Thread: Money How does one get credit?
View Single Post
Old 04-02-2013, 02:30 PM   #45
R8RFAN R8RFAN is offline
Molôn Labé
 
R8RFAN's Avatar
 

Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
Quote:
Originally Posted by Pawnmower View Post
from what i understand you should have 3-4 credit cards that you charge things to (you can still pay them off) so they remain active....(unsecured aspect)

also, if it has been a while since you have had a secured loan (car or house etc...) you should try and get a secure loan, even if you just pay it off...this could be the biggest factor in why your score is low. You might try to get a HELOC....use it once a year to make a large-ish purchase, then pay it off.....that may be all you need to do for the secured aspect.

I think you are wise to want to raise your score. I'm in a similar position, but my score is now 750ish...I would like to try for 800+
I actually looked at some credit cards that said I had a high possibility of being approved for but they are shit cards that want 39 bucks a year for the privy of taking space up in my wallet...

The system sucks if you ask me
Posts: 23,164
R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.R8RFAN is obviously part of the inner Circle.
     Reply With Quote