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stewie · 09-09-2013, 07:52 PM

did a quick search and didn't find much about this topic.

my question:

I don't have bad credit, ive never missed a bill or anything, however, about 2 years ago I was screwing up with my visa payments, id look at the page online, and without knowing it, for about 8 months I was only paying off the minimum req payment.... :s once I figured out I was doing it wrong, I paid it off on the spot and had it set up to auto deduct on its due date.

but im curious as to how to build better credit faster?

ive heard that getting a 2nd credit card and only using them for the bare minimum, just to keep payments easy and on time can help.

ive also heard that when my visa bill is due, ex the 25th of each month, I currently have it auto deducted from one of my bank accounts, BUT, I was talking with a friend an hour ago, and he suggested having the payment be paid 3-4 days earlier, saying that it would look better?

so, does anyone know how to build good credit fast? I keep my visa at a 2k max (I only use maybe 200$ a month on it at most), I have a 10k line of credit which I opened then paid back within 6 months, a truck that's half paid off...maybe 15k left of in, again, never missed a payment, and a typical chequings/savings account and a high interest savings account, both have quite a bit of money in them.

any secrets to build credit faster? once my trucks paid off im hoping to start looking into buying a house in maple ridge.

09-09-2013, 07:52 PM	#1
stewie Rs has made me the man i am today! Join Date: Oct 2005 Location: Langley Posts: 3,494 Thanked 2,185 Times in 607 Posts Failed 404 Times in 90 Posts Member's Picture Albums	building credit did a quick search and didn't find much about this topic. my question: I don't have bad credit, ive never missed a bill or anything, however, about 2 years ago I was screwing up with my visa payments, id look at the page online, and without knowing it, for about 8 months I was only paying off the minimum req payment.... :s once I figured out I was doing it wrong, I paid it off on the spot and had it set up to auto deduct on its due date. but im curious as to how to build better credit faster? ive heard that getting a 2nd credit card and only using them for the bare minimum, just to keep payments easy and on time can help. ive also heard that when my visa bill is due, ex the 25th of each month, I currently have it auto deducted from one of my bank accounts, BUT, I was talking with a friend an hour ago, and he suggested having the payment be paid 3-4 days earlier, saying that it would look better? so, does anyone know how to build good credit fast? I keep my visa at a 2k max (I only use maybe 200$ a month on it at most), I have a 10k line of credit which I opened then paid back within 6 months, a truck that's half paid off...maybe 15k left of in, again, never missed a payment, and a typical chequings/savings account and a high interest savings account, both have quite a bit of money in them. any secrets to build credit faster? once my trucks paid off im hoping to start looking into buying a house in maple ridge.