Comments on: 6 Tips For Bumping Up Your Credit Score http://www.myinvestingblog.com/6-tips-for-bumping-up-your-credit-score/ Teach Your Money To Think! Tue, 31 Jan 2012 21:36:00 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: ideal4investors http://www.myinvestingblog.com/6-tips-for-bumping-up-your-credit-score/#comment-1120 ideal4investors Wed, 30 Apr 2008 00:16:26 +0000 http://myinvestingblog.com/2008/04/10/6-tips-for-bumping-up-your-credit-score/#comment-1120 Dispute those errors and dispute those inquiries! I don't recognize half of the inquiries on my credit report and demand that they provide documentation that I authorized them. <em>ideal4investors's last blog post..<a href='http://idealinvestment.blogspot.com/2008/04/are-you-upside-down-in-your-property.html'>Are You Upside Down in Your Property?</a></em> Dispute those errors and dispute those inquiries! I don’t recognize half of the inquiries on my credit report and demand that they provide documentation that I authorized them.

ideal4investors’s last blog post..Are You Upside Down in Your Property?

]]> By: Carnival of Credit Report Stories, April 28, 2008 — Money Under 30 http://www.myinvestingblog.com/6-tips-for-bumping-up-your-credit-score/#comment-1125 Carnival of Credit Report Stories, April 28, 2008 — Money Under 30 Mon, 28 Apr 2008 14:17:08 +0000 http://myinvestingblog.com/2008/04/10/6-tips-for-bumping-up-your-credit-score/#comment-1125 [...] 6 tips for bumping up your credit score by Hank at My Investing Blog. [...] [...] 6 tips for bumping up your credit score by Hank at My Investing Blog. [...]

]]> By: Making Money Journal » Friday Link Love http://www.myinvestingblog.com/6-tips-for-bumping-up-your-credit-score/#comment-1126 Making Money Journal » Friday Link Love Fri, 25 Apr 2008 15:59:42 +0000 http://myinvestingblog.com/2008/04/10/6-tips-for-bumping-up-your-credit-score/#comment-1126 [...] at MyInvestingBlog offers 6 Tips For Bumping Up Your Credit Score:  This things are always good to keep in [...] [...] at MyInvestingBlog offers 6 Tips For Bumping Up Your Credit Score:  This things are always good to keep in [...]

]]> By: Jesse http://www.myinvestingblog.com/6-tips-for-bumping-up-your-credit-score/#comment-1123 Jesse Thu, 10 Apr 2008 17:03:59 +0000 http://myinvestingblog.com/2008/04/10/6-tips-for-bumping-up-your-credit-score/#comment-1123 My one caveat to the new credit thing is times where you might want to do a balance transfer to really transfer a balance or make money off of a 0% transfer. <em>Jesse's last blog post..<a href='http://feeds.feedburner.com/~r/thepennysaved/~3/267776363/'>Starbucks Vs Gatorade Vs Gas: wow</a></em> My one caveat to the new credit thing is times where you might want to do a balance transfer to really transfer a balance or make money off of a 0% transfer.

Jesse’s last blog post..Starbucks Vs Gatorade Vs Gas: wow

]]> By: Keith http://www.myinvestingblog.com/6-tips-for-bumping-up-your-credit-score/#comment-1122 Keith Thu, 10 Apr 2008 14:58:56 +0000 http://myinvestingblog.com/2008/04/10/6-tips-for-bumping-up-your-credit-score/#comment-1122 Actually you should go even further if you can with balances. 35% isn't a magic number for debt to available balance ratio. If you have less than 10% usage, you will get a better score than if you have a 30% usage. Actually you should go even further if you can with balances. 35% isn’t a magic number for debt to available balance ratio. If you have less than 10% usage, you will get a better score than if you have a 30% usage.

]]> By: TC http://www.myinvestingblog.com/6-tips-for-bumping-up-your-credit-score/#comment-1124 TC Thu, 10 Apr 2008 14:35:13 +0000 http://myinvestingblog.com/2008/04/10/6-tips-for-bumping-up-your-credit-score/#comment-1124 I am building my credit again following a bankruptcy when I was young and foolish. So far, I have been able to get little credit, and you have to have credit to get credit, it seems. I have a finally gotten a not-great credit card, but I charge exactly one bill on it and pay that religiously before the due date. This in itself raised my score from 633 to 655 in 2 months. Yippee! But now, I want to escalate that. My plan is to take the tax stimulus thingie and open a savings account, then get a personal loan for that amount and put the loan also in savings and pay that religiously, more than the minimum before each month's due date. I'm hoping that this will boost my score a little for very little cost to me (under $20 in interest, I figure.) I dunno, though. I work at the bank where I would be trying this, and I think I might just go to the loan officer and tell him that I'm doing it to raise my score. Again, i don't know. Perhaps honesty is not the best policy. Well, all that can happen is that he says no, or my little scheme doesn't help me at all. I can't think of much more to do, though. I have a house, no need to get a mortgage. Can't afford a car at the moment, and frankly, when I do get one, I will be paying in cash. Hey, maybe I don't need to raise my score!! I am building my credit again following a bankruptcy when I was young and foolish. So far, I have been able to get little credit, and you have to have credit to get credit, it seems. I have a finally gotten a not-great credit card, but I charge exactly one bill on it and pay that religiously before the due date. This in itself raised my score from 633 to 655 in 2 months. Yippee! But now, I want to escalate that. My plan is to take the tax stimulus thingie and open a savings account, then get a personal loan for that amount and put the loan also in savings and pay that religiously, more than the minimum before each month’s due date.

I’m hoping that this will boost my score a little for very little cost to me (under $20 in interest, I figure.) I dunno, though. I work at the bank where I would be trying this, and I think I might just go to the loan officer and tell him that I’m doing it to raise my score. Again, i don’t know. Perhaps honesty is not the best policy. Well, all that can happen is that he says no, or my little scheme doesn’t help me at all. I can’t think of much more to do, though. I have a house, no need to get a mortgage. Can’t afford a car at the moment, and frankly, when I do get one, I will be paying in cash.

Hey, maybe I don’t need to raise my score!!

]]> By: Vered http://www.myinvestingblog.com/6-tips-for-bumping-up-your-credit-score/#comment-1121 Vered Thu, 10 Apr 2008 14:14:47 +0000 http://myinvestingblog.com/2008/04/10/6-tips-for-bumping-up-your-credit-score/#comment-1121 We do try to order a copy of our credit reports every year, and we carefully examine them. A few years ago, my husband went through a small-scale identity theft (a single fraudulent account was opened in his name), so we are definitely aware of how important it is to monitor our credit reports. <em>Vered's last blog post..<a href='http://momgrind.com/2008/04/10/4-tips-for-protecting-your-money-in-a-slowing-economy/'>4 Tips for Protecting Your Money in a Slowing Economy</a></em> We do try to order a copy of our credit reports every year, and we carefully examine them. A few years ago, my husband went through a small-scale identity theft (a single fraudulent account was opened in his name), so we are definitely aware of how important it is to monitor our credit reports.

Vered’s last blog post..4 Tips for Protecting Your Money in a Slowing Economy

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