boosting your credit score?
113977
Get a store credit card and use it.  Don't build up a big credit balance, but pay off the balance on a monthly basis, on time.  Pay all your bills on time.  Don't carry a big balance on any credit card, and don't have too many credit cards.  Establish a history of paying your bills on time, even your phone bill and electric bill.
840276
here is my advice to you and it's true,keep your credit card open for a long time ,don't close it.this will be good for your credit history and make sure you only use 50% of your credit.example you have a credit limit of $1000 only use $500 and don't go over that.this will dramatically increase your credit score.
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
215461
It will take several months to a year to get your credit really improved. Be careful of using a company who says they can raise your credit score. Cause legally they cant. Only you can. And while paying them large sums of money, you can dod it yourself for free. Depends on the elbow grease your willing to give. Check it out. There really is no super fast way to do it. But the best and probably quickest way would be to go to Annualcreditreport.com and get your free 3 credit reports. Then go through them and dispute the negative items on your report that dont make valid. Even if unsure, do so anyways because it becomes the responsibility of the creditor to prove that the information is accurate. If the creditor doesnt respond within 30 days the negative item has to be removed by law. In which removing a negative credit report item raises your score. Also, finding your most recent and lowest balance debt and offering halve of what you totally owed for it. Most creditors are willing to do this if your account has been way behind for a long time. Because now they're just worried about getting any money from you at all. Same is 100% true for collection agencies whom took over your bad debt. Offer half and no more. Ask to include in writing and mailed to you that they will remove negative from your credit report in terms of full half-amount payment. That raises your score. Other would be as suggested to get a secured credit card and just use it for gas twice a month or something small. Dont use it for anything else! Thats how you get screwed up again. Make the payments on time...everytime. This will start to show up as a positive item in your credit report and by showing a low balance on you card (30% or less of high limit) will show you can be responsible with your credit and thus create a higher score and higher opinion of a future creditor...such as an auto financer. Heed this and Hope i was of some good help to you. Good luck. Shuuutnstr =o)
919975
pay your bills, get a credit card, yea i said it. buy something everything month with it (like a 40 dollar shirt or something, whatever it doesn't matter) PAY IT OFF every month. you build credit by having credit history. \nI have a loan for like 5k for my car, and other stuff and pay it every month, my credit score has gone up tremedously over the past year because of it.
336743
A good way to raise your credit score actually consists of a few aspects. Paying your payments on time is very important. Try to always pay more then the minimum and pay it early consistently, before the due date. Secondly, it is very important that you do not have too many tradelines and you never want to keep more then 30% balance on any of them. For example, don't go out and apply to 16 different credit cards. Try to not have more then 7-10 tradelines. Don't max out on any cards, its better to have 30% filled on 7 cards then 1 card maxed out and 6 empty. Another important aspect is your history. Lenders are always looking for long history so never close the cards you have had for a long time. Always remember, loans like mortgages, auto loans, and student loans are good tradelines to have on your credit, just make sure you pay them on time.
1170191
Pay a couple of your credit cards down to less than 50% of the balance.  You'd be surprised how much your score drops when you go over 50%.  \n\nChallenge some of the negative items on your credit report.\n\nPay off any small chargeoffs you have.
250326
Typically raising your score by 10 points will not affect your scores enough to change your interest rates unless you know you are 10 points or less below the next credit tier(an auto loan example)\n\nI paid off my Macy's card last month and it was less than 50% utilized(I had a balance less than 50% of my credit line) and it only raised my FICO score(Equifax) by 12 points. I actually thought it would raise my score more since this was the only credit card I had that had a balance. \n\nGo figure, that's why credit scoring doesn't always make sense.\n\nGood Luck
1061315
Making only the minimum payment means you are only paying interest. People often think that by doing this they have great credit, but this does nothing to your credit score. You should make larger payments if at all possible. To really boost up your credit score, you should completely pay off your credit cards every month but still use them every month. Make sense? Do not open up too many trade lines (credit cards, loans, etc) because you don't want to obtain too much debt. I hope I've helped to shed some light on the subject. Remember, you can also pay the three major credit bureaus to do a review of your credit to raise your score.
486707
First off you need to know what is in your credit reports both positive & negative. Go to www.annualcreditreport.com and get all three of your credit reports free. Review them for accuracy. Dispute any item you believe to be inaccurate.\n\nHaving negative items on your credit files affects your scores more than having positive items. Public record items such as bankruptcy, judgement and collections(even if paid) weigh heavily on your credit score.\n\nYour goal should be to have only positive items on your report if you want a FICO score of 700+\n\nYou should plan to have 3-6 revolving accounts and 1-2 installment accounts to increase your score.\n\nGood Luck
998414
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc). You can get your first set free on an annual basis at annualcreditreport.com.\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcr... for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards unless necessary.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
686768
This is an online simulator that lets you punch in variables to see how it will effect your FICO score.  I've found it very helpful & your score does quickly rise when you pay on time & more than the minimum balance on credit cards.\nhttp://www.providian.com/cmc/fico_simulator.htm
463367
First off go online and get your credit report and start disputing the stuff on the report if the companies you owe dont reply with in 30 day saying you owe it will be removed from your credit report. This will help raise your score. Ive done this with my report rose it by 100 points.
342976
The question is do you need an installment loan reporting on your credit file to increase your credit score?\n\nIf your credit score is already 750+ then if you can pay it off, do so. If you need the car loan to report for credit improvement then you should make at least 12 payments that report to maximize your use of the loan for credit purposes.\n\nGood Luck
644678
I know and used a Attorney, and all he ever did is helped people that have tarnished credit. He proved to me, he increased my credit score 100 points in 4 weeks. That is the first step, clean up your credit, then get a secured or unsecured loan.
1146659
Living with debt or bad credit can be very stressful, but help is closer than you realize. Improving your credit rating requires that you take positive action and change your attitude toward money. \n \n   \n  Steps:  \n1.   Request a copy of your credit report from a credit bureau. If there is an error, write to the bureau and ask it to fix the mistake. It might also help to contact the creditor who reported the error. Some creditors will contact the bureau on your behalf.  \n  \n2.   If the bad marks on your credit report result from outstanding debts, repay them as quickly as possible. Pay off those with the highest interest rates first.  \n  \n3.   If your debts are overwhelming, contact a nonprofit credit-counseling organization to work out a debt-consolidation plan. A counselor will help you consolidate your debts and will contact your debtors on your behalf to reduce or eliminate finance charges. This can reduce your monthly payments by up to 40 percent.  \n  \n4.   Steer clear of any services that offer you credit-repair or debt-consolidation loans. These companies will plunge you further into debt. Be suspicious of any company that advertises aggressively or sends unsolicited mail or e-mail.  \n  \n5.   Close your credit accounts and cut up the cards. Sell valuables or liquidate assets that will help you repay your debts. Buy the bare essentials (food and gas) and use the rest of your earnings to pay off your consolidated debts.  \n  \n6.   Work with your credit counselor to repay all of your debts. Meanwhile, live a life that will help you re-establish good credit. Pay rent and utilities or mortgages promptly, keep the same residence and job, maintain savings and checking accounts, set a budget and stick to it.  \n  \n7.   Once you have repaid your debts, apply for a new credit card to build a good credit history. It might be easier initially to get a department-store or gasoline credit card or one from an employee credit union.  \n  \n8.   Promptly pay off the balance of the credit card monthly to build good credit. Use the card responsibly.  \n  \n9.   If you don't qualify for a regular credit card, apply for a secured one. With a secured credit card, you fund an account up front and then "charge" expenses on it. This card will show up as a credit card on your credit report and, if used responsibly, can help you build a good credit history.  \n  \n  \n  Overall Tips:  \n Get a copy of your credit report once a year even if you think you have good credit. You may find errors that will damage your credit rating.  \n  \n Filing for bankruptcy is always an option, although your credit history will reflect it for 7 to 10 years, making it very difficult for you to get a car or home loan in the future.  \n  \n Creditors agree to reduce or eliminate interest rates under a debt-consolidation plan because it saves them the expense of collection efforts and increases their chances of recouping the balance.  \n  \n Every application you make for a credit card shows up on your credit report, and multiple applications can hurt your credit rating. To avoid this, use an online service that matches you with creditcard companies that will extend credit to you. Search online for "credit card finder" or "credit card search."  \n\nNo matter how bad your credit is, you can take steps that will make it better. \n  \n1.   Pay all of your bills on time. Late payments (payments that are 30 days late or more) have a negative effect on your credit rating.  \n  \n2.   Reduce the number of credit cards you carry. Write to your creditors to request that they close your accounts and report this status change to all three credit-reporting agencies.  \n  \n3.   Avoid bankruptcies, tax liens (a lien for not paying state or federal income taxes or property taxes) and collections. A bankruptcy stays on your credit report for up to 10 years. Collection accounts and paid tax liens stay on for seven years, and unpaid tax
771428
If you pay the debts off it will have positive effect but not substancial and definately not quickly. \n\nIf you really want to improve your credit: \n \n1st pay off your debts in full or settle them for less then you owe. \n\n2nd: Dispute the negative items. \n\n3. Add positive credit history:  \n\n\nThis website will help, take a few minutes to browse through it: \n\nhttp://www.expert-credit-advice.com/