Pomuze mi vybudovat rychleji kredit s vice pujckami?

Genius75 · Registrace: 30. 10. 2005 Příspěvky: 62

Pomuze mi vybudovat rychleji kredit s vice pujckami?

Priklad: mam Secured Credit card (Bank of America)

k tomu bych si vzal Secured Loan na 1000 dolaru, platil bych si mobil atd.

Pomuze mi to vybudovat kredit podstatne rychleji nez jen s momentalne jedinou kartou od Bank of America?

Navstivil jsem 9 bank a dostal jsem 9 ruznych odpovedi. Nekde rikali, ze ano, nekde ze ne.

GE. Shocked

kulishek · Zaslal: so září 16, 2006 1:17 pm Předmět:

Ja nemam zadnou pujcku a jeden ze dvou duvodu, proc je moje credit score takove, jake je, rika, ze:

"There is a lack of recent (non-mortgage) installment loan information being reported on your credit file.

Demonstrating that you can manage a variety of different types of credit responsibly is a behavior the score evaluates. In particular, the score may examine your repayment behavior on some types of personal loans (but usually, not including mortgage or other big ticket loans, which are examined in other ways). Having no personal loan accounts appearing on the credit bureau report, or if they are present but are closed or are no longer being reported by the lender, is a slightly higher risk compared to currently having an installment loan and making payments on it. The score evaluates the types of credit in your credit history, and considers your mix of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans. It isn't necessary to have one of each, and it's not a good idea to open credit accounts you don't really need, or don't intend to use.

Source: FairIsaac"

Podle me ti ale teda v situaci, kdy uz mas cc, pujcka na $1000 moc nepomuze. Nejdriv ti score klesne kvuli inquiry, pak ti klesne jeste vic, az se ti na credit reportu objevi nova tradeline (new credit + kratsi average age of accounts + na zacatku vysoka utilization), no a az nekdy dlouho potom se ti score mozna vysplha o neco malo vys.

Moje reseni by bylo zkonvertovat secured cc na unsecured (coz tusim BOA dela po urcite dobe automaticky) a pridat jeste jednu major cc od banky, ktera je vseobecne stedra, co se tyce navysovani limitu. Tak ti sice v zacatku score taky o neco klesne, ale pak pujde lepe nahoru, a jeste budes mit moznost ovlivnovat utilization, coz nekdy dela primo divy.

salaska · Zaslal: so září 16, 2006 6:49 pm Předmět:

Asi pred mesicem jsem se na toto tema bavila s mym pritelem-pracuje v tehle oblasti. Rekl mi, ze bych mela mit otevrenych 4-5 uctu. Nejlepe kazdy jiny typ. Splatka na auto, loan, cc..

Henek · Zaslal: ne září 17, 2006 10:56 am Předmět: