Question by trashelle_miro: how long to improve credit score to 760 or above?
My credit score is 662. I have around $ 7,000 in credit card debt, which can be paid in 5-6 months. My husband’s car will be paid off in a couple of months. I just purchased an used Audi, which will be our only debt. How long will it take to improve my score to 760 or above in order to buy a house in March?
Best answer:
Answer by karenmbs
You credit will improve drastically when the $ 7000 in credit card bills are paid. Your score will probably raise anywhere from 80 to 100 points. I think you will be fine buying a house. Good luck and God Bless!
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Question by Lars: I have a 590 credit score and need to raise it in order to get a refi on house,whats the fastest way to do it?
Need to refinance by May, otherwise my payments go up $ 500. Is there a chance I can refinance at a lower rate and whats the fastest, easiest way to boost a credit score?
Best answer:
Answer by GG
quickly pay off some existing debt
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Question by John P: Does giving our fico score,cash down number help while making an offer to a short sale property ?
I have a very good credit and 20% cash down for my home.
I am planning to make an offer for a property which I liked, so during the offer does it help if I give my FICO score and how much cash I am willing to pay for the property? (lets say its 20%) of the property ?
Best answer:
Answer by Steve D
Not really…the acceptance will be based on the size of the offer – you should, however, probably walk in with a pre-approval (not a pre-qualification). The down payment only matters to your mortgage company – the bank selling is going to get cash either way and they won’t really care as to the source of the cash.
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Question by djofir4u: Will adding my spouse as an authorized user on my credit cards raise our FICO credit score?
What I want to know is whether adding my spouse to my credit cards and her adding me to her credit cards increase our FICO scores? We both never missed a payment and were always on time to all of our credit cards. Thank you for your help.
Best answer:
Answer by britgirl
It actually may lower it. The more available unsecured limit for spending, the lower your score.
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Question by gokusgirl_2000: What is the scale on credit scores? Does it differ from state to state?
Meaning what numbers generates poor to outstanding credit
example:
100 – 300 poor
400 – 500 some what poor
Note – that is only an example, just to help get my question answered.
I’m not asking how I could obtain my own credit score, I want to know what is the levels of credit score numbers that ranges from poor to outstanding. Thanks for the input.
Best answer:
Answer by wh1tedragons_g1rl
300 poor 850 great i just went on the website a few days ago to get mine.
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