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Very sorry to hear what you been through, especially as a result of predatory lenders while you were serving our country. Have you thought about trying to rebuild your credit using a secured credit card? If you have your free credit score, which areas of your credit are strong, and which are getting low grades?
We just love to be judged. Who decided the rules? The banks? The credit card companies? Screw all of them and pay with cash. Get in line sheep and baaah for your “credit scores”. After all, we are all just a number.
Its not always true that folks with lower credit scores are not financially responsible, it could be due to unforseen circumstances or situations in life that are beyond their immediate control. Some people feel just because they were born on third base that they scored a triple, if your from a family that bore the financial burden in order to make it easy for you, it may be unfair to critisize others who were born on the opposite side of the tracks. This is by no means an excuse nor should serve as a means to dodge your financial obligations, on the contrary it should motivate you to turn tragedy to triumph. Let’s be a little more empathetic because everyones circumstance is totally unique and markedly different. There is only so much you can scrape and scratch and save with a low income but HUGH financial responsibilities.
Finally, to ensure that you have the best credit scores possible, you should thoroughly check over the details of your individual credit history to determine if there are any inaccuracies. If you see anything that is not correct, then you should dispute the error.
Im a junior in college with loans and 2 credit cards, currently my credit score is 759. I am planning on working over the summer and I intend on buying a car, do you think I should wait for a bit longer and try to increase my score, or do you think I will be able to get decent rates with what I currently have?
Obtain a copy of your credit report – Request a copy of your credit report from each of the three reporting agencies: Equifax, Experian and TransUnion. Carefully review your reports for errors and file disputes over anything that does not belong to you.
I have a 731 credit score and I just turned 21, never got any loans besides a student loan which I started paying automatically in November of last year, my credit history is just over a year old, had several late payments and maxed out one of my 2 credit cards yet my score had went up from 674 in January to 731 in April…and my credit lines doubled…all I did was make most of my purchases with my credit cards and pay the entire thing every couple weeks.
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One thing is always for certain: All credit scores are generated from the information you find on your credit report. One of the ways to make sure your credit score is as high as possible is to examine your credit reports from each of the three credit bureaus for any errors or discrepancies.
A credit score is a three-digit rating that’s intended to show how likely you are to not become delinquent on payments, based on your payment history, amount of debt, length of credit history, etc. Higher is better.
Cleveland credit guru Jay Seaton, president of Consumer Credit Counseling of Northeast Ohio, said it’s possible Pavelka’s near-perfect score was the ultimate alignment of the planets. If someone had checked his score a week later, or today, it might be only 835. Or it could be 849. Credit scores swing slightly on what bill you just paid or what you just charged.
Keeping you informed of activity on the account assigned, with periodic status reports, is another feature of the collection process. In the event the account is in litigation, you will be informed of any meaningful activity. Status reports on specific accounts are always available upon request.
In the United States, the median generic FICO score was 723 in 2006 and 711 in 2011.[29] The performance definition of the FICO risk score (its stated design objective) is to predict the likelihood that a consumer will go 90 days past due or worse in the subsequent 24 months after the score has been calculated. The higher the consumer’s score, the less likely he or she will go 90 days past due in the subsequent 24 months after the score has been calculated. Because different lending uses (mortgage, automobile, credit card) have different parameters, FICO algorithms are adjusted according to the predictability of that use. For this reason, a person might have a higher credit score for a revolving credit card debt when compared to a mortgage credit score taken at the same point in time.
Anonymous, you hit it right on the nail. My family and I are very loyal to our homeowner, who we’ve been renting a home from for almost 9 years (all payments made on time), and we now have to move. However, we’ve been having difficulty getting a loan due to our bad credit scores (though we all work very hard). Maybe one day we’ll own a house, though we can only hope.
If you want a credit card, consider an alternative: “Consumers with poor credit scores — less than 630 — are generally best off with a secured credit card,” says NerdWallet credit card expert Sean McQuay. These cards require you to make an upfront deposit that serves as collateral in case you don’t pay, and they generally have an annual fee. A retail card is another possibility; some discount stores, in particular, might have lower credit score requirements than banks do.
But even these aren’t set in stone. Again, that’s because lenders all have their own definitions of what is a good credit score. One lender that is looking to approve more borrowers might approve applicants with credit scores of 680 or higher. Another might be more selective and only approve those with scores of 750 or higher. Or both lenders might offer credit to anyone with a score of at least 650, but charge consumers with scores below 700 a higher interest rate!
That’s because you’re penalized for owing too much money compared to the amount of credit you have access to, which is measured by your credit utilization ratio. Plus, by paying off credit cards and high interest loans early, you’ll save yourself countless dollars in interest payments.
It is hard to get accurate late payments removed. Sometimes consumers will dispute them, and if they aren’t confirmed they will be removed. But even if they remain, over time they carry less weight. Please read: How Long Does It Really Take to Improve Your Credit?

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Considering these things, your credit score is one of the most important numbers in your life. It can affect every action you take, from the house you live in to the car you drive. Taking steps to improve your 798 credit score is the best way to save money and make your life easier down the road. There’s no excuse to not improve your credit score!
Every person with a Swedish national identification number must register a valid address, even if living abroad, since sent letters are considered to have been delivered to that person once they reach the registered address. As an example, Swedish astronaut Christer Fuglesang got a Betalningsanmärkning since a car he had ordered, and therefore owned, passed a toll station for the Stockholm congestion tax. At the time, he was living in the USA training for his first Space Shuttle mission and had an old invalid address registered for the car. Letters with payment requests did not reach him on time. The case was appealed and retracted, but the non-payment record remained for three years since it could not be retracted according to the law.[19]
No, Credit Score reflects the discipline and responsibility characteristics of a person. I started at 690 after my divorce, through discipline and hard work I have raised my credit FICO score to 840. Discipline, accountability and responsibility unfortunately are terms our “liberal” society does not want to address!!
0% for first 6 months, then 13.49% – 24.49% Variable 5% cash back on purchases within select categories up to the quarterly maximum (signup required); unlimited 1% on all other purchases $0 Excellent, Good, Average
On my 18th Birthday I went to Discover.com because I had seen promotions for it on TV and also noticed my parents used it on a daily basis. My mom loved her Discover card and they have had it for over 10 years. I was approved for the Discover IT Card with a $500 limit. Over the course of the next year they inceased my limit to $1,500. I was happy I was using it and reaping rewards left and right. I got greedy so I applied for the BestBuy Credit Card because I had worked there for sometime. Fast forward this along about 2 years later I had $3,000 in debt. I applied for 3 cards all on the same day and my limits were raised to $25,000 between all of my cards. I felt like the king. I had a Chase Sapphire Preferred card. It was metal! I was as cool as could be. Well I am now 21 I HAD a score of 780 and yeah its fallen to about 620. To this day I am working on paying my debts down by 0% Balance Transfer Cards but still paying my life away to banks and debt. Be smart about Credit and dont jack it up along the way. Credit runs this world we live in and without a near perfect score you will lose.
We were able to speak to two Americans who belong to the exclusive FICO 850 Club: Brad Stevens of Austin, Texas, and John Ulzheimer of Atlanta. Both proudly showed off computer screenshots proving they’ve reached the pinnacle of credit scoring.
My credit score 625 has been for the past year I hsbe car note about 5 cards I psy on time I’m trying to start the process for a house loan but would like to to something to get my credit score higher do you have any suggestions ?
I have credit cards that have been compromised. The bank issued me new ones. My credit report has two cards, the two different numbers. The problem is they are the same account. My credit report lists them as two separate accounts. So it looks like I am in higher debt than I am. Does anyone know how to get the duplicate accounts removed? Thanks
You were not being at all arrogant, just giving great advice. Too many people want to demonize people that are responsible and sensible in order to lessen the burden of their own poor decisions. Lost your job? Where is your savings? Why are you in such debt that you can’t recover from being out of work for a period of time, etc… I’m definitely not prepared to lose an income, but I realize that it’s my own decision making in the past that would put me in jeopardy… If you play with fire…
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Pay off your balances – Reducing the number of active debt accounts you have is a good way to improve your credit. To accomplish this, you should choose the lowest balances and pay those off first. Once your balance is paid off, keep the card account open, but do not continue to make purchases using the cards.
I had credit of 704+. About 5 months ago, (after struggling financially but paying the minimum due every month), I came into a small bit of money. Thinking of the interest that would be saved, I paid off two loans equaling about $7,000 – the balance of my only car, and the remainder of a personal loan I had taken out about 5 years ago. Now, the only thing left on my credit are 4 credit cards which, at the time, were nearly at their limits. Instead of paying them off, I decided to pay much more on them every month to bring them way down in balance. I have been paying about 3 times the minimum on the cards each month without using them.
Some of these have different credit score ranges, so while VantageScore 3.0 and FICO scores run from 300 – 850, there are others that may run from 501-990 or 360–840, for example. You can generally find out what score’s in use by looking at the sheet or site on which the score is being supplied.
In Australia, credit scoring is widely accepted as the primary method of assessing creditworthiness. Credit scoring is used not only to determine whether credit should be approved to an applicant, but for credit scoring in the setting of credit limits on credit or store cards, in behavioral modelling such as collections scoring, and also in the pre-approval of additional credit to a company’s existing client base.
If you notice that your credit score is well below the American average of 695, or you’re constantly facing roadblocks to your financial goals because of your credit, it might be time to get help from a professional.
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Credit cards and loans can affect your credit differently. Credit cards are revolving accounts whereas most loans are installment accounts. A mix of different types of accounts can be useful. Do you have any credit cards or loans now?
Paying your bills in full is a smart move and definitely doesn’t hurt your credit score. And the scores you cite sound like excellent scores. Do the scores that you received show you where you fall in comparison to other consumers (fair vs. good vs. excellent for example)?
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Some have blamed lenders for inappropriately approving loans for subprime applicants, despite signs that people with poor scores were at high risk for not repaying the loan. By not considering whether the person could afford the payments if they were to increase in the future, many of these loans may have put the borrowers at risk of default.[26]
When disputing any errors on your credit report, always remember to give specific details regarding why you feel the information on your credit report is incorrect and include any evidence you may have that helps to prove the mistake. Always make copies of all the information you send it with your dispute as well, so you have it for your own records.
Finally, it’s important to note that while many different types of credit scores exist, the most popular ones all use the standard 300 to 850 credit-score range. They’re also based on the same information – your credit reports – and produce very similar results in most cases, according to the Consumer Financial Protection Bureau. So it doesn’t really matter whether an average credit score is based on a VantageScore or FICO model, as long the data is consistent. After all, there isn’t one “real” credit score.
If you have fair credit, you have access to a wide range of credit cards, including many rewards cards. And finding the right card can help you continue to build your credit history and improve your score. Here are our top credit cards for fair credit.
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