A little help please! Trying to raise my score.

[Anonymous]

No. I paid the account off and asked them to cancel it but they give you 90 days to change your mind - I am past that. If I knew then what I know now I would not have cancelled but that was before I found this website. I asked for a credit increase from Dell but they have to check your credit to do that, I cant have any inquires either. How badly would it hurt to have them do that and get the increase with the inquiry? Also, if I have a family member add me to one of their credit cards will that be an inquiry like applying for a card or will it just add revolving credit? I am not sure how that will effect my credit. Does anyone know how long it takes for a GW letter to go into effect?

[sunrise]

Being added to someones acct. as an AU won't last long...doesn't count in  FICO 08.

You have to be patient w/ GW's they don't have to respond at all!  Just keep sending them until you get the answer you want!

[Anonymous]

yes, and definitely make that big payment to the one high UT account. That should give you 5 pts easy. that is probably your safest bet.

[Anonymous]

i would get one of your family to put you on a cc.fico 08 is over rated. just have one of your fam put you one as a joint accounts. then when you buy the house, have them take you off. my dad has done this 4 me. just make sure the cc is at least 2 years old. and if it has a high cl, thats a plus