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topbananaboy wrote:This is the way I do it...I do apply for credit cards with annual fee + low interest...Never do I use the credit card...I just pay the annual fee with the minimum payment...It builds history of payments every month during a year... Remember the bank needs to make a little money... and you need a big score more than a little money...
bobkelly wrote:Closing an unused account used to hurt your ability to receive credit, but that advice hasn't been true since FICO scores were created. Length of credit history is a factor in determining your FICO -- the longer history, the better. Keep the old unused accounts open.
@Anonymous wrote:Hi Villarj - Where would I find a credit specialist that can look over my report and advise what to do?I have been looking and can't find this service. I read these forums but everyone seems to have a different take and at this point I am completely confused as to the best practices. I am going for a mortgage in about 3 months time and I recently had a drop in my score. I need some advice quickly.
Thank you for any guidance as to where I can find a specialist that will sit down personally with me and explain the best options.Thanks,
Um, please mentally insert a close parenthesis after "posts by their names." Far be it from me to imply that we have any wacko high-mileage posters...
haulingthescoreup wrote: Pay special attention to anything by the moderators and the veteran posters (check the number of posts by their names. There might be some wackos here, but all in all, you can't go wrong with their advice.
haulingthescoreup wrote:
.Pay special attention to anything by the moderators and the veteran posters (check the number of posts by their names. There might be some wackos here, but all in all, you can't go wrong with their advice.
haulingthescoreup wrote:Um, please mentally insert a close parenthesis after "posts by their names." Far be it from me to imply that we have any wacko high-mileage posters...
haulingthescoreup wrote: Pay special attention to anything by the moderators and the veteran posters (check the number of posts by their names. There might be some wackos here, but all in all, you can't go wrong with their advice.