两个月credit score 降了近60 - 未名空间MITBBS历史存档

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两个月credit score 降了近60

两个月credit score 降了近60# Living

T*r2013-07-03 07:07

1 楼

在credit karma两个月之前是743，现在688。查了一下资料，发现犯了两个错：
1. 误以为credit card用的越多越好, 经常刷卡快到limit.
2. 由于打算贷款，有段时间过于频繁的查credit score.
有没有什么办法可以补救，或者短期内提高？多谢了！

x*a2013-07-03 07:07

2 楼

http://money.msn.com/credit-rating/7-nasty-credit-myths-that-wi
Myth No. 2: "Checking your credit hurts your credit scores."
Fact: Checking your own credit reports and scores does not affect your
scores. Period.
A credit check could hurt you if you asked a friend at a bank or car
dealership to pull your credit reports. Such transactions probably would be
coded as "hard" inquiries, or as applications for credit, which could ding
your scores.
But checking your own credit is otherwise a non-event.

T*r2013-07-03 07:07

3 楼

多谢了！也可能是我最近频繁要求银行给我increase limit, 银行查我credit导致的..
.

j*i2013-07-03 07:07

4 楼

你的credit line多少啊？怎么都能块用满了？你拿信用卡买车？

..

【在 T**********r 的大作中提到】

: 多谢了！也可能是我最近频繁要求银行给我increase limit, 银行查我credit导致的..
: .

x*a2013-07-03 07:07

5 楼

Heard that 15 year loan cares less about credit score.
I heard that 700, 720, 740 are the lines a loaner draw.
You may want to push it up to 700 at least.

..

【在 T**********r 的大作中提到】

: 多谢了！也可能是我最近频繁要求银行给我increase limit, 银行查我credit导致的..
: .

T*r2013-07-03 07:07

6 楼

只有2500啊，这段时间买了几张机票

【在 j****i 的大作中提到】

: 你的credit line多少啊？怎么都能块用满了？你拿信用卡买车？
:
: ..

T*r2013-07-03 07:07

7 楼

Is there a fast way to go up? Thanks!

【在 x*******a 的大作中提到】

: Heard that 15 year loan cares less about credit score.
: I heard that 700, 720, 740 are the lines a loaner draw.
: You may want to push it up to 700 at least.
:
: ..