Ok an off the wall question i have 9 neg accounts showing on my CR 0 Open good accounts I am cleaning credit up so most will hopefully come off they are all 4 to 3 months shy of 7 years But was wondering if a 50k cl cc would improve my score alot My Parents are selling me 1 of there houses and know im cleaning up my credit so i can buy house in 6 moths has value 94k im paying 40k so Father offered to make me an AU on one of his cards if it would help my score his cc are all over 8 years old never late he has an awesome score would this help or hurt me and how much?
ZERO good accounts...an AU couldn't hurt... But how much it would help is hard to say. You MIGHT get in to the low 600's...
If all your negs are just short of the seven years, disputing them all as obsolete could very well get them deleted. Unfortunately, no credit is just about as bad as bad credit. You need to establish some positive tradelines. Until these accounts age somewhat, I don't think you are going to see really high scores (although I can't make heads or tales out of how they calculate the scores). Being an AU is good...but depending on your income, being AU with a 50K line of credit may get you rejected for "too much available credit" or "credit sufficient for income". Just some thoughts. L
I only Have 2 of 9 that are comming off in the next 4 months being 7 years but the rest are 4,5,6 years old, My House hold income is right at 100k.. would it be better for a 7.5k card its 11 years old and as an authorized user it would say 11 years for me to right? any ways anything u cas sugest would help all so how would i dispute them as obsolete i have not seen any one discuss this befor?
