How long does it take to raise credit score?

How long does it take to raise credit score?

I have a credit rating of about 620 and I have a debt of about 13,000 I can pay it all off in full in the next couple months, and was wondering how much that might raise my credit score if any…. How long would it take me to get into the 700’s if I paid off my Credit cards, then paid everything else on time? I know there is no 100% answer but any guessitimates would help me out…. Thank you for your time.

Related :

I have a credit rating of about 620 and I have a debt of about 13,000 I can pay it all off in full in the next couple months, and was wondering how much that might raise my credit score if any…. How long would it take me to get into the 700’s if I paid off my Credit cards, then paid everything else on time? I know there is no 100% answer but any guessitimates would help me out…. Thank you for your time.

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Is it true that if you check your credit history online that your credit score will decrease?

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“”Personal Loan, and how to pay back?””
I`m opening a business and a person has offered to loan me $10,000.00 to help me to get started. I need the formula to figure out the payments with a set interest rate over 1,2,3,4,5 yrs. etc.””
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Need to refinance my auto loan?
Im trying to find a bank that will refinance my auto loan. Its a 2006 new gmc sierra and my apr is around 18%. Im in Florida near cape Canaveral, in the military. I tried Chase and the don’t do cars that old and bofa sent me a denied letter. My credit score is good, just trying to find a bank that will actually give me yes. If there isn’t a way to refinance would taking out a personal loan be another option?””
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Auto Loan Payoff — Reducing Principal?
I am upside down on a car loan (owe $16K, the car is worth around $11K), will the bank holding the car loan negotiate with me the principal owed (reduce it) if I sell the car and want to pay them off even if I have to take money out of my pocket to make up the difference.””
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Can a collection firm call and threaten u 2 have u arrested and license suspended?
I wrote a check 4 years ago for a payday loan and later i was laid off from work .I have since moved twice and never heard anything else from them until last Friday when this suppose to be Rep from William Scott and Associates started calling and Harassing me with phone calls everyday.What can I do?
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#repost

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1yr1m credit history for chase sapphire preferred? TU 741 equifax 737 fico 732?

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Can you be prosecuted for not paying a payday loan back?

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How hard is it top get an auto loan with little or no credit?
Just turned 20 and my ’95 Volvo has stopped running. Looking to buy a car. I have 2000 saved up. Rake in about $1000 to $1200 a month from my job. However, I have little credit build up. How hard would it be to get an auto loan? Thanks””
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I want to know the best way to get an auto loan for a new car? I have average credit & car I just paid off?
I make $17.00 hr and have 4credit cards in good standing totaling $15000 in debt. Where is the best place to get an auto loan for a new Honda accord. My rate will probably be high but I plan to pay it off early like my last car.
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“”How can i get 2,000–3,000 in 2 days?
i really want to buy this car and im short money. i am 20 years old and i have always paid my bills quickly. i was looking into some of these quick online loans since there the only people that can get the money to you soon enough. they say if approved u can get your money in 24 hours. can anyone point out any good websites or alternatives
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A debt collection agency is threatening to take me to court if I don’t pay up $250 by today what can I do?

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#repost

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Get 300 dollars today?
My boyfriend just got arrested the other day. I need 300 dollars today to get him out and it’s a sunday…what can i do for money? I don’t need any of the just break up with him answers because i knew what could happen. I’m trying really hard to get him out and i just need help finding something for money. I’ve even tried selling his ps3 for 300 but i only have broke friends. I was thinking about getting a payday loan tomorrow but my mom said they won’t accept my starter checks…so someone please help me out!!!
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Can one get rid of student loan by filing bankruptcy?
can going bankruptcy clear student debt/loan?
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What happens if you don’t pay a payday loan?

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What does it mean if my mortgage company accelerates the loan?
Our mortgage company gave us until January 10 to pay a certain amount of money. They said if its not paid by that date they will accelerate the loan. What exactly does that mean?
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“”After mortgage loan has funded and the deed recorded, can lender then cancel?””
Found out from the lender they received the last doc they needed signed from the seller from escrow and now it is with the Funder who needs to review for accuracy before funding, was assured its not a matter of if, but when it will Fund today. My agent will request special recording so that we can try and get the keys today, thanks for all your help, we’re almost there””
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Does anyone know where the hermes depots are?
I live in the south west about an hour from Bristol btw.. I purchased some shoes from Size? Yesterday on next day delivery and I went onto the tracking website which is Hermes and it said they had been dispatched at 5:00am this morning. I was trying to figure out when they’ll get here? I know its hard to determine but anybody with a rough guess would be great
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Looking for personal loan of $5000?
I have too many payday loans out and I need to consolidate them into one loan
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#repost

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Bank Loan. APR Extremely High?
I have just been offered a high int loan from a major bank. Int rate advertised as 5.9 but also states that it can vary. I was offered 18.9 apr. Why? I have a good income and monthly expenses are 66% of what i earn with plenty of room to pay the loan at advertised rate. I am registeted electorol at my property but rent. Ive never been in the red. Never had a loan before. All accounts managed well. Experian and equifax have me at mid good range ( one group below excellent) I have a credit card that i use to get to the credit points. Ive been good to the finance system. Could it be because i dont have a backup payment. No property in my name and no car (thats what the loan is for) Can someone give whys? Please no answers like THAT WHAT BANKS ARE LIKE.
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Where can you find out your credit score for free?
Thanks, I already knew about the free credit report, but it doesn’t give your score, I just want to know what my score is.””
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“”I filed for bankruptcy before my wife and I got married, can we open a joint savings account?
Without it hurting her credit? Thanks!
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“”If I was to file bankruptcy on my house, how long after would I have to get out?””
We have already filed bankruptcy but we were told by our lawyer we have unitl july to put the house on the bankruptcy if we want, we are just wondering if anyone has done this or knows someone who has and can give us an approximate time of when we would need to find a place to rent…we have been told that we could live in our house for up to 1 year before the bank does anything”How long does it take to raise credit score?

I have a credit rating of about 620 and I have a debt of about 13,000 I can pay it all off in full in the next couple months, and was wondering how much that might raise my credit score if any…. How long would it take me to get into the 700’s if I paid off my Credit cards, then paid everything else on time? I know there is no 100% answer but any guessitimates would help me out…. Thank you for your time.

“
Filing chapter 13 bankruptcy?
I’m filing a chapter 13 bankruptcy in order to get my license back. (No I never had a DUI or DWI) I was young and used to race and kept getting caught. Along with those bad judgements I have a low FICO score for a eviction that occured when I went to jail and I have a criminal record now. I also have an attachment on my checking and savings account for Child support because I fell behind and I owe about $1600 on it. I also have a $12,000 car I owe and it was repossed.The total I have in debt now is around $25,000 dollars. Now I am making some payments but with a low paying job and no license I am seriously falling deeper behind. Would a chapter 7 be a better choice since I can make payments under the states repayment program on my license to get them back or go total with everything and put it under debt reorganization chapter 13 bankruptcy? Some of these debts cannot be discharged since they are government debts.””
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Can I get a loan for 12K with a 650 credit score?
Here is the situation: I want to refinance my car, because I have a very high interest rate, my credit score (somehow) was much lower when I financed the car. Current on all of my bills Small amount of credit card debt Salary this year was 37,300 (THAT includes the base salary plus over time so I am NOT guarunteed to make that again) Rent- $600 per month I chose a credit union through my employer, and I find it odd, but the credit union ONLY has 1 rate. 1.99%. This is probably WAY to low for me since I have a lower credit score. Is it likely that they will approve this refinance? Consider the debt to income ratio, etc?””
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#repost

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Should I cancel my Student Credit Card ? Need Advice !?
Hi all, I have VISA student credit card that I had since my sophmore year in college which is 7 years ago. They started me out with $500 initially and now my credit line slowly increased over the years to $8500. I dont have a balance on it as i only charge my $35 monthly gym membership on it and pay off when bill comes. I have another Credit card which is another VISA but it is a platinum with $20,000 credit line with $800 a balance. I only have 2 credit cards and they both are VISA, Im thinking about applying for a Master Card and cancel my VISA Student credit card. Will canceling the student credit card hurt me or not canceling it will help my credit as I ahve had this card for 7 years and NEVER once late payment. My credit score is 776 and I’m just trying to do my best to keep it in good shape. Please let me know if I should keep the Student Credit Card or Cancel Iit. Thanks for all your advice in advance. PS: i heard it is good to have a Visa and a MasterCard for your credit?””
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Which is a more efficient way to increase my credit score?
Should I obtain a credit card balance, and then quickly pay it off? Or should I simply not use my credit card at all?””
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Where is a safe place to get an auto loan from in Utah with no credit?
I’m 18 (turning 19 in October), i’m living out on my own and have a well paying job. I need a car. Problem is is that when i went to my bank to apply for an auto loan they turned me down saying i didn’t have any credit. The only way to get credit with them apparently is to open a line of credit and have it open for at LEAST 6 months. I can’t wait 6 months to dick around with a credit card, and i need a car to get to and from work with more ease. Also i’m starting a job out of state that would require me to drive up there every week and I could come home every weekend. Any suggestions? Real answers would be apprecitated. Thank you!””
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#repost

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100 dollar riddle?
u have no money. u borrowed 50 dollars from jeff and 50 dollars from jessica. so u have a total of 100 dollars. u then bought a shirt worth 97 dollars. so u had 3 dollars of change.u gave 1 dollar to jessica and 1 dollar to jeff. and kept the remaining dollar. u still owe 49 dollars ea. to jessica and jeff. but when u multiply 49 by 2, the answer is 98. add the other dollar u have. which equates to 99 dollars. which means there is a dollar unaccounted for. what happend to the other dollar?””
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Buying a used car? Auto Loans?
I am looking to buy a used car, but I’m on a relatively tight budget. I don’t want high monthly payments, and I’m willing to do a longer lease term. My question is, where do I find out information about car loans? Should I be pre-approved before I even go to the dealership? And if they run a credit check is it a hard hit on your credit? I’m just having a really hard time getting some really good factual answers. What’s a good interest rate? Are these online loan places legitimate? How do dealerships calculate how much they’re willing to finance? and how much you qualify for?””
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Can a creditor send a debt after bankruptcy?
I just got discharged from a chapter 7 bankruptcy. All my creditors that were on my credit report have been discharged. A creditor for an account in 2005 has sent me a notice to collect. It was not discharged because they did not put it on my credit report for 2010. Can they still collect?
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What Renaissance belief helped prepare the modern world for democracy?
People should do good works and focus on the afterlife. Individuals should help society by developing their talents. Individuals should focus on a better future life. Citizens should rely on their leaders to mold society and government.
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What are the best pellets to use to shoot rabbits or rats from my Co2 air pistol?

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Mortgage Refinancing while making Chapter 13 Payments?
In November 2010, my wife and I filed for Chapter 13 Bankruptcy. Since then, we have been making payments to our trustee without fail. Additionally, we are paying back the full amount of what we owed sans interest and penalties. Given the historically low interest rates, my wife and I would like to refinance our condo. However, besides getting approval from our trustee, we will need to find a lender who is willing to work with us to get it done. Like so many others, our condo is under water, but we have always paid on time. Our current mortgage is FHA insured and has an interest rate fixed at 5%. If possible, we would like to get another FHA loan with a fixed interest rate that is lower than what we have now. We are not interested in any adjustable rate products. Reply if you can help.””
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Can I pay my Credit Card before Interest is applied?
Suppose I charge $200 to my credit card & APR is 7%, And I want to avoid the 7% APR, is it possible to pay it off before the APR is applied? (Example, pay with in 20 days?) If so, would that Still help my credit score? Cause I know when I charge stuff, & wait to get my bill in the mail (Which has the APR Fee’s) I know it helps my credit score, when i pay it on time & all that. Also, what if I paid my entire Credit card off every month. Suppose I charged all my bills, example ($700/month) To my credit card, & paid it off before they apply APR fee’s. Would it help my credit Score? Would it make any difference? thanks guys, & May god bless you!””
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What should we do if bank messed up our mortgage loan?
We finally found a property that we like, but it turned out to be a detached condo. Our bank gave us a great quote on the mortgage rate that we decided to lock, and two weeks before the closing and approval of the loan we were told that the property was wrong and the original loan won’t fit our property type, and in order to continue we have to pay additional 5% down and also a much higher mortgage rate. At this point we can’t afford the extra 5% and had to decline the loan, but we already paid the home inspection ($300) and the mortgage processing fee ($600). We will get the fee back with the bank declining our loan but not the home inspection. Our feeling is that the bank has messed up toward the beginning, are we entitled to the reimbursement of the inspection as well? Also now we had a declined loan and credit check on our record, will we get affected for our next mortgage application? Any help will be great.””
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How much money can I get for a home loan? And how likely am I to get a loan alone?
My credit score is 702 as of today. My total monthly expenses including electricity, car & car insurance and monthly credit card bills totals $945.00. My monthly salary is $1182.00. Last year I grossed about $32,000. I have been employed for over 3 years with the same company, and have had no bankruptcies or collections. I am 24 years old and ready to buy! I live in Miami, FL by the way…boo. lol.””
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No credit auto loan !!!?
I’m a student and looking to buy a car. I found a Mazda 6 worth 4500. I have 1500$ in cash. Dealer doesn’t finance. Banks require at least 4 credit score. I live in Chicago il. I work and go to school and there is no public transportation in Chicago suburbs. Is there anyway to get 3000$ without a high interest ? Thanks.
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What would my interest rates be on an auto loan? I’m 18 no credit.?
I want to take out a loan for a 2004 BMW 325I. Im a entering freshman, but i have college paid for and my only expenses are insurance and phone. The insurance(full coverage) will be $140ish a month. The loan is $12,990 and I want to get it for 5 years. I can make a $3000 down payment. I could pay it off in less time, and also make a bigger downpayment but I dont want to empty the piggy bank or live on my limit. I want to buildup my credit, and plan on paying off the full debt in a year, I’m making sure they will not charge me for the full interest of the loan when I pay. What would my interest rate be? I do not want to get a cosigner, and also what places could I go to get the loan besides the dealer? Ive gone to Bank Of America & Bank of Bartlett and both need the car to be older then 2006.””
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#repost

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“”Best budgeting strategies while unemployed, yet receiving unemployment benefits?””
i would like as many opinions on this as possible; strategies and suggestions, and i appreciate it in advance. i *am* employed at the moment, but looking ahead not in a pessimistic way, it’s possible i might become unemployed soon. i am still sort of young i suppose lol (27), and i know there have been a lot of people out there that have been unemployed for a long time; over a year, who may have a few years on me-and those are the people i’d like to hear from. i’m not sure how much i’d expect, but i know it wouldn’t be a lot. i don’t have many bills to pay thankfully; really my credit card bill which i put most of what i earn biweekly towards, and college loans (which are really cheap). i know this doesn’t sound like much, i know there are a lot of people out there that have A LOT more to have to pay..A LOT more. i was wondering what do you do to get by; especially comfortably; well, as comfortably as possible. i’d assume you put aside enough for bills to ensure you pay those off, but lets say they’re really expensive; how do you go about putting aside money for other things-whether it’s leisure”””” activities or towards other things (gas””
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If someone were to file a chapter 7 bankruptcy would that effect their tax refund if it were under 1300.00?

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#repost

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What is the interest rate/apr of someone that has no credit?
I’m buying my first car from a private dealer, and before I contact them, I wanted to figure out what my monthly payments would be. How do I do this with NO credit? I’m still a minor, and someone said the APR would be about 9%. Is this true? Thanks! :)””
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I need a bad credit loan. Just purchased a home and really need a payday loan but they are not offered in GA.?

“How long does it take to raise credit score?

I have a credit rating of about 620 and I have a debt of about 13,000 I can pay it all off in full in the next couple months, and was wondering how much that might raise my credit score if any…. How long would it take me to get into the 700’s if I paid off my Credit cards, then paid everything else on time? I know there is no 100% answer but any guessitimates would help me out…. Thank you for your time.

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#repost

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Where can I check my Credit Score for free?
I use to be able to do it on wamu.com since I had my account with them. But it became chase & now I don’t see the option to view my fical score so where can i check now? a good safe website, that doesn’t spam me up in return. if there are any? thanks guys! god bless you!””
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#repost

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Since payday advances are illegal in georgia where I live anyone know where I can get a loan until payday?
I;m looking for a loan until my next payday problem is due to downsizing on my job I have bad credit .Anyone know of a bad credit loan company in georgia
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#repost

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“”Is there a free website where I can check my credit report, with no fees at all?

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Has anyone ever returned something to Sephora?
I’m just trying to figure out how long it would take for a refund to post to my debit mastercard. Their website says it can take up to 30 days…I’m hoping it doesn’t.
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Where can I find a auto loan for 15% or less with not so good credit?
Just bought a car and got 25% financing, which really escalates my payment. Help please.””
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Will an apartment eviction hurt your chances of buying a house?
I may be evicted from my apartment and am wondering if this will hurt my chances of buying a house.
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How can I get a better credit card?
I have two cards that have low credit limits, and I have one paid off and another one almost paid off. But they both have high annual fees and high interest rates, which I want to change. I do not want to just cancel the cards, because I’m trying to get a better credit history. I declared bankruptcy four years ago. I would really lke to consolidate these into one good credit card, just to have a line of credit open, but with a lower rate. How can I fix this without a bunch of inquiries and potential lowering of my score?””
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Can i pay credit card bill with credit card?
Please specify how to do that?. is there any website to do the same?.
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Bad credit auto loans?
I’m a student and kinda stuck in getting a auto loan. Basically, I need a car to get to work, to get a car I need a auto loan, to get a auto loan I need a job (to show the proof of employment). So, how am I suppose to get a auto loan with a bad credit, no co-signer and no employment? I would really appreciate any help!!!””
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What are the advantages and disadvantages of credit cards?

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What site do you go to for your once a year free credit report?
Every web site I try wants me to sign up for something. I heard that the government says you get one free one each year. Anybody know how????
“”
How to determine the value of a company? What equation do you use?
I’ve been watching Shark Tank for a while now, but I can never figure out how the Sharks find the value of a company only knowing two variables: the wished for equity (or stake in the company) and investment. Is it: investment x equity ?””
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Can i file bankruptcy(chapter 7) in texas where i currently live even though i’m still a colorado resident?

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Where can I get a 100% free credit report? Without lowering my score?

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Is it possible to get a $3000 loan in a week with bad credit and partime job?

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Can a company bill you after you file bankruptcy?
I was wondering if it is legal for a company (now a debt collector), who has been included in the bankruptcy to send the person a bill five years later?.hmm Thankyou””
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What is minimum credit score for Capitalone blank check or other auto loans?
My credit score is 609 Transuinion 619 Equifax 597 Experian and I plan to apply for Capital one Blank check or other auto loans and I am not able for any down payment. I plan to borrow $7500-$10,000 to get a used car. Will I be able to do it? anybody applied for Capitalone auto loan and got accepted with credit score of under 600? please help me…..””
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SSS Loan Status is Check generated?
according to SSS online account, my loan status is Check Generated dated today 09/06/13. I’m just curious coz our company releases the check every Monday only. If it says Check generated already does that mean they already forwarded the check to my company or do i have to wait for another week before they will send it to my employer? pls help. If it says Check generated, what do i need to do? My employer said they dont really send out notifications if the check is ready. I have to check it first with my loan status online. Im confused. :(“”
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I have 2 credit cards and want to file bankruptcy.?
I want to file bankruptcy due to 30,000+ in medical bills, will it effect my 2 cards I now have? Will they be excepted in the bankruptcy?””
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Why is there a need for organizations like Opportunity International? cant poor people get loans?
why is there a need for organizations like Opportunity International? can’s poor people get loans from banks and other sources? just wondering what peoples’ thoughts are on this
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What happened to the guy that sang in those freecreditreport.com commercials?
i saw they got a new band and a new website
“How long does it take to raise credit score?

I have a credit rating of about 620 and I have a debt of about 13,000 I can pay it all off in full in the next couple months, and was wondering how much that might raise my credit score if any…. How long would it take me to get into the 700’s if I paid off my Credit cards, then paid everything else on time? I know there is no 100% answer but any guessitimates would help me out…. Thank you for your time.

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