Credit score yela incerease chesukovali

[DuvvaAbbulu]

Credit score improve chesukovali 
Persoanl loan 8500-- 
Credit cards ---15 K (Citi bank 11k and AMEX 4 K )
Credit score emo 650 vundhi , How to improve it 
CITI bank 11k (27% APR Started this month),
Montlhy oka 4k pay chesthunna  and using 3000 , today inko Card apply chesa 0% APR card Balnce Trasnfer 21 months free vundhi , Tesukoni CITI card clear chestha , is there any other alternatives , IPL kuda ledhu inko 10 months dhaka so no second income 😀,

 

[dosth]

1 minute ago, DuvvaAbbulu said:

Credit cards ---15 K (Citi bank 11k and AMEX 4 K )

reduce this first

 

1 minute ago, DuvvaAbbulu said:

today inko Card apply chesa 0% APR card Balnce

stop applying new cards which effects the credit history 

2 minutes ago, DuvvaAbbulu said:

Trasnfer 21 months free vundhi , Tesukoni CITI card

if you choose this path you need to have extreme discipline not to increase any additional debt on any of your credit cards bad debt, instead of taking other card balance transfer i suggest take some low interest personal loan which helps clear of your loan on timely manner and stop using cards and do budget monthly 

[akkum_bakkum]

9 minutes ago, DuvvaAbbulu said:

Credit score improve chesukovali 
Persoanl loan 8500-- 
Credit cards ---15 K (Citi bank 11k and AMEX 4 K )
Credit score emo 650 vundhi , How to improve it 
CITI bank 11k (27% APR Started this month),
Montlhy oka 4k pay chesthunna  and using 3000 , today inko Card apply chesa 0% APR card Balnce Trasnfer 21 months free vundhi , Tesukoni CITI card clear chestha , is there any other alternatives , IPL kuda ledhu inko 10 months dhaka so no second income 😀,

 

u debt speaks it all. decrease it and see ur score increase. Appti daka low score shall prevail.

[yemdoing]

13 minutes ago, DuvvaAbbulu said:

Credit score improve chesukovali 
Persoanl loan 8500-- 
Credit cards ---15 K (Citi bank 11k and AMEX 4 K )
Credit score emo 650 vundhi , How to improve it 
CITI bank 11k (27% APR Started this month),
Montlhy oka 4k pay chesthunna  and using 3000 , today inko Card apply chesa 0% APR card Balnce Trasnfer 21 months free vundhi , Tesukoni CITI card clear chestha , is there any other alternatives , IPL kuda ledhu inko 10 months dhaka so no second income 😀,

 

Takes years .. what is your target credit score ? 

[Assam_Bhayya]

20 minutes ago, DuvvaAbbulu said:

Credit score improve chesukovali 
Persoanl loan 8500-- 
Credit cards ---15 K (Citi bank 11k and AMEX 4 K )
Credit score emo 650 vundhi , How to improve it 
CITI bank 11k (27% APR Started this month),
Montlhy oka 4k pay chesthunna  and using 3000 , today inko Card apply chesa 0% APR card Balnce Trasnfer 21 months free vundhi , Tesukoni CITI card clear chestha , is there any other alternatives , IPL kuda ledhu inko 10 months dhaka so no second income 😀,

 

You are long timer in US anukunta kada anna, asalu 650 ki ela padindhi, citi, amex credit ki reasonable score kavali, once you got reasonable score malla reverse ela padindhi unless you've some derogatory remarks in history, just trying to understand antha low ki ela padathada ani

[DuvvaAbbulu]

10 minutes ago, Assam_Bhayya said:

You are long timer in US anukunta kada anna, asalu 650 ki ela padindhi, citi, amex credit ki reasonable score kavali, once you got reasonable score malla reverse ela padindhi unless you've some derogatory remarks in history, just trying to understand antha low ki ela padathada ani

India velinappudu , Verizon bill Pay cheyaledhu just 1 month , collections ki poyindhi next nundi 650 ki oka point pergaledhu score since 1 year 

[DuvvaAbbulu]

20 minutes ago, yemdoing said:

Takes years .. what is your target credit score ? 

750

[Assam_Bhayya]

1 minute ago, DuvvaAbbulu said:

India velinappudu , Verizon bill Pay cheyaledhu just 1 month , collections ki poyindhi next nundi 650 ki oka point pergaledhu score since 1 year 

adhi matter. collection ki entha poyindhi, full pay chesava collection vadiki, ekkuva pay chesthe comments thestharu, you'll get more credit approvals, then score increase ayitadhi?

[DuvvaAbbulu]

Just now, Assam_Bhayya said:

adhi matter. collection ki entha poyindhi, full pay chesava collection vadiki, ekkuva pay chesthe comments thestharu, you'll get more credit approvals, then score increase ayitadhi?

50 $ anna , House internet 

[Assam_Bhayya]

12 minutes ago, DuvvaAbbulu said:

50 $ anna , House internet 

hm, sorrry  to hear that 

back eppudu ochav, it takes 6 months to 1 year to get back to 700, 710 at least, first debt levels down chesko anna. 

You'll be fine, just the matter of time, ekkuva worry avvaku, just compromise for sometime if you need to buy something big. Cheppali ante ilaanti situations money saving ki lessons, but learnt lessons eppatiki gurthundi financial discipline genes lo ekkali appudu you'll get not just rich, but also age very well. 

[hushh fatak]

50 minutes ago, DuvvaAbbulu said:

Credit score improve chesukovali 
Persoanl loan 8500-- 
Credit cards ---15 K (Citi bank 11k and AMEX 4 K )
Credit score emo 650 vundhi , How to improve it 
CITI bank 11k (27% APR Started this month),
Montlhy oka 4k pay chesthunna  and using 3000 , today inko Card apply chesa 0% APR card Balnce Trasnfer 21 months free vundhi , Tesukoni CITI card clear chestha , is there any other alternatives , IPL kuda ledhu inko 10 months dhaka so no second income 😀,

 

Clear this first - CITI bank 11k (27% APR Started this month),

Next pick the one that has the next most APR %

lets say you have 3 cards to clear

high % apr ki - 60% allocate chei

medium % apr ki 20 

low ki 20%

In the middle ...  if yo ustart now .... oct lo oka sari and feb lo oka sari pay 1/2 K extra ...

Asale 0% apr card apply chesavu... Thanksgivign lo durada control cheskovali....

 

I have done similar and I am at a score of about 800+ for the past 2 years and holding...
Every 3-4 months credit increase ki requests pettuko...
choose the option w/o hard check

try for all credit cards and rotate every month wrt to requests

 

one or 2 months 

[DuvvaAbbulu]

Oka AMEX clear chesa , and Shredded tha card bro last week , so can i ask to increase limit 

[Shameless]

1 hour ago, DuvvaAbbulu said:

Credit score improve chesukovali 
Persoanl loan 8500-- 
Credit cards ---15 K (Citi bank 11k and AMEX 4 K )
Credit score emo 650 vundhi , How to improve it 
CITI bank 11k (27% APR Started this month),
Montlhy oka 4k pay chesthunna  and using 3000 , today inko Card apply chesa 0% APR card Balnce Trasnfer 21 months free vundhi , Tesukoni CITI card clear chestha , is there any other alternatives , IPL kuda ledhu inko 10 months dhaka so no second income 😀,

 

okkokkaridhi okkokka problem bro...naakemoo intiki letters osthunnay $300 pre-approved credit cards ani...avi chusi murisipovala leka nee credit carrd history chusi aascharya povala ardham avvatledhu...

[DuvvaAbbulu]

31 minutes ago, hushh fatak said:

Clear this first - CITI bank 11k (27% APR Started this month),

Next pick the one that has the next most APR %

lets say you have 3 cards to clear

high % apr ki - 60% allocate chei

medium % apr ki 20 

low ki 20%

In the middle ...  if yo ustart now .... oct lo oka sari and feb lo oka sari pay 1/2 K extra ...

Asale 0% apr card apply chesavu... Thanksgivign lo durada control cheskovali....

 

I have done similar and I am at a score of about 800+ for the past 2 years and holding...
Every 3-4 months credit increase ki requests pettuko...
choose the option w/o hard check

try for all credit cards and rotate every month wrt to requests

 

one or 2 months 

650 ki House loan isthara bro??

[phatposts]

aa loans enduku ayyayi?

why do you need to move balance from one card to another?