Posted by Hobo,NC on January 12, 2020 at 08:40:38 from (75.137.54.87):
In Reply to: Credit score? posted by Ultradog MN on January 11, 2020 at 16:09:52:
I had one issue that affected my credit score a hospital wrote it up they had to send it to a collection agent the agent was the hospital. The mistake was the hospital they over billed me it was corrected BUT they listened it as a collection among other useless words :evil:
I wrote all 3 CC reporting agency's they told me to go pound sand to them it was nuttin to worry about. I was at 700 to 725 the only debit I had was a new bota tractor it took 7 years for the hospital deal to go away as soon as it did my score went to 790 as soon as the Bota was paid off it went to 832.
What gets me is someone can write a issue up wrong you can not rectify it...
There are several ways to boost a score.
1) get a pre-paid credit card say $200 use it a few mo's pay it off each time you use it then let it lay for 3 mo your score will POP to 700.
2) list someone say a son as a authorized user on one of your cards don't tell the son in 3 to 6 mo their credit score will have a dramatic rise. Its a free ride for them with all the benefits of a high score it will not affect yours...
Its been said a score of 700 is just as good as a score of 850 what they are looking at is you pay your bills on time and not a deadbeat... I believe there is merit to this it shows you can manage unsecured debt (Credit Cards)
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