I need to boost my credit score.

[blaknoize]

actually it will still help your credit if you got lets an AMEX or some credit card and just put it away in a drawer for about three months and then pulled it out and started using it.

the thing is that you don't want to have to open many accounts at once because that will hurt you. but if you do open one with AMEX leave the card alone for 3 months than start using it. Do your best to pay it off every month because that is HUGE! if for any reason you end up stacking up a balance on a card it should never be more than 50% of its maximum credit line. for instance if you have a $1000 do not leave more than a $500 balance on that card.

The lay over time doesnt really matter that much. I started with a ****ty store credit card then got me a AAA card from BankofAmerica. The same principle applies, just keep a nice amount (it doesnt have to be large) of revolving credit, though others know more about this than I do. And it will work in ur favor. Just pay for it and dont get credit happy and run that bish up.

[One_Bad_SHO]

Theres a lot of great suggestions that have been posted. If you **** up and get bad credit as a result of being irresponsible there are companies out there that will help get negative marks erased from your credit report.

I paid $79/month for Lexington Law Firm to improve my credit. Within 4 months my credit score went from a 540 to 680. Ofcourse, what they did can easily be done by yourself thus saving you the $79/monthly fee. I'm just too lazy for that ****.

[blaknoize]

Theres a lot of great suggestions that have been posted. If you **** up and get bad credit as a result of being irresponsible there are companies out there that will help get negative marks erased from your credit report.

I paid $79/month for Lexington Law Firm to improve my credit. Within 4 months my credit score went from a 540 to 680. Ofcourse, what they did can easily be done by yourself thus saving you the $79/monthly fee. I'm just too lazy for that ****.

yep, laziness is a killer sometimes.

[Sammich]

Theres a lot of great suggestions that have been posted. If you **** up and get bad credit as a result of being irresponsible there are companies out there that will help get negative marks erased from your credit report.

I paid $79/month for Lexington Law Firm to improve my credit. Within 4 months my credit score went from a 540 to 680. Ofcourse, what they did can easily be done by yourself thus saving you the $79/monthly fee. I'm just too lazy for that ****.

i think that may have been what kevykev was gona talk to me about, getting with some company to 'delete' the negative on my credit history and improve my score..i'm not in the 5's but i'm not in the 7's either..i wanna get mine up so i can get a home when i'm ready

i was also wondering..what about furniture stores that offer the 12months interest free/no payments for so and so months?? couldnt i use them to boost my credit also?

[JennB]

i was also wondering..what about furniture stores that offer the 12months interest free/no payments for so and so months?? couldnt i use them to boost my credit also?

Definately. It's still a line of credit. BUT!!!! Be absolutely sure you can pay it off COMPLETELY in the interest free period. Once that time period is up, they will add on all of the interest that accured while you weren't paying interest. Say you finance for 12 months, no interest. If you don't pay it off before the day your offer expires, they will tack on 12 months of interest. $100's easily.

I used this strategy to build my credit when I was much younger. I bought a couch... not a full set or stuff I couldn't afford but just a couch... paid it off in the 6 months allowed and my score went up and I built good history. Never paid a penny in interest.

So, if you go this way.... say you get 12 months no interest, take the total and divide it by ten and make absolutely sure you can afford that as a monthly payment. Padding it by two months gives you room to move just in case money is unexpectedly short once or twice.

[Sammich]

Definately. It's still a line of credit. BUT!!!! Be absolutely sure you can pay it off COMPLETELY in the interest free period. Once that time period is up, they will add on all of the interest that accured while you weren't paying interest. Say you finance for 12 months, no interest. If you don't pay it off before the day your offer expires, they will tack on 12 months of interest. $100's easily.

I used this strategy to build my credit when I was much younger. I bought a couch... not a full set or stuff I couldn't afford but just a couch... paid it off in the 6 months allowed and my score went up and I built good history. Never paid a penny in interest.

So, if you go this way.... say you get 12 months no interest, take the total and divide it by ten and make absolutely sure you can afford that as a monthly payment. Padding it by two months gives you room to move just in case money is unexpectedly short once or twice.

if icould rep u again i would. thanks