Credit history Dobbindi :Please give suggestion how to improve

[aripista]

Mams ,
          Can you give sugeestions how to improve credit history . Now the credit score is 540 .
          There are 3 deliquent accounts on the credit score . My frend has no job previously and he cant pay the bills properly.
          Now he is having a job and he is willing to pay back . Any please suggest what is best way to move in this case?

[goldflake]

mama r u from uk
make sure your account never falls zero maintain the same
money flow constant ga maintain chei

[ramcharms]

[quote author=aripista link=topic=36180.msg290509#msg290509 date=1264370491]
Mams ,
          Can you give sugeestions how to improve credit history . Now the credit score is 540 .
          There are 3 deliquent accounts on the credit score . My frend has no job previously and he cant pay the bills properly.
          Now he is having a job and he is willing to pay back . Any please suggest what is best way to move in this case?
[/quote]

Credit report dooo..... bbbbbbbbindaaaaaaaaaa...... @3$% g! h@)[img]http://i39.tinypic.com/al3m6x.gif[/img]

time ki min. payment kuda cheyaka potee intee [img]http://www.imageping.com/out.php/i22827_B11.gif[/img]
assalu ninnu inta duram techi nanaduku [img]http://www.picasion.com/pic15/82ed540e21de3882804cd336558b9f0a.gif[/img]


Sareleee, whtevr gatam gatam.

Its takes soo long  malli manchi report ravtaniki...
Ataniki velu vuntee Car konukko manu, evn evaranaa frnds tesukuntee atani peru meda tesu ko manu.
Emanna bills vuntee atani name meda run cheyinchu.
Bank loo transactions bagaa cheyamanu.
Ekkadina Cash payment cheyakunda , cc or d.card use cheyamanu.

Min 2 years padutundi ilaa chesinaa kuda. Appati varaku emi miss kakundaa chudamanu.

As i knw intavarakee. Inkevarannaa suggestions ivvandi telstee.

Thats it boss.

[lingam.mama]

consult some specialist. they can help you on how you can fix it faster. it varies from situation to situation but there are ways to fix it faster if we follow what an expert says. One of my friend got it fixed faster after he found that he missed one utility bill years ago and showed up when he ran history recently.

[saiiii]

assalu credit vunte kada vistory vundataniki... !q#

[lingam.mama]

[quote author=sai link=topic=36180.msg290722#msg290722 date=1264373521]
assalu credit vunte kada vistory vundataniki... !q#
[/quote]

cell phone bill miss ayinaa kooda history dobbutundi mama.

[aripista]

[quote author=sai link=topic=36180.msg290722#msg290722 date=1264373521]
assalu credit vunte kada vistory vundataniki... !q#
[/quote]
ante yendi mama

[tarakaratna]

only way is that to do as many transtns as u can mama.. and direct debits emanna unte check dat whether its clear or not..
if every thing going fine thn it may takes 2 to 3 months to get it back.. nothing worriescheers12w cheers12w

[bhaskar]

mams direct debit is the best thing..........naku monna ne 800 vredit vatchinde...........na mobile, internet, shopping, anne direct debits e full credit rating.........so better go for direct debit...and never miss the payments

[aripista]

[quote author=bhaskar link=topic=36180.msg291115#msg291115 date=1264379793]
mams direct debit is the best thing..........naku monna ne 800 vredit vatchinde...........na mobile, internet, shopping, anne direct debits e full credit rating.........so better go for direct debit...and never miss the payments
[/quote]

Direct Debits Yenti Mama

[syeddon]

[quote author=aripista link=topic=36180.msg291351#msg291351 date=1264382388]
Direct Debits Yenti Mama
[/quote]
mama direct debit antey nee account lo nunchi direct ga money cut avutai such as ni contract mobile bill
better to improve credit history is mundu direct debits set chesko, bank lo over drafts try chesi avi vastey
padaka avi draw chestu pay chestu undu..
inka yemana payment to third party checks nunchi chestey credit score perigidi

[Adolf Hitler]

ppay back all the bills. and...make sure u dont have large amounts in cards. mottam okesaari kattesthey inka 6 months lo everything will be fine.  cheers12w cheers12w

[srdh21]

[quote author=aripista link=topic=36180.msg290509#msg290509 date=1264370491]
Mams ,
          Can you give sugeestions how to improve credit history . Now the credit score is 540 .
          There are 3 deliquent accounts on the credit score . My frend has no job previously and he cant pay the bills properly.
          Now he is having a job and he is willing to pay back . Any please suggest what is best way to move in this case?
[/quote]

the best thing he can do now is to pay off all the dues immediately and start using his credit card and make a habit of paying off monthly dues immediately ( not just min due)

this will make sure his score will start improving with 6 months, but most lenders look for good history not just score

so best thing is not to apply for anymore credit even telecom contracts, if there are no credit enquiries and all the balance is paid off

you can expect things will be alright in no time

[Technikfreak]

In order to improve your credit scores, it's important to know where you stand currently. The three-digit numbers, which range from 300 to 850, are the key to your borrowing costs.

This is what you can do.

1) Pay down your credit cards.
Paying off your installment loans (mortgage, auto, student, etc.) can help your scores.Lenders like to see a big gap between the amount of credit you're using and your available credit limits. Getting your balances below 30% of the credit limit on each card can really help. Most recommend paying off the highest-rate card first, a better strategy here is to pay down the cards that are closest to their limits.

2) Use your cards lightly.
Racking up big balances can hurt your scores, regardless of whether you pay your bills in full each month. What's typically reported to the credit bureaus, and thus calculated into your scores, are the balances reported on your last statements. (That doesn't mean paying off your balances each month isn't financially smart -- it is -- just that the credit scores don't care.)

3) Check your limits.
Your scores might be artificially depressed if your lender is showing a lower limit than you've actually got. Most credit-card issuers will quickly update this information if you ask.

4) Dust off an old card and start using.
The older your credit history, the better. But if you stop using your oldest cards, the issuers may stop updating those accounts at the credit bureaus. The accounts will still appear, but they won't be given as much weight in the credit-scoring formula as your active accounts.

5) Get some goodwill.
If you've been a good customer, a lender might agree to simply erase that one late payment from your credit history. You usually have to make the request in writing, and your chances for a "goodwill adjustment" improve the better your record with the company (and the better your credit in general). But it can't hurt to ask.

6) Dispute old negatives.
Say that fight with your phone company over an unfair bill a few years ago resulted in a collections account. You can continue protesting that the charge was unjust, or you can try disputing the account with the credit bureaus as "not mine." The older and smaller a collection account, the more likely the collection agency won't bother to verify it when the credit bureau investigates your dispute.

7) Blitz significant errors.
Your credit scores are calculated based on the information in your credit reports, so certain errors there can really cost you. But not everything that's reported in your files matters to your scores.
Here's the stuff that's usually worth the effort of correcting with the bureaus:
@ Late payments, charge-offs, collections or other negative items that aren't yours.
@ Credit limits reported as lower than they actually are.
@ Accounts listed as "settled," "paid derogatory," "paid charge-off" or anything other than "current" or "paid as agreed" if you paid on time and in full.
@ Accounts that are still listed as unpaid that were included in a bankruptcy.
@ Negative items older than seven years (10 in the case of bankruptcy) that should have automatically fallen off your reports.

Some of the stuff that you typically shouldn't worry about includes:
@ Various misspellings of your name.
@ Outdated or incorrect address information.
@ An old employer listed as current.
@ Most inquiries.

All the best.