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should i apply for a small personal loan like around 500-1000 to bring my score up
@afbar1114 wrote:should i apply for a small personal loan like around 500-1000 to bring my score up
Short term your score would probably drop because of a new inquiry and new credit reporting.
IMO don't go into unnecessary debt just for a possible score increase.
ok thanks for the info. i was thinking if i did take out the loan pay a cc off then just make those same payments towards the loan
@afbar1114 wrote:ok thanks for the info. i was thinking if i did take out the loan pay a cc off then just make those same payments towards the loan
Yes that's an option but you didn't say that in your original post.
You made it sound like you wanted to get a personal loan just to have one. Details are very important in order to receive the most informed responses.