Credit score question

Your credit score is a based on a mix of criteria. There may be no other way to increase but time since length of credit is one of the items. Without knowing more details this is hard to answer.

That's an easy fix. I will help you by analyzing your credit and give you options on how to improve it at no charge. Please feel free to contact me at435-313-7400 or 702-947-7827Five Star Mortgage8965 So Pecos Rd. Suite 10-AHenderson, NV 89074I have helped dozens of borrowers clean up or improve their credit. I've been doing this for 10 years.Lisa Schaerrer NMLS# 300652

Without a copy of your credit report it would be hard to tell, but I do have a tool (program) that costs you nothing that can give us an ifead what you would need to do to raise your FICO socre and how long it would take to accomplish. Please call me to discuss.Kirk AndersonSr. Mortgage ConsultantBNC National Bank877-262-4050kanderson@bncnationalbank.com

without looking at your credit report, no one can know for sure why your score is what it is.. however in general, credit scores are primarily driven on 3 major factors.. Payment history, Amount you owe, specifically revolving (credit card) debt, and length of credit history.. Borrowers who have been "In File" for 30 years, will have a better credit rating than those who have only had credit for a few years.. Credit card debt is the one area where you can have the biggest impact in the shortest amount of time.. if you maintain balances above 25% of your available credit, you're affecting your credit score negatively, so paying down your balances below 25%, you can raise your score within 30 to 45 days.. but if you have several credit cards, and none of them have a balance, you can have a lower score from that as well. but the biggest impact to your credit score is payment history.. and credit reports are driven by the "Here and Now".. meaning the most recent data will carry the largest weight in determining your score. If you have a late payment from last month, it could drop your score 75 points.. if you have a late payment from 3 years ago, it might not affect your score at all.. Now If your score is 700, you should have no problems in getting financing.. and there probably wont be a major difference in your pricing if your score is 720 vs. 700.. and if your contemplating a purchase, you should absolutely do it now.. the difference in your rate from a 700 score vs. 720 will be far less than the increased rates that will be available 6 months from now.. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

If I was in your position, I would seek independent, 3rd party firms that specializing in credit review and guidance. Firms such as eCredit Advisors and Rising Point do just that. The is a fee for their services based on what needs to be accomplished, but that's all they do. As with any financial service, due diligence is paramount.Contact eCreditAdvisor at pmartinez@ecreditadvisor.com and/or Rising Point at Tyler@risingpointsolutions.com.Best wishes.

So - ReadyMan - what did you wind up doing to increase your score?