How should I go about raising my credit rating?
402742
I CAN SEE YOUR NEW TO THE CREDIT GAME!  DON'T MISS ANYMORE PAYMENTS! GET A FEW MORE CREDIT ACCOUNTS, BUT DO NOT USE YOUR FULL CREDIT AMOUNT ON ANY OF THEM AND.....   DON'T KEEP A ZERO BALANCE!!!!   SHOWING YOU CAN OWE WITHOUT BEING UP TO YOU LIMIT ALONG WITH PAYING YOUR BILLS ON TIME WILL HELP BUILD YOU CREDIT. THEN YOUR SCORE WILL GROW! ................... AND DON'T TRY GETTING MORE CARDS AND NOT USING THEM THAT WILL ONLY TIE UP CREDIT.  YOU HAVE TO USE CREDIT TO BUILD CREDIT!
469706
A person's credit rating is built upon historical demonstration of good financial habits and responsibility.  The simplest things to do to build your credit are:\n\n1. Open a savings account and make regular deposits to it, no matter how small.  You demonstrate a savings habit and built a cash asset.  The financial principle is called 'Pay Yourself First'.  You worked for that money, you should take the first cut.  Save at least 10% of what you make and don't touch it; always use that ever-growing-wad to make yourself more money.  3 to 6 months of your current income in savings should be your first goal; just in case something unfortunate happens at work. Once you hit that, start looking into good mutual funds; another cash asset that will add to your net worth and your credit score.  Don't forget, that 'wad' is always earning you interest and getting bigger.\n\n2. Make payments to your creditors ON TIME.  A number of late payments, or worse, defaults on loans, can really screw things up on your credit report and you'll appear to be 'a bad risk'; no matter how nice a person you are.\n\n3. Open and manage a rotating credit account so you can demonstrate that you can manage credit properly.  This will help raise your credit rating.  If you don't have a credit card yet, apply at a gas station for a card; ensuring there is no annual fee.  If you're employed, it's very easy to get one of these, the credit limit is usually only a few hundred dollars, and you can easily use it for something that you're likely paying for each month anyway.  Yes, you could get one from a department store, but its more likely you'll have a 'new shoes' emergency or the like.  Stick with the gasoline necessity until you are comfortable handling credit properly.  To budget your expense, keep the receipts for your gasoline for a month or two and average how much you spend on gasoline in a given month.  Set the money aside in an envelope when you get paid, and at the end of the month when your gasoline bill comes, deposit the money and pay off the balance.  Paying off the balance each month avoids any finance charges and ensures that having the card (and building your credit score) won't cost you a thing.\n\n4. Pay down your outstanding debts.  Once you are carrying enough debt to impact 50% of your cash flow each month, creditors start getting itchy about your ability to repay any additional amounts.  If you have several cards and are carrying balances on them, target the highest interest rate card first and pay it down to $0.  Take them in order until you're out of debt.  Then use the lowest rate card and carry a small balance.  I use one card for gasoline and monthly services then pay off the balance each month.\n\nPeople with good credit ratings get lower interest loans because they've proven themselves a good credit risk.  You'll appreciate that when you apply for your next car loan or your next mortgage.  One or two percent over a 30-year mortgage can save you thousands.
356395
Very slowly. First get a credit report from expeirian and see what you owe and what ccjs etc you have got.\n\nThen pay the money you owe.\n\nThen go to all the banks and try to get a bottom of the pile credit card with almost no limit.\n\nkeep spending on the card and keep it up to date on payments and your credit limit will rise slowly\n\nThen after so long your credit score will rise and hey presto your on your way.
1065449
FICO scores are not used for the purchase of automobiles.  Beacon scores are the determinant method.  Your bank, credit union or other auto finance company will pull credit on you and assign a score.  Different lenders have different thresholds.  The better the deal you get for financing, the higher treshold you'll have to meet.  620 is usually considered the the bottom of the best tier of creditworthiness.\n   The fastest way to increase your credit score is to NEVER charge on any card more than 50% of the high limit.  30% is even better.  Installment accounts that are near 10 months or so induration, should be paid to within 10 months and they will no longer count against your credit.  Never make major purchases within the first 4 months that a new line of credit is established.  Accounts older than 4 months with low balances will drive up your credit scores.
178459
1) They will charge you a fee\n2) They will raise your interest rates\n3) They will charge you a lot more of interest for any amount above $1000.00 (That rate can be higher than 25%)\n4) If you ever ask your bank for a credit line raise you could be declined\n5) You are supposed to keep your debt at 50% of your credit line or lower at all times. (If you only have 1 credit card you cannot have a debt of more than $500 at all times) if you keep your debt at 100% of your credit line your credit score will go down.\n\nI suggest you to keep your debt below $500 at all times (With that MasterCard) and apply for another credit card if you need to spend $1000.00
377586
Do not take out a credit card if you are trying to raise your credit score.  The credit check they do on you will actually in the short term have an adverse affect on your score.\nThe best thing you can do is take out a small personal loan from a bank and pay it off in about six months.  Then do it again.  As long as you haven't done anything to further hurt your credit, it will improve your credit a great deal.
486641
Take out a $500.00 loan through your local bank or credit union, but then turn around & deposit that $ right back into the same bank. They will make monthly deductions, & as they do...this will build up your credit rating, giving you good credit.
124150
It really depends on the credit company you are using.  I use LandAmerica.  And with them, I first figure out what can be done to raise the credit score.  (They have a system that allows you to see what needs to be done to obtain a certain score)  Its just an estimate, but pretty helpful.  Once that is done, you make the changes that are needed.  (Pay off that credit card, move around balances, get a letter from a collection agency that says something was mis-reported... and so on)  Once you have your proof that your credit needs to change, you supply that to the credit company and they supply it to the different Bureau.  I think the cost from company to company is about the same.  (About $25 per Credit Bureau per line item) Once that is all sent in, it will take about 5-7 business days.  Good luck!
187380
1) Call your Creditors, tell them you are willing to make monthly installments if they bring your interest down. Negotiate a better interest first-\n\n2) Access you cards, take the highest credit card amount and begin, making double payments.\n\n3) While paying the minimum on your lowest credit cards amounts.\n\n4) Once your higher credit card is paid off, begin double paying the next highest card, etc.\n\nEventually you will pay off your highest interest rate, with the highest amounts first.  That should even out your credit score--give it 1 month after the final payment of each card for your score to go up.  \n\nOnce you have paid off from the highest to the low and you've waited 30 days from the final payment of the last card.  Check your score and then consolidate anything you might have left.\n\nGood LUCK and prosper...;*!*;...
48916
You didn't really ask a question, but it seems to me that you would do well to establish a better credit score. The link below gives a lot of good information on how to do that.
247978
depending on how your credit is if its in good shape i would go with a agency they will fight to get you the best rate if you find a good officer. they have more programs they can use
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
167352
I would try to get a very tiny secured loan from the bank.  Maybe $500.  Go to 5 banks and do it.  Next pay all 5 loans back.  Repeat again for a slightly larger amount.  eventually you'll have several loans that show up as borrowed and paid.  This will increase your credit. You should (given time) be able to multiply your way up to $50K.
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
1150310
I have flawless credit and this is how I did it. Start by joining a credit union or a bank. After a few months they will approve you for a small personal loan. Once you take out the loan, cash the check and pay it back in a few days. You wont get hit by the interest and they love to see you paying off your debts that soon. Repeat this process a few times, they should give you larger amounts each time, based on your repayment history. After a couple of years you will be well over a 750 rating. Also avoid racking up huge number on a credit card. That will only come back to haunt you. Also buying and paying off a car or home counts huge.
3466
There is no way to improve your FICO score fast unless there are inaccuracies on your credit report. Those you can challenge and have removed. Otherwise, you must take the time required to show lenders that you are a good credit risk.
1059603
I have answered this question in a 5 part series. There are a few items that can be done to build credit. Here are some quick ideas:\n\nThe fastest way is to have a family member or friend put you on a credit card of theirs as an authorized user. This allows the history of that account to report to your credit as well, but you never are in debt. (Just be careful that the account you are added to is a good one!)\n\nHowever, this is not a long term solution for good credit... try these for solid established credit over the long haul....\n\nOpen a Credit Union account and get them to provide a secured loan against your savings. If you have bad credit, most traditional and national banks will not give you a loan. They usually want good credit for that.\n\nGet a secured credit card and only use it for gas purchases, once a month and pay it off each month. No debt, but always paid on time... does wonders!\n\nBuying a car can help, but you will have a very high rate with limited or no credit.\n\n\nCheck out the resources below for all the details and more ideas.