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How to increase credit history.

Chalanachithram.com DB » New TF Industry Related » Archive through September 16, 2016 » How to increase credit history. « Previous Next »
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Mamamiya786
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Posted on Thursday, September 15, 2016 - 02:55 pm:       


Gotcha:

ure nuvvu kuda share cheyali, t




sure...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Gotcha
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Posted on Thursday, September 15, 2016 - 02:53 pm:       


Mamamiya786:


sure nuvvu kuda share cheyali, two way street
...
 

Mamamiya786
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Posted on Thursday, September 15, 2016 - 02:45 pm:       

Gotcha ,,mama nakuuda share chesuko vachhu gada aa details...

mamamiya786@yahoo.com
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Saint
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Posted on Thursday, September 15, 2016 - 02:20 pm:       


Mamamiya786:


itta, alochinche m gudisi poya....i believe credit card loan is dangerous..... athyavsaram tithe tappa tteyanu....done deal.




I agree..very dangerous..
 

Saint
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Posted on Thursday, September 15, 2016 - 02:18 pm:       


Gotcha:

whatsapp lo pampa nuvve contact cheyaledu, Chesina valaki anni icha. I gave all details to Mav :-)


Thanks yee..will chk ur messages in whatsapp...
 

Mamamiya786
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Posted on Thursday, September 15, 2016 - 01:19 pm:       


Jai_ycp:

does interest paind on office condo are deductable? or motthamu income kindhe choopinchala?




peddle idea ledu ... CPA chusukuntadu ...ei sari adagali. good question.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Jai_ycp
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Posted on Thursday, September 15, 2016 - 12:32 pm:       


Mamamiya786:



does interest paind on office condo are deductable? or motthamu income kindhe choopinchala?
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Jai_ycp
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Posted on Thursday, September 15, 2016 - 12:30 pm:       

mee andariki antha BT cars, personal loans avasaramu enduku? do you invest money somewhere else? Okasari Kuda BT vadaledhu. ee roju CC max fill avvaledhu. CC interest kattamu ane concept ledhu.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Gotcha
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Posted on Thursday, September 15, 2016 - 12:29 pm:       


Mamamiya786:


that explains ur purchase price is half of mine so neede better
...
 

Gotcha
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Posted on Thursday, September 15, 2016 - 12:28 pm:       


Saint:


whatsapp lo pampa nuvve contact cheyaledu, Chesina valaki anni icha. I gave all details to Mav :-)
...
 

Mamamiya786
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Posted on Thursday, September 15, 2016 - 12:22 pm:       


Saint:

asalu personal loans enduku antunna bhayya?
antha % APR lu kattalsina pani enti?




itta, alochinche m gudisi poya....i believe credit card loan is dangerous..... athyavsaram tithe tappa tteyanu....done deal.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Saint
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Posted on Thursday, September 15, 2016 - 12:21 pm:       


Gotcha:


aada konna eeda konna ani cheppatame kaani..links reference sites emi ivvale..

search ekkada start cheyyali? ekkada choodali...etla approach avvali cheppu
 

Saint
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Posted on Thursday, September 15, 2016 - 12:20 pm:       


Mamamiya786:


My Credit history is not good. so i got to take it ...dinchatam ledu bongo ledu ..evadi avasaram vcdidi.

Neck vachhina deal naku ravalani ledu..




yes mama..idi ithe correst..everything depends on Credit history...
 

Mamamiya786
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Posted on Thursday, September 15, 2016 - 12:20 pm:       


Gotcha:

vishayam lo 25$ akkada expecting rate




sura ? purchase price entha vuntudi..dallas lo.

i spent around 125 -130 per sql food while buying ...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Gotcha
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Posted on Thursday, September 15, 2016 - 12:19 pm:       


Mahesh_fan:


yes
...
 

Mahesh_fan
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Posted on Thursday, September 15, 2016 - 12:18 pm:       


Gotcha:


10 years lo clear cheyavachu kadha nuvu
 

Gotcha
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Posted on Thursday, September 15, 2016 - 12:17 pm:       


Mamamiya786:


cool mama Dallas rocks ee vishayam lo 25$ akkada expecting rate
...
 

Mamamiya786
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Posted on Thursday, September 15, 2016 - 12:13 pm:       


Gotcha:

per sq ft for yearly enta vastundi mee daniki. I bought one recently so wanted to check how is it in Atlanta.




14 dollars per sq.food. 18k kvastundzi year ki total 1140 sq.ft.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Mamamiya786
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Posted on Thursday, September 15, 2016 - 12:12 pm:       


Saint:

.naaku 6 years ki 10.99 ki istha annadu..3 years ithe 7.99 annadu...past lo...




My Credit history is not good. so i got to take it ...dinchatam ledu bongo ledu ..evadi avasaram vcdidi.

Neck vachhina deal naku ravalani ledu..
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Saint
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Posted on Thursday, September 15, 2016 - 12:00 pm:       


Gotcha:

yo miguide cheyaku. Personal loans vachinaka LOC's eppudu ayina teesukovachu not other way. LOC's tesukunte personal loan ivadu


asalu personal loans enduku antunna bhayya?
antha % APR lu kattalsina pani enti?

LOC ni 200k chesukunte, ee time lo minimum 150k meeda BT offers eppdu vuntayi....but repayment plan chesukuni tesukovali ....I took PL in Discover in 2014...1 year lo lepidobba....avathala side 3% ki vastha vunte eediki antha kattatam waste ani....but PL lo longer term vasthundi anna okka advantage tappthe, waste ani naa tokkalo opinion....18-21 months 0% APR cards tesukunte all set...
 

Galodu
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Posted on Thursday, September 15, 2016 - 11:46 am:       

Credit card utilization is Major factor apart from detergent marks. If possible try to maintain >9% if not atleast try to maintain >30%.

Dont run for credit enquiries some everything. Try to limit 2-3 in year. if possible try to share with spouse for credit enquiries

Number of account and Length of credit also factor. But minor. Dont close accounts especially oldest credit cards. Even if you are outof country let it continue credit cards. Dont close it.
 

Gotcha
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Posted on Thursday, September 15, 2016 - 11:44 am:       


Saint:


yo miguide cheyaku. Personal loans vachinaka LOC's eppudu ayina teesukovachu not other way. LOC's tesukunte personal loan ivadu
...
 

Saint
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Posted on Thursday, September 15, 2016 - 11:40 am:       


Mahesh_fan:


credit score padipothundhi .. kavalisinapudu apply cheyali antey evadu dhekadu




credit score pani emundi tammi..unless u r plannig to make big purchases like home / car / INdia lo real estate....if u r planning u will know it 1 year in advance know??? plan accordingly...1 year ahead plan cheyyali...

India lo real estate ante pitcha lite...antha ga ithe stocks lo nunchi teesi ettu
 

Mahesh_fan
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Posted on Thursday, September 15, 2016 - 11:34 am:       


Saint:

7-8% waste amma..apply 2-3 credit cards and take BT....that is better...



credit score padipothundhi .. kavalisinapudu apply cheyali antey evadu dhekadu
 

Saint
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Posted on Thursday, September 15, 2016 - 11:33 am:       


Mahesh_fan:


ok ....avasaram unnapudu apply chesthanu




7-8% waste amma..apply 2-3 credit cards and take BT....that is better...
 

Mahesh_fan
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Posted on Thursday, September 15, 2016 - 11:32 am:       


Gotcha:

pnc will give 0.25% discount if autopay, call chesi matladu he will give other discounts



ok ....chat lo try chesthay rate change cheyatam kastam annadu
 

Mahesh_fan
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Posted on Thursday, September 15, 2016 - 11:19 am:       


Gotcha:

pnc will give 0.25% discount if autopay, call chesi matladu he will give other discounts



ok ....avasaram unnapudu apply chesthanu
 

Gotcha
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Posted on Thursday, September 15, 2016 - 11:15 am:       

pnc will give 0.25% discount if autopay, call chesi matladu he will give other discounts
...
 

Mahesh_fan
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Posted on Thursday, September 15, 2016 - 11:12 am:       


Gotcha:



pnc vadi current rates 7.24% unnayi
 

Saint
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Posted on Thursday, September 15, 2016 - 11:09 am:       


Mamamiya786:



No 36months... 18 months lo pay cheyali...adi target.




dinchadu annai ithe....naaku 6 years ki 10.99 ki istha annadu..3 years ithe 7.99 annadu...past lo...
 

Gotcha
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Posted on Thursday, September 15, 2016 - 11:09 am:       


Mahesh_fan:


naa purchase price $255 per sq ft.
...
 

Mahesh_fan
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Posted on Thursday, September 15, 2016 - 11:08 am:       


Gotcha:

per sq ft for yearly enta vastundi mee daniki. I bought one recently so wanted to check how is it in Atlanta.



enthaki konnavu..
 

Gotcha
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Posted on Thursday, September 15, 2016 - 11:01 am:       


Mamamiya786:

naku office condo meeda income vastundi


per sq ft for yearly enta vastundi mee daniki. I bought one recently so wanted to check how is it in Atlanta.
...
 

Gotcha
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Posted on Thursday, September 15, 2016 - 11:00 am:       


Mamamiya786:

Personnel loans ki emi chustadu ...? entha limit vuntudi ..50k kavalante istada ...


only credit history check chesi istadu. 50k istadu but daaniki too much salary undali. safe ga 25k ayite first time evadaina istadu.
...
 

Mahesh_fan
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Posted on Thursday, September 15, 2016 - 10:15 am:       


Rasputin:

Get a new CC, with a high limit



high limits kavali antey ravu kadha...
 

Mamamiya786
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Posted on Thursday, September 15, 2016 - 10:14 am:       


Saarang:

rentals are not considered active.




not active ante ? naku office condo meeda income vastundi ... dankix tax latte pain leda...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Mamamiya786
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Posted on Thursday, September 15, 2016 - 10:11 am:       


Rowdy:

Mamamiya annee chesina oeragatledante edo hole undi ... adenmito file chudakunda cheppadam kashtam




Prastutaniki 700 plus vend ..average 728 vundi 3 companies kalipi. Ikkada nuncio legali ante konni smart ga cheyali ..like 10 percent usage of credit cards etc , chuddam ela vuntundo mound mundu.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Mamamiya786
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Posted on Thursday, September 15, 2016 - 10:09 am:       


Gotcha:

pnc.com he offers 7% personal loans
Or best try prosper.com




Personnel loans ki emi chustadu ...? entha limit vuntudi ..50k kavalante istada ...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Mamamiya786
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Posted on Thursday, September 15, 2016 - 10:08 am:       


Saint:

nuvvu probably 5 or 6 years tesukuni vuntavu..right?




No 36months... 18 months lo pay cheyali...adi target.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Rasputin
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Posted on Thursday, September 15, 2016 - 08:24 am:       


Heineken:


Andaroo Ee post follow avvandi.

1. Get a new CC, with a high limit and keep utilization low.
2. Keep debt to credit ratio lower than 10% if possible (or <20%)

660 nundi 800 ki teesukuvachaa. Appatlo only $7K total limit undedi on 3 ccs i got as a student. Bumped it to around 35k in 6-9 months.
01/06/2012 - 169.4; 8/1/2013 - 182
 

Kingjames
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Posted on Wednesday, September 14, 2016 - 09:13 pm:       


Gotcha:


lol...antha scene ledu babu consulting lo...normal ga house kondam ani chustunte, job ayyi move avvalsi vaste enti situation gurunchi research chesinapudu adi telisindi...
 

Gotcha
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Posted on Wednesday, September 14, 2016 - 09:01 pm:       

Kingjames kummestadu rapati nunchi ayite
...
 

Kingjames
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Posted on Wednesday, September 14, 2016 - 08:50 pm:       


Saarang:


Thank You!
 

Saarang
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Posted on Wednesday, September 14, 2016 - 08:36 pm:       


Kingjames:

Saarang:

Its passive income. Visa status ki sambandham ledhu. Many people that dont even live in us have rental propertie

Yes, oka property vunte passive annaru, more than 1 and getting rent is like doing real estate and active income antunnaru, is it true ?




I don't think so. You can have as many as you want. Flipping properties ayithe considered active income...rentals are not considered active.
 

Kingjames
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Posted on Wednesday, September 14, 2016 - 08:32 pm:       


Saarang:

Its passive income. Visa status ki sambandham ledhu. Many people that dont even live in us have rental propertie


Yes, oka property vunte passive annaru, more than 1 and getting rent is like doing real estate and active income antunnaru, is it true ?
 

Saarang
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Posted on Wednesday, September 14, 2016 - 08:30 pm:       


Kingjames:

Gotcha:

fine kaadu, is it legal ? Is it according to papers ?

Evarayina complaint cheste licked aa ?




Its passive income. Visa status ki sambandham ledhu. Many people that dont even live in us have rental properties.
 

Kingjames
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Posted on Wednesday, September 14, 2016 - 08:24 pm:       


Gotcha:


fine kaadu, is it legal ? Is it according to papers ?

Evarayina complaint cheste licked aa ?
 

Gotcha
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Posted on Wednesday, September 14, 2016 - 08:23 pm:       


Kingjames:


its fine, stock lo konakudadu 401k lo petakudadu ala ayite as u get income kada
...
 

Kingjames
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Posted on Wednesday, September 14, 2016 - 08:21 pm:       

Gotcha vuncle,

H1 meda vunna vallu ala rent ki ichi money tesukovacha ?

Active income vundakudadu, passive aithe ok annaru, is it true ?
 

Gotcha
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Posted on Wednesday, September 14, 2016 - 08:18 pm:       

160k bt meeda appu cheyagaligite, dallas lo illu vastadi getting 1500 per month ante year 18k revenue, almost 10% ROI. Vadukondi aa LOC ni ilaga
...
 

Gotcha
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Posted on Wednesday, September 14, 2016 - 08:15 pm:       


Saint:


ledu naadi 5 years 6.99%

Already pnc vadu oka 25k ichadu for 6.75% ayina discover vadu kuda ichadu:-)
...
 

Saint
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Posted on Wednesday, September 14, 2016 - 07:47 pm:       


Vjawarrior:

dont put in options by borrowing from credit cards...tempt avvamaaku bedar


why vijaya? kodithe enugu khumbathalanne kottali kada...
 

Vjawarrior
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Posted on Wednesday, September 14, 2016 - 07:44 pm:       


Saint:


3% BT fee 15 -18 months 0% APR is too tempting..


dont put in options by borrowing from credit cards...tempt avvamaaku bedar
 

Saint
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Posted on Wednesday, September 14, 2016 - 07:43 pm:       


Rajusk:



Saint kurrod..

Yearly oka 100k India lo 2% ki thippi..inko 100k tho Mumbai stock exchange ni gallanthu sesthu untadu ani talk



mee laaga savings lenollu appulathone kapuram cheyyali raju gaaru...

3% BT fee 15 -18 months 0% APR is too tempting..
 

Saint
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Posted on Wednesday, September 14, 2016 - 07:37 pm:       


Mamamiya786:



This is good... we took 35k for 10.99 rate ...and paid of a lot of credit cards..Really helped. Planning to pay off in 18 months.




nuvvu probably 5 or 6 years tesukuni vuntavu..right?
 

Saint
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Posted on Wednesday, September 14, 2016 - 07:37 pm:       


Mahesh_fan:

antha lekapothay waste AAA inka chepu swamy


naaku ledu..so manamantha waste annatte...200k atleast 150k 0% APR BT itchna kummeyochu....
 

Saint
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Posted on Wednesday, September 14, 2016 - 07:36 pm:       


Gotcha:

vammo. discover vaadu naaku 7% ki ichadu, neeku baga band vestunadu


It depends on the tenure and loan amount...
if u take 3 years & 15-20k, u will get it for 6.99, each year perige koddi oka % add avutha vuntadi..
 

Rowdy
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Posted on Wednesday, September 14, 2016 - 07:19 pm:       


Gotcha:



Ok naku ippudu avasaram ledu ... no more loans or credit cards ani vratam chepattanu
Mamamiya annee chesina oeragatledante edo hole undi ... adenmito file chudakunda cheppadam kashtam
 

Gotcha
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Posted on Wednesday, September 14, 2016 - 07:12 pm:       


Mamamiya786:


10+ ledu nee credit score bagunte min 6.99 istadu. I took year back.
Rowdy,
DCU vadi personal loans cheap kaadu only auto loans cheap

Try pnc.com he offers 7% personal loans
Or best try prosper.com
...
 

Rajusk
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Posted on Wednesday, September 14, 2016 - 06:28 pm:       


Kingjames:

Aa personal loans endi, aa APR lu endi...meremanna business lu chestara enti...chuss..




Saint kurrod..

Yearly oka 100k India lo 2% ki thippi..inko 100k tho Mumbai stock exchange ni gallanthu sesthu untadu ani talk
 

Mamamiya786
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Posted on Wednesday, September 14, 2016 - 06:13 pm:       

credit history balenappudu 2 perent 3 percent ki evadu ivvadu....

you should pay 10 percent minimum.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Kingjames
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Posted on Wednesday, September 14, 2016 - 05:43 pm:       

Aa personal loans endi, aa APR lu endi...meremanna business lu chestara enti...chuss..
 

Rowdy
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Posted on Wednesday, September 14, 2016 - 05:39 pm:       


Sony:

personal loan ki 8% APR aaa, too much annai, credit unions less than 2% iche vaalu kuda untaru




Gotcha:

vammo. discover vaadu naaku 7% ki ichadu, neeku baga band vestunadu




abba, credit history bad undi ane kadaa aa scheme ki poindi ... aa time ki adi ivvadame ekkuva ... ippudu istadu le DCU vadu immante oka 10K kallu musukuni 5% ki alaa ...
 

Mamamiya786
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Posted on Wednesday, September 14, 2016 - 05:30 pm:       


Gotcha:

discover vaadu naaku 7% ki ichadu, neeku baga band vestunadu




current rate aithe 10 plus vundi..neeku eppudu ichhadu aa rate.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Gandhiguevara
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Posted on Wednesday, September 14, 2016 - 05:24 pm:       


Mahesh_fan:

but interest rate too high kadha


whole idea of this bokadia credit score ye adhi kadhaa...emi chesinaa byaanki ke vaddi annatlu
 

Mahesh_fan
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Posted on Wednesday, September 14, 2016 - 02:15 pm:       


Heineken:


but interest rate too high kadha
 

Heineken
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Posted on Wednesday, September 14, 2016 - 01:50 pm:       

homeloan,carloan,paying creditcards on time, phonebills ivinna waste. they will have a very little effect on your credit score.

lets say you have 2 credit cards total credit line is 5000.and you owe 2500. your credit card usage is 50%.if you apply another credit card if you get approved with a credit line of 10000 your credit consumption automatically dropped down to below 25% . 2 months lo 40-50 points credit score perugutadi.
but this is short term. if you dont use the credit line and keep paying back the points start going down.

taking and repaying unsecured loans will have very high impact on your credit score.

take parsonal loan and pay it off. do it 2-3 times over a period of a year or two. each time you pay of your personal loan the next time you apply they will give you higher amount. this will build your score slowly and steadily.
 

Mamamiya786
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Posted on Wednesday, September 14, 2016 - 01:32 pm:       


Rowdy:

discover personal loan (10% interest)




This is good... we took 35k for 10.99 rate ...and paid of a lot of credit cards..Really helped. Planning to pay off in 18 months.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Gotcha
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Posted on Wednesday, September 14, 2016 - 12:29 pm:       


Rowdy:

consolidated most of the cards to one discover personal loan (10% interest)


vammo. discover vaadu naaku 7% ki ichadu, neeku baga band vestunadu
...
 

Gotcha
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Posted on Wednesday, September 14, 2016 - 12:27 pm:       


Mamamiya786:

.that one is for smart people.


not for smart people, for street smart people.
...
 

Mahesh_fan
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Posted on Wednesday, September 14, 2016 - 12:17 pm:       


Saint:


antha lekapothay waste AAA inka chepu swamy
 

Mahesh_fan
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Posted on Wednesday, September 14, 2016 - 12:05 pm:       


Sony:

personal loan ki 8% APR aaa, too much annai, credit unions less than 2% iche vaalu kuda untaru



link please
 

Rowdy
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Posted on Wednesday, September 14, 2016 - 12:02 pm:       


Rowdy:


credit history improve avvalante old cards close cheyyakudadu, total length mana chetilo undadu kabatti, at least avg length padakunda chusukovali, more cards you apply, lesser the avg length ... ilaa anamata


 

Saint
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Posted on Wednesday, September 14, 2016 - 12:02 pm:       


Kranth1:


Antha limit unna vallu kuda unnara annay


minimum antha leka pothe inka waste amma
 

Rowdy
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Posted on Wednesday, September 14, 2016 - 12:00 pm:       

630 odd nunchi ippudu 750

nenu chesinadi ...

1. consolidated most of the cards to one discover personal loan (10% interest)
2. deb/cre ratio < 10% ki techa ...
by applying for more cards (with high credit line like amex, discover)
and by paying most of the cards with high APR
3. store cards like target, walmart etc close chesanu (opened in last 4 years, old cards matram intact unchanu, so average length of history peddaga affect avvakunda)
4. never missedd monthly payments, hospital bills emanna pending unte nene call chesi vallani dobbi clear chesedaka urukoledu

ilaa ippudu 3.0 vantagescore (mostly idi follow avutaru anta banks) lo 750 ki vachi aagindi ... hopefully aa personal loan aipote 800 touch chestanemo! :D

credit history improve avvalante

already discover vadu 800 chupistunnadu naa score, lol
 

Babu
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Posted on Wednesday, September 14, 2016 - 11:57 am:       

naadhi 245K ...chana mandhi CB, FW, FT lalo...500K to 1M unnollu kuda unnaru

mortgage kosamani 2 yrs nunchi..no new card..otherwise 500K planning..ippatike 24 cards undevi...ippudu 16 ki unnnayi...konchem nidhananga velthunna..
 

Kranth1
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Posted on Wednesday, September 14, 2016 - 11:56 am:       


Sony:

personal loan ki 8% APR aaa, too much annai, credit unions less than 2% iche vaalu kuda untaru




Ekkada undhi bro. Mana Hartford daggara emanna CUs unnaya?
Eppudu raajakeeya nayakulni vimarsinche pourudu raajakeeya nayakudu ayithe inka ekkuva dochukuntadu - RGV
 

Kranth1
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Posted on Wednesday, September 14, 2016 - 11:55 am:       


Saint:

200k limit




Antha limit unna vallu kuda unnara annay
Eppudu raajakeeya nayakulni vimarsinche pourudu raajakeeya nayakudu ayithe inka ekkuva dochukuntadu - RGV
 

Saint
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Posted on Wednesday, September 14, 2016 - 11:51 am:       

naa utilization ppudu 60% vundi...3-4 months back 85% vundedi..next 4 months lo 20% ki vasthundi...March time ki < 5% ki vasthundi...


Having higher credit limits will help reducing the utilization.....200k limit vunte, 20% anukunna 40k..adannammata matter
 

Saint
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Posted on Wednesday, September 14, 2016 - 11:50 am:       

avg Length of credit history
sum of credit line
length of oldest card
%utilization
different types of loans

%utilization, overall ga 20% vunna okka card meeda 70-80% vunte score paduddi...
different types of loans, personal loan, auto loan, house loan vundi pay off chestha vunte bestoo

Most importantly no -ve remarks in ur credit reports...

I dont worry much about credit score unless I am planning to apply for new credit. ippati daka year lo one month 750-760 range lo vuntadi..migatha time antha 600-650 range...BTs valla...

score penchali anukunnappudu, just I pay off all the cards..automatic ga adi 750 ki ellipoddi....
 

Mamamiya786
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Posted on Wednesday, September 14, 2016 - 11:46 am:       


Gotcha:

ndi saami consulting companies unayi neeku ayina credit bad, how is it possible?




ei gossippu lu envi salami comedy ga vunid....i am an employee ....works for a startup in hadoop.
and single salary ..no wife working.

consulting is a myth....try chesanu ... chestunnanu....dani meeda dammidi aadayam ledu so far educe pettadame ...that one is for smart people.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Babu
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Posted on Wednesday, September 14, 2016 - 11:43 am:       


Mamamiya786:

Experts , konchem salahalu ivvandi.

Athi kastam meeda 640 nunchi 715 ki techhanu ..ikkada nunchi increase avvalante emi cheyali..

credit card regular ga pay cheste increase avutunda...ei debt to income ration enti saaami champestunnadi.




chala simple bro..

utilization keep it to below 10% preferably 5-7%
oka card medha..70 - 70% utlization undha like if you used bt?
enni accts unnayi.....try for more credit lines.without going for new cards.. ee cards unnayo chepthe..i can suggest.
auto loan /personal loan or student loan unte..better...?


make sure only 1 or 2 report balances and not all cards.
 

Twitter
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Posted on Wednesday, September 14, 2016 - 11:32 am:       


Mamamiya786:

credit cards meeda balance transfers 25k vend ...daani pay off chesax 7k ki tech...


ok .ty
 

Sony
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Posted on Wednesday, September 14, 2016 - 11:32 am:       


Mahesh_fan:

8% minimum pay cheyali kadha.. secured loan tesukovali inka


personal loan ki 8% APR aaa, too much annai, credit unions less than 2% iche vaalu kuda untaru
 

Gotcha
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Posted on Wednesday, September 14, 2016 - 11:26 am:       


Mamamiya786:


endi saami consulting companies unayi neeku ayina credit bad, how is it possible?
...
 

Kranth1
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Posted on Wednesday, September 14, 2016 - 11:16 am:       

Nenu car loan theeskunnappudu 720s lo unde. After an year of payments 770-780 lo kottukuntundhi.

Inka peragatle, though I maintain my utilization at 6%....Naa nunchi inkaaa edho expect chesthunnadu :D
Eppudu raajakeeya nayakulni vimarsinche pourudu raajakeeya nayakudu ayithe inka ekkuva dochukuntadu - RGV
 

Politricks
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Posted on Wednesday, September 14, 2016 - 11:13 am:       

Mamamiya

My Score is 715 and it will NOT increase ani decide ayya...reason simple..CC Bills yekkuva unnay and ippatlo pay off chese scene kuda ledu! Clearly I am having above 50% APPU of my credit limit...so I know only way to increase score is PAY OFF some of credit card loans WHICH I CANNOT DO! Kakapothe aa 715 scroe ala maintain chesthe NOT BAD!

Same way it would be OK if you can keep your score above 700...not bad! 600s lo undatam ayithe VERY BAD and chala problems untaayi!
 

Cocanada
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Posted on Wednesday, September 14, 2016 - 11:09 am:       

america ochi 10 years daataali

revolving debt <1000 undaali

edaina term loan like car completely pay off cheyaali
 

Kingjames
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Posted on Wednesday, September 14, 2016 - 11:07 am:       


Mamamiya786:


Credit score and credit history diff..IMO.

Score easy ga taggachu(for small mistakes) and easy ga peragavhu...Recent ga SSN vachi, 2-3 add in cards vunte score easy ga 750 vuntadii but CC lu apply cheste raavu, vachina credit line ekuva raadu bcoz of no credit history..

Credit history will effect if you close ur old cards or accounts....Credit history is more important than credit score....
 

Kranth1
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Posted on Wednesday, September 14, 2016 - 11:02 am:       


Mamamiya786:

btw , credit cards close cheyakudadu ani endure antaru




Same thing as I have said, oka oldest account close cheste, ur credit age decreases and ur score decreases

2 years back 1 credit card opened - Credit age 2 years as of date
just now opened another credit card - credit age 1 year (2+0)/2 = 1

So score decreases
Eppudu raajakeeya nayakulni vimarsinche pourudu raajakeeya nayakudu ayithe inka ekkuva dochukuntadu - RGV
 

Stellar
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Posted on Wednesday, September 14, 2016 - 11:01 am:       


Mamamiya786:

credit cards close cheyakudadu ani endure antaru.




Close cheyakudadu ani emi ledu. long back open chesina card vunchukunte manchidi.
 

Kranth1
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Posted on Wednesday, September 14, 2016 - 11:00 am:       


Mamamiya786:


enti loan pay off cheste , 20 points padinda ... why ?




Credit score is directly proportional to number of accounts and credit age.
If you have a mix of accounts such as credit card, retail store card, auto loan and Home loan, it means u r a good lender. If you pay them regularly then ur score increases

If you close one of the accounts the score decreases as the number of accounts decreases, but in sometime you will get back to original score
Eppudu raajakeeya nayakulni vimarsinche pourudu raajakeeya nayakudu ayithe inka ekkuva dochukuntadu - RGV
 

Stellar
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Posted on Wednesday, September 14, 2016 - 11:00 am:       


Mamamiya786:

enti loan pay off cheste , 20 points padinda ... why ?




FICO score kinda ee wording vundi.

Since you already have a high FICO® Credit Score, the key factors below are informative but not as significant since they represent very marginal areas where you could improve your financial health.
1. LACK OF RECENT INSTALLMENT LOAN INFORMATION

There is either no recent activity or insufficient information about your installment loans. Having a loan along with other types of credit demonstrates that you are able to manage a variety of credit types.
 

Mamamiya786
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Posted on Wednesday, September 14, 2016 - 10:59 am:       

800 plus , bhayankar offers vastayani vinna...nijamena ?

btw , credit cards close cheyakudadu ani endure antaru.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Mamamiya786
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Posted on Wednesday, September 14, 2016 - 10:57 am:       


Stellar:

20 padinaka kuda 800+ vundi, just chebutunna credit score ela calculate chestarane daani meeda.




enti loan pay off cheste , 20 points padinda ... why ?
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Mamamiya786
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Posted on Wednesday, September 14, 2016 - 10:56 am:       


Stellar:

car or home loan vunda? vunna kuda aa number aa?




ante number ekkuva , takkuva ...

car loan sanan vundi ...2 months back konna...ippatlo taggdu. home loan as usual ga vuntundi nada...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Bunty717
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Posted on Wednesday, September 14, 2016 - 10:55 am:       

contact M fans --NU
 

Stellar
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Posted on Wednesday, September 14, 2016 - 10:55 am:       


Mahesh_fan:

take secured loan (500 or less) from credit union and pay it off.. they will charge 3% or less..




20 padinaka kuda 800+ vundi, just chebutunna credit score ela calculate chestarane daani meeda.
 

Mamamiya786
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Username: Mamamiya786

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Posted on Wednesday, September 14, 2016 - 10:54 am:       


Kingjames:

CC usage less than 10% vunchu...780-800 daka vastadi 3-4 months lo..




cool..i am looking for this ...

ante 10 percent of whole credit ye kada.

right now 15 vundi. I use credit cards to pay all the bills etc . Dani value credit card usage ekkuva.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Mamamiya786
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Username: Mamamiya786

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Posted on Wednesday, September 14, 2016 - 10:53 am:       


Twitter:

idhi ela chesavo cheppi punyam tie chesuko babu




credit cards meeda balance transfers 25k vend ...daani pay off chesax 7k ki tech...
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Mahesh_fan
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Username: Mahesh_fan

Post Number: 22220
Registered: 09-2010
Posted From: 107.77.70.80

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Posted on Wednesday, September 14, 2016 - 10:40 am:       


Stellar:

naa car loan payment ayipoindani 20 points padindi recent ga. no other change.



take secured loan (500 or less) from credit union and pay it off.. they will charge 3% or less..
 

Stellar
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Username: Stellar

Post Number: 5427
Registered: 02-2016
Posted From: 192.200.5.41

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Posted on Wednesday, September 14, 2016 - 10:38 am:       

naa car loan payment ayipoindani 20 points padindi recent ga. no other change.
 

Stellar
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Username: Stellar

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Posted on Wednesday, September 14, 2016 - 10:37 am:       


Mamamiya786:

Athi kastam meeda 640 nunchi 715 ki techhanu ..ikkada nunchi increase avvalante emi cheyali..




car or home loan vunda? vunna kuda aa number aa?
 

Mahesh_fan
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Username: Mahesh_fan

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Posted on Wednesday, September 14, 2016 - 10:35 am:       

credit limit increase is one option.. every 6 months.. its not a months effort to pull it to 780 or above..
 

Mahesh_fan
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Posted on Wednesday, September 14, 2016 - 10:34 am:       


Sony:

take a personal loan from credit unions for 5K to 10K and pay it off after 1 year...



8% minimum pay cheyali kadha.. secured loan tesukovali inka
 

Starc
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Username: Starc

Post Number: 4065
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Posted on Wednesday, September 14, 2016 - 10:33 am:       

user ur credit card and pay back.. at any point in time you should not have more than 30% payment due than your limit.

try to keep the amt pending under 10% always.

Also try to increase your credit card limits.. hight the limit higher the credit score.. request every now and than.

Get car loan and pay back.. you get too good score..
Pandulu drainaige guntalo undi matladukuntai anta.. Chi Chi Manushulu ala ela untaru.. chi chi..
 

Kingjames
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Posted on Wednesday, September 14, 2016 - 10:32 am:       

CC usage less than 10% vunchu...780-800 daka vastadi 3-4 months lo..
 

Sony
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Username: Sony

Post Number: 31133
Registered: 12-2006
Posted From: 170.48.19.251

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Posted on Wednesday, September 14, 2016 - 10:30 am:       

take a personal loan from credit unions for 5K to 10K and pay it off after 1 year...
 

Twitter
Legend
Username: Twitter

Post Number: 47160
Registered: 10-2009
Posted From: 66.194.212.162

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Posted on Wednesday, September 14, 2016 - 10:29 am:       


Mamamiya786:

640 nunchi 715 ki techhanu




idhi ela chesavo cheppi punyam tie chesuko babu
 

Dreamcatcher
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Username: Dreamcatcher

Post Number: 8887
Registered: 11-2009
Posted From: 100.36.36.167

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Posted on Wednesday, September 14, 2016 - 10:28 am:       


Mamamiya786:

ikkada nunchi increase avvalante emi cheyali..




pay bills on time and give it some time..


Mamamiya786:

ei debt to income ration enti saaami champestunnadi.




you have higher debt when compared to your income...so, as you reduce your debt, your score will keep going up. If you cannot reduce your debt, try increasing your income, that will help too.
 

Mamamiya786
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Username: Mamamiya786

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Posted on Wednesday, September 14, 2016 - 10:24 am:       

Experts , konchem salahalu ivvandi.

Athi kastam meeda 640 nunchi 715 ki techhanu ..ikkada nunchi increase avvalante emi cheyali..

credit card regular ga pay cheste increase avutunda...ei debt to income ration enti saaami champestunnadi.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|

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