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I agree with the 2nd poster more than anything. You really must love him to come to public forum and ask for advice. I'm here to give you exactly what you're asking for, advice, not to knock you and your boyfriends situation. But there's some things that I'll touch on that the other posters didn't.
In order to improve your credit, you should know what makes up the score:
1. Payment history- 35%
2. Total debt owed to avialable credit ratio-30%
3. Length of time establishing credit-15%
4. Types of credit established-10%
5. Inquiries and New accounts-10%
With that in mind, this is what your b/f should do.:
1. Leave the nest- With him being so family oriented, this is going to be the hardest thing for him. Sometimes, family can do you dirtier than a complete stranger will. He has to make a decision whether he's going to stay in his current situation or if he's going to make the choice to start living for himself. 2 things that will NEVER mix is money and friendship/family. This couldn't be more true than what's going on with your b/f and his parents. He has to go, if he doesn't he's doomed to the same fate as his parents. He doesn't deserve that. If you really care, it will be up to you to get him away from them, so that he can start taking care of himself. The first thing that you should do is …
2. Open a checking and savings account- while this won't directly affect your credit score, it does many things. It re-establishes a relationship between you and a financial institution, which by being an customer in good standing, could help make it easier to get approved for credit cards and loans. Most importantly, by opening a checking account
it gives you the single most powerful tool in building credit, to help pay your bills on time, especially if the bank offers online billpay.
2. Gather ALL your credit reports- It's important to know exactly what's on your reports. A lot of times, people believe that their credit is so bad, that they don't bother to check their reports for mistakes, and trust me, mistakes DO happen. The credit bureaus don't get paid to be accurate, they get paid to report. It's important that you gather reports from all 3 agencies to determine not just who and how much you owe, but to make sure that what's on there is even correct. If you do happen to find something that you're sure is not right, you should dispute with all 3 agencies, they all have an online dispute feature in which you can dispute the item. Once you've made sure that there's no inaccuracies on your report, then you should arrange your debts from most recent and lowest amount to oldest and highest amount. Debts that are newer than 2 years are hurting your score the worst and should be handled first. What you should know that just paying off debts, especially collection debts will not help your score. A "pay to delete" or "deletion payment", which is a payment in exchange for removing it from your report completely. I posted several links that explains this more in detail.
http://www.creditinfocenter.com/debt/settle_debts.shtml
http://www.creditinfocenter.com/debt/neg_rating_after_settle.shtml
http://www.creditinfocenter.com/debt/CanCreditorSue4SettlementDifferences.shtml
http://www.creditinfocenter.com/debt/ActualDebtSuccesses.shtml
http://www.creditinfocenter.com/debt/debt-negotiation.php
If you're sucuessful, this will help your score.
3. Open new credit- I had mentioned in #1, about opening a checking and savings account with a bank or credit union, I'm going to tie that in with what I'm about to say. Some major banks (Bank of America, Wells Fargo, USBank, Orchard Bank) and some credit unions offer secured credit cards, which are credit cards that require a deposit to establish credit. Whatever you deposit would be the credit line, for example, if you deposited $300, then your credit line would be $300. The deposit isn't used to pay for what's purchased on the card, you would still need to either pay in full or make monthly minimum payments. The deposit is used only if the account becomes delinquent and goes to collections. A couple of good things is that you can increase the credit limit by adding to the deposit, which can help your score because it creates a much needed cushion between the total debt that's owed and the available credit, and also the deposit is sometimes linked to a savings account which earns interest while you're building credit, so the deposit isn't just sitting there. A good way to build credit with the card is to make small purchases ($20/month max) and pay it off on time every month, while adding to the deposit. Usually after a year or so, of paying it off on time, the card either converts to a regular card or it's upgraded to a better card, and most importantly the deposit isn't needed anymore and it's given back. My suggestion would be to open another secured card and repeat the process or open 2 at a time, which would speed things up. If you make small purchases, pay it off and increase the limits, that will really help your score. In the end, you'll have 2 credit cards with decent limits and an emergency fund from the deposits.
4. Enroll with PRBC- PRBC is America's Alternative Credit Bureau, providing a helpful service to the over 50 million people with limited or no credit history. If you pay your monthly bills on time, PRBC can help you build credit to qualify for a mortgage and better interest rates.On-time payments for the following bills are not reported to the traditional credit bureaus:
Rent
Cable
Phone
Daycare
Insurance
Electric
Natural Gas
Cell Phone
The only time your payments for these bills are reported to the other credit bureaus is if they're missing or late.With PRBC, your on-time payments count. You build credit for paying your bills on time, even if you have no credit history. PRBC offers two simple ways to start building credit today.
Your b/f is going to have to do some "tough love" of his own.
But if you're really in his corner, then he'll have the support to get through this
What kind of interest is there on auto loans?
@Immy1993, sometime, banks prefer tax returns instead. As long as your not self employed you should be okay
Auto finance is what I do for a living and with over 50% down yes you will be approved.
With you score it's going to be a bottom of the barrel lender so your interest rate will most likely be whatever your State maximum is but you should have no problem getting approved.
Good luck
Will the bank statements and employment letter be enough to show proof of income?
How about E. Do your own homework.
Moreover… each of these can easily be figured out with a google search.
Do your own research while you are muttering through your homework.
@kentryonas If you have a 658 TransUnion score and documents to prove your income of at least $1,500/month (bank statements, tax returns, etc) you have a very good likelihood of getting approved for auto financing via our service.
Really Nice Info!!!!
Contact your food stamps case worker. I am sure there are subsidized housing options in your area. They will also be able to assist you in finding a better job.
Agreed. They're rewarding these banks for terrible business practices. In the mean time there are several banks like Wells Fargo that are doing fine because they know how to run a business. Why don't we reward the good by banks by giving them the $700bil so they can buy out the bad banks… then repay the tax payers with the interest they make?
It never ceases to amaze me how incredibly imbecilic our government can be.
great video
Great loan information!!!
my budget is on a spreadsheat. I take out 500 per month to fix my paid off home, and until my son "needed a car" was out of debt. But, he is paying "my" loan off and in reality with a direct debit it's only improving my credit rating. I cut up my cards years ago, and now have another one. amazing how quickly using it and paying it off will move a credit rating from the low 600's to the low 700's. It's doable. Saying "no" to family and friends is not easy to learn–but it's nice to be able to put a new roof on your home without going into debt.
People with great credit will find it difficult getting a mortgage in this economy. But your mom co-signing with her credit score may mean the difference between getting it or not. You may or may not get the prime rate. But rates now are low anyway, so it shouldn't matter much.
What if you don’t have very much credit cause you’re young and you make 1200 a month? What are my chance then I don’t pay for anything i’m a student and live with my parents.
Do u know of a place that will accept self employed with only bank statements to prove income? transunion gave me a 658 score but experian didnt even give one because of no recent activity. there is a little on there thats negative, but from years ago. thanks