piper32_95037 asked:


I recently was denied a credit because of “Few revolving accounts opened long enough to establish credit history.” I do not and WILL not apply or own a credit card. What is the easiest way(s) to improve my credit without a credit card? Best answer will be given to the person with the best references.

Nicholas

Sphlinkette asked:


I have established credit however, currently the only items that are open on my credit are my mortgage, student loans, and a credit card with a SMALL limit! All other items are either paid off or charge offs. Other than paying my open stuff on time what can I do to improve my credit score?

Rodney

spfldgirl asked:


My fiance recently tried to refinance an auto loan and was denied because of his credit. What can he do to improve his credit? Since moving in with me three years ago, he has made all his payments on time. He only has one credit card and an existing auto loan (which is from a sub prime lender).

Also, if we get married before his credit improves, how badly will his credit affect mine once we are married? My credit is currently considered to be ‘good.’
His credit isn’t very good because of a bankruptcy and lots of late payments.

Nicole

Janie asked:


When I turned 18 I knew I needed credit cards to grow credit. When I reached the $500 limit on my first card and the $2000 limit on my new card when I found that this was not good for my credit. I hear that as long as you don’t spend more than half of the available balance your credit will be fine. Is this true?

Floyd

aShLeY asked:


im trying to find a store that i can get a charge card. im trying to improve my credit. I have a score thats really low and ive even tried orchard bank. any ideas for some store credit options????????
also i do have a repo on there and only one credit card. ive tried eveywhere. i couldn’t afford it then. i mkae very good now and want to atleast keep trying..

Willie

soulweaponry asked:


I’ve always heard its good to keep your credit/balances at a certain ratio to improve your credit rating. What should mine be? I have 2 cards: one with a $200 limit and the other with a $250 limit. How much should i spend on each?

Thomas

Janie asked:


When I turned 18 I knew I needed credit cards to grow credit. When I reached the $500 limit on my first card and the $2000 limit on my new card when I found that this was not good for my credit. I hear that as long as you don’t spend more than half of the available balance your credit will be fine. Is this true?

Cindy

youresoscene_xxx asked:


I have some credit, but not a whole lot. My credit score is 628. I also have a delinquncy with Chase, which I am trying to pay off now, but I want to get a different credit card in the mean time to make payments on that to increase my score.

So what are some credit cards that will approve almost instantly with a credit score like that? I just want to get it to improve my credit.

Mildred

K H asked:


I know that paying more than my minimum monthly credit card payment will improve my credit. But how much more do I have to pay? $1? 50%?

Brad

wigginsre asked:


Its very difficult obtaining a good fair credit card with high amounts on them. I currently only have a 300 limit. Will a secure credit card help to increase the credit score? Any advice. I’m also not sure if I should pay off the credit cards that expire within the next couple of years from the credit report.

Virginia