- Centurion Member
- Posts: 195
- Joined: Mon Oct 29, 2012 2:50 pm
- Location: Boston
DoingHomework wrote:Paying double on your auto loan will not help you much with your score. The best thing you can do is stay patient, do not apply for any new credit and make sure you pay everything on time. You've got to let the inquiries fall off, which takes 2 years and you've got to get the late payment long in the past. Don't do anything that involves applying for new credit for at least two years. Don't change your cell phone plan, move into an apartment, change utilities, nothing!
That's a little overkill.
I, personally, would just stick to not apping for new credit. Not moving, changing cell phones or utilities is extreme. I don't ever recall Verizon or any of my utility companies doing a hard pull for services.
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