done in 92'. We had our home inspection completed today along with a WDO. The inspector found evidence of past termite damage that had been drilled out”””” as well as some small amounts of wood rot under the master bath (easy fix(has a leaky shower head)) basically there was damage but no current infestation will this disqualify us from getting our VA loan?????””””””
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#repost

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Capital One Auto loan?
I receive the capial one auto loan Blank Check. The loan is in my name only. I will be purchasing the auto for my son but the loan is in my name only. Capital one web site states you have to make at least $1800 a month before they will give you an auto loan and my son does not make that a month. My question is when we go to purchase the auto, can I just go ahead and put the car, registration and tags in his name even though the loan is in my name only.””
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Is this a scam? not sure if it is?
I got a call at work.stating I owed $506 dollars from gti holding and threatened to tell legal action unless I paid today. I swear I never got anything from that company. Is this a scam?
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Can you pay for a hotel room in cash?
i’m about to go to chicago with my boyfriend and friend for the weekend just for fun. total=2 females (21, 20), 1 male (21) how do i actually get the room? i’ve never booked a room by myself before and a lot of these hotel sites say you need to be 21. i’m 20, and in charge of this whole trip. i don’t have a working credit card or checking account right now. do i need to open one to reserve the room? could i just pay cash when i get there? should one of my friends reserve it since they’re older? or should i just use someone else’s credit card and give them cash to reserve it? (but would that be a problem if their name is on the card when i’m trying to put it in my name?)””
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Loan sharks please help me so i can keep my children?
hi i need help finding very hard for someone to help me without it being a scam or wantin money off me which i havent got.I am looking for 6,000 but my deadline is 4 p.m i know what im getting myself into so do not judge me you are not in my situation i live on my own with 4 lovely children and if i cant get help i will loose them to there dad PLEASE CAN ANYONE HELP ME i will have no problems repaying it back just i need to get help to get there and i will be able to have a great christmas with my children i live in the uk in wales even if someone can come to see me i will acept that please can someone help me save my children and keep a roof over our heads PLEASE .””
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Free Credit Report .Com?
I keep seeing this commercial and ads everywhere for Free Credit Report.com””””…My question is; Is it really safe to use this company to check out your credit score online? I mean””
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Can you get an auto loan for an older vehicle?
My 2002 Montana is just getting too expensive to keep up with. I really want a 2006 Dodge Grand Caravan with 85000 miles on it. Will a bank give me a loan for a vehicle of that age and mileage? Credit won’t be a problem, but where should I try to get the loan?””
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Are any of those credit repair companies legit?
Like the people on the internet that want to help dispute and repair your credit? I already tried disputing several things myself, went to freecreditreport.com and such and tried disputing things myself but it didnt work.””
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#repost

“How to raise credit score with credit cards?

Is it wise to decrease your credit limits on credit cards that are seldom/never used? I know not to close the accounts because it will hurt my credit score, but if I just lower my credit limit, as long as I am still under the magic 10–30% usage of my total credit limit, can that actually help? I have heard that having too much credit can be considered a negative. I am hoping to purchase a home within the next 6–8 months and I am trying to do what ever I can to increase my chances of a good mortgage rate. BTW, I have done the free credit reports, and everything is correct. I have paid off most of my credit debt over the last year, and I am currently at about 15% of my total credit limit. I do have too many credit cards (6), but I am afraid to close them outright. Of those six credit accounts, three are completely paid off and never used, the one I regularly use is paid off every two weeks, one should be paid off completely in a month, and the other is getting paid off before I start filling out mortgage applications. I also have student loans, and a car loan that I am currently paying off as well. Sorry if this is too much information, but I want anyone who can give me an answer to have the full picture. Any help is appreciated.

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