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Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51357178 added 07-01-2012 8:47 AM by discostu58 in Archived Deals
Add her as an authorized user, this won't give her a card but just put her on the account. As long as you are paying on-time this will help her credit out. If you pay off her loan, just be...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51357272 added 07-01-2012 8:54 AM by vaultaddict in Archived Deals
Why do you want to improve her credit score? What is the goal?
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51375538 added 07-02-2012 7:26 AM by Dr. J in Archived Deals
The agencies started cracking down on that. There actually used to be (still is?) a service where people with shitty credit could pay someone with good credit to add them as an authorized user for a...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51386992 added 07-02-2012 2:57 PM by Pezzy in Archived Deals
As far as I'm aware, the only bad things on her report were the accounts in collections (more on that below) and some late payments on her student loans. She has no other lines of credit. I...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51399856 added 07-03-2012 6:10 AM by sushigaiden in Archived Deals
Because big brother now seems to take care of little sisters needs. Parents are too old to do anything.
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51493728 added 07-07-2012 12:55 PM by KevinM822 in Archived Deals
phonic is offering great advice for you. Your best bet is to take his advice and head on over to creditboards because you can turn her score for the better in quick time, but with a LOT of work.
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51375360 added 07-02-2012 7:18 AM by Pezzy in Archived Deals
Thanks for the helpful advice. I keep getting things from Chase about some balance transfer special, so I'll give them a call and see what they can do for me. I'll also get her authorized for my...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51392770 added 07-02-2012 7:37 PM by financechick in Archived Deals
it's on the way http://www.nytimes.com/2011/12/03/your-money/credit-scores/corelogics-new-credit-score-exposes-even-more-of-your-financial-life.html?_r=1
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51393014 added 07-02-2012 7:49 PM by sushigaiden in Archived Deals
Wow..........thats crazy. Okay I was actually gettin ready to asks a quesiton but its typically threadjacking I'll pm you.
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51394576 added 07-02-2012 9:16 PM by sushigaiden in Archived Deals
So for the young up and coming 18 year old. Whats the best way to start there credit going besides a credit card, I would hate to give my little sister something like that. She go crazy.
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51357952 added 07-01-2012 9:36 AM by hAvAAck in Archived Deals
There are better ways to fix credit. www.creditboards.com
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51392236 added 07-02-2012 7:10 PM by sushigaiden in Archived Deals
If for some reason this 30 year old female is still not responsible with her money than you sir have issues. I've heard that putting utility bills under her name and pay it off and that should help...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51393322 added 07-02-2012 8:06 PM by phonic in Archived Deals
Coming maybe, but utility bills certainly don't affect your CRs from the three main CRAs. Sure, maybe a mortgage specialist might look at CoreLogic's info if you don't have enough in your actual...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51387532 added 07-02-2012 3:21 PM by financechick in Archived Deals
add her to a couple of your oldest credit lines (10+ yrs old & low utilization). those additions would likely bump her fico into the 600+ range & all but guarantee her an unsecured CC from a...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51388414 added 07-02-2012 4:05 PM by phonic in Archived Deals
I recommend Credit Check Total (run by Experian). They offer a free trial as well, but they are very useful when it comes to continually running reports for changes and monitoring the results. You...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51394788 added 07-02-2012 9:29 PM by phonic in Archived Deals
Well, that depends. What are her immediate needs and plans. Will she be buying a car soon? Student loans? Etc? Does she have a job or source of monthly income? For a car loan, she would almost...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51356602 added 07-01-2012 8:13 AM by Pezzy in Archived Deals
My fiance (30 yr old) has crappy credit - CreditKarma score of 569 (very, very bad, I know - she made a lot of stupid mistakes when she was younger). She obviously does not have any credit cards,...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51360416 added 07-01-2012 11:39 AM by financechick in Archived Deals
.........
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51358600 added 07-01-2012 10:07 AM by Scampsters in Archived Deals
Do you really want to be accountable for someone who could potentially be irresponsible with money again ? They can always get a secured card with a huge APR and simply pay it off and not carry a...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51362500 added 07-01-2012 1:49 PM by CDI in Archived Deals
It's OP's fiance, not some stranger. He will have direct control over the accounts that she's co-signed on. Even if she is not as financially responsible, OP can make up for that and at least bring...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51375544 added 07-02-2012 7:26 AM by phonic in Archived Deals
Her cell phone is irrelevant. Outside of hard pulls when you apply, the only time it shows up on your CR is if you go to collections. They do not report accounts in good standing. What else is on...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51375594 added 07-02-2012 7:28 AM by phonic in Archived Deals
Yes and no. A few years ago, they had planned to cut it out completely, and making being an AU completely irrelevant to you score. But they never implemented that change due to a lot of kick back...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51361434 added 07-01-2012 12:43 PM by ManUpOrShutUp in Archived Deals
You're better off carrying the student loans than transferring that debt to a credit card.
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51367322 added 07-01-2012 7:22 PM by WinkyMcGee in Archived Deals
1. Yes, adding her to your AMEX will help her score. But you have to be careful with this because if she runs up charges, you are still responsible for the payments. 2. As far as paying off the...
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51367968 added 07-01-2012 8:08 PM by manfromnowhere in Archived Deals
I thought things were changing where being an authorized user on somene else's credit card (with timely payments) wasn't going to make your credit score better? Just found this on bankrate.com:
Trying to help someone rebuild their credit
Expired
Thread created 07-01-2012 by Pezzy
0 Score 25 Replies 3,072 Views
Post #51436628 added 07-04-2012 8:29 PM by tenor in Archived Deals
OP, I would strongly advise you not to mix up your finances and credit with your fiancé until you are married.

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