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So My Scores Are Currently 706 TU,701 EX & 702 EQ & I Would Like To Get Up To Somewhere Around 750-760 I Have A Couple Cards Now As I Will Post Below:
CreditOneBank Limit $400 Balance $0
Cap One Secured Limit $600 Balance $0
Cap One Quicksilver Limit $600 Balance $0
MyJewelersClub Limit $5,000 Balance $20
I Do Have 1 Negative Account On My Report That I'm Disputing Now In Hopes Of It Falling Off. Total Negative Account Balance ($3805) Which Was A Loan For A Car In 2015.
I Don't Have Any Positive Installment Loans On My Credit So Someone Suggested Me Get One But I Really Dont Know If I Could Trust Them As There Credit Score Is Not Too Good.
Sooooooo, I Would Like To Know Since I Have Extra Cash To Play With,What Would Be Best For Me To Do That Can Either Payoff Now Or In The Long Run ? I'm Really New To This & Im Just Trying To Learn & I Hope That I Made This Post Correctly With Enough Detail 😫
Thanks Everyone & Have A Good Evening!
Getting that negative off will definitely help. An installment loan would help, you could do a CU share secured loan and then pay it down substantially once funded.
You should see an increase with the negative off but do you mind if I ask if your Jewler card is a Bank Card?! It looks like you are trying to do the AZEO method, but it works best when the balance is 8.9% or less on a Bank Card.
I would also second the CU secured loan (small amount you can just pay off in 6 months) to show installment type loan.
@Anonymous wrote:So My Scores Are Currently 706 TU,701 EX & 702 EQ & I Would Like To Get Up To Somewhere Around 750-760 I Have A Couple Cards Now As I Will Post Below:
CreditOneBank Limit $400 Balance $0
Cap One Secured Limit $600 Balance $0
Cap One Quicksilver Limit $600 Balance $0
MyJewelersClub Limit $5,000 Balance $20
I Do Have 1 Negative Account On My Report That I'm Disputing Now In Hopes Of It Falling Off. Total Negative Account Balance ($3805) Which Was A Loan For A Car In 2015.
I Don't Have Any Positive Installment Loans On My Credit So Someone Suggested Me Get One But I Really Dont Know If I Could Trust Them As There Credit Score Is Not Too Good.
Sooooooo, I Would Like To Know Since I Have Extra Cash To Play With,What Would Be Best For Me To Do That Can Either Payoff Now Or In The Long Run ? I'm Really New To This & Im Just Trying To Learn & I Hope That I Made This Post Correctly With Enough Detail 😫
Thanks Everyone & Have A Good Evening!
Is the negative car loan a legitimate debt that you did not pay? You should only dispute items that are factually incorrect for your credit report.
Put $1200 of it in a PenFed checking account and collect the $200 they are offering! Check the thread in Personal Finance for more info.
@Anonymous wrote:So My Scores Are Currently 706 TU,701 EX & 702 EQ & I Would Like To Get Up To Somewhere Around 750-760 I Have A Couple Cards Now As I Will Post Below:
CreditOneBank Limit $400 Balance $0
Cap One Secured Limit $600 Balance $0
Cap One Quicksilver Limit $600 Balance $0
MyJewelersClub Limit $5,000 Balance $20
I Do Have 1 Negative Account On My Report That I'm Disputing Now In Hopes Of It Falling Off. Total Negative Account Balance ($3805) Which Was A Loan For A Car In 2015.
I Don't Have Any Positive Installment Loans On My Credit So Someone Suggested Me Get One But I Really Dont Know If I Could Trust Them As There Credit Score Is Not Too Good.
Sooooooo, I Would Like To Know Since I Have Extra Cash To Play With,What Would Be Best For Me To Do That Can Either Payoff Now Or In The Long Run ? I'm Really New To This & Im Just Trying To Learn & I Hope That I Made This Post Correctly With Enough Detail 😫
Thanks Everyone & Have A Good Evening!
I believe you'll pick up some points if each month you let one of your Cap One cards report a small balance before you pay it off, while having the other 3 cards report a zero balance.
I don't know what you mean about using your extra cash. It sounds like you only owe $20.