You Want credit repair? | Eatontown New Jersey 07799 NJ

When considering complaint information, please take into account the company’s size and volume of transactions, and understand that the nature of complaints and a firm’s responses to them are often more important than the number of complaints.
I’ve read that keeping various cc’s in use (pay off every month it is used, and use quarterly) then this helps boost scores. When taking out new cc, know that it will lower your score for a month or two after. I’ve learned a lot from Suze Orman about this aspect of building credit. Today my score is 796.
This is the quickest way to deal with this problem. Contact the Consumer Financial Protection Bureau (CFPB) online or by phone. File a complaint by following the directions (doesn’t take very long at all…). The CFPB will contact the company for you and they have to respond to the CFPB within 2 weeks and take action. If the company/credit bureau’s have violated your rights, the CFPB will forward your complaint to the proper authorities and they may be in violation of the Fair Credit Reporting Act (FCRA).
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You might be — or there could be a big car repair, a medical emergency and a roof leak at pretty much the same time. Good credit does not have to be used, but it can be handy in an emergency. And there is, as you point out, a factor of ease and safety. Travel reservations and easier and more secure, and credit cards have chargeback rights that cash and debit cards do not. But it is absolutely not necessary to be in debt to maintain good credit.
i have a CS 612-629, jus got approved for 2 CC frm CapOne w/ $500 CL each. I have nothing on my credit report but a student loan paid off. i plan on charging 30% or $150 each card and pay bal full ea month. Is this fine to build my CS quickly n efficiently? i can only pay monthly but read some of u pay weekly, is weekly a quicker way to CS or bout same as monthly. I don’t like credit prefer save n buy cash but i want a car (new) in a year and house in two. lol please help, advise lol
When you know the kinds of activities in your credit that can affect your scores, you can work to take better care of your credit, too. Things like late payments, liens or bankruptcies all have varying levels of impact in your credit scores since they’re reflected on your credit report, too. Getting familiar with your credit report can help you see the impact these kind of events can have in your credit.
I have friends who believe that having everything paid for in cash and no credit cards or loans is the way to live, and yes, that would be ideal, but what happens when you suddenly need a line of credit to buy a home, a large purchase (appliances) or need to pay medical bills. You suddenly need a loan and lenders cannot know whether they can trust you to payback a loan without a history, and you may not be granted the loan. 
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That’s not to say you shouldn’t aim high. If you’re thinking about reaching a certain number, you’re either looking to improve your credit behaviors (which is a good thing) or already maintaining a high credit score (which is also a good thing).
Credit score talk is all over the place these days, from online forums to the office break room. That’s because your credit score affects just about every aspect of your life: your ability to get a mortgage, qualify for a car loan, or rent an apartment.
Because it’s such an important factor in credit scoring, protecting your payment history is the single best thing you can do for your credit. If you have any past-due accounts, bring them current right away and continue to make payments on time, every time. Additionally, consider paying down high credit card balances to reduce your total debt and improve your credit utilization ratio, which positively affect your credit scores.
We think it’s important for you to understand how we make money. It’s pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.
I know some of these score factors can seem very frustrating. First of all, it sounds like you are on the right track in terms of getting your credit together after your divorce. So congratulations for that.
All negative information will eventually be removed from your credit report and will stop impacting your credit score. In the interim, you can do your best to build a more positive credit history by bringing your accounts current, paying bills on time, and reducing your credit card balances. Over time, your credit score will improve and you’ll qualify for better interest rates and terms.
Opening a new account lowers your time with a card, thus affecting your score negatively. The longer you have a card the better. Example if you have 1 card for 8 years Your average is 8 years. Open another new card and now your average time with 2 cards is 4 years. The longer you have a card the better.
There is no secret recipe for building an 850 credit score. But there is indeed a playbook for putting yourself in the best position to achieve the highest possible credit score. It all begins with a credit card, as you’ll learn from the following:
Although each item was adddressed, documented, and confirmed because I was not able to travel TO THE COURT TO SHOW UP ( I worked in South America for 6 years) the Judge awarded the local Atty. ( More importantly their was “no proof of service” ( meaning nothing received that required a signature to prove it was received) that was able to be shown that was ever sent to me! Yet again, the local Judge awarded the local Atty money ( including more interest) against a filling that was entered into with the court 3 years after I moved out of the State, and then an additional 5.5 years that they tried to collect the ine highly inflated, bogus (no work done) billing. THIS HAS BEEN ON MY CREDIT BUREAU FOR 7 YEARS, and instead of allowing it to drop off, the Atty has refiled his claim again that will keep it on my bureau for another 7 years!
Based on our data, there is a clear relationship between age and average credit scores. Generally speaking, younger consumers have lower credit scores on average. Take a look at this interactive chart to see what our data says about age and average credit scores.
Don’t worry if you live in a state with lower credit averages, or if you’re in a high credit state but still have a low score. You can boost your own score by taking a number of basic, strategic steps.
Do you mean an authorized user? (A co-signer generally uses his or own good credit to help someone with little or no credit history get a card, while an authorized user is allowed to use an account but has no responsibility for paying it off.) And yes, your poor credit could hurt him. Another way to help him get a credit history would be to get a secured card. Here are a couple of Credit.com resources that may be useful to you:
Why are credit scores so different between each credit reporting agency? Mine are about 70 points different. I have a year of on time payments, but score is still in the 600 area, no credit previously.
You might think you have to have no debt to have a really high credit score, but that’s not true. Credit scores are formed in part based on your payment history. If you never have debt, you have no track record for repaying it.

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