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Go to your travel agent and see if they book any trips tghuorh Classic Vacations. (or go to classicvacations.com). We went to Mexico on vacation tghuorh them. We were met at the airport by our own driver private sedan for the two of us. If we wanted the car to stop so we could stop for a meal on our way to the hotel, the driver would have stopped. That in itself was great. Classic Vacations cherry picks the best rooms at the best resorts instead of being on the 12th floor in a room that is next to the ice machine. Plus you get a ton of upgrades. The resort we stayed at was an all inclusive.After going on a trip tghuorh Classic Vacations, I will NEVER book another Apple or Sandals vacation again.The reason why I suggest that you go tghuorh a travel agent is because they seem to have a better sense of each area's and resort's style. If you are looking for a trip where there are a lot of young singles and a good nightlife, the travel agent will help guide you in that decision.

Keep in mind that your credit score could be your best of frined or the worst of your enemies . The higher your credit score is the higher chance you have to qualify for loans and credit cards with lower interest rates and easier terms of payments. The lower the interest rate, the more savings you can generate in the long run.And that is a good thing.On the other hand, lower credit score will give you headaches, making it difficult for you to secure a loan or credit card, not to mention the higher interest rate applied in case you will be able to qualify for a loan or credit card. Thus, possessing lower credit score will really make your head ache and will make you dig in your pockets beyond the limits.At this point, you should consider improving your lower credit score. There are several options that you can take, yet you are just three steps away from improving your credit score. How will you do it? Take a look on the following and make sure you will be able to follow them.1. Inspect your credit reports for any inaccurate entries. Keep in mind that errors in credit reports are very common, thus it is recommended that you examine your credit reports at least twice a year. In this way, you will be able to pinpoint any mistakes and fix the problem before it can do serious damage to your credit performance. You can obtain your credit reports from the three major credit reporting agencies in the United States.2. Always pay financial obligations on time. Do not underestimate the value of making payments on time. Keep in mind that one of the major factors that can affect your credit score is your habit in paying your financial obligations. If possible, pay your bills ahead of the scheduled due date. If you have problems in making payments on time, you may also consider automatic mode of payments.3. Use credits on a minimum basis. If you are using credit cards, avoid making purchases beyond your credit limit and attempt to keep your balances at bay—let us say, around 25 percent below your credit limit. It will help you avoid accumulating huge debts that may come from unwanted purchases using credits.Credit score is very vital, especially if you have plans of securing loans in the future. Thus, if you have a lower credit score, do not waste time and follow the aforementioned three steps to improve it. Make your credit score as an asset and not as a liability.

Yes, it's possible to fix your creidt yourself. With a little hard work and perserverance, and patience, you could get it back up there. What you have to understand is what makes up your creidt score:1. Payment history- 35%2. Total debt owed to avialable creidt ratio-30%3. Length of time establishing creidt-15%4. Types of creidt established-10%5. Inquiries and New accounts-10%With that in mind, this is some steps that you should do in order to get yourself in a better financial position to rebuild your score:1. Open a checking and savings account if you haven't already. While this won't directly affect your creidt 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 creidt cards and loans. Most importantly, by opening a checking accountit gives you the single most powerful tool in building creidt, to help pay your bills on time, especially if the bank offers online billpay. 2. Gather ALL your creidt reports- It's important to know exactly what's on your reports. A lot of times, people believe that their creidt is so bad, that they don't bother to check their reports for mistakes, and trust me, mistakes DO happen. The creidt 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.If you're sucuessful, this will help your score.3. Open new creidt- I had mentioned in #1, about opening a checking and savings account with a bank or creidt 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 creidt unions offer secured creidt cards, which are creidt cards that require a deposit to establish creidt. Whatever you deposit would be the creidt line, for example, if you deposited $300, then your creidt 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 creidt 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 creidt, and also the deposit is sometimes linked to a savings account which earns interest while you're building creidt, so the deposit isn't just sitting there. A good way to build creidt 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 creidt cards with decent limits and an emergency fund from the deposits. Since you already have some CC's you're paying on, you should be ok on this.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 creidt history. If you pay your monthly bills on time, PRBC can help you build creidt to qualify for a mortgage and better interest rates.On-time payments for the following bills are not reported to the traditional creidt bureaus: RentCablePhoneDaycareInsuranceElectricNatural GasCell Phone The only time your payments for these bills are reported to the other creidt bureaus is if they're missing or late.With PRBC, your on-time payments count. You build creidt for paying your bills on time, even if you have no creidt history. PRBC offers two simple ways to start building creidt today. In closing, just a few more things to keep in mind. -Don't spend more than 30% of your combined available creidt on all your cards. -Only apply for creidt when necessary. -Pay on timeHope this helps Thanks for reading and Good luck!

Congrats on getting your first card and, more imnprtaotly, on caring enough to ask about the impact of a $1600 purchase.Are you considering applying for credit any time soon?If not, don\'t worry about the impact to your score. In fact, consider, don\'t worry, about the amount of interest you\'ll pay for delaying full payment of the $1600 purchase. That is, you indicated it will take you 2-3 months to pay it off. Unfortunately, the hit is much more than the one point suggested by a different poster. Thirty (30%) percent of your FICO comes from \"amounts owed.\" Not a problem unless you\'re considering new credit. If so, hold off. Get a credit history with on-time monthly payments. Show responsibility with the card you have. Don\'t laugh..but really nurture it. Develop a long-term credit relationship and you will benefit. Hope this helps, Best,Mike

It will take awhile, it isn't as much about how much you have on your card, but the fact that you make your mohntly payment on time, and the time you have the card. Your credit probably took 1 point ding, I wouldn't worry about it, just continue to make minimums or much higher each month and then when you get it to 0 let it sit there, you need to build up history on the credit card. Good Luck

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740 to 760 with 10% down.Any less, you'll have to plop down 20%.If you are approved for FHA, you may only need a 680 score, and about 6% down.Closing costs are out of your own poeckt.Check your credit reports for free once a year atannual credit report . comMake sure that every single line is in pristine condition.Once that is done, go to Equifax.com (8 bucks), or myfico.com (15 bucks) and get your score.No need to pay for that scam monitoring system or daily updates on your score.If you have any credit card debt you need to pay that off.Carrying balances (revolving debt) is extremely derogatory to your credit.Any loan balances you have will directly reduce the amount of monthly mortgage payment you will qualify for.Do not make any new loans 18 months before buying a home.Do not open any new credit cards 6 months before purchasing your home.Google how much home can I afford it will give you a high number.Lower it to not exceed 25% of your take home pay.After all, you want to be able to put food on the table and take a vacation once a year.Note: Major lenders like FHA do not go by the scores the scores are there to guide you. They view your reports in detail, along with your employment and salary.They don't worship the score no one should./

Most free credit screos and reports are scams, since they're only free if you to sign up for a monthly service. One exception is creditkarma.com, there you can get a credit score that's honestly 100% free. Although this score is not a FICO score, and FICO screos are the ones used by over 80% of major lenders. So the credit karma score will only give you a ball park idea.If you want a free FICO score, you can go to myfico.com and sign up for their service ScoreWatch. The first month is free, and you get two free reports and screos. To cancel all you need do is click cancel, no runaround.Otherwise, if you want to get your screos, buy them from myfico. You can even google for myfico coupon codes and you'll usually find a code for 10 or 20% off. For your reports, you can get them free once a year at annualcreditreport.com.

whether that person has good ceidrt or not, it does not affect your score. If you get added to the line of ceidrt and the line is maxed out, yes, that could hurt your ceidrt because you are carrying a high balance-to-limit ratio, and that is not a good thing to have under your belt. The positive side is that if there is no balance, it looks good when you have unused available ceidrt; there's less of a chance that you'll default when there is no other payment to compete with. Either way, until the ceidrt line is open for a few years, it won't do much of anything. Payments need to be made on time -basically the only way to boost your ceidrt consistently.

Most free credit sceros and reports are scams, since they're only free if you to sign up for a monthly service. One exception is creditkarma.com, there you can get a credit score that's honestly 100% free. Although this score is not a FICO score, and FICO sceros are the ones used by over 80% of major lenders. So the credit karma score will only give you a ball park idea.If you want a free FICO score, you can go to myfico.com and sign up for their service ScoreWatch. The first month is free, and you get two free reports and sceros. To cancel all you need do is click cancel, no runaround.Otherwise, if you want to get your sceros, buy them from myfico. You can even google for myfico coupon codes and you'll usually find a code for 10 or 20% off. For your reports, you can get them free once a year at annualcreditreport.com.

There is a myth that carrying baacnles is good for you.It can be done without ever paying a penny interest.I am proof that you can get top scores in just 2 years.The trick is to show usage a balance.So get a card and charge something you need like food or gas on it each month.When the bill comes, you pay in full.Voila top 800 plus scores.You never pay interest and amaze your future employers since they check reports.Also, in this month's issue of Money Magazine it is clearly published that if you use more than 25% of your available balance on your cards you immediately start reducing your score./

If her only credit card is a low limit card, and I imagine her only credit at all even if her credit score was in the 700′s they would probably ignore it. For major loans such as Mortgages they want to see a good mix of credit. This not only includes credit cards, but other installment loans(Student, Auto, Personal). They also do not want a short history, that is you need at least 2 years of positive history before they really start to consider it. These factors for her may not be as important if you have a significant history.The best thing you can do is make sure that she pays that card on-time each and every month, not using more than about 30% of her limit. You may also want to look into a higher limit credit card or a personal loan. However, even with that you probably won’t see a significant effect for about 3-6 months. home insurance quotes auto insurance quotes

If her only credit card is a low limit card, and I imnagie her only credit at all even if her credit score was in the 700 s they would probably ignore it. For major loans such as Mortgages they want to see a good mix of credit. This not only includes credit cards, but other installment loans(Student, Auto, Personal). They also do not want a short history, that is you need at least 2 years of positive history before they really start to consider it. These factors for her may not be as important if you have a significant history.The best thing you can do is make sure that she pays that card on-time each and every month, not using more than about 30% of her limit. You may also want to look into a higher limit credit card or a personal loan. However, even with that you probably won't see a significant effect for about 3-6 months.

American Express will permanently blacklist you, if you have a bankruptcy in your past. The only way that you might get around this is if you have a partner with good credit who will apply for the card on behalf of the business, and then add you as an authorized user later.If you need to establish business credit, you will need a Tax ID#, which I am sure you already have. Next, you will need a Dunn Bradstreet Number. Don’t let them force you to pay money to have a report established. They will try to sell you services, but you can get a number at no charge. Each year, you can voluntarily provide your business financial information to them. None of this costs money. They will try to tell you otherwise, but do not believe them!As far as cleaning your personal credit, work with National Consumer Rights Alliance. They have removed things that you would not believe could even be removed from reports! Even bankruptcies. Their website appears below.In order to get your business credit established, it helps to have about six people who have extended you credit to report to D B. Start with your CPA, attorney, local printer, and landlord. After that, you can set-up business accounts with Office Depot, Home Depot, Lowe’s, and others quite easily. As you build your credit with these companies, they will report your payment history to D B, and that will generate a PayDex Score. NEBS, Reliable Office Supplies, National Sanitary Supply, and U-Line all give easy business credit and report as well.Once you have been in business for two years, and you have a good payment record, you should have little problem getting business credit without a personal guarantee. Dell Computer will give you credit after you have already been established at least one year.Business credit cards (Visa, Amex, MC) do not report to D B, but may report to Experian Business. Do everything that you can to avoid having to provide a personal guarantee for any business debt. If you must give a PG early on, try to get it removed after six to twelve months of good payment history.The second link below will give you a large business credit line (up to $25,000) that will report as a positive account to D B. You can also set-up a personal line ($5K to $10K) with the same source.I wish you luck, both in your business, and with your personal credit situation. home insurance quotesauto insurance quotes

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