| Author | Message | ||
Hero Side Hero Username: Hero Post Number: 3031 Registered: 09-2009 Posted From: 108.65.110.4 Rating: N/A |
National avg 695 undi...nee score below avg annattu asalu $500 card ivvatam gr8 fico avg ayithe avg 710 to 720 anukonta. total ga 690 score ante  | ||
Batman Junior Artist Username: Batman Post Number: 394 Registered: 03-2011 Posted From: 184.154.49.106 Rating: N/A |
Reduce your total # of cards....multiple cards is always a trouble...you may end up missing atleast one card payment for few montha and it affects your history...Just get 1 each best MC/Visa/Amex product and cancel the rest..  | ||
Megastar Username: Twitter Post Number: 24861 Registered: 10-2009 Posted From: 192.193.216.147 Rating: N/A |
ippudu capitalone anukunta | ||
Outlaw Comedian Username: Outlaw Post Number: 1958 Registered: 02-2012 Posted From: 66.193.93.3 Rating: N/A |
CTO saab aap ko e details kaiku? | ||
Siloan Legend Username: Siloan Post Number: 31481 Registered: 03-2008 Posted From: 132.174.20.41 Rating: N/A |
sookshmam..updated! Jai PARAKALA | ||
Getafix Hero Username: Getafix Post Number: 12451 Registered: 02-2008 Posted From: 76.118.67.97 Rating: N/A |
credit score grade - D and C madhyalo unte - chinna banks like orchard bank and first usa( not sure if this one is still in operation) credit card offers pamputhayi with high APR (> 19.99%) desperate ayyesi apply sethe mana history meeda enquiry(hard hit) and also a high apr card - other banks sometimes use your high APR as benchmark for setting apr.. so anni vidhala bokka. | ||
Siloan Legend Username: Siloan Post Number: 31478 Registered: 03-2008 Posted From: 132.174.20.41 Rating: N/A |
bhayya....deeni meedha oka post veyyi...detailed ga Jai PARAKALA | ||
Getafix Hero Username: Getafix Post Number: 12449 Registered: 02-2008 Posted From: 76.118.67.97 Rating: N/A |
kasakio.. below tenets follow ayipo.. - dont apply for store cards.. edanna konte intha discount osthadi ani cheppi counter kada apply cheyisthar...never apply. - credit limit kosam ani high apr unna cards teeskoku.. your current credit worthines makes u prime target segment for high apr credit card companies like orchard bank etc.. dont apply. - take transunion membership.. for 9.99 a month you will get monitoring and lock services and a credit report. Nee credit history meeda soft hits and hard hits telusthayi.. try to minimise those hits.. soft hits are basically prescreened offers.. vatitho effect takkuva but hard hits have effect..so minimise them. - outstanding balance unte teercheyyi.. maintain goood asset/debt ratio.. owning a car helps in increasing credit worthiness.. ade madiri too many revolving credit balances will decrease your credit worthiness. above steps nen last 4 yrs ga folowing and i ve seen marked improvment in my worthines. | ||
Rasputin Hero Username: Rasputin Post Number: 17353 Registered: 02-2008 Posted From: 192.146.101.71 Rating: N/A |
appu = thappu 'period' treat your CC just as a convenient alternative to carrying cash in your pocket all the time (and no nuisance of change) 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
Pulibongaram Side Hero Username: Pulibongaram Post Number: 5407 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
credit ivvadam enduku adi vaadithe thappu anatu soodatam enduku....sess....deenemma naaku eee desam lo konni ardham kaavu.......6k ki car vasthaadi....bed koodaa ade rate lo vasthaadi | ||
Rasputin Hero Username: Rasputin Post Number: 17350 Registered: 02-2008 Posted From: 192.146.101.71 Rating: N/A |
NO NO NO Do not wait until they send you a statement. Pay the bill before the statement closes. The way credit agencies see it, with your current payment pattern is... you have a constant debt of say $1K out of $2K every month, and counts as revolving balance. so, 50% utilization. It would be great if you can keep it in single digit % values. So, pay off your statement balance before the statement closes. 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
Pulibongaram Side Hero Username: Pulibongaram Post Number: 5406 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
ante ardham kaalaa? 23rd statement generate ayithe next month 19th lopala cheyyaail kadaa...chesesthunaa.....ok naa? | ||
Rasputin Hero Username: Rasputin Post Number: 17349 Registered: 02-2008 Posted From: 192.146.101.71 Rating: N/A |
there is a trick to keep the debt to limit ratio low, if you are paying them off anyways. Check the statement closing date of your CC. Eg: if it closes on 15th of a month, pay your balance on 10th of the month itself. So, when they close the statement you are using $50 out of $2K instead of $1K out of $2K and that is what gets reported to credit monitoring agencies. 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
Jodhaa Megastar Username: Jodhaa Post Number: 25732 Registered: 02-2008 Posted From: 69.174.58.116 Rating: N/A |
ippudu antha wild decision enduku ley gaani..nuvvu 2K use chesi ventaney pay chesthey em issue undadhu...becs CC vallu report chesey time ki u r card shows zero balance..revolving credit undakoodadhu....ala untey ratio high undi score goes down. | ||
Blackmamba Moderator Username: Blackmamba Post Number: 24360 Registered: 05-2010 Rating: N/A |
gtalk lo ping sesaa.. | ||
Pulibongaram Side Hero Username: Pulibongaram Post Number: 5404 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
naaku unna okka credit card limit 2k.....every month almost reach avuthaa....kaani ventane pay chesesthaa......500 ki alaa limit chesedaa? emi cheyyaknudaane improve ayindaa....inkopaai lucku gicku ante bourbon lo munchuthaa | ||
Rasputin Hero Username: Rasputin Post Number: 17347 Registered: 02-2008 Posted From: 192.146.101.71 Rating: N/A |
Puli, emi bhayapadaku, credit cards maxed out, 2 times missed making minimum payments, credit score dropped to low 600s. In a year or two it was back to low 700s. Kotha CC apply cheyyaledu, and kept the debt to total credit limit ratio very low. ayina 650+ untey usually emi pedda issue kaadu unless you are looking for a mortgage. Mortgage ki 780+ untey manchi deals vasthaayi. 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
Contra Junior Artist Username: Contra Post Number: 73 Registered: 03-2012 Posted From: 24.171.168.245 Rating: N/A |
ayite eedu nannu mosam chesaadu | ||
Blackmamba Moderator Username: Blackmamba Post Number: 24353 Registered: 05-2010 Rating: N/A |
monthly 3 scores update settadu.. | ||
Contra Junior Artist Username: Contra Post Number: 72 Registered: 03-2012 Posted From: 24.171.168.245 Rating: N/A |
True credit vaadu first time maatrame 3 istaadu.taruvaata only one(TU).3 kavaalante ekkuva pay cheyyali | ||
Tombrady Junior Artist Username: Tombrady Post Number: 582 Registered: 05-2012 Posted From: 216.163.216.5 Rating: N/A |
inni issues madhya endhku le kaani ee sariki oxygen tesesi 8.9% apr tesuko | ||
Buduguuu Hero Username: Buduguuu Post Number: 10856 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
latest ga inko twist enti ante na visa ee year 31st dec ki expire ayipoddi. so adoka badha ayipoyindi ippudu . employment letter kavalante ma company lo chantaanta process undi  | ||
Saint Hero Username: Saint Post Number: 12347 Registered: 01-2011 Posted From: 65.248.129.125 Rating: N/A |
jaffa site... may be if u r above 800...same anipinchavachu...naa actual score ki ck lo vache score ki 30-40 points difference vundi... | ||
Jodhaa Megastar Username: Jodhaa Post Number: 25723 Registered: 02-2008 Posted From: 69.174.58.116 Rating: N/A |
Every year one time you can check your scores for free in http://www.freecreditreport.com/ US bank card untey transunion score free ga choosukovachu any time. | ||
Rebel Side Hero Username: Rebel Post Number: 9553 Registered: 02-2008 Posted From: 151.151.16.21 Rating: N/A |
nice article abt credit score - http://money.cnn.com/2013/01/24/pf/credit-score/index.html | ||
Blackmamba Moderator Username: Blackmamba Post Number: 24345 Registered: 05-2010 Rating: N/A |
truecredit 9.99 ye kada.. | ||
Chillarodu Side Hero Username: Chillarodu Post Number: 2780 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
3 months credit istory ki idhi bestest rate.. kallu moosukoni theesukovaali. | ||
Tombrady Junior Artist Username: Tombrady Post Number: 576 Registered: 05-2012 Posted From: 216.163.216.5 Rating: N/A |
yeah credit karma jaffa lite myfico.com/experian/equifax/transunion lo chusukovali each bank has its own credit agency so annitlo bagundali or http://creditboards.com/forums/index.php?app=creditpulls ee site ki elithe creditors name,state isthe ee agency pull chesaroo ishtundhi atleast u ll know which bank pulls which agency most of the time ani | ||
Truelies Side Hero Username: Truelies Post Number: 6768 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
myfico is not free...its paid service...creditkarma is free and pretty much close to fico score. | ||
Contra Junior Artist Username: Contra Post Number: 71 Registered: 03-2012 Posted From: 24.171.168.245 Rating: N/A |
Even try identity guard.first month free taruvata 14.99 for the 3 credit FICO scores.All sorts of monitoring.Naaku work out avutundi | ||
Tombrady Junior Artist Username: Tombrady Post Number: 575 Registered: 05-2012 Posted From: 216.163.216.5 Rating: N/A |
aadu keka nen oke car credit card kooda ichadu car kone tappudu mahanubhavudu | ||
Contra Junior Artist Username: Contra Post Number: 70 Registered: 03-2012 Posted From: 24.171.168.245 Rating: N/A |
My Experience - 2009 NOV lo us ki vachaaa. Jan lo job vachi car konalsina paristiti.DCU member ship teesukoni.Loan adigite, credit history ledu,mee employer daggaranundi salary doc iste loan istaaa annadu.75k petti employer daggara letter teesukunna.He gave me 15k with 7.99.took it. Taruvaata telisindi entante...ila bada bada credit unions kanna.state lo konni local credit unions vuntaayi ani.3 months taruvaata refinance cheyinchaa..vaadu 4.65 ki ichhadu.same employer letter to credit history ledani. 1 year taruvaata malli inko local credit union(coastal 24) to refinance..ippudu 2.65. | ||
Rebel Side Hero Username: Rebel Post Number: 9550 Registered: 02-2008 Posted From: 151.151.16.21 Rating: N/A |
ee credit karma lanti vatilo chupinchedi FICO score kaadu..there are lot of different typed of scores now.. go to myfico.com for FICO score which is what most lenders use | ||
Methati_idly Side Hero Username: Methati_idly Post Number: 3390 Registered: 01-2012 Posted From: 167.83.101.22 Rating: N/A |
nenu affinity lo chera - rendu car lu konukkunna | ||
Methati_idly Side Hero Username: Methati_idly Post Number: 3389 Registered: 01-2012 Posted From: 167.83.101.22 Rating: N/A |
budugai - mana metta credit habits ki 1st car loan ye 0% APR icheyalante ela..2-3 times gaaattiga taguluddi - tarvata alavataipoddi US ochina 2nd year lo ma kurrodokadiki 0% APR Camry tagilindi - adi almost lottery type ani appatlo teleeka oopukuntu dealer daggariki ella - aadu na face and laangwage ninchi credit history soft pull lagesinattunnaad - 0% APR kadu kada, asalu niku car ammanu d'geyyi annad friends (in mandu session): deenike inta feel aite ela raa, mee BOA vanni adugu ledante FCU vadu homeless nayallaki kuda istad - vadini kaluddam both BOA and FCU - soft_spit esar... finally car ammina magaanubhavudu elagola vadi credit union ni oppinchi credit transfer seyinchad with 12% APR - adi baane kattesan 2nd car loan, little bit heavy amount - same story repeat - last ki 1st time appichina credit union odu 5.5% final, nuvvinkem matladaku annad - tiskunna | ||
Tombrady Junior Artist Username: Tombrady Post Number: 572 Registered: 05-2012 Posted From: 216.163.216.5 Rating: N/A |
affinity federal credit union kooda try cheyyu | ||
Siloan Legend Username: Siloan Post Number: 31456 Registered: 03-2008 Posted From: 132.174.20.41 Rating: N/A |
call jesi kanukko...every month eppudu report chestaaro....alaaga neeeku kavalsina day report sese laaa...maattadu Jai PARAKALA | ||
Buduguuu Hero Username: Buduguuu Post Number: 10855 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
appudu loan sichuveshan enti? | ||
Sasibabu Hero Username: Sasibabu Post Number: 14565 Registered: 11-2009 Posted From: 192.131.85.210 Rating: N/A |
 http://i49.tinypic.com/mhdc11.jpg | ||
Blackmamba Moderator Username: Blackmamba Post Number: 24332 Registered: 05-2010 Rating: N/A |
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All_day Junior Artist Username: All_day Post Number: 280 Registered: 06-2012 Posted From: 107.0.27.252 Rating: N/A |
Secured credit cards apply cheyyi, it will build your credit history. Only Thing We Have to Fear Is Fear Itself - FDR | ||
Rahul Junior Artist Username: Rahul Post Number: 387 Registered: 12-2010 Posted From: 198.176.189.201 Rating: N/A |
already try chesav DCU..  | ||
Tombrady Junior Artist Username: Tombrady Post Number: 571 Registered: 05-2012 Posted From: 216.163.216.5 Rating: N/A |
neeku kavalsina car ee konali new di wifey ki ivvali ante tesesuko think cheyyaku ekkuva  refinance oka 6 months ayyaka try cheyyochu ledu car chalu ante 10k lopu toyota or honda koni credit build ayyaka new di konukovachu | ||
Methati_idly Side Hero Username: Methati_idly Post Number: 3388 Registered: 01-2012 Posted From: 167.83.101.22 Rating: N/A |
same egasperience with Delta airlines card..oka roju nenu ma yaavida ma maanana memu airport lo tirugutunte - 2nd slip lo delta airlines stall odu nannu catch attesadu He: Sir me: (sir annaadante manalni kadu le) He: SIRRR, you just won a gift for urself me:  He: no kidding, all you need to do is fill up this simple form and you could choose from one of these two gifts me: one of the gifts aina alarm clock vaipu  HD: ni yedava kakkurti naku telsu, adi waste, flights ki neck pillow adugu me: AGM ye ippinchandi saar (flight pillow) fataa fat form fill chesi, vaadiki istuu me: do u pull my credit history him: (latukkuna form catch attesad) not now, it will be pulled later during processing me:  couple of 2 weeks tarvata nasty looking card with most barbarious APR rate and $1000 limit intikochindi...baaga hurt ayyi, ventane call chesi card cancel chesa account okati cancel cheyatam valla egastra bokka, hard inquiry ki bokka - totally methati_pillow okati sethilo etti atleast 20 points nakesadu | ||
Rahul Junior Artist Username: Rahul Post Number: 386 Registered: 12-2010 Posted From: 198.176.189.201 Rating: N/A |
budugu , I had good score but credit history age takkuva vunde so 1-2 comapanies reject chesayi citing the same reason..so next DCU vadu ichadu 2.99 ki..try there..ippudu offer nadusthundi 1.99% for auto loans | ||
Saint Hero Username: Saint Post Number: 12345 Registered: 01-2011 Posted From: 65.248.129.125 Rating: N/A |
nee dash...okkodu okko reporting agency ki pothadu...same compfany nunchi ithe ne single pull kinda consider chestharu..multiple ithe multiple hits padathayi... credit score max oka 20 tagguddi..sicne u r getting new credit lines...credit worthiness perigi ..aa tagge score ni koddiga balance chesthadi...avg years per line tagguddi....that is another -ve... | ||
Buduguuu Hero Username: Buduguuu Post Number: 10854 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
loan ki adigite dcu vadu 8.99% ki istanu ani seppedu. intrest suuse benga attukundi. konnalla tarvata re-finance ki eldam ante history eppatiki build avvali. nenu eppudu re-financing ki ellali ani enakki munduki eltunna | ||
Tombrady Junior Artist Username: Tombrady Post Number: 570 Registered: 05-2012 Posted From: 216.163.216.5 Rating: N/A |
nen ilane build chesi credit union lo try chesan 4% ki ichadu eyes close cheuskoni tesukonna auto loans ki credit unions best even credit cards ki membership vunte istharu | ||
Tombrady Junior Artist Username: Tombrady Post Number: 569 Registered: 05-2012 Posted From: 216.163.216.5 Rating: N/A |
mastaru 3 months credit vunnodiki etu raadu ila chesi vunna points pothai if it gets rejected...i feel discover,capital one odu easy ga isthadu vatini apply cheyyali | ||
Kalikaalam Side Hero Username: Kalikaalam Post Number: 6754 Registered: 01-2008 Posted From: 171.159.192.10 Rating: N/A |
Diniki chesedi yemi ledu. yedo oka credit card ni viduvakunda, alaa continue chesthu povadame..Auto loan ichetappudu yekkuva instituions long history chusthaayi(irrespective of your credit score. atla anai mari ghoramain score vunda kudadu). 6 years back naku Toyota finaciel vaadu run chesthe under 700 vachindi. kaani already oka autoloan okka payment miss avvakunda kattina history vundi. Daanini base chesukoni 0% interest ichaadu. | ||
Tombrady Junior Artist Username: Tombrady Post Number: 568 Registered: 05-2012 Posted From: 216.163.216.5 Rating: N/A |
3rd month ke licked ani dialogues aa ujiless used car konu 7k ala etti 1 yr aagi toseyi then happy ga nee istam ochina car konukko | ||
Buduguuu Hero Username: Buduguuu Post Number: 10853 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
ante statement time ki na bill 100$ undala? | ||
Buduguuu Hero Username: Buduguuu Post Number: 10852 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
idem gola guruji.. ippudunna visa.. dcu vadiki apply chesi dobbinchukunnadi visa ee.. em chesedi mari ee lekkana?} | ||
Methati_idly Side Hero Username: Methati_idly Post Number: 3387 Registered: 01-2012 Posted From: 167.83.101.22 Rating: N/A |
nuvvu 900 chesina, month end ki revolving debt < 10% undela plan chesko plus you will need atleast 3 lines of credit..single poori sarma laaga single CC ante pedda build avvadu credit history peragalante, simple tips: - Atleast 3 lines of credit (indulo mortgage unte kevv, auto loans next to kevv) - credit cards lo oka visa, oka discover, oka MC, oka amex ila tisko - apply for all the cards at once so it will be recorded as a single hard pull from ur history - oka 10 points varaku d'guthai - annitiki aa bhagamanthude unnadu ani proceed avvu - ni CC total motham lo month end ki < 10% plan sesko - do NOT miss any payments ni score definite ga peruguddi | ||
Buduguuu Hero Username: Buduguuu Post Number: 10851 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
bill generate kaakamundu kattesina history build avvuudda.. cool. | ||
Tombrady Junior Artist Username: Tombrady Post Number: 567 Registered: 05-2012 Posted From: 216.163.216.5 Rating: N/A |
yeah help avvuddi ur revolving credit will go down and score ki help avvuddi | ||
Buduguuu Hero Username: Buduguuu Post Number: 10850 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
deeni meeda light eyyandi kuusinta | ||
Sasibabu Hero Username: Sasibabu Post Number: 14564 Registered: 11-2009 Posted From: 192.131.85.210 Rating: N/A |
pedda manishaina nela rojulake Mercedez brand new theesi denkav.....meetho maakem polika vayya ....edho second hand toyota, honda gallam  http://i49.tinypic.com/mhdc11.jpg | ||
Buduguuu Hero Username: Buduguuu Post Number: 10849 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
asalu ye bokka ledu ani suupedutunnru dealers .. credit card vaddam start etti idi 3rd month ya | ||
Pulibongaram Side Hero Username: Pulibongaram Post Number: 5402 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
enno yrs kaaledu uncle.......kotha car ani ardham | ||
Ntr_rocks Moderator Username: Ntr_rocks Post Number: 44569 Registered: 04-2009 Rating: N/A |
Always pay your last statement balance before due date. It will save you interest and build credit history | ||
Tombrady Junior Artist Username: Tombrady Post Number: 566 Registered: 05-2012 Posted From: 216.163.216.5 Rating: N/A |
yo budugaii do couple of things 1)revolving credit 30% vunchuko maintain cheyyi for couple of months 2)2nd nee credit cards statements ochaka lets say 18th u ll get all statements anuko...19th na check ur credit score then ventane 10-15 days lo shopping modlau ettu car ki credit score run chesina parledu but aa shopping period lo car koneyi...14% too much 600 vunda enti neeku? | ||
Ntr_rocks Moderator Username: Ntr_rocks Post Number: 44568 Registered: 04-2009 Rating: N/A |
nuvvu vachi chala yrs ayindi anukunta kada...car konaleda ?? | ||
Sasibabu Hero Username: Sasibabu Post Number: 14563 Registered: 11-2009 Posted From: 192.131.85.210 Rating: N/A |
oka pani seyyi budugaaai....geeku....kattu....geeku...kattu....itta nelako 4,5 payments seseyyy http://i49.tinypic.com/mhdc11.jpg | ||
Buduguuu Hero Username: Buduguuu Post Number: 10848 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
inkoka kvochen na statement date 1st to 1st ayyi nenu 20th ki oka 800 ala geekesi, 25th ki bill generate kakamunde 500 kadite history emanna build avvuda? lekapote dabbulunchukuni card vaadatanadu ani dobbamantara | ||
Truelies Side Hero Username: Truelies Post Number: 6766 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
US ki kothaga vasthey ee problems thappavu...unna card tho manage cheyyali..oka 2-3 years ayyaka slow ga kothaga cards apply cheyyali....okati reject aithey, anni oke roju kakunda, oka 2-3 months gap ichi inko card apply cheyyali... too many hits unte inko problem. | ||
Ntr_rocks Moderator Username: Ntr_rocks Post Number: 44567 Registered: 04-2009 Rating: N/A |
oka 6 months aagi call seyyi, inko 250 penchutaadu...taravata no antaadu...ki ki ki | ||
Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 3644 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
Oka six months ittanti evvaaralu emi ettukoka...don't even apply for credit card...if you can't manage without car, check with credit unions, they usually offer lowest APRs...some times dealerships give great APR deals...dorikithey vaatesuko. | ||
Siloan Legend Username: Siloan Post Number: 31454 Registered: 03-2008 Posted From: 132.174.20.41 Rating: N/A |
follow creditkarma updated for two months.... every month nee cc vaadu reporting date ni kanipettu...99% vaadina...reporting day ki 1-2 days mundhu...kateeyyi... idhi indirect process direct process ante...nuvve cc vaadiki call chesi...meeru monthly report sese date seppandi ani kanukko... Jai PARAKALA | ||
Methati_idly Side Hero Username: Methati_idly Post Number: 3385 Registered: 01-2012 Posted From: 167.83.101.22 Rating: N/A |
with a whopping 90% revolving debt and a thin credit history - no wonder u r not getting a decent APR chinna amt auto loan etti 4-5 months lo lepeyyi..oka 10 points varaku peruguddi Credit card bills eppativi appudu pay sesko..revolving debt less than 10% unte ideal | ||
Ntr_rocks Moderator Username: Ntr_rocks Post Number: 44566 Registered: 04-2009 Rating: N/A |
605 vundi ekada...memu batukutunnam...neketi vayya... | ||
Buduguuu Hero Username: Buduguuu Post Number: 10847 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
kattestunna shastri garu. kaani meeru cheptunna 90% ee kottestunnadi naaku | ||
Sasibabu Hero Username: Sasibabu Post Number: 14562 Registered: 11-2009 Posted From: 192.131.85.210 Rating: N/A |
aademma oka 3 months byack......aa capital one vaadu pre approved, pre approved ani okate gola dobbuthaa rojuko letter pampisthaante ....aadi nasa dobbaleka aada ichina number ki call sesaaa.... details oka araganta theesukunnaka aadu Congraaaats....you have been approved ani excite avuthaa seppadu....nenu kooda koosintha excite ayyi limit entha ani adigithe 500 annadu.... thuuuu ani naa meedha nene oosukunna  http://i49.tinypic.com/mhdc11.jpg | ||
Buduguuu Hero Username: Buduguuu Post Number: 10846 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
ante eti? ippudu nenu oka 600 cheste anta padmavati happies aa? inta takkuva amount ee vadutunnappudu credit history build avvudda? | ||
Buduguuu Hero Username: Buduguuu Post Number: 10845 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
nakkuda dcu ma raaju oka 5k card approve sesadu. dani kosam eiting | ||
Methati_idly Side Hero Username: Methati_idly Post Number: 3384 Registered: 01-2012 Posted From: 167.83.101.22 Rating: N/A |
yep, licked if u don't repay the amount in full by the month end neeku 90% revolving debt unnattu...worst behavior idi | ||
Buduguuu Hero Username: Buduguuu Post Number: 10843 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
nenunna naayanamma.. iragadeesi istaraku chestunnar sons okkolluu.. 14% anta apr nakunna buudida hitory ki.literally negligible
hd ki anni kotta cars tippanu. ippudu 14% apr ante gunde gubel antunnadi. second hand car konalante badha ga undi ippudu | ||
Blackmamba Moderator Username: Blackmamba Post Number: 24328 Registered: 05-2010 Rating: N/A |
citi try seyyatam better anukuntunnaa.. capitalone n chase maree 500 istaar evadi G lo ettukodaniko mari.. | ||
Katthi Side Hero Username: Katthi Post Number: 6746 Registered: 07-2010 Posted From: 170.63.120.133 Rating: N/A |
ivi credit history ki report cheyyaru anukunta Papi gadu post este katthi la digali | ||
Blackmamba Moderator Username: Blackmamba Post Number: 24327 Registered: 05-2010 Rating: N/A |
naadi 750 above undani soopistondii mooditlo  | ||
Sasibabu Hero Username: Sasibabu Post Number: 14561 Registered: 11-2009 Posted From: 192.131.85.210 Rating: N/A |
DCU vaadu oka 5K isthaadu....discover,capitalone vallu oka 750$ dhaaka isthaaru http://i49.tinypic.com/mhdc11.jpg | ||
Sasibabu Hero Username: Sasibabu Post Number: 14560 Registered: 11-2009 Posted From: 192.131.85.210 Rating: N/A |
konesi chaka chakaaa one year lo theercheyyi maayyaaa .....appudu perugudhemo http://i49.tinypic.com/mhdc11.jpg | ||
Truelies Side Hero Username: Truelies Post Number: 6765 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
prathi post lo licked, licked anaku saami...depressing ga untundi....time ki anni set avuthayi...just wait anthey.. keep paying all bills promptly.. naa first credit card nenu US vachina 1 yr ki sanction ayyindi with $2000 limit....same card ippudu $12,000 limit...nenu adagakundane vade penchuthunnadu.. | ||
Pulibongaram Side Hero Username: Pulibongaram Post Number: 5401 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
sare.....ippudu ye banks vaadu credit card isthaadu naaku.... | ||
Sasibabu Hero Username: Sasibabu Post Number: 14559 Registered: 11-2009 Posted From: 192.131.85.210 Rating: N/A |
guddochi pilla ni ekkirichindhanta  http://i49.tinypic.com/mhdc11.jpg | ||
Buduguuu Hero Username: Buduguuu Post Number: 10842 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
ardam ayyettu seppi saavandi guruji (gudumba shnakr style) | ||
Pulibongaram Side Hero Username: Pulibongaram Post Number: 5400 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
vaake....inka peekedemi ledu ani ardhamayindi.......thadi gudda esukoni podukuntaa.......car konaalante andaru edavalu APR kummesthaaremo | ||
Buduguuu Hero Username: Buduguuu Post Number: 10841 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
inkemi levu  | ||
Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 3643 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
Lite teesuko, just keep paying bills ontime, eventually they will go away...there is nothing you can do at this point. Whatever you can do is way to time consuming and complicated. | ||
Blackmamba Moderator Username: Blackmamba Post Number: 24326 Registered: 05-2010 Rating: N/A |
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Truelies Side Hero Username: Truelies Post Number: 6764 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
adi okkatena? inka vere cards kooda unnaya..?? unte distribute across different cards...but okkate card undi, every month above 90% use chesthunte...kotha appulu ivvadam kashtam avuthundi. pedda problem aithey emi kadu... there are multiple factors with affect credit score...andulo idi kooda okati anthey.. | ||
Megastar Username: Twitter Post Number: 24849 Registered: 10-2009 Posted From: 199.67.140.56 Rating: N/A |
nuv koddhiga weight perigedhaaka | ||
Buduguuu Hero Username: Buduguuu Post Number: 10840 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
aite nen for now licked ee antaru. anthena | ||
Sasibabu Hero Username: Sasibabu Post Number: 14558 Registered: 11-2009 Posted From: 192.131.85.210 Rating: N/A |
Transunion score 690 sooyithaandhi ......parledhaaa kaadhaa http://i49.tinypic.com/mhdc11.jpg | ||
Truelies Side Hero Username: Truelies Post Number: 6762 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
manam kotha vastham US ki, so US vachaka oka 1,2 years ki credit start avuthundi..so length of credit history thakkuva...emi cheyyalem...but wait for atleast 4-5 years...next kummeyyochu....all credit cards, 0% apr pandaga chesukochu.. | ||
Buduguuu Hero Username: Buduguuu Post Number: 10839 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
ennallu  | ||
Pulibongaram Side Hero Username: Pulibongaram Post Number: 5399 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
yes.....adi rendu choopinchindi.....adi credit history...nuvvu adigindi credit score kadaa.... | ||
Megastar Username: Twitter Post Number: 24847 Registered: 10-2009 Posted From: 199.67.140.56 Rating: N/A |
creditkarma.com kooda free ye | ||
Jodhaa Megastar Username: Jodhaa Post Number: 25710 Registered: 02-2008 Posted From: 69.174.58.116 Rating: N/A |
}wait cheyyaali... | ||
Blackmamba Moderator Username: Blackmamba Post Number: 24323 Registered: 05-2010 Rating: N/A |
checks tho payments credit history or score ki emanna advantage undaa? | ||
Zulu Hero Username: Zulu Post Number: 15977 Registered: 02-2008 Posted From: 199.168.243.252 Rating: N/A |
first thing..experian lo E rendu casulu choopinchindi? leda? choopisthey..emi peekalevu..thidigudda vesukuni padukoo.. but, those dont look big to me..no lenders emi bhayapadaru..alanti chinna chinnamistakes choosi.. Regarding Credit score, freecreditreport lone free trail membership theesuko..score choosukuni cancel cheseyyi | ||
Buduguuu Hero Username: Buduguuu Post Number: 10838 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
eti sesedi unkel mari?} | ||
Buduguuu Hero Username: Buduguuu Post Number: 10837 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
annai, naak card meeda 1000$ undi limit. nen monthly almost 900 daaka geekesta card meeda. licked antara :|
due date kalla outstanding money katteste credit build avvadu anta.. nijamena? i mean banks will asumme money undi cards just vaadatannadu. li8 ani? | ||
Megastar Username: Twitter Post Number: 24846 Registered: 10-2009 Posted From: 199.67.140.56 Rating: N/A |
ivanni delinquent acts kindha padi untai they disappear after 3 yrs or so. navi ala rendu case lu undevi avvi disappear avve lopu inko rendu paddai | ||
Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 19977 Registered: 02-2009 Rating: N/A |
score and history are diff | ||
Pulibongaram Side Hero Username: Pulibongaram Post Number: 5398 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
*USPS | ||
Truelies Side Hero Username: Truelies Post Number: 6761 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
varni ... bayapettakandi saami kurroni.....puli..nothing happen....its just temporary.....give it a few months....and don't apply for new cards or don't allow any hard hits on credit...just leave it as is and be prompt in all new payments.. you will see rise in score within few months....after that no one cares your negative items...believe me...from personal experince.. | ||
Pulibongaram Side Hero Username: Pulibongaram Post Number: 5397 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
apt theesukunetappudu.......vaallu edo run cehsaar FICO anukuntaa 650 entho undi | ||
Buduguuu Hero Username: Buduguuu Post Number: 10836 Registered: 01-2012 Posted From: 199.249.176.251 Rating: N/A |
naaku creditkarma lo suutte score 720 ento undi. kani auto loans ki ellinappudu no credit history ani 12% intrests cheptunnaru . eti sesedi | ||
Pulibongaram Side Hero Username: Pulibongaram Post Number: 5396 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
free report onlu choosaa experian lo....migathaa rendu choopinchaledu soemthign like we dont have your record ani edo undi.....went through annualcreditreport.com credit score okasaari choodataaniki best option endi? | ||
Truelies Side Hero Username: Truelies Post Number: 6760 Registered: 05-2012 Posted From: 74.237.6.152 Rating: N/A |
avi eventually pothayi...after 6 or 7 years...but dont' worry.... -create automatic payments online, so that you won't miss payments. -keep paying promptly every month without missing due date -clear all your credit cards in full or at least minimum payment by due date. -keep the debit ratio low (ante card meeda 10,000 limit unte 10,000 vadukoddu) -also edanna issue unte, first bill pay chesesi, next valltho (like card or bank) fight cheyyi for refund..but don't stop payments. just let the history age....you will automatically see the rise in your credit score. there is nothing much you can do now. | ||
Siloan Legend Username: Siloan Post Number: 31447 Registered: 03-2008 Posted From: 132.174.20.41 Rating: N/A |
pule...nee mistake aithe ..7 years varaku likkedu Jai PARAKALA | ||
Blackmamba Moderator Username: Blackmamba Post Number: 24322 Registered: 05-2010 Rating: N/A |
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Pulibongaram Side Hero Username: Pulibongaram Post Number: 5395 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
ok...naa laanti teliyani gootles ki....USP ki olo $1 ki address forarding pettukovachu...one year varaku forward chesthaadu kotha address ki....with some exceptions | ||
Chillarodu Side Hero Username: Chillarodu Post Number: 2777 Registered: 03-2008 Posted From: 173.162.149.129 Rating: N/A |
score 700 paine vunte.. lite.. | ||
Zulu Hero Username: Zulu Post Number: 15976 Registered: 02-2008 Posted From: 199.168.243.252 Rating: N/A |
Inthaki nee credit report choosava ledha? | ||
Pulibongaram Side Hero Username: Pulibongaram Post Number: 5392 Registered: 03-2012 Posted From: 162.115.108.104 Rating: N/A |
ok....aa majjana BoA gaadiki credit limit increase seyyamante reject sesaad....sare ani free credit report soosaa...only experian.... rendu bad thigns unnaayi 1. idi naa mistake.....nenu location maaraaka comcast bill kattaledu......marchipoyyaa.....no one called me(naa mobile no change kaaledu)....appatlo USPS address forward facility undani teleedu......so daani sangathi marchipoyyaa... 2. some doctor gaadi deductible....nenu aa time lo state maaraanu...eppudu bill raaledu.....idi state maarina tharvaatha oka collection agency call chesindi....immediate gaa check ampaanu.......vaadu check ampithe report cheyyam annaadu.....kaani chesaadu..... rendu small amounts ye....150....130 first di call chesi cehck pampisthaanu.....but how to get these two out of my history.....leka avi alaane untaayaa...totally licked antaaraa? |