大家帮我复习一下怎样快速提高信用分吧 - 未名空间MITBBS历史存档

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大家帮我复习一下怎样快速提高信用分吧

大家帮我复习一下怎样快速提高信用分吧# Living

N*s2011-12-01 08:12

1 楼

大家鄙视我吧最近贪点数搞了好几个信用卡。信用分不足740。
另外如果我用heloc钱付首期，银行怎样算monthly debt? minimum payment (interest
) or what?
用heloc的钱pay down/pay off current mortgage/ car loan 有木有帮助？
我每个月大量使用信用卡,是否该少用? 或者spread among several cards instead of
regularly using just 1 card?
thanks，

k*22011-12-01 08:12

2 楼

Do you request free annual credit report from all three (3) credit bureau
each year?
Link provided for you:
https://www.annualcreditreport.com/cra/index.jsp
It will tell you how to maintain and increase your credit score.
There is one concept called Utilization Ratio of your credit card.
"用heloc的钱pay down/pay off current mortgage/ car loan 有木有帮助？"; 要看
情形，帮助不会很大。

interest
of

【在 N**s 的大作中提到】

: 大家鄙视我吧最近贪点数搞了好几个信用卡。信用分不足740。
: 另外如果我用heloc钱付首期，银行怎样算monthly debt? minimum payment (interest
: ) or what?
: 用heloc的钱pay down/pay off current mortgage/ car loan 有木有帮助？
: 我每个月大量使用信用卡,是否该少用? 或者spread among several cards instead of
: regularly using just 1 card?
: thanks，