Re: Re: Re: How do you raise scores from 400s t louey, You asked "How do you raise scores 400's to 700's" Did I answer your question O.K? Sorry about the insults and flame-throwing, I guess I disrupted the "flow of things" on this board. I know there was nothing new to what I told others so far. When someone is able to successfully delete every account and all public information on all 3 reports they also delete the age of account information. I have several credit reports of others in their early 20's in front of me right now. Many of them do not have negative information on them but their credit history is short, zero to a few years. Do you know what the top negative factor is besides balances? TIME!!! I could show them my credit report which is filled with negative items and Bankruptcy and my FICO score is higher than many of them, is that fair? My 2 top positive factors are #1 balances to credit lines #2 Age of credit history. I personally could care less about a very low A.P.R because I do not carry balances. In my personal situation I do not need to go in debt again after filing Bankruptcy, lived and learned. If you are in need of a mortgage someday the FICO will be the key. You will need to have a down payment and for your balances to be low. Most importantly get the past mistakes behind you and do not get in debt again if possible. Anyone that had credit problems in the past made financial mistakes whether it was their fault or not. I guess one way to look at it is if you were to achieve a fixed A.P.R of 6-9% on a credit card more power to you but carrying balances on reports hurts no matter what the A.P.R is. The balances are still debts you must pay back again. I hope this post is not insulting or throwing flames. I'm sorry if these simple tactics disrupt the flow of things and if I spelled a word wrong excuse me I had a 12 hour workday today. Keep it simple and remember a FICO score is just a score that determines the chances of one going bad within the next two years.
Re: Re: Re: How do you raise scores from 400s t LKH, Psychdoc, and SoParkDiva do get it and understand 100% fully!!! A lot of people could come here after credit problems and Bankruptcy and take ALOT of time to learn and fix things to get a clean credit file again. The downside could be for alot of other people is that they will not ever learn from their past credit mistakes and do it all over again. #1 credit so bad they need to file Bankruptcy, #2 They 100% clean up their credit files #3 They go out and do it all over again because they didn't learn. All of those that learned from their past mistakes and can handle their own that's fine. You really can not file a chapter 7 again until 6 years have passed. What I am trying to say I guess is that someone could really get themselves in a hole again after going through it once and finding another way. I am really sorry LKH for the past posts but needed a way to show "a new way" which is very old to prove my point. These "new" ways are only to not get others in trouble AGAIN. Remember credit and debts are not a game!!!!!
