- order azor from michigan
- advair no prescription
- tips as regards mirapex no prescription
- discount asacol
- ventolin no prescription of kansas
- all in respect of buy cephalexin
- find info about buy cheap zanaflex in nebraska
- site concerning discount tizanidine
- answers as regards discount savella
Dear Liz: I am trying to increase my credit scores so I can buy a house in a couple of years. My scores are pretty bad, but I do have a car loan that I have never been delinquent on. I have recently obtained a secured credit card with a $300 limit. Will a credit card with such a small limit help improve my credit score?
Answer: Yes, but you may need longer than two years to get your scores up to snuff, depending on how bad they are.
Regaining points always takes much longer than losing them, so you should make sure to pay all your bills on time and use your new credit card lightly but regularly. Charge less than $100 a month and pay the balance in full, because there’s no advantage to carrying a balance.
After six months or so of regular payments, consider adding another card to the mix. In a year or two, you may qualify for a regular credit card that will continue to enhance your scores.
Also, make sure you’re looking at your FICO scores, because those are the credit scores most mortgage lenders use. Other scores may be offered for free or sold by the credit bureaus, but they typically aren’t FICOs.