Hyderabad_Nawab Posted July 7, 2014 Report Posted July 7, 2014 770 aa ela penchav bahayyaa..super kada...enni rojulu pattindi to make it to 770 Naaku Almost 1 Year Bhayya...:P
ARYA Posted July 7, 2014 Author Report Posted July 7, 2014 personal ga teesukokunda aa question ki peaceful ga alochinchi answer chesavu anuko.......maaku time pass anthe.... personal ga teskoni mee db maa db annadi nuvve time fass... nenu already sesttundi ade dual dbing tho...
phatposts Posted July 7, 2014 Report Posted July 7, 2014 Ikkada score ki india lo loan ki emi relation undadu. Nenu LIC Housing lo loan teesukunna 2 years back. Appudu bank statements koncham bagane choosadu. Credit report nannu adagaledu assalu Coming to credit score, naaku telisindi aithe: 1. Overall Utilization < 20% is a safe play 2. See if your bank will increase the limits on any of your cards without running an inquiry. I know citi does this if you are eligible. Ala aithe overall crdit perigi utilization automatic gaa drop avutundi. 3. Billing cycle eppudu close avutundo observer chesi, aa time ki bill mottam pay chesesi oka $20-$30 alance maintain cheyyi. That way it gets reported to the 3 bureaus and makes it look like an active account rather than a dormant account. 4. Anni credit bureaus ni contact chesi nee info updated gaa undo ledu telusuko. Service sites (like credit monitoring services) lo idi 100% confirm chesukovadam kashtam. This is time consuming. 5. First credit card kaakunda, madhyalo teesukunna cards lo evanna shopping cards )like Macys JC Penny Express GAP BananaRepublic etc) unte slow gaa cancel cheseyyi (like 2 every 3 months). Never cancel your first card. For this naaku telisina reason : You better not have cards or accounts with small line of credit like $500, $2000 etc. This means that at one point of time, you were worth a very small amount of credit. This impacts your future for up to 5 years. Personal Accountant cheppindi. Credit scores do not boost overnight, but with good clean up strategy and a good practice moving forward you will reap good score. Length of credit is something we can do nothing about. Only time should get this. If you have very close family who have been here for a long time, ask them to add them to one of their old cards as an authorized (not additional) card holder. Vaalla credit length neeku reflect avutundi. I know there are so many myths, best practices, disciplines apart from these. Nenu personal gaa follow ayinavi and naaku results vachayi ani telisina points cheppanu anthe. Cheers!
ARYA Posted July 7, 2014 Author Report Posted July 7, 2014 Naaku Almost 1 Year Bhayya... :P 1 yr aa :O
ARYA Posted July 7, 2014 Author Report Posted July 7, 2014 Ikkada score ki india lo loan ki emi relation undadu. Nenu LIC Housing lo loan teesukunna 2 years back. Appudu bank statements koncham bagane choosadu. Credit report nannu adagaledu assalu Coming to credit score, naaku telisindi aithe: 1. Overall Utilization < 20% is a safe play 2. See if your bank will increase the limits on any of your cards without running an inquiry. I know citi does this if you are eligible. Ala aithe overall crdit perigi utilization automatic gaa drop avutundi. 3. Billing cycle eppudu close avutundo observer chesi, aa time ki bill mottam pay chesesi oka $20-$30 alance maintain cheyyi. That way it gets reported to the 3 bureaus and makes it look like an active account rather than a dormant account. 4. Anni credit bureaus ni contact chesi nee info updated gaa undo ledu telusuko. Service sites (like credit monitoring services) lo idi 100% confirm chesukovadam kashtam. This is time consuming. 5. First credit card kaakunda, madhyalo teesukunna cards lo evanna shopping cards )like Macys JC Penny Express GAP BananaRepublic etc) unte slow gaa cancel cheseyyi (like 2 every 3 months). Never cancel your first card. For this naaku telisina reason : You better not have cards or accounts with small line of credit like $500, $2000 etc. This means that at one point of time, you were worth a very small amount of credit. This impacts your future for up to 5 years. Personal Accountant cheppindi. Credit scores do not boost overnight, but with good clean up strategy and a good practice moving forward you will reap good score. Length of credit is something we can do nothing about. Only time should get this. If you have very close family who have been here for a long time, ask them to add them to one of their old cards as an authorized (not additional) card holder. Vaalla credit length neeku reflect avutundi. I know there are so many myths, best practices, disciplines apart from these. Nenu personal gaa follow ayinavi and naaku results vachayi ani telisina points cheppanu anthe. Cheers! adu detailed credit report adigadu bhayya :(...piccha flute gallu sakam sagam telusu kada allaki malli em decide chestaroo msk gallu :(
srikanthraparla Posted July 7, 2014 Report Posted July 7, 2014 mee db lo adakka poyavaa.......ikkadiki enduku vochchavu. inko db unda? pm details plz
ARYA Posted July 7, 2014 Author Report Posted July 7, 2014 inko db unda? pm details plz ikkada andhra frends laga inko db vachindi kada tg pals ani
phatposts Posted July 7, 2014 Report Posted July 7, 2014 adu detailed credit report adigadu bhayya :(...piccha flute gallu sakam sagam telusu kada allaki malli em decide chestaroo msk gallu :( Ardham ayyindi. India lo loan impact nenu cheppalenu kaani score improve chesukovadam ela ante, nenu bagane succeed ayyanu.
ARYA Posted July 7, 2014 Author Report Posted July 7, 2014 Ardham ayyindi. India lo loan impact nenu cheppalenu kaani score improve chesukovadam ela ante, nenu bagane succeed ayyanu. yep chadivanu..thanks man! will try to clear up the CCs urgently
agora Posted July 7, 2014 Report Posted July 7, 2014 Ardham ayyindi. India lo loan impact nenu cheppalenu kaani score improve chesukovadam ela ante, nenu bagane succeed ayyanu. cards use cheyakapoina improve undadha? i have couple of cards i never used them till now
ARYA Posted July 7, 2014 Author Report Posted July 7, 2014 cards use cheyakapoina improve undadha? i have couple of cards i never used them till now vadesi katteyali anukunta vaa...amt of revolving credit kuda ekkuva undali anukunta...
upendra_super Posted July 7, 2014 Report Posted July 7, 2014 cards use cheyakapoina improve undadha? i have couple of cards i never used them till now just once in a while ala vadi bill vachinapudu pay in full bhayya.
agora Posted July 7, 2014 Report Posted July 7, 2014 vadesi katteyali anukunta vaa...amt of revolving credit kuda ekkuva undali anukunta... oh okk
ARYA Posted July 7, 2014 Author Report Posted July 7, 2014 oh okk em feeking...ekkadiki poyav long weekend
agora Posted July 7, 2014 Report Posted July 7, 2014 em feeking...ekkadiki poyav long weekend em le dude...went to myrtle beach
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