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All,
I am looking for someone who can mentor me on how to increase my credit score and my credit worthiness. I have brought myself from the brink 3 times and now I want to ask someone to help me achieve an 800 FICO. The myFICO community is a great resource but I am looking for a one-on-one mentorship.
Regards,
Trinity
@Trin wrote:All,
I am looking for someone who can mentor me on how to increase my credit score and my credit worthiness. I have brought myself from the brink 3 times and now I want to ask someone to help me achieve an 800 FICO. The myFICO community is a great resource but I am looking for a one-on-one mentorship.
Regards,
Trinity
Just make sure you keep apping to a min, Make sure util% is never above 30% and ideally around 1-9%. Should let 1 card report a Balance and the rest show as $0. Make sure you always pay in time. Also make sure you pay everything in time from bills to your rent and not just your credit cards
@Closingracer99 wrote:
@Trin wrote:All,
I am looking for someone who can mentor me on how to increase my credit score and my credit worthiness. I have brought myself from the brink 3 times and now I want to ask someone to help me achieve an 800 FICO. The myFICO community is a great resource but I am looking for a one-on-one mentorship.
Regards,
Trinity
Just make sure you keep apping to a min, Make sure util% is never above 30% and ideally around 1-9%. Should let 1 card report a Balance and the rest show as $0. Make sure you always pay in time. Also make sure you pay everything in time from bills to your rent and not just your credit cards
Also I would make sure to go through you credit report to make sure there isn't any baddies that could be holding your score down. If there are I would try to address those first.
read, read, read and... read
I would help but I wouldn't call myself an expert. If you don't mind that I would be glad to help with what i know
Has anyone on the board worked with someone to improve the FICO?
@Trin wrote:Has anyone on the board worked with someone to improve the FICO?
I haven't but just reading it helps a lot
The amount of knolwedge on these forums can help you greatly. My scores has gone up 100 points since joining. If you have speicific questions, search the forums for an answer. If you can't find an answer, ask. You'll get a lot of feedback and great advice.
IMO, this is something you have to do yourself. No one can teach you discipline and self control.
All the tools you need you already have. Get credit you can afford and pay your bills. It really is that simple. After you do this for a couple years then you can get advice on how to maximize your scores.