Credit Score Help....

[Novak_Djokovic]

credit sesame   lo na score ila undi.....645---POOR

 

Payment History has a 35% impact on your credit score.

 

Credit Utilization has a 30% impact on your credit score.(this is my problem....im at 40% utilization)---High credit card usage could be affecting your credit score--ani warning message undi.

 

Age of Credit History has a 15% impact on your credit score.

 

Account Mix has a 10% impact on your credit score.

 

Credit Inquiries has a 10% impact on your credit score.

 

 

 

  Current
Debt Balances Monthly
Min. Payments Credit Cards $5,994 $93 Auto Loans $21,572 $426 Other Loans $5,748 $203 Total $33,314 $722

===============================================================================================================

 

Credit Karma lo ila undi.....

 

 

 

Provided by

645

 

Credit Inquiries

0 

Credit Utilization

40% 

Late Payments

0

 

 

 

Provided by

641

 

Credit Inquiries

6

Credit Utilization

40%

Late Payments

0

===================================================

 

please give me tips to increase my credit score ....?

 

I can't pay more than $1000 per month from now....for credit card and personal loan payments......

 

[Novak_Djokovic]

ltt

[Novak_Djokovic]

speed bump

[Novak_Djokovic]

Wednesday hump

[Yuvatha]

patha cards anni kattesey ...balances tagginchu cards meeeda...

[Novak_Djokovic]

patha cards anni kattesey ...balances tagginchu cards meeeda...

inka emina detail ga telusa ?

 

some where I read...pay 10% of bills before billin rate and 5% of debts after payment date....

 

so ila emina tips telusa ?

[Yuvatha]

inka emina detail ga telusa ?

 

some where I read...pay 10% of bills before billin rate and 5% of debts after payment date....

 

so ila emina tips telusa ?

neku telisi vesava or telusukovalani vesava 

[Novak_Djokovic]

neku telisi vesava or telusukovalani vesava 

ledu man....

 

emina mana friends practical ga try chesaru emo....to improve scores....so aa personal experienced tips kosam posted this thread....

[ILAQAT_MUFLIYA]

Hump day ;) maintain balanced between 1-20% of ur limit and have 100% ontime payment antha kante Nuvvem cheyyalev:. Okasari emaina negatives unnayemo chudu unte try to rectify them..

[Yuvatha]

ledu man....

 

emina mana friends practical ga try chesaru emo....to improve scores....so aa personal experienced tips kosam posted this thread....

nuv cards baga vadesi years years aina kuda min balances kadtunav ani tidtunaru vallu 

 

best you can do is..try to pay off starting with  the oldest card...entha kata galavu ela kattagalavo plan chesko...once annni balance oka 70% kattesaka..apply for new cards and clear the remaining balances too.

[Yuvatha]

Hump day ;) maintain balanced between 1-20% of ur limit and have 100% ontime payment antha kante Nuvvem cheyyalev:. Okasari emaina negatives unnayemo chudu unte try to rectify them..

rey...rey...poddunne entra maku nee torture 

[Nellore Pedda reddy]

inka emina detail ga telusa ?

 

some where I read...pay 10% of bills before billin rate and 5% of debts after payment date....

 

so ila emina tips telusa ?

 

statement balnace ni report chesthay credit card companies general ga....so statement vache 2-3 days mundu payment chey

[Novak_Djokovic]

Hump day ;) maintain balanced between 1-20% of ur limit and have 100% ontime payment antha kante Nuvvem cheyyalev:. Okasari emaina negatives unnayemo chudu unte try to rectify them..

 

1- 20% maintaining chala kastham man....

 

im a programmer...low billing rate...and high work pressure.....

 

naku Indiana state...tax lien undi credit report mida...because of the 80 points dropped on credit score.....s I paid the lien amount by calling to county tax department....but still its a public record and will stay for 6 years minimum....

 

thanks anyways,,,,

[Novak_Djokovic]

nuv cards baga vadesi years years aina kuda min balances kadtunav ani tidtunaru vallu 

 

best you can do is..try to pay off starting with  the oldest card...entha kata galavu ela kattagalavo plan chesko...once annni balance oka 70% kattesaka..apply for new cards and clear the remaining balances too.

 

yaa.,...will do hat way....

 

I have 5 credit cards already....so will not apply for new ones....

 

inka oka personal loan and auto loan also....totl around $35k debt undi....

 

ippudu credit cards apply chesina....good limits tho raavu...as my score is low....

 

thanks....

[teliyadu_nuvvu]