I have established credit however, currently the only items that are open on my credit are my mortgage, student loans, and a credit card with a SMALL limit! All other items are either paid off or charge offs. Other than paying my open stuff on time what can I do to improve my credit score?

Pay off your smallest balance charge offs first. Charge offs really hurt your credit, but when you pay them off they show up as a paid charge off, which helps your score a lot. And if you have a $100 dollar charge off it hurts your score almost as much as a $5000 so pay the little ones off first.

my credit score was in the high 500’s a couple of months ago. last month a car repo was removed from my report, but i dont know the score. does anyone have an idea how much my score should have improved? im trying to buy a house and need a 620.

First of all get a copy of your report (which I presume you have done – that would be how you would know that the repo came off).

https://www.annualcreditreport.com

Now go to the "Credit Score Estimator" on the creditcards credit-card-tools site listed in sources. Be totally honest – this will be seen by no one but you. Use your credit report to answer the questions.

Good luck

I have not used the card yet but i’d like to know how soon it will take before i start seeing my credit score start to improve?

Hi,

It is a nice idea to use a secured credit card to build up your credit history or re-built a damaged one. Although a damaged one takes more time, but there are catches. If you want to build fast your score and credit rating do these:

1) Never have more than 2 credit cards. If you are starting with credit card and no company is giving to you; have a secured credit card and keep one.

2) Use up to 30% of your credit card limit for bills. Try to keep between 30%-35%. Lenders want to see if you are being responsible with your lending. For 3000K limit don’t go over 1000K. Let’s say you need at least 500$ because this is what you spend; Well than it is recommended fo you to have a secured credit card of $1500

3)Always try to pay in full your credit card bills, if you cannot: pay the minimum; NEVER forget to pay. If you forget to pay that will harm your credit score badly

Do this for 6 – 12months and you will be able to get a credit card;

My credit score has been in hovering around 710 for few years now.. I have 3 credit cards all of which I pay in full every month.. I don’t have any loans or mortgage.. I am renting.. My car has been paid off.. Is there anything I could do to improve my score..? How do I get to 740+ from here ?

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – buildcredit.ifastnet.com

I had some false info on my credit report and all of them were removed. How much will my credit score improve with each one being removed?

You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments – credit-report-score.10001mb.com

My husband lost his job last year, and because of it we had 6 consecutive late car payments. Our credit score is 580. We want to get it to at least a 620. How do we do that as quickly as possible and how long will it generally take to raise it up 40 points?

P.S. We just paid down the credit card balance below 50%, and have been making car and credit card payments on time now for the last three months.

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – credit-report-free.totalh.com

I have a horrible credit score because of student loans that now I’m trying to pay off but still my credit is terrible. I can’t be approved for any type of loan, car or a credit card. I really want to improve my credit score and I have no idea where to start or what to do. Does anyone have any ideas or any knowledge on this at all?

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – credit-report-score.10001mb.com

I had a few bad debt on my credit report, including credit cards, and car loan. I paid them all off. I even paid my two current credit cards off which are always in good status. But my credit score is still low. The only debt I currently have is my school loan which I pay an extra 20%/month. How long will it take for my credit score to improve (good status)? What can I do at this point to improve my score? any suggestion will help

Don’t close credit card accounts after you pay them off.
Just cut them up and don’t use them.
If you close them you will be removing part of your credit history and also lower the available unused credit that is available on all your cards.

The score is based on history – so it will improve slowly over time.
But be assued of one thing.
Lenders like FHA do not go by scores – they view reports in detail.
They will see these items paid off and adjust their numbers.
Also employers look at your credit reports – the same thing you see.
Don’t worry about the score – just use credit wisely.

Continue using your credit to show usage on your reports.
Use your card for something you need like food or gas and pay in full each month.
This is a good way to develop top credit.
Carrying balances hurts you and in some cases can destroy your life.
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I have almost $1500.00 worth of debt that is making my credit bad, I want to pay all that stuff off but how long will it take for me to see any improvement in my credit score?

It depends, if the accounts have already gone to collections paying them off will not improve your score at all as a matter of fact it will actually lower it because when you pay them they will become current rather then old.

The only time paying old collections will help your score is if you can get them to agree to a pay foe delete agreement, this is a simply contract that says that in return for your payment they agree to delete the account from your credit. If they do agree to this get it in writing before you pay them a dime.

If on the other hand these accounts have not been sent to collections and you pay them off your score will increase as soon as your creditors report to the bureaus the next month.

Good luck.

My wife and I are planning to buy our first home now and we heard that when you buy a home (1st time buyers), your credit score goes up. We need to know if this is true and how long it would take to reflect in our scores because we need to be approved for a student loan in 4 months and we are already working with our credit for that to happen. If this is not true we would rather continue renting then buying a home now. Any advice?

A mortgage paid as agreed is the best thing anyone can have on their credit.

My wife and I have been in our home almost 4-years now, never been late with a payment and our scores have gone up over 100-points.

Very few people ever get to 800 or above without a mortgage paid as agreed.