I am now debt free. What do i do to rebuild my credit score?
I got credit cards when i was young, and as a result, have bad credit because of collections and such. I am now DEPT FREE but want to start rebuilding my credit score. What should i do?
Continue getting your reports for free once a year at
annualcreditreport.com
Try to delete items that are old – over 7 years.
Never delete your oldest account since this establishes length of credit history – 15% of the fico.
Don’t close accounts in good standing – it will reduce your overall available credit limit on all your cards.
Get a good book at your library/bookstore.
Look in the finance section for credit report repair or debt repair.
Don’t ever get a credit card that charges annual fees – credit will never be worth it.
I would rather see you getting a secured card at your local bank.
Premier bank has the most complaints and highest fees of any card I have ever seen in my life.
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November 29, 2009
4:08 pm
Don’t ever look at a credit card ever again! J/k…Get a 1st Premier Bank Credit Card, start small, pay your bill on time, and Congratulations!
References :
November 29, 2009
4:56 pm
Continue getting your reports for free once a year at
annualcreditreport.com
Try to delete items that are old – over 7 years.
Never delete your oldest account since this establishes length of credit history – 15% of the fico.
Don’t close accounts in good standing – it will reduce your overall available credit limit on all your cards.
Get a good book at your library/bookstore.
Look in the finance section for credit report repair or debt repair.
Don’t ever get a credit card that charges annual fees – credit will never be worth it.
I would rather see you getting a secured card at your local bank.
Premier bank has the most complaints and highest fees of any card I have ever seen in my life.
/
References :
November 29, 2009
5:01 pm
Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – buildcredit.ifastnet.com
References :