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Old 04-02-2013, 03:18 PM   #1
Spott Spott is offline
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Originally Posted by Pestilence View Post
Skip your house payment and **** your credit up?
Well, apparently in my situation having perfect credit since I was 18(I'm 40 now) is worthless so I might as well. I'd even considered letting the place go and buying another house in cash now that the market is about 30-40% of the values they were about 5 years ago.
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Old 04-02-2013, 03:08 PM   #2
Ming the Merciless Ming the Merciless is offline
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I couldn't get mine above 720 until I decided to run a balance on my credit cards for a few months and then pay the balance off. I've done that a couple of times and my score is 805 now.
i could be wrong but i dont believe you need to run a balance, you just need to pay the bill AFTER the report date so your balance gets reported......so pay it online like the last day you can, and it SHOULD have the same affect...

from what i understand.....and i guess it could depend on the card....

as long as the debt is reported you should not need to keep the balance.....thats the idea anyway...(if you charge something, and pay it off before it is reported to the big 3, they may never know you HAD the debt...)
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Old 04-02-2013, 03:11 PM   #3
Spott Spott is offline
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Originally Posted by Pawnmower View Post
i could be wrong but i dont believe you need to run a balance, you just need to pay the bill AFTER the report date so your balance gets reported......so pay it online like the last day you can, and it SHOULD have the same affect...

from what i understand.....and i guess it could depend on the card....

as long as the debt is reported you should not need to keep the balance.....thats the idea anyway...(if you charge something, and pay it off before it is reported to the big 3, they may never know you HAD the debt...)
Well what I would do was pay half the balance for a few months straight and then pay it off over a period of a couple of more months. I ate some finance charges but I guess running up a balance and paying it off is more credible that just paying your entire bill on time every month while you are still charging the same amount.
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Old 04-02-2013, 03:10 PM   #4
Ming the Merciless Ming the Merciless is offline
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another way around that would be to do a balance transfer or other special offer where they let you keep a 0 interest balance for a few months, that way it gets reported for sure
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Old 04-02-2013, 03:11 PM   #5
R8RFAN R8RFAN is offline
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Originally Posted by Pawnmower View Post
another way around that would be to do a balance transfer or other special offer where they let you keep a 0 interest balance for a few months, that way it gets reported for sure
No balance to transfer
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Old 04-02-2013, 03:13 PM   #6
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just be sure you charge your Chiefs playoff tickets.
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Old 04-02-2013, 03:22 PM   #7
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Old 04-02-2013, 03:50 PM   #8
R8RFAN R8RFAN is offline
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Well after further review, CreditKarma is not reporting me right..

It says on their website they get their info directly from Transunion and for some reason when I try to get my free annul report from Transunion it tells me they can't verify me even though I know I am entering the correct info.

CreditKarma is reporting that I have 0 credit cards and when I use their simulator to add one with a 4k balance that I have had since 2001 with never a late payment it rates me at over a mid 700 credit score...

I just ordered my credit report at Transunion along with my credit score (cs costs 7.95) and if they do not show my credit card on their report I am going to dispute my info with them since the other 2 reporting agencies show the CC on my report so obviously Capital one and the cc's that I am given choices to acquire is going by my Transunion report and rating me low as a result....

It may take this process a few weeks but when I know something I will report back... An accurate mid 700's cs is good enough for me
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Old 04-02-2013, 04:19 PM   #9
Ming the Merciless Ming the Merciless is offline
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Originally Posted by R8ers View Post
Well after further review, CreditKarma is not reporting me right..

It says on their website they get their info directly from Transunion and for some reason when I try to get my free annul report from Transunion it tells me they can't verify me even though I know I am entering the correct info.

CreditKarma is reporting that I have 0 credit cards and when I use their simulator to add one with a 4k balance that I have had since 2001 with never a late payment it rates me at over a mid 700 credit score...

I just ordered my credit report at Transunion along with my credit score (cs costs 7.95) and if they do not show my credit card on their report I am going to dispute my info with them since the other 2 reporting agencies show the CC on my report so obviously Capital one and the cc's that I am given choices to acquire is going by my Transunion report and rating me low as a result....

It may take this process a few weeks but when I know something I will report back... An accurate mid 700's cs is good enough for me
those 3rd party places are shitty....I'm just wondering why they charged you 8 bux (no biggy i know) because you should be able to get 1 free credit report every 12 months....from each of the 3

i believe it is:

https://www.annualcreditreport.com/cra/index.jsp
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Old 04-02-2013, 04:22 PM   #10
R8RFAN R8RFAN is offline
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Originally Posted by Pawnmower View Post
those 3rd party places are shitty....I'm just wondering why they charged you 8 bux (no biggy i know) because you should be able to get 1 free credit report every 12 months....from each of the 3

i believe it is:

https://www.annualcreditreport.com/cra/index.jsp
I got the credit report free but the annualcreditreport.com which by law has to provide you with one free credit report per year by the big 3 does not include a credit score just a report.
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Old 04-02-2013, 04:35 PM   #11
Ming the Merciless Ming the Merciless is offline
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I got the credit report free but the annualcreditreport.com which by law has to provide you with one free credit report per year by the big 3 does not include a credit score just a report.
ahhhh
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Old 04-02-2013, 04:29 PM   #12
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I have the same credit score as you after i went deliquent on some medical bills that i can't pay.
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Old 04-02-2013, 05:30 PM   #13
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Dude.....I can't really stand R8ers....but even I knew that this was a legitimate question.
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Old 04-02-2013, 05:32 PM   #14
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Dude.....I can't really stand R8ers....but even I knew that this was a legitimate question.
Can he not access google?
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Old 04-02-2013, 05:44 PM   #15
R8RFAN R8RFAN is offline
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Can he not access google?
No I can't... Can you access a Bag O Dicks? Extra Large?
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