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  1. #1
    Registered User New Member
    Posts
    6

    credit score needs a boost

    I have a couple of credit cards that is just collecting dust. Should I get rid of them? Is there a better card to consolidate pts before I close them out?


  2. credit score needs a boost
  3. #2
    Registered User Junior Member
    Posts
    36
    As far as I know getting rid of cards cont hurt yor credit

  4. #3
    Registered User Senior Member
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    100
    I am not aware of any cc that you can consolidate other points from. There are some services that will buy points from you. But I hear it is a rip off. Instead of completely closing out account, you may want to apply for a cc with no annual fee, with same company so you can keep points. You'd be surprised how even small number of points can help you travel when you need it.

  5. #4
    Registered User Semi Pro Member
    Posts
    298
    Does AMEX Blue take airline and hotel points?

  6. #5
    Registered User New Member
    Posts
    1

    Don't get rid of those cards

    Quote Originally Posted by Deb1091 View Post
    I have a couple of credit cards that is just collecting dust. Should I get rid of them? Is there a better card to consolidate pts before I close them out?
    Older, well-maintained accounts that are current are helping your score, the older the better. If you close those cards, your score will drop.

  7. #6
    Registered User New Member
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    2
    Hi there if you need a credit score boost i best advice you use this guy who helped not just with improving my credit score he deleted my negative reports as well and added new positive ones...he is really the best out there and the interesting part is the timing he takes ...in less than a week he could increase your score to double he also loads creditcards so you might find good use: creditscorehacks[a]protonmailcom

  8. #7
    Registered User New Member
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    1
    Quote Originally Posted by Deb1091 View Post
    I have a couple of credit cards that is just collecting dust. Should I get rid of them? Is there a better card to consolidate pts before I close them out?
    I got my credit score boosted by the credit card experts on cyberhacknotch . com, So far so good, i have been enjoying the new improvement on my credit card, there are a lot of sites out there that render credit score boost service, and of course, there are alot of other ways you can get your credit score increased, but non is as fast as hiring an expert to assist you.

  9. #8
    Registered User New Member
    Location
    Louisville, KY
    Posts
    7
    Keep the old credit cards. Try and use them for small amounts every six months. Date of last activity is very important to maintaining high credit scores.

  10. #9
    Registered User New Member
    Posts
    2

    Quote Originally Posted by Deb1091 View Post
    I have a couple of credit cards that is just collecting dust. Should I get rid of them? Is there a better card to consolidate pts before I close them out?

    So I got an alert from Experian the other day. I have a Credit One account from 2011 that was charged off for a balance of $400 and sold to Midland Funding. I paid Midland Funding back in March 2016. Now a full year later, the Midland Funding account is completely removed from my credit and now this charge off account from Credit One is reporting a negative payment for March 2017 and this dropped by score by like 24 points because its now a recent derogatory mark. How does this happen? I've started the process of disputing this with Credit One and they say it will take up to 30 days. In the process I also requested a goodwill effort to remove the account completely because I do not trust them going forward, just randomly activating an old charge off account that has been paid.


    My Boss ( Ex ) had finally advice me in using a programmer which I did and I am so so proud of my actions . its just 2 weeks already and I am boosted with 89 points . OMG .
    what else can an individual ask for . so much thanks to this forum . the programmer I found off PP ( programmers Place ) was ( jamesharden AT programmer . net. ) and we were able to get them on Hirehackersandprogrammers DOT com.
    I am positive about this .
    Of Course again , there are so many ways and so many credit repair companies out there but you have to use the best for you and your pocket .

  11. #10
    Registered User New Member
    Posts
    1

    Replying happly to your contribution .

    Quote Originally Posted by Michelle0077 View Post
    So I got an alert from Experian the other day. I have a Credit One account from 2011 that was charged off for a balance of $400 and sold to Midland Funding. I paid Midland Funding back in March 2016. Now a full year later, the Midland Funding account is completely removed from my credit and now this charge off account from Credit One is reporting a negative payment for March 2017 and this dropped by score by like 24 points because its now a recent derogatory mark. How does this happen? I've started the process of disputing this with Credit One and they say it will take up to 30 days. In the process I also requested a goodwill effort to remove the account completely because I do not trust them going forward, just randomly activating an old charge off account that has been paid.


    My Boss ( Ex ) had finally advice me in using a programmer which I did and I am so so proud of my actions . its just 2 weeks already and I am boosted with 89 points . OMG .
    what else can an individual ask for . so much thanks to this forum . the programmer I found off PP ( programmers Place ) was ( jamesharden AT programmer . net. ) and we were able to get them on Hirehackersandprogrammers DOT com.
    I am positive about this .
    Of Course again , there are so many ways and so many credit repair companies out there but you have to use the best for you and your pocket .



    These group of programmers that you suggested , I also found them on youtube but, I heard they get you boosted to the score limit you so desire but for a certain amount of $$$$. I Only pay little for about 78 points which they promised it will reflect in my FICO score 2 days after but instead it reflected on the 5th day after I was already worried about being scammed .
    I dont have much money to pay to get higher score but I am surly working on saving up more money to pay for it .
    Thank you again Michelle again for your recommendation . I greatly appreciate .

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