What are the best tricks of the trade to increase your score. Also I have as Sears account I have been disputing, no luck, I am trying to settle, they will not delete, they want $$$$ to delete and the small amount owed will only show up as a paid collection account. How can I get removed without paying outrages fees, intrest etc, also an old phone bill is on my credit report I only owe like $200, the collection agency wants $1000.00 same issue as Sears, The phone bill I question, it was my old room mate that used my SSN and DL to get a phone in his room, he no longer lives there nor do I the credit agencies said SOL..... M.K.
THE PHONE DEAL WAS FRAUD...you don't have to pay for fraud. As far as F.I.C.O. goes, HIGH CREDIT LIMIT, LOW BALANCE. THREE + YEARS OLD. 2-4 VISA/MC/AMEX/DISCOVERCARD. 1 INSTALLMENT LOAN. 1 STORE CARD. MORTGAGE. PAY ON TIME/NEVER LATE.
To George What is a high limit credit card? And keep Visas for 3 years before closing to get maximum aging?
