Improve credit score without increasing debt

[sniper22]

I feel shorted. I don't have a credit card.

Be proud that you don't. You also probably have very little debt too..

 

[CAMSDADDY]

I currently have two mortgages. I wonder if my score will be updated in the next two weeks and how it will be effected.

 

[The Old Jaybird]

I had a final balloon payment on a HELOC come due and paid it off and my score went up to the low 800s, month later, loan paid off, my score dropped 96 points. They were my friend up until I paid them off, now that is done, they have bent me over the barrel again. ef'in banks.

 

[ADAduckhuntr]

I have an idea.
You should buy some sweet rims on credit!!!
Good luck!

 

[ADAduckhuntr]

 

[Theslowcummins]

If you have a credit score of 790 and a positive debt to income ratio the only bad influence you’ll have towards your Interest rate will be derogatory marks on your credit in the last 7 years. If everything is good since then you have nothing to worry about. With the housing market the way it is right now, no bank or loan company will have to think twice about approving you with a good interest rate

 

[Bulldog Man]

I got another home loan back in Nov with a 744 score so you are GOOD

 

[JDG.]

Cash makes spending real. Swiping a card doesn't have the same emotion as seeing those greenbacks leave.

That was exactly my point. Unless you check your account regularly, its all to easy to swipe,swipe, swipe