What is my credit score Topeka

If you still face looming debt out there, work on reducing it. "You won't be able to qualify for credit for a what is my credit score Topeka while," he says. "Wait weeks or months so you have time to stabilize, to what is my credit score Topeka regain control of your current finances." It's also important to know how to fix your credit using new credit accounts.

A secured credit card is typically the first and only type of credit available to someone with a badly blemished credit history. These cards require a security deposit, usually a minimum of $500, to activate it. credit card report The deposit is placed in a savings account, money market account or certificate of deposit.

If you consistently make on-time payments, your bank might convert the card into an unsecured card after a year, says Barry Paperno, consumer affairs manager at myFICO.com. The card is not treated differently what is my credit score Topeka than a regular credit card by the FICO score, Paperno says. legit free credit report

Just make sure the issuer reports to the credit bureaus. Another way to build what is my credit score Topeka up your credit is to piggyback on someone else's credit card account. Ask a family member or your spouse to consider adding you as an authorized what is my credit score Topeka user on their credit card. An authorized user is not responsible for the balance, but benefits from the cardholder's payment history on that account. So, make sure you choose a financially sound credit ride. A side note: Experian only includes authorized user accounts what is my credit score Topeka if the payment history is good, says Griffin. credit and report

Ulzheimer also suggests checking with your bank or credit union to see if overdraft protection on your checking account is reported to the credit bureaus.