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Are there any grayhat (but not illegal) ways to improve credit score?

Discussion in 'BlackHat Lounge' started by codexehow, Aug 19, 2015.

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  1. codexehow

    codexehow Power Member

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    I'll make this brief. I have depression--it comes and goes--and it was during one of these bouts of depression that I let a $500 Capital One credit card go to collections. Stupid, I know. But if you have ever struggled with D or know someone who has, you might understand :p. I've since paid the card off, but the damage is done.

    Anyway, that's ALL that is on my credit record. I would really like to get my credit score up. It's around 530 right now.

    I know that I should get a secured card or two. Is there anything else I should be doing?

    Thanks!
     
  2. conrulez

    conrulez Power Member

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    Well you only have on choice...You MUST get some kind of credit again, use it, and pay on time. Call capital one again since you paid it off. All they can say is no. Other than that, try dept stores or other retailers and see if they'll give you credit. Even furniture stores. Anyone....Also try at your bank for either secured or unsecured. I've seen both avail at my bank. You have to start somewhere. Do whatever it takes, but you gotta get credit and use it for the score to go up. And make sure it's reported to credit bureaus. Ask anywhere and everywhere. If you have a steady job, somebody will give you credit.

    Depression is tough on people. I wish you all the best.
     
  3. Asif WILSON Khan

    Asif WILSON Khan Executive VIP Jr. VIP

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  4. Zwielicht

    Zwielicht Moderator Staff Member Moderator Jr. VIP

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