Bad credit history but have 610 credit score whats the best place to get a auto loan? About 2 years ago I had a repo put onto my credit *my ins company was charging me 2 times what they should have been and before I could fix that problem I was in debt and ended up lossing my car* Now I have all my credit paid off and a credit score of 610 and looking at getting a auto loan but im not sure who the best credit company to go with to get a good APR. I know im probly looking at 20% APR im sure. I need a auto loan of 15k and putting a down payment of 7k, total cost of vehicle about 22k. Looking at getting the car at the end of May. Is it better to go to the dealer and see about financing or try going throu capital one auto loan? Was also wondering about capital one because I have a good standing credit account with them. *my monthly income is over 2k*

What credit score is needed to get the best fixed rate for consolidating accounts? Any suggestions on how to raise credit scores in the range of 597-607 received from all 3 credit reporting agencies. I have 2 mortgages which was done by the mortgage company a couple years ago to help my credit and both have high rates, 1 car loan, 5 credit cards, and a small loan company. I have been paying more on my credit cards the last 3 or 4 months to get the balances down. I want to consolidate the mortgages and the car loan in the future. But, not sure how high a credit score needs to be for the best fixed rate. Thank you for any help.

Credit score improvement - Is it best to...? 1. pay off debt and keep accounts opened 2. pay debt down (credit cards), and have a small balance on them I had never been late on a credit card until about 3 months ago. Selling home took much longer than I had hoped. Now, I have a couple of credit cards reported as late. What is the best way to improve my score? I know the usual paying on time and keeping balances low, but as I'm coming into some money now (finally sold my house), should I pay off debts or pay them down? How long will it take to improve my score?

My credit median credit score is 760. Shouldnt I be able to get the best rates available for a mortgage loan? When I tell a mortgage company about my credit score, it doesn't seem to help any in getting the best rates available. How much does your credit score "HELP" you? I know that it can hurt your chances of getting a good rate on a home loan.

What is the best way to increase my credit score to 750? I have a $200 credit card and paying a monthly $15 plus the 12% APR. How much credit points does it give me each month? What is the best way to get a quick credit score of 750 within a year? Will getting a credit card with $10,000 limit and pay the 12% APR and monthly payment for it? How much credit score points will it give me for it?

What is the best way to increase my credit score to 750? I have a $200 credit card and paying a monthly $15 plus the 12% APR. How much credit points does it give me each month? What is the best way to get a quick credit score of 750 within a year? Will getting a credit card with $10,000 limit and pay the 12% APR and monthly payment for it? How much credit score points will it give me for it? People have problem with credit card, I don't. Credit card are there for increasing the credit score. Having no credit score meaning you can't have access to mortgage or loan. What a trade line?

What is the best way to increase my credit score to 750? I have a $200 credit card and paying a monthly $15 plus the 12% APR. How much credit points does it give me each month? What is the best way to get a quick credit score of 750 within a year? Will getting a credit card with $10,000 limit and pay the 12% APR and monthly payment for it? How much credit score points will it give me for it?

What Credit score do I need to get the best rate without a co-signer? I have around $30K in private student loans that I had my brother co-sign with me on. I am paying Prime + 0% which is really nice, but I wanted to consolidate and use the LIBOR rate(which is lower then prime, I would save over 2K in 10 yrs by dropping just 1% point). I have what I think is a very good credit score (~760) and wanted to get the best rate and try to avoid asking my brother to co-sign again. Is my score high enough to go in alone without and co-signer and get the best rate? Thanks in advance.

Best site to get my credit score? Where is the best place online to get your credit score? & is there a website that will give you your credit score/report for free? I would definitely prefer a site that’s approved by the better business bureau. I’m well aware that if I run a report my score will lower slightly but I’m in desperate need to know what points I’m looking at…

what is the best way to repair my credit score? what is the best way to repair my credit score , i ran into a few problems last year and my credit score dropped , but now i have not one outstanding bill i just sold a home and payed off a 400,000 Mortgage i have zero bills and i just took out a few credit card to start the re buliding of my score , is there any othere way to up my score faster i also have a 500 a month car payment 3 new credit card that i use offen and pay most of the balance off every month , i also a a cell under my name ,, if i contunie to pay these all on time home much time will it take before i see my credit score move higher

Best way to pay off credit cards to improve credit score? As a college student, I've racked up some credit card debt. I have never missed a payment, and have always paid at least $5-10 over the minimum amount. My grandfather recently passed away and he left me quite a large sum of money. What would be the best way to pay off these credit cards? Should I pay half one month, and then half the second month? The goal here is to a) settle my credit card debt, and b) improve my credit score. The inheritance money will be released to me monthly until the amount expires (around $500 a month for the next 10 years). Any guidance/suggestions are greatly appreciated.

What is the best way to get my credit score higher and get my credit back in good standings? Right now I am in the process of paying off my debt. After I am done with that I thought it would be best if I didn't get anymore credit for about 2 years. This way all of my debt has time to be processed as paid off and I was thinking my score would go up a bit when it is fixed? Is this true? And is it a good idea to not get anymore credit for about the next 2 years? Also one more thing, I have heard that getting a divorce can make your credit bad? What does a divorce have to do with your credit. I mean if there is no debt left between the two parties(everything is paid off), then what makes divorce make your credit bad?? Any and all help would be appreciated!

What is the best way to improve my Credit Score within a year for a car loan?? I purchased a new car with a loan it was then totaled then payed off. I got another car loan by then my credit score took a hit with dealerships running my credit 30 times! I have plans to trade it in as I am not happy at the end of this yr. What is the best way to improve my credit score in a year so I can get the best loan rate possible??

If you want to raise your credit score would it be best to pay off your credit cards at the end of the month? Or would it be best to leave a balance and the end of a month to increase your credit score?

What would be best for my credit score if any? I owe between 1000-2000 dollars on a delinquent credit card (over a year delinquent). What would be best for my credit report and score? a) pay in full all at once b) pay in full over three or four smaller payments c) settle for less than the amount Anyone that knows a bit of this I would appreciate any advice.

what is the best way to remove negative items from my credit report and boost my fico score? what is the best way to remove negative items from my credit report and boost my fico score. i have late payments on there and a bankruptcy from 7 years ago and now i have no outstanding bills , but my credit score is still low , how is the best way and the fastest boost the score

Best way to increase your credit score? What is the best way to help increase your credit score? Especially if you have a foreclosure on it?

what is the best way to gain credit points on your score after paying off all you negative debt to zero balanc I want to know what the best way to get your credit score up is after paying off bad debt and a car loan to zero balance ? being that I have no bills and debt to pay anymore, what would be the best and fastest way to gain credit number to rise on my scores? would buying a car and getting a car loan help my credit score rise?

whats the best/fastest way to improve credit score? can someone please tell me the best way to fix a bad credit score. (i live in the UK by the way) I'v sorted out my finances now and paid off all my debts but i'm constantly being refused credit cos of my past. I'v had no ccj's, only missed payments.

what is the best site for get your credit score for free? Most want your credit card info and say it's a 30 day trial. like freecreditreport.com Then they want 29.95 to get all 3 reports. equifax ask for 14.95 what is the best and least expensive site, to get my credit score and report for all 3 buerues?

What is the best thing to do to bring up my credit score? Please read more...? I recently paid off a credit card and have not closed it yet because I have heard mixed reviews on what to do with it....some say to keep it open because it shows you can have credit, but that by not using it, it shows you budget well. The other I have heard is to close it because it shows that you have less liability out there in the credit world. What would be the best thing to do to help my credit score with this? PS- it's about a $5000.00 limit

Which is the best and cheapest way to get your credit score and report? Suggest me the best credit score reporter depending on the uptodate info.

What type of home loan is best for someone with 680 Credit score, no money down? I'm looking to buy a home. My credit score is 680, but I have no money to put down. What is the best loan option for me? A friend is buying a home and he says his rate is 1% and his mortgage increases by 1% per year. Not his interest rate, but his mortgage payment. That doesn't sound right to me. Any advice?

Best way to raise credit score is a CC? I checked my credit score because I need a small loan to help pay on the 2 loans I have now (auto and school), because I wasn't working for 2 months. There's a good reason for that, though. On my score page it said I had a bad balance of credit cards and loans out, and I should get a credit card to help even things out, bringing my credit score higher to qualify for a better loan that won't kill me. I know my credit score is a little low because it's new-ish (about a year and a half), but I've got to figure something out quick, or else the car note that I'm late on is going to hurt my credit score even more next tuesday. All that to say, does anyone have a suggestion for a CC for me to get that will help more than harm me?

Best way to raise credit score in 6 months??? Ok, my husband and I was d/c out of bankruptcy in Jan 07, we have only 1 credit card each that we just got and paid our first payment(we paid more than the minimum). We just got our credit scores from Experian and both scores are about 550. We don't want to get too much credit and over extend ourselves. We have a free&clear car, an apt, and I have a couple of student loans in deferment. So, we want a house in Fall of 2008, how do we get our score up in six months??? I'd like to see our score up to 650? Is that too much in a 6 mos period???

In trying to increase my credit score, which is best, cancelling my credit cards or...? reducing the balance to zero? Also, are there any other ways I can increase my credit rating over the next couple of months? I have no CCJs, and last time I looked, my credit score was 720 out of 1000 on Experian. All help welcome please! I want to apply for a mortgage in a few months time. I generally pay my balances in full every month, but should I reduce everything to zero and just do my food shopping and petrol on 1 card, then pay it off every month, using cash for everything else, or cancel the other cards, just using the 1 for food and petrol? I never spend more than i can afford to pay in 1 month, so can easily pay for things in cash instead, cards are just more convenient and mean i dont have to go to the machine every 5 minutes.

What is the best credit score? This is my first time to get a credit card, i have a equifax 730,transunion 729 ,experian 725 credit score and my credit line is only $1000 from bank of america,should i pay everything w/ my credit card? and paying them on time to get a credit increase? cause i keep applying for credit increase and they dont let me.

Which credit card is best for building up a bad credit score? I have A LOW credit score. I am in the process of paying off debts to try to repair my credit. There are numerous credit card offers that claim guaranteed approval for a fee. Iwould like to use any tactic available to help buildmy credit. I am however affraid to fall victim to the "SCAM". Does any one have a possitive experince or advice on the options or other techniques for rebuilding credit.

What is the best way to increase a credit score in US & what is the right way of doing if u have a credit card Well the details needed is if some person has just a credit card and not a lot of other loans on their names, what should the person do so that the person can increase the credit score to a good level and not have any negative impact. What all does the the person need to be careful of before doing so tht the credit score is not directly impacted. Is there a shortcut way of doing something which could creatively help increase the credit score?

We are trying to buy a home w/ credit score of 557..... Best way to improve credit quick? We plan on putting 40,000 down in a house priced at 165000. We also have an extra 20000 cash. We currently have 3,400 in credit card debt on a 4000 limit. Is it better to pay the debt down, or keep the money in the bank with respects to improving our credit score.

Best way to raise my credit score? I had a bad spot where I couldnt work and was int he hospital for about 4 months didnt have health insurance, all my savings were wiped out trying to pay rent etc while not working, my car got repoed and I couldnt pay my credit cards..lost a lot in a short time along with my credit score, 2 years later still trying to pay off stuff , my credit is in the mid 500, and I cannot buy a car house or rent an apt even tho I am working and making payments, I need to raise my score to the national average of about 620 to rent an apt, whats the quickest, smartest way to approach this and are there any agencies out there that would be available to advise me without putting back me in the hole. I liked what rowdy said where/how do I get a read copy of my report, all my cards were cancelled, just got a secured m/c and making payments on time , a friend co-signed a carloan and I have made payments on time for the last 1.5 yrs hoping that should help

whats the best website to check credit score? i dont have a credit card to get my credit score? all the websites i have been on to ask for a credit card number to get the credit score. any free websites out there?

What does my credit score need to be to be approved for $2000 credit at a store like Best Buy or Circuit City? I understand that it is tougher to be approved to by things like electronics or furniture, I have a credit score of 630, and very little CC debt.

What is the best way to improve credit score if I have no credit? I am debt free and have been since my bankruptcy over 12 years ago. I recently looked into getting a mortgage, but was told I can't get one because my credit score is too low. I went on freecreditreport.com and got a copy and there are some things on there that are not identified, and I don't know what they are. So, how do I have those removed? I am assuming that will improve my credit score so I can get a mortgage. Advice is appreciated!

What is the best way to fix my CREDIT SCORE? I think my credit score is funked up. I used to own a house and I missed a payment or two when I was laid off from my job. I sold it and I paid off all my credit cards. I recently applied for a credit card and was denied. I need to fix my credit score. Any suggetions? I dont have any bills because I PAID OFF ALL MY CREDIT CARDS. I cant even get credit to pay down the bills early.

best way to find out your credit score? i know there are tons of online "services" that say they can find out your credit score. are these for real? i need to know my credit score...

What is the best way to raise my credit score? I have good credit but am trying to improve my overall score.... I have a major credit card and a major store card and keep both balances low/pay them off, house loan, car loan and all accounts paid on time. Do I need to obtain more credit to improve the score or should I make a major purchase such as a new car?

What is the best way to boost my credit score? I have poor credit and filed for bankruptcy late last year. I have not really tried to rebuild my credit. I have not applied for any credit nor tried to finance a new car - though tempting. How can I boost my credit score legally?

the best site to get your credit score!!!? just click on credit confusion and enter afew of your details and your credit score comes up within seconds.try it if you want to know it!!! i just thought some people out there might find this information usefull. and its a free site

What is the best solution to repair your credit score? I have a low credit score. do i need to hire someone to reapair it, and who? wanting to try and buy a house in less than a year and i want to have a decent credit score.

What is the best way to Improve my Credit Score.? My score is 658 now. I have 6 open credit cards with about 20,000 balance. I do make all payments on time every month. I want to raise my credit score to above 700 level. I am in the process of refinancing my mortgage. Please Help.

What is the best way to Improve my Credit Score.? My score is 658 now. I have 6 open credit cards with about 20,000 balance. I do make all payments on time every month. I want to raise my credit score to above 700 level. I am in the process of refinancing my mortgage. Please Help.

Best way to raise my credit score about 40 points in a very short time? I need about a 640-660 to get some credit that i need to be able to balance transfer my debt to a lower interest card with less monthly payment but i only have a score of 605 Im always on time with payments but the debt isnt going down even though i dont spend any more on the cards Interest is super high and eating my monthly payments so how do i get out of this?? I was told that leaving accounts opn with 0 balance is better due to the fact it shows you have high credit you could spend but you havent spent it, i got advised to rais my credit limits if the companies would give me more credit and then just not spend it as the more credit yopu have unused the better your score, plus if i had the money to pay of the cards i would have done it already, im in this position coz i dont have enough money to pay them off only the minimums of which the interest eats it, hence why i need to balance transfer it all to lower interest card. oh and as for the comment about getting a second job, i run my own business and i have applied for every job i find to supliment my income until my business picks up but nothing works out, i never get replies or interviews and there jsut isnt many jobs going at the moment, so im kinda screwed, gonan be in big trouble soon if i dont lower my monthly payments and interest, can barely afford to feed myself as im making sure the debt payments come first soa s to never be late or hurt my credit more. As to the answer about asking for lower interest or getting a lower interest card well thats what im trying to do unfortunately i cant wait 3 months, im paying over $120 a month and i am cutting food bills and other important needs to be able to pay this and i cant go on like this forever, i have tried a card transfer and my credit is just short of being eligable to do that, and since the interest on my cars practically takes all the minimum i pay each month it never seems to make the balance go down hardly any, i cant afford to pay more than absolute minimums or i wouldnt be able to afford to eat. Im not really worried about my score jsut worried that since i cannot afford to barely buy food as well as paying my credit each month, im worried that a day will come when i am short and my credit gets bad because of a late payment I have bent over backwards to make sure i never pay late and always pay the minimums plus if i had more i woudl but i never do have enough to pay more I have tried applying for different loans and credit cards to transfer or pay off the current debt and have a lower interst but it always ends with me being denied and then thats one more thing on my credit report lowering my score making it even wors so i have no chance of getting credit to pay this stuff off, i have 3 cards with capital one so i suppose i could try contacting them and seeing if they can do anything to help and the same with my 4th card. Just to add, i HAVE tried all forms of consilidation, balance transfers and the like, consolidation companies say they would double my monthly payment which is out of the question as i am trying to reduce it, and my credit score is too low, just, to get any kind of credit card to which i could transfer all my balances from all my cards. No offence but to the peole trying to get me to click affiliate links to companies that probably earn them money if i use their service, forget it, if iw anted to use a compny i would find their site myself and be sure it was legit

Is this the best way possible to establish the highest credit score? (I have 1 year of making my auto loan payments on time and no previous credit history.) 1) Go to my bank and take out a CD for $2,000 that pays interest. 2)Get a secured loan for $1,000 against the CD and pay it off in a year on time. 3)Take $500 to a different bank and establish a security deposit account to qualify for a secured credit card. 4) Repeat this once more at a third bank. 5) Use both credit cards but never charge more than a maximum balance of 9% of the total credit card limit. 6) Pay the minimum payment on a bi-weekly basis by splitting the payment into half. According to this FICO score estimator my resulting FICO score would be 735-785 in 1 year. http://www.bankrate.com/brm/fico/calc.asp

What is the best way to increase my credit score from 580 to 620.? I have 50,000 in student loans that have been in forberance. I have 2000 in old credit card debt and have a credit card in good standing for two years. I have 10,000 saved and would like to be efficient in raising my score, so I can get property in a year. What is more effective to raise the score by 40 points.

what is the best way to pay your credit cards to maximize your credit score? Is it better to pay off your credit card statement in full each month or should you leave a small balance each month, like $5? I've heard conflicting things. For example, paying each bill in full is better for your credit score versus leaving a $5 dollar balance. I've heard leaving a (small) balance is supposed to show that you know how to pay off a debt and help your credit score even more. I don't know what to believe. Your thoughts?

What is the best and fastest way for my husband to raise his credit score by 40 points? We want to refinance to lock in a fixed rate. (and possibly pay off around $10,000 in credit card debt- but that is not necessary) He has a few late payments on a couple smaller balance accounts that are screwing up his credit score. My credit isn't that great either, plus I don't work (Stay at home mom) We owe $190,000 on our house and it's been appraised (by a relator/friend) for at least $360,000. We know that his credit score will affect the refinance process but we have a few months to try to improve his credit score. Any ideas are much appreciated

What is the best way to inprove my credit score? Some I get additional credit cards- don't worry I have always used my credit cards only to pay for gas. I always make all of my monthly payments on time. What are other ways I can quickly improve my credit score?

What would be the best credit card for a 25 yr old to inprove her credit score? My daughter is trying to build good credit. Her credit score in low and she just bought a small moble home for her family. I want to help to build her credit up, just in case she may need to buy something big ticket some day.

If you payoff a credit card what is the best way of closing the account without hurting your credit score? I have one credit card with a nice size credit limit and a debit card that I want to keep. I have a few with small credit limits that I can payoff and would like to close out without hurting my credit score. what would you suggest?

where do you find the best credit score for your-self? credit score/or/history of debt.

What is the best way to raise my credit score? i have paid everything that was on my credit report and since then my score have only moved in 1 direction, down. Can u please tell me how to get my score up.

Which cards are best for building up credit score? Are there cards which are better for people with a low credit score? I live in the UK!

Whats the best way to build a good credit score? I want to build my credit but I have none since I just turned 18 a few months ago. I wanted to get a credit card to help build it and to use purely for emergencies but of course none of the companies will approve me, how can I start building my score?

what is the best way to build ur credit score? I have minor stuff in collection and ive been told that it doesnt effect me much. should i pay it off? would that improve my credit score after its been in collection?

Which is the best website to view a credit report and score? I'd like to get my credit score and report for under $20. I am not eligible for a free report from annualcreditreports.com because I checked that less than a year ago. I'm also not interested in making monthly payments, I'd rather pay a one time fee for the reports.

What is the best way for me to improve my credit score? I am currently a college student who has managed to rack up about $3000 worth of credit card debt between the ages of 18 and 19. I'm interested in straightening up my credit score but will paying off the bills alone do it? Or are there also other steps I have to take?

what is the best APR rate when u refinance the car? my credit score is 675? i'm planning to refinance my car,,, last year,i got my car at 9+% rate which i think was high but i had no choice then coz my credit score was bad, but i tried to rebuild it and right now my credit score 675? do u think i can still get lower that 9+% APR if i refinance it?

What is the best and quickest way to raise my credit score? My credit score is low. I have recently paid off all my major debt. I have about 6 K in savings, no outstanding debt, creditcards ect. I want to buy a house in the next 2 years. How can i raise my score? Thanks

What is the best first time credit card with the lowest rates? I have a credit score of over 700.? My score is good but, I have not established any credit.