R9 Stand
Tuesday, October 13th, 2009
I have a credit score of 650 how can i get a better score if I cant get approved for any credit, denied twice!
I have no out standing bills
3 – R1′s
1 – R9
Credit card – good (2)
R9 – account closed and paid
I am a server, my T4 reads under poverty level, most of my income are tips (unclaimed). My bank even turned me down with never having a problem within 5 years of my banking. I feel stuck in a jam!!
A high risk loan or line of credit is out of the question at a 30% interest rate its a little unnecessary
Anything short-term?
Im sure in a year I could change things without a dout. But I am in need of transportation and due to gas prices and low insurance for motorcycles. A car is not possible. 
Am I truly stuck?
Credit can be a tough uphill battle. Here are some links to help you better your credit scores. You can do a lot on your own without filing bankruptcy.
http://www.ftc.gov/bcp/conline/pubs/alerts/timebaralrt.pdf
Information on time barred debts.
http://www.ftc.gov/bcp/menus/consumer/credit/reports.shtm
Download a pdf file regarding how to dispute with CRA’s
http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
Govt approved credit counseling agencies.
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm#improve
Building a better credit report.
http://www.ftc.gov/gettingcredit/
What you need to know about your credit.
http://www.ftc.gov/bcp/conline/pubs/credit/crdright.shtm
Credit and your consumer rights.
http://pueblo.gsa.gov/cic_text/money/creditscores/your.htm
All about FICO scoring.
The law requires that those turned down for credti must be notified in writing why the request was denied. This should help you figure out what the problem is.
If you havn’t got a copy of your credit report, go to this web site to get one, there you will find what the problems are and how to increase your score.
https://www.annualcreditreport.com/cra/index.jsp
I invite you to join the following Yahoo group “DontGetRippedOff” dedicated to helping those in financial trouble, Here you will find information to help you with debt collection agencies.
http://finance.groups.yahoo.com/group/dontgetrippedoff/
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