What is a good way to raise your credit score?
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.
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.
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.
992979
As you make purchases, and make your monthly payments\nON TIME, you will automatically qualify for limit increases. If a year has passed, and your account has been kept in good standing, you can also request a limit increase. Keep in mind, if your goal is to stay out of debt, increasing your credit limits does not sound like a good idea. The fastest way to improve your credit score is with an installment loan, like an auto loan or mortgage. You get a lot more points for paying this type of loan on time than you do revolving, or credit card accounts. Any other questions in this area, feel free to contact me.
692118
The higher the limits gives you a better FICO score, the available credit can lower your score (i.e. maxed out cards). If you pay off your cards and keep the accounts open you will have a positive affect on your credit score.  Six months of on time payments can boost your score by 15 points, that's how I raised mine.  I have one revolving account(credit card) and one installment account(car payment) and I've raised my score in the last 3 months by 22 points.
303673
I bought a car 8 months ago.  I am paying OUTRAGEOUS interest.  I had to put a HUGE down payment on it. BUT my credit score has gone up 150 points in that short time because I am ahead in my payments and have never missed one.  So the moral is.  You have to open a credit line in which you will pay to much interest and then make the payments on time to prove credit worthiness and then you will get better credit.  I got a credit card two months ago and I have not missed a payment on that wither.
809479
THE BEST WAY TO ESTABLISH CREDIT IS TO OPEN A BANK ACCOUNT AND TO KEEP IT IN GOOD STANDING.  CREDIT CARDS KEEP YOU IN DEBT IF YOU DO NOT PAY THE BALANCE IN FULL EACH TIME YOU GET A STATEMENT.
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.
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!
69521
go through a credit counseler to reduce intrest allowing to be paid faster and increasing score
22406
There is no quick fix to imrpove your credit. Dont fall for any scam that says it will improve your credit score in a matter of weeks. The only way for credit to improve is to be responsible over a long period of time.\n\nIf you have records on your file such as public records, bankruptcies, they will stay on your record for several years. The best way to improve your credit will be to make sure you pay your credit card bills, mortagage payments, loans, in full every month and on time.\n\nIf you can't obtain credit cards because of your credit try a secured card. This is where you place a deposit into a savings account in the lender's bank which is used as collateral in case you default. Usually the deposit size will be your credit limit size.
189732
This is the easiest way. Find someone that has good credit and have them put your name on their credit card. They don't have to give you a credit card so it is no risk to them. After a few months you will show credit history. Then go and get a credit card in your name that has a limit of 5K.
93964
I'm not sure that you can increase 50 points in that short amount of time.  Unless you have a serious discrepency on your report, which you must write to the credit bureau to have investigated and then hopefully fixed, the only way to raise your score is to eliminate late payments to your accounts.  At best, this would take a minimum of 90 days in order to significantly impact your score.
568633
Here are 3 websites that will discuss your credit rating and how to improve it.  Some things can be done quickly, others take time.  Good luck!
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.
1055269
There are definitely some things that you can do to improve your credit score. I tried to do this recently and came across this site, http://www.webcredithelp.com
386037
I just answered this question a bit ago on someone else's question, so if you read it this will be redundant as I just cut and pasted.\n\nAs a victim of ID theft which lead to drastic measures, I have spent the past three years studying and rebuilding my credit. here's what you can do:\n\nHave about 2-4 credit card accounts, but keep the total balances below 50%, no matter what. This is a huge credit score booster. Debt to credit ratio is a large percentage that makes up your credit score. I can simply boost my score 50-70 points in one month with just keeping it below 50%. If its over 50%, the bureau is merciless.\n\nIf you have credit cards but they are all paid off, or you currently do not make monthly credit card payments, this is not good either. The "computers" that calculate your score cannot really calculate anything except history unless you have a revolving balance. Plus the longer credit history you have, the more it helps your score. For example, I have several credit cards all that are paid off. I just use them if I have to, but I always carry a small balance every month ($150) on a Victoria's secret credit card and just pay the minimum-KUST TO KEEP THE SCORE STABLE AND GOOD. The "computers" then can factor in some sort of payment that is being made every month. If you pay nothing, then the computers cannot calculate a "month payment factor" in your score.\n\nIf you don't have a credit card/good credit go to www.orchardbank.com. This place is the most generous in granting and rebuilding credit. After a while where you make payments, they'll boost your limit. You may start with $500 limit, and a high APR, but that's okay, just keep the balance below 50%, and in 6 - 9 months, you really start to be looking good. Department cards and gas cards are also good places to start and are more flexible to poor credit.\n\nAs for your bills like utilities, phone, etc. These will not help your credit because they are not reported UNLESS you don't pay. So pay them so you don't get a delinquency, but otherwise they're useless to you score.\n\nRemember, people with bad credit pull their score an average of 10 times more than someone with good credit. CREDIT BUREAUS KNOW THIS, WHICH IS WHY THEY LEAVE INACCURATE INFO ON YOUR REPORT. Try to keep the inquires down, because that hurts your score too. That's how they make money. That's how banks get their money too. So... I would pull my own credit report at www.myfico.com and check my score regularly. PULLING YOUR OWN CREDIT DOES NOT HURT YOUR SCORE. Then dispute the crap out of everything, even if its right. Write a letter, DO NOT USE THE AUTOMATIC system they want you to. If that doesn't work, try a law firm. www.lexingtonlawfirm.com is a great place to dispute everything. I have used them and iit works well without breaking the bank. $75 initial to start and $35/mo. They write the letters, you can access your info on their website and pick the things to dispute. They know HOW to say it. If you don't write certain things in your dispute letter, the bureaus by law can ignore it.\n\nOne other trick: Go to a bank and tell them you want to buy a house and apply for a mortgage. Let them know your credit is bad and you've been having trouble getting them to fix inaccuracies. Mortgage companies have an "in" and can get your credit corrected with the smap of their fingers. I know this because my wife did this for US BANK on a regular basis.\n\nIf you don't get approved with anything, then try getting a secured credit card until the score gets better. Or have your friend or parents with good credit or credit cards just see if they would be willing to put your name on their card as an authorized user/co-borrower. It doesn't mean you need one (if they're leary of your sepnding habits), you just need the action going on in your report.\n\nALSO, NEVER CLOSE ANY ACCOUNT. This will REALLY hur