Thread: Money How does one get credit?
View Single Post
Old 04-02-2013, 02:27 PM   #42
loochy loochy is offline
Hey Loochy, I'm hooome!
 
loochy's Avatar
 

Join Date: Oct 2008
Location: PooPooKaKaPeePeeShire
Casino cash: $2150752
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 think that stuff falls off of your score after 5 years, right?
__________________
Hey Loochy, I'm hoooome!
Posts: 40,458
loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.loochy is obviously part of the inner Circle.
     Reply With Quote