[TonyPhizzle]

My score is pretty low. Any advice on how to improve my score if I can open a credit card?

[POISON]

Get a job.

[thechaoz]

Goggle it. Basic shit.

[grease lightnin]

First pay any outstanding collections/judgements/public records, then make sure you are current on all credit accounts. Then, get a c redit card, use the card and pay the entire balance off monthly.

[jjgold]

Greaser hit it on the head


Most gamblers have terrible credit scores

[sportsguy04]

Paid off some ************ lately. Credit scores jumped 100 points.

[stevenash]

^
Yeah, pay the monthly bills on time.

[MickeyMan]

Once you accumulate over 1000 betpoints it will start to go up

[SamsNCharge99]

pay your bills

[jjgold]

Lol

Asking that question

[pattymayo]

First pay any outstanding collections/judgements/public records, then make sure you are current on all credit accounts. Then, get a c redit card, use the card and pay the entire balance off monthly.

You don’t even have to pay the entire balance off monthly. As long as you pay your previous month statement in full each month you will avoid interest and your score will go up after doing this consistently for 6 months or so

[HotStreak]

Gamble more

[DiggityDaggityDo]

You don’t even have to pay the entire balance off monthly. As long as you pay your previous month statement in full each month you will avoid interest and your score will go up after doing this consistently for 6 months or so

But your score will go up higher if you pay the whole balance.

[Mr KLC]

The hell with focusing on building credit. Cash talks. Pay cash for everything. Haven't had a car payment in 20 years. I do have a mortgage, but had $40,000 cash to put down on it. Don't eat out except for special occasions. Use coupons like they are out of style. Buy gift cards at Kroger to pay bills like Cricket, Netflix, Hulu, etc. to build gas points. Haven't paid more than 9.9 cents a gallon for gas since Kroger allows unlimited points at the pump.

[RudyRuetigger]

get a bunch of cards but make sure no annual fee...dont use them


that helps alot


your total amount used will go down, a high number of cards is good

your date of credit will drop, but with the 2 above itll help you more than hurt

just make sure you can actually get the card when you apply

[pattymayo]

Don’t underestimate your credit utilization either it’s just as important as paying your bill on time

Card companies hate when you eat up 70% or more of your balance each month even if you pay it off

Worthwhile to have a few cards and spread out your balance aiming for around 30% utilization on each

[RudyRuetigger]

Don’t underestimate your credit utilization either it’s just as important as paying your bill on time

Card companies hate when you eat up 70% or more of your balance each month even if you pay it off

Worthwhile to have a few cards and spread out your balance aiming for around 30% utilization on each

thats what i was talking about bro

[pattymayo]

The hell with focusing on building credit. Cash talks. Pay cash for everything. Haven't had a car payment in 20 years. I do have a mortgage, but had $40,000 cash to put down on it. Don't eat out except for special occasions. Use coupons like they are out of style. Buy gift cards at Kroger to pay bills like Cricket, Netflix, Hulu, etc. to build gas points. Haven't paid more than 9.9 cents a gallon for gas since Kroger allows unlimited points at the pump.

Dumbest post. Makes no sense to me why someone would pay cash for everything.

Get a credit card that offers 1.5 or 2% cash back on all purchases. Put all of your purchases on that card. Pay it off in full each month, you will not pay a cent of interest and you’ll earn thousands in cash back each year. They are basically paying you to use their card every day.

[ApricotSinner32]

They only give credit to people who are profitable to the banking industry. If you have good credit you probably get raped via interest all the time.

[RudyRuetigger]

They only give credit to people who are profitable to the banking industry. If you have good credit you probably get raped via interest all the time.

what a clown show

[Ph q all]

Find yourself a blue hair with a lot of money and no children of her own. And it will help if she has a bad ticker.
Load up on ecstasy and viagra and take her for a wild ride. However I forgot to mention you need to marry her 1st so you can get her inheritance....the reason why you want to find one with no kids is because you don't want them to try to come after your newfound fortune. BOL

[ApricotSinner32]

what a clown show

Care to respond?

[jjgold]

Banks thrive on people with bad credit

Enormous interest all
Types of loans

[RudyRuetigger]

Care to respond?

if you want a junk care, or even can afford to pay in cash for it...good job


what are you going to do for a house?

wait til you inherit something?

you will need insurance i assume which involves your score as well

[JAKEPEAVY21]

First pay any outstanding collections/judgements/public records, then make sure you are current on all credit accounts. Then, get a c redit card, use the card and pay the entire balance off monthly.

bingo

[ApricotSinner32]

if you want a junk care, or even can afford to pay in cash for it...good job


what are you going to do for a house?

wait til you inherit something?

you will need insurance i assume which involves your score as well

Insurance is not necessary. Mortgages are not necessary. Financing consumer goods is for slaves. Buy what you can afford. If you have the finance it you can't afford it.

[Hu$tle]

Does APR even matter if you pay your bill off on time always? Dont even know what mine is. Do you negotiate for lower?

[stevenash]

Find yourself a blue hair with a lot of money and no children of her own. And it will help if she has a bad ticker.
Load up on ecstasy and viagra and take her for a wild ride. However I forgot to mention you need to marry her 1st so you can get her inheritance....the reason why you want to find one with no kids is because you don't want them to try to come after your newfound fortune. BOL

Also helps if you have an 8” rooster and know how to use it.

[RudyRuetigger]

Insurance is not necessary.

good luck with any business you own

or do you want to work for the man all your life?

[pavyracer]

Pay off your debts. Best way to raise your credit score.

[jjgold]

A lot of misinformation in it

I wonder why guys bankrupt

[WvGambler]

I have damn near perfect credit (score in the 820's) and don't get raped on interest ever.

I have multiple 15k -20k limit cards and I rotate which I use monthly to keep them current. Make EVERY purchase with one....pay EVERY bill (that allows it) with one. At the end of the month I pay off that single card. Not only does it simplify things, but you get money back and keep a stellar credit score.

No one I know pays cash anymore. Those that do are living pay to pay or cant get financing. Why pay cash, when you can have a bank chip in on the purchase with you? It just takes discipline and responsibility.

[WvGambler]

Does APR even matter if you pay your bill off on time always? Dont even know what mine is. Do you negotiate for lower?

If you never carry over a balance (pay off every purchase within 30 days) then your APR means nothing. It's still always best to have as low as possible though.....you never know

[DiggityDaggityDo]

A lot of misinformation in it

I wonder why guys bankrupt

If you gamble and do not file for bankruptcy your a jerkoff and have no clue about fukkin leverage

[thechaoz]

Fine. I'll bite even though a google search.

Multiple lines of credit, at the very least a few ************. Keep your balances low. DO NOT cancel cards, your length and history are big factors too.

I repeat, never ever ever cancel a credit card. Even if you want to cut it up, cut it up, but leave the "available credit" on your report.

That's pretty much it.

Credit length
Credit amount available (usage)
NEVER miss a payment (has to be 30 or 60 days late depending)
different lines of credit if you can (car loan, student loan, ************).

That's pretty much it.

Don't cosign for anyone, not even Jesus himself.