Is there a sure way to improve your credit score in 30 days substantially?
402121
Yes there is, but there are things that you need to provide to the mortgage company for a rapid re score of your FICO score. If you see an item on your credit score that was reported in error, you need to contact the creditor to dispute that. If the creditor accepts the fact that the item was recorded in error, they will issue you a letter that they will correct it. Once you obtain that letter, you need to present it to your mortgage lender to have them re score your FICO. For example, I was able to re score a client of mine that had a 671 FICO, to a 700 FICO by re scoring him after he obtain the letter. It took him 15 days for the process and 72 hours for the re-score.\nIf the items that are reported negative are correct, then your going to have to establish more credit to off set that one item. If your looking for a more competitive mortgage rate, and depending on where you live. You might want to look at government programs and state bond programs. Hope this helps, e-mail me if you have any further questions.
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.
870770
You can raise your credit score substantially (30-50 points), by your debt to income ratio.\n\nHere are a few examples:\n\nFirst pay down you cards. (don’t close your accounts)  \n\nNext:\nIf you had 2 credit cards one with a $10,000 limit with $7,000.00 used and another card with a $5,000.00 limit with nothing used, transfer $2,000.00 from card #1 to card #2.  The credit Companies frown on credit cards that are used over 50% of their limit. \n\nIf you keep you cards at or under 50% of the credit limit and pay the bill on time your scores will go up fast.\n\nIf you can’t balance your card out because of other credit issues, another way you can try is get on someone’s (a GOOD friend or relatives) department store or gas card account as a card user only (you won’t be responsible for there debt). Be sure this person has good credit and make all payments on time, if they don’t this will work against you.\nEvery month when the credit is reported you will receive the benefit of your friends good payment history. That in turn will raise your credit scores and make new credit more available to you. (this should take 30-60 days)\n\nThere are also other ways to raise your scores.\n\nGood Luck
846718
My close friend does credit repair and you are guaranteed results in 60 days.  Whatever he cannot clear, he'll refund you the money that was borrowed to clear that collection item or what have you. \n\nIf you want to do it yourself, you need to contact the three bureaus Equifax, Experian and Transunion and write them letters of dispute, confusing them so much that they sometimes clear your debt since they're tired of investingating it over and over.. it's time consuming and boring.....and who knows if you'll get the results you want...\n\nAs far as building your credit, call your collection agencies and negotiate w/ them to pay half of what you owe them, THREATEN them that you will file a bankruptcy, so either they should take your offer or else shove it....bargain w/ them....\n\nSlowly make your payments on time, and you'll see your fico score rise month after month.....if you have any further questions e-mail me at edgarambart23@yahoo.com\n\nI'm a loan officer, and an entrepeneur, and deal w/ clients w/ similar problems on a daily basis.  \n\nHope this helps.....
763544
Credit repair services are a hoax.  Avoid them.\n\nCredit counseling services, however, aren't about your FICO, but about debt reduction. Some of these have a bad reputation, too, so only use them as a last resort and read all of the fine print.\n\nThe only way to improve your credit is to start rebuilding it over time. Get a low-fee secured credit card. Pay it off monthly, and let time heal your credit.
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.
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!
780104
Its really impossible to predict accurately, but I would expect it should have a resonable improvement. \n\nYou should consider building more credit. \n\nhere is a good article about building credit the smart way: http://www.expert-credit-advice.com/building_credit.htm
235482
Yes, there are lenders that will Finance one day after 7 as well as 13... As always there are many other factors, if 13 they want a payment history as well as your current credit score... My advice would be to get a Secure credit card from a local bank as this will start to rebuild your credit and never owe more then 30% of you limit so it you take a 300USD line then have a balance not to excede $100
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.
335845
Since we do not know why the credit rating is low, here are a few tips to assist in getting your credit score up. \n1) If you have any charge-offs and judgments against you, you need to pay those items off. Once you have done that, you need to request a letter of satisfaction. You will want to hold onto this letter for at least 7 years, just in case they fail to update your file as paid.\n2) If your current credit card balances are 50% more than your credit limit, pay down the balance to 50% and continue to pay the minimum monthly payment.\n3) You need to have 4 active trade lines in most cases that have a history of more than 12 months. So cutting up and closing your accounts might harm your over all credit recovery. \n4) If you do not have credit, your going to need to establish credit by obtaining secured credit cards. Even though your interest rate will be crazy high, we're not trying to consolidate your bills to reduce your monthly debt obligations. Establish at least 4 secured cards and utilize only 50% of the credit allowance. \n\nUnfortunately you not going to be able to get a high credit score fast, however these steps can help you in correcting your credit and re-establish your credi profile. Hope this helps..
213017
Stop eating out, or whatever you spend the most non-essential money on. Then take all the money that you would have spent, and put it toward fighting your debt.\n\nBe consistent. It should only take you 18 months, which is Small in comparison of 30 years. Think about it.
1014680
there is no need to wait that long.  go to creditreport.com and you can have a full report from al three agencies today.
815986
Give it 30 days before you call the creditor. And as far as your credit report goes it can take the bureau up to 90 days to update. After that time period you can call them to correct it.
298349
Pay on time.   That is the first and most important thing to do.\n\nObtain copies of your credit report from the 3 major reporting agencies. (Trans Union, Equifax and Experian. )  Review the reports, look for any descrepencies and mistakes.\n\nReport any inaccuracies to the agencies in writing. \n\nIf there are items on your report that you do not recognize or that you wish to dispute. You may do so in writing to the agencies. \n\nWhen I wanted to make my first home purchase, I paid off the balances I had on credit cards and isntallment loans. \n\nIn 3 months, I was able to improve my score by 120 points... .by doing these things.
840947
1. Making payments doesn't always raise your score.  If you pay it religiously it might go up but not much...it would have to be awhile.  Like a Credit Card, it should come off after 7 years.\n2.  Orchard Bank is a good one. I am using that one to repair my credit and they aren't outrageous at all.  Have had them over 2 years and they took off the annual fee for me because I never was late making a payment.  Repairing your credit score won't happen over night...takes alot of effort and patience!
846775
Increasing your credit limits is one of the fastest and easiest ways to increase your FICO credit scores.\n\nWhen you increase your credit limits and your spending patterns remain the same you end up using a smaller percentage of your combined credit limits. This increases your credit score rating.\n\nImagine you have 10 credit cards, each with a $1,000 limit. So you have a total (or aggregate) credit card limit of $10,000. Now assume that five of these credit cards are maxed out. In this case, you have a total (or aggregate) credit card balance of $5,000.\n\nYour balance-to-limit ratio is now 50%. You've used $5,000 of your $10,000 total credit limit ($5,000 / $10,000 = .5 or 50%). This is called your "revolving utilization." It's the total amount of your credit limits that you are currently using.\n\nYou pick up the telephone and ask for a credit limit increase on each of the five credit cards you haven't maxed out.\nLet's suppose each of the five lenders doubles your credit limit. So now you have 5 credit cards with a $2,000 limit and a $0 balance. But you also have 5 credit cards with a $1,000 limit with no available credit, for a new total credit card limit of $15,000.\nYou’ve used $5,000 of your $15,000 total credit card limit. Your new balance-to-limit ratio is 33% ($5,000 / $15,000 = .33 or 33%). By increasing your credit limits you've just reduced your balance-to-limit ratio from 50% to 33%.\n\nAnd if you doubled the credit limit on the other 5 cards in this example, your balance-to-limit ratio would be 25%.\n\nThat's a significant decrease in your ratio. You've just increased your credit scores by making a few free telephone calls.