How do I improve my credit score quickly?
114100
Unfortunately there is not way to repair your credit score quickly, that's why it's imperitive that you keep up with good credit practices...\n\nI would get a department store credit card and buy something every month, and then pay it off right away....that same day even....doesn't have to be anything big....you just need to establish good payment history. \n\nIt will take at least a year of this and no other blemishes on your record to effect your credit score.
412198
Since you saying you want to improve it, would that mean you already know what your credit score is and that you need to address it. \n1) If you have charge offs, you need to get them satisfied. Once you have, request a letter of satisfaction from the creditors. These letters will be worth more than gold to you in the next 7 years. So keep them in a safe location so you can present them if requested or if you have to dispute those charge offs. This also go for judgments and any collections.\n2) You need to re-establish your credit history. If you have applied and been denied credit, then your only alternative would be a secured credit card. You will have to supply a deposit for collateral, however you should be able to obtain one. Again, don't have a balance more than 50% of the credit limit, and always pay the minimum each month. You should have 4 trade lines (credit cards). I would not suggest that you get a department store credit card since most of them do not report to all three credit bureaus. Also it limits your ability to use them since you can only use them at the store that they belong to. \n3) Do not have your credit report pulled after you have set up your credit cards. If you are interested in knowiing your credit scores, you can always to Equafax, Extperian, and Transunion's website have pay for a FICO report that will not effect your score. If you get your credit pulled from lender, they might not tell you where you stand on the score and it effects your score at the same time.\n\nHope this helps.
913256
First... request a copy of your credit report from each of the three major credit bureaus.  Make sure everything on there is accurate and dispute anything that isnt.  \n\nAfter that, you need to close any credit card accounts that you haven't used in awhile.  Having too many open accounts, even if they have a zero balance, still looks bad.  \n\nOnce that's all done... the best way to increase your credit is to make payments on time, keep balances low, and payoff anything you can.  If you don't have any debt, you can increase your credit rating by getting some type of loan (car, credit card, personal loan) and making the payments on time.  Paying such things off early helps a lot too.  Don't let yourself miss even one payment, as that will negatively affect your rating.  \n\nOther than that... if there's bad stuff on there, it's going to be there for the next seven years.  Until it's all gone, your score still won't be great.  \n\nI will tell you that it's worth it though... I had bad credit (thanks to divorcing my lousy ex) for most of my adult life... and finally in the last few years, it's become really good (since I'm no longer paying for HIS mistakes).  Sure makes life a lot easier!
181709
improving your credit takes time, the more payments you make ontime or early, the better your credit gets.If your looking to score some good poits, take out a loan, doesnt have to be too much, then make payments on it.
689893
It takes 7 for chapter 11, 10 for chapter 13, and you can get your credit up by going into your bank and open a secure credit savings acct a loan from yourself use any amount then you borrow from yourself then pay your self back this will boost your scores, then you can open a small acct anywhere and pay it on time lenders look at the trade line and how well you took care of the account if you have bk on you credit
1091396
You can greatly improve your credit, yes. There is already a good answer on here for this, and remember: STAY DISCIPLINED!!!\n\nYou can do it!
653948
Well first of all you need to raise your credit. If you want to raise it the fast way, ask someone you know who has really good credit to place your name on their own credit card authority list. This does not mean you get a credit from your friend, it just means you are using his or her credit to push your own credit up. Your friend would just throw away the card that comes in your name and you get to raise your credit.\n\nAlso there are a lot of consolidating companies out there to help you. Why dont you try your local bank company or google it and do some research on the internet.\n\nHave you tried an equity line of credit? This is basically taking a loan out but using your house as collateral. Its a big chunk of loan you get from your mortgage company or from a bank and you can just pay off your credit cards using that loan and just focus on paying off ONE loan instead. At the same time, Equities are tax deductible which means you will get money back from the government from the interest you paid during your tax refund.
42941
you could try closing all your credit cards now (unless youre getting good rates and deals) and opening 1 single new credit card, and buying stuf on it and paying it all off COMPLETELY. and it will raise your credit rating. pretty risky though.
828425
To get a good credit score you need to have credit. One good way to get a higher rating is to have a revolving credit card, or if you buy something on installment, make your payment every month and never be late. A few months before the installment note is due, pay it all off. Don't get credit cards where you must pay an annual fee in order to have the priviledge of charging with them. If you have a really bad credit card, close it, but don't open and close too many cards. If you have credit cards, put them away and don't use them. If you open and close credit cards it can adversely affect your credit rating. Do not take out credit cards with department stores, even if they offer discounts on your purchases. In fact, they will lower your credit rating. If you have them, close them, If you want to charge in a store it's better to use a regular credit card such as Mastercard or Visa. Be careful when you apply for loans because every time you apply for a loan the lender checks your credit rating. If you have too many inquiries, that can lower your credit score. If you are about to purchase a vehicle or even a home, shop around for the best interest. If you check with numerous lenders that check your credit rating, it won't lower your score because it will show that you are shopping for a particular purchase and it is good to look for the best interest rate. Once you have credit cards, it's best to keep them open, believe it or not, because if you go for a loan the lender will see that other lenders consider you a good risk. (Maybe it's because they know that if you decide to max out your credit cards and leave the country, there will be a lot of other lenders hunting you down besides them!) If you are just starting out and don't have much of a credit history, go to the bank you bank at and ask for a credit card. They will likely give you one with a low credit limit, such as $200.00. Charge on that card and pay the monthly payment on time. Before long you will have a history of whether you are a good credit risk. If you go to annualcreditreport.org you can get a free credit report once a year. They have information on their web site that will tell you  how to improve your credit rating. Put the credit cards that you already have away in a safe place. Just don't open and close them and open new ones. Use credit cards, but always pay them on time, or at the end of the month to avoid paying interest. Good luck.
589825
home loan: www.naca.com  \n\nthey are a non-profit housing advocacy group and they will work with you to improve your credit.
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.
12665
If someone asks you for money to increase your score, it is true that they are likely to be a thief, however, it is NOT TRUE that you cannot raise your score. Your credit score is primarily affected by a few things. First, any time that you make a late payment, even one that is only 30 days late, that will effect your score as much as 50 points the first month. It will climb slowly each month thereafter if you pay on time. So, don't ever pay late. Secondly, a large part of your score is determined by the ratio of credit used to credit available. If you have a $1,000 limit on your card, DO NOT leave a balance on that card of over $500. The lower your credit debt to credit limits, the better your score will be. Lastly, the longer you have credit, the better. Some people will cancel cards and accounts that are infrequently used. Don't do that! Leave them open. On the other hand, having too many credit accounts means you are a credit hog. Every time you apply for credit, your score will go down, for a few months.
1084346
For the most part, it doesn't matter what country you're in. The only thing that can improve your credit rating is time and better credit history. Make your payments on time. Make extra payments when possible. Call your creditors to see if they can help you by lowering your interest rates and refinancing loans for a lower cost. My husband and I had BAD credit, and this was the only thing that could help. If you file for a bankruptcy, that will be on your credit for several years and will look worse to possible creditors than the fact that you are trying to dig yourself out on your own. You made the mess, no you have to clean it up. I know it sucks, but it's true. Make sure you keep accurate records so that when you finally pay a bill off, you can contact the credit bureaus with that information and get the bad info off quickly. We did this and we were able to buy a home, a new car, and a motorcycle within a year and a half! Good luck!
226556
I suggest you to apply for more credit cards as soon as possible to increase your credit score to above 700\n\nYour credit score is BELOW AVERAGE.\n\nI also suggest you to sell you car.
818734
First of all you should have your credit report to know your score so as you won't make a wrong application. The fastest and the most convenient way to choose a credit card and qualify for it is by Internet. You just go to a site, look through credit card offers and fill out an application form and you can receive your card in about 7-10 business days. There are numerous sites of the kind, and you shouldn't fear to use them.\n\nYou can try these:
547357
Use the Credit Bureau sites. Read everything on these sites. They give good advice and guidance toward improving your credit record.   Each year you can now get a free report from each of them. You can also buy a report that includes you FICO score. This number will give you and potential lenders an idea of what to expect from you regarding repayment of debts.\n\nIt is more than just time. It matters what else is on your record, how stable your residence has been, even where and what kind of home you live in. It helps to learn which lenders are more lenient, and to start with them and work your way up carefully.
607012
start by becoming a responsible spender. pay your bills and keep paying them on time. it will take a while, but eventually your credit score will come up. if you are in debt over your head, try a consumer credit counseling service. they help you pay off your bills and a lot of times reduce your debt load by negotiating with the card companies on your behalf. might be a good idea to check into