Comment from NoDelay!
Time February 26, 2010 at 7:41 am

You can have your credit repaired by removing some of the stuff on there that is not supposed to e om your report.

See http://www.vrtmg.com/lswain

Comment from bubaloiie
Time February 26, 2010 at 8:36 am

I thought you were supposed to leave
the accounts open an not use them.

Im still workin on my score I pay more
than the minimum an always pay before
the due date. I think the same applies to
cable, eletric phone, ect.

One more thing that is helping me is
Quicken software good luck.

Comment from kimbriang
Time February 26, 2010 at 8:58 am

it is best if you try to keep your payments caught up so that when someone else looks at you score they can say that you are reliable and trust-able with the loans that you are going to receive from them. and paying off credit cards when you first get them is not good, the longer5 you leave a account open the better you have of a better credit score when you keep up the payments.

Comment from askyourq
Time February 26, 2010 at 9:42 am

I don’t think a loan is the proper way to go. I would suggest doing the following:

1) Find out the interest rate on all cards you have a balance on
2) Pick the card with the highest interest rate (we will call this “Card A”)
3) Pay as much as you can per month on Card A, while STILL PAYING THE MINIMUM BALANCE ON ALL OTHER CARDS
4) Pay on time, every single month
5) Once Card A is paid off, take the next card with the highest interest rate and take the money you were spending paying off Card A and add it to the monthly payment for this card
6) DO NOT CLOSE YOUR CARDS (every time you close a card, the sum of your credit limits decreases, thereby making it look like you have less credit. Keep your paid off cards, cut them up (!!), and don’t close them for a few years)
7) Don’t keep spending Pay cash.

Soon as you know it, you’ll be credit card free.