Comments on: How can I improve my credit score of 685? http://www.theonlinecreditscore.com/improve-credit-score/how-can-i-improve-my-credit-score-of-685/ Get Your Free Online Credit Score And Report Sun, 16 Oct 2011 14:24:23 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: MJ http://www.theonlinecreditscore.com/improve-credit-score/how-can-i-improve-my-credit-score-of-685/comment-page-1/#comment-4206 MJ Sun, 21 Feb 2010 13:39:07 +0000 http://www.theonlinecreditscore.com/2010/02/21/how-can-i-improve-my-credit-score-of-685/#comment-4206 Every answer is correct so far, but take a look at contesting or disputing paid debts that are less than 7 years old, including the old collection. If you can get that removed, it will definitely add to your score. Don't mess with anything small and that is over 7 years old. Every answer is correct so far, but take a look at contesting or disputing paid debts that are less than 7 years old, including the old collection. If you can get that removed, it will definitely add to your score. Don’t mess with anything small and that is over 7 years old.

]]> By: memva1970 http://www.theonlinecreditscore.com/improve-credit-score/how-can-i-improve-my-credit-score-of-685/comment-page-1/#comment-4205 memva1970 Sun, 21 Feb 2010 13:12:35 +0000 http://www.theonlinecreditscore.com/2010/02/21/how-can-i-improve-my-credit-score-of-685/#comment-4205 There are several ways to improve your credit score. The easiest ways are to pay down your credit cards. Try to keep your available credit in the area of 75-80% of your total credit limit on each card. One of the ways I keep my credit score high is by paying everything (lights, phone, groceries, gas etc...) with one credit card and paying the balance in full at the end of the month. Do not close any of the old accounts. The late payments will age and fall off. Matt There are several ways to improve your credit score. The easiest ways are to pay down your credit cards. Try to keep your available credit in the area of 75-80% of your total credit limit on each card. One of the ways I keep my credit score high is by paying everything (lights, phone, groceries, gas etc…) with one credit card and paying the balance in full at the end of the month. Do not close any of the old accounts. The late payments will age and fall off.

Matt

]]> By: dingy0bama0brat http://www.theonlinecreditscore.com/improve-credit-score/how-can-i-improve-my-credit-score-of-685/comment-page-1/#comment-4204 dingy0bama0brat Sun, 21 Feb 2010 12:23:43 +0000 http://www.theonlinecreditscore.com/2010/02/21/how-can-i-improve-my-credit-score-of-685/#comment-4204 While I agree with the person who implies to pay in cash... in the U.S. it simply is against a person's best interest not to have the highest possible credit score... so much to gain and leverage to boot :) So.. my answer to you is this: Ask the CC to increase your credit limits. Make sure 100% of your CCs are paid in full. Pay that home-equity line down as much as possible as well. Don't close accouts, that can actually hurt you more often than help you FACTA limits the ability for creditors to remove your history. I would ask for the collections agency to remove the delinquent history based on the argument that you paid it as soon as you were aware; however, I would not expect it to be likely that they can or will remove the derogitory information. While I agree with the person who implies to pay in cash… in the U.S. it simply is against a person’s best interest not to have the highest possible credit score… so much to gain and leverage to boot :)

So.. my answer to you is this:
Ask the CC to increase your credit limits. Make sure 100% of your CCs are paid in full. Pay that home-equity line down as much as possible as well.

Don’t close accouts, that can actually hurt you more often than help you

FACTA limits the ability for creditors to remove your history. I would ask for the collections agency to remove the delinquent history based on the argument that you paid it as soon as you were aware; however, I would not expect it to be likely that they can or will remove the derogitory information.

]]> By: victorschool1 http://www.theonlinecreditscore.com/improve-credit-score/how-can-i-improve-my-credit-score-of-685/comment-page-1/#comment-4203 victorschool1 Sun, 21 Feb 2010 11:25:19 +0000 http://www.theonlinecreditscore.com/2010/02/21/how-can-i-improve-my-credit-score-of-685/#comment-4203 Screw the Credit Score, pay off your debts, don't borrow anymore, borrowing is for suckers. Screw the Credit Score, pay off your debts, don’t borrow anymore, borrowing is for suckers.

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