Is there really...
a system to increase your score in 30 days or is that just hype:eek:
Mostly just hype. They most likely just go over your credit report with you and tell you to contact anyone reporting problems and try to resolve the issue with them.
i wonder is there a way to doctor your scrore add phony big purchases to your credit score that way it boost your score
I believe that it's hype. If you can boost your score in 30 days I'm sure it's something you can do on your own without having to purchase some system.
its hype.. like a mortgage company offering teaser rates to get you in.:)
right. Its like those "cash back" offers when buyng a house or car. You don't really get any money back, it's just taken off the principal. I think though if you get your credit report and immediately put into writing effects that you want changed, that could have a bearing on a bank or creditor loaning you some money. So I in essence, it may help you out credit wise within 30 days, but you won't actually see a difference in your score. good luck!
yeah but the dealer keeps the rebates which is wrong
Here is another system that works for a quick jump up in credit score. Say you have 4 credit cards, each with a $5000 limit. You have nothing on 3 of the cards, but the 4th card is almost maxed out. Transfer the balances around evenly so your balance to available credit ratio is not too high. This will immediately raise your score by several points.
[QUOTE=Xenigo123;201]Here is another system that works for a quick jump up in credit score. Say you have 4 credit cards, each with a $5000 limit. You have nothing on 3 of the cards, but the 4th card is almost maxed out. Transfer the balances around evenly so your balance to available credit ratio is not too high. This will immediately raise your score by several points.[/QUOTE]
Agreed, but you should also add that it will hurt your credit if you close credit card accounts that you don't use, as that also will add to your balance to available credit ratio.
I guess that makes sense. But then, I wonder, would the cost of additional interest and the annual fees of the additional cards be worth saving those points?
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