party planning, atlanta asked:
im trying to boost my credit score up to an 800 or as high as i can get it, and i know credit cards are the way…but whats a good company to go with, or who has the best offers for bad credit.
Helping People Fix and Maintain Credit
im trying to boost my credit score up to an 800 or as high as i can get it, and i know credit cards are the way…but whats a good company to go with, or who has the best offers for bad credit.
Helping People Fix and Maintain Credit
April 3rd, 2009 at 7:55 am
CreditMechanics.com
I wouldnt suggest any of them. I would go with an unsecured credit card with my bank or credit union. Get a credit line of $300-500, and only use 1/3 of that. Pay it off, and that should boost your credit score up.
April 5th, 2009 at 1:35 pm
Credit Mechanics
Assuming you have no credit card debt right now, I would suggest an American Express Card, since you MUST pay the balance off every month. This will ensure that you don’t get into debt, and your credit report will reflect that you can make payments responsibly. Use caution when getting credit cards…never carry a higher credit limit than you feel you need. Sometimes having too many open lines of credit available to you can negatively affect your credit score. Check the available amount of credit on your cards periodically – sometimes credit card companies will increase the amount of credit available to you. I have had to call a couple of credit card companies and ask them to reduce my credit line when I saw they had raised it to $9000 or $10,000 – I am never going to put that much on a credit card!
Anything that you make payments on will help your credit…buying furniture, a used car, a computer…as long as you are always on time with the payments…and if you can pay MORE than the min due in order to pay the loan off early, even better!!
My credit score is currently 802 and my husband’s is 798. My 1st credit card at 18 yrs old was American Express.
April 8th, 2009 at 6:05 am
Credit Mechanics
well, you got SOME replies but here’s some great reading, might take you a while though:
if you get any luck please don’t forget about me lol, hope it helped you!