Credit Card Center Advertiser Disclosure

New Member
Posts: 8
Registered: ‎03-15-2011
0 Kudos

Need ideas for quick credit boost

I really need a new car. I've been going to school without taking school loans and have been working full time. . . everything was going good until my car failed smog, something that's over a 2k job to fix for the great state of ca.


I have 3 active credit cards with a 6yr history, last month I paid all of them to 50% availability but when I pulled my experian I had a 560 this month, showing that I had less than a 100 available on 2 of the 3. I used Quizel to retrieve that report.


I used to carry more credit cards but they are closed (5 of them) due to grantors request when i hit a patch in '09. None of them have balances and were paid off that year as well.


I used to have great credit before 09', a (740 trans-730 equifax) and I cosigned a car for someone. The person is unable to get the car refianced into their name, but has only been late 1 back in 07 on payments. For my knowledge now, that loan was ridiculous, but at least there's only a year left to pay it off.


Waiting isnt really an option because I need a car now, or I just dump more money into my current vechile for another 4 months (at best).

Epic Contributor
Posts: 29,450
Registered: ‎10-23-2007
0 Kudos

Re: Need ideas for quick credit boost

Capital One might finance you.

Otherwise you just have to hope your auto enhanced fico is higher since you have a good car loan for last 3 years and I would go Toyota or Nissan, they will dip down to 600 and Nissan still offers great rates that low.

New Visitor
Posts: 2
Registered: ‎03-25-2011
0 Kudos

Re: Need ideas for quick credit boost

If your negative items on your report are very few.  Have a family member add you to her credit card account.  A major credit card thats been open for a long time with no late payments and low balance.  It should help out a lot. 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.