Business Q&A

I am a vet. looking to purchase my first home in 6 month. I only need 60 points to qualify there has to be something I can do besides paying all my bills off. Can you help me???

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answer from chinatrade114.com small business QA

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Your loan amount to credit limit/opening high loan balance ratio determines about a third of your credit score. Pay your loans and credit card debts down.

If you have like 10 credit cards, close the most recent ones that you don%26#039;t use. Too many revolving accounts = credit risk.

Do not close credit cards that you%26#039;ve had opened for like 10 years. The longer your credit history, the better.

Do not apply for additional credit or loan for the next 6 months. Each time you do, it lowers your credit score.

If you have a car being paid on a car loan and you do not need it, sell it.

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answer from chinatrade114.com small business QA

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You are entitled each year to a free credit report. Go to:

http://www.annualcreditreport….

If you haven%26#039;t yet, check your credit report there for free. If you find a debt that is is charged off/deliquent, or a loan that has a high loan balance to loan limit, pay those down first. Report Abuse

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answer from chinatrade114.com small business QA

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Your credit score is based mostly on:

1. Length of credit history

2. Payment history.

3. Ratio of credit used to available credit.

4. Number of credit inquiries you authorized.

If you cancel your card, you%26#039;ll be hurting your credit ratio. (#3).

You want to deliberately keep your oldest credit card open, even if you never use it.

You want to always pay the minimums of each loan on time every month.

You want to keep your available credit high, but actually only have balances equalinig 25% or less.

You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.

You do these things and your credit score will quickly soar into the 700s.

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http://www.bestcreditrates.net

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answer from chinatrade114.com small business QA

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Have you considered using one of those authorized user tradeline programs. They are very affordable and would get you well on your way to having better credit. My mom used it and not only was able to open other accounts, but her score jumped 51 points. Check out the free evaluation form at www.totaldebtsolutionsllc.com They can help although you may want to go with 2 tradelines to ensure you get the full 60 points. Ask them to toss in a free credit repair program; they just might.

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answer from chinatrade114.com small business QA

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i do not know if this will raise it 60 points but it will defeinitely help you out. i went to http://offur.com/fixcredit , a totally free service that helps you raise your credit and create a plan to keep it up. its pretty helpful.

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answer from chinatrade114.com small business QA

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by getting good credit

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