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If you have never bought anything on credit, you do not have a credit score.
I dont know what exactly 667 is but a credit score is rated on how good your credit/debit card use is, EG: your credit score is Good
You dont.
Everything you do related to credit cards will affect your credit. My advice would be to leave the credit card account open and here's why; While just cancelling your credit card (with no balance) shouldn't hurt your credit, here are a couple things to think about; 1) your credit history makes up 15% of your credit score. No history means no points. 2) your payment history is makes up 35% of your credit score. I know you said you don't have a balance, but an occasional purchase and on-time payment will help your credit. The only thing that could hurt you if have too much available credit. If the card has a $50,000 limit, this could work against your. But I doubt it, seeing this is your first card.
year
Their are several credit improvement programs available online for free. You dont have to report credit counseling services so it shouln't affect your credit score.
save money dont do overdraft
For raising your credit score over and above the minimum levels, you need to learn some essential tips:Gain some basic knowledge about the credit scores.Pay bills on time.Be an active user.Avoid over scratching.Keep low balance:Discipline with payments and regular transactions are indeed a key to better credit score.
I dont think there is.. because in order for you to get a high credit score you have to pay on time or in full payment then to increase your credit limit you have to purchase more but you have to pay it in full. so better purchase on things that you are able to pay it in full. that will make your credit score increase. first premier will and if you pay each month on time in 6 months time youll see your score increase rapidly so it does help.
Here are some tips to fast fix your credit scores, if you dont have a credit card, get one. Get an installment loan, lower your credit cards and use your cards lightly
maybe ps dont go on internet well drunk
Hang in there. Dont give up. You are probably a one in 100000 case. You are doing it the right but hard way.Avoid the B/K if theres any way possible. You've made 3 yrs, dont waste all that hard work.It will get better. Someone (lender) will see that you are paying on the balance and RESPECT that enough to cut you some slack. Your credit rating (or score) depends on All the information contained in your credit report. A repossession, which shows as a charge off or collection account, is considered a significant derogatory listing and would have a big impact on your credit score. Any derogatory item that has been updated, for any reason (including recent payment) would have impact your score the most. 35% of the your credit score is based on your payment history. In general, derogatory information remains on your credit report for 7 years from the date of last activity.