Comments on: My husband and I want to improve our credit scores and have about a year to do it in.advice? http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/ learn how to improve your credit score Wed, 16 Mar 2011 08:07:00 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Dewey K http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/comment-page-1/#comment-142 Dewey K Sat, 16 Jan 2010 12:15:07 +0000 http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/#comment-142 <a href="">Lloyd</a> You need to pay your debts down to get your debt to income ratio in line. That will take time, probably most of the year. Lloyd

You need to pay your debts down to get your debt to income ratio in line. That will take time, probably most of the year.

]]> By: hmark http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/comment-page-1/#comment-141 hmark Thu, 14 Jan 2010 13:23:41 +0000 http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/#comment-141 <a href="">Sally</a> You will need to knock down some of your debts. Also, each credit card (the limit) you carry will act as total amount of indebtedness you could get into. This is used against you negatively. Have a few cards with only 10% on each of them, do not consolidate as that will lower your credit score. Your bottom should be 790 and if higher, the better. Whatever you do, do not close any accounts. Having open accounts with no balance is better than closed ones with no balance. Good luck to you two. Sally

You will need to knock down some of your debts. Also, each credit card (the limit) you carry will act as total amount of indebtedness you could get into. This is used against you negatively. Have a few cards with only 10% on each of them, do not consolidate as that will lower your credit score. Your bottom should be 790 and if higher, the better. Whatever you do, do not close any accounts. Having open accounts with no balance is better than closed ones with no balance.

Good luck to you two.

]]> By: theosharatos http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/comment-page-1/#comment-140 theosharatos Mon, 11 Jan 2010 13:49:43 +0000 http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/#comment-140 <a href="">Gladys</a> I would say supplement your income so you can pay off some of your debts and clear it up that way. Jennifer Gladys

I would say supplement your income so you can pay off some of your debts and clear it up that way. Jennifer

]]> By: Bri http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/comment-page-1/#comment-139 Bri Sun, 10 Jan 2010 02:34:11 +0000 http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/#comment-139 <a href="">Lucy</a> you should have 3-4 open lines of credit. So that you can prove that you can pay people on time. Also medical bills or items in collections really hurt your score. So, you pay them or dispute them. Lucy

you should have 3-4 open lines of credit. So that you can prove that you can pay people on time. Also medical bills or items in collections really hurt your score. So, you pay them or dispute them.

]]> By: Mr. Taco http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/comment-page-1/#comment-138 Mr. Taco Thu, 07 Jan 2010 08:29:40 +0000 http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/#comment-138 <a href="">Douglas</a> Be patient. It won't happen overnight. Keep making your payments on time at all costs, and pay down your debts. You WANT to have SOME credit debts... you just want to make sure that your balances are low and that you have a lot of space between your balance and the maximum credit limit. Other than that, all you can do is wait. Credit changes over time. There are no quick fixes, and if anyone suggests otherwise, they are either wrong or are selling something. If you keep up with your payments, in 6-12 months time your credit will improve. Whether or not it will be dramatic enough to help you out will remain to be seen. That simply depends on what your score is now and what happens between now and then. Douglas

Be patient. It won’t happen overnight. Keep making your payments on time at all costs, and pay down your debts. You WANT to have SOME credit debts… you just want to make sure that your balances are low and that you have a lot of space between your balance and the maximum credit limit. Other than that, all you can do is wait. Credit changes over time. There are no quick fixes, and if anyone suggests otherwise, they are either wrong or are selling something. If you keep up with your payments, in 6-12 months time your credit will improve. Whether or not it will be dramatic enough to help you out will remain to be seen. That simply depends on what your score is now and what happens between now and then.

]]> By: scribbler http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/comment-page-1/#comment-137 scribbler Thu, 07 Jan 2010 06:57:22 +0000 http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/#comment-137 <a href="">Bernard</a> Pay the mortgage on time is what the experts call "the simple credit fix" I'd hold off on the refi right now... The underwriters are not signing many loans, I don't have enough room to type why.... Bernard

Pay the mortgage on time is what the experts call “the simple credit fix”

I’d hold off on the refi right now… The underwriters are not signing many loans, I don’t have enough room to type why….

]]> By: beccasmom99 http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/comment-page-1/#comment-136 beccasmom99 Tue, 05 Jan 2010 20:51:10 +0000 http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/#comment-136 <a href="">Jamie</a> 1. Continue making payments on time. 2. Reduce any c/c debt to below 30% of your limit. 3. Don't apply for any credit unless necessary - inquires will cost you points and could end up looking back to potential creditors. Jamie

1. Continue making payments on time.
2. Reduce any c/c debt to below 30% of your limit.
3. Don’t apply for any credit unless necessary – inquires will cost you points and could end up looking back to potential creditors.

]]> By: M S 3 5 http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/comment-page-1/#comment-135 M S 3 5 Tue, 05 Jan 2010 05:34:40 +0000 http://improvescorerating.com/credit/my-husband-and-i-want-to-improve-our-credit-scores-and-have-about-a-year-to-do-it-in-advice/#comment-135 <a href="">Joan</a> for sure, pay down some of your debt. they do not like maxed out credit lines. Joan

for sure, pay down some of your debt. they do not like maxed out credit lines.

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