How can I get my credit score *better*?
467442
Get a new card that allows you to do a balance transfer at no cost. on an existing card make a huge purchase that can be returned after 60 days. After 30 days do a balance transfer from new card to existing card. Now return the item/s purchased on the 58 day ( 59th day just looks hoke). Now use the money from the existing card to pay off the new card. Moral of the story: the more you charge and pay off the better your credit score. You have to charge and pay off.
1101149
People with best credit scores?
62933
first, obtain a copy of your credit report so you know what bills are outstanding.  Then, pay off those bills!  Next, get a credit card.  Believe it or not credit cards (revolving accounts) make your credit rise more quickly than anything.  But you have to pay them off on time every time!
23298
The best way to increase your credit rating is to pay your bills on time.  If you are currently in default on any accounts, try to get caught up as soon as possible.  You can check your credit report for free once per year at annualcreditreport.com but that will only show you the information that is appearing in your report.  If you want to check your credit score you will have to pay a small fee (usually around $5 per credit bureau).
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.
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.
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.
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.
596381
Just get any credit card, doesn't matter what the interest rate or anything is. Just make sure you pay it off every month then the interest won't matter and it will help your credit rating. Make sure the card doesn't have an annual fee either. Then eventually you will be offered better credit cards. I currently have 7 credit cards because i opened four credit cards when i was 17 then went from there and now i have better credit cards with rewards.\n\nDo not listen to the people that are telling you to get debit cards, if you want a credit rating you need to have available credit which doesn't apply to a debit card.\n\nAlso, getting a credit card from certain stores such as Victoria's secret don't necesarily work as a real credit card, they are only limited to that store.\n\nCiti card would be a good card to start out with, you just have to be responsible with it, if you want a good credit rating you can't abuse it.
939079
Yes! A mortgage history (that is on time every month) will quickly boost your credit score! (on the downside, any payments over 30 days late will just as quickly kill it...)
1054356
Your credit score is good..any thing above 700 is good and gets you rated as a AAA. just keep paying everything on time \n\nNormobrian is a moron  he is totally wrong
281119
You must first understand how your credit report and credit score is figured out.  Go to the links below and learn about them.\n\nYou already paid off your debts, which is great.  But you made a mistake in not getting an agreement from your creditor to remove any bad reports off your record.  \n\nThey may still do it for you if you ask nice.  Ask them to change the account to "paid as agreed" or at lease remove the negative report from the records.  \n\nBy fixing any negative report it will help to improve your credit score.\n\nNext, study the MYFICO site and understand how your scores are calculated.  Then take the tips they give in improving it.  \n\nIt will not happen overnight.  There is no magic bullet that will fix it.  \n\nAnd don't fall for the claims from Credit Repair Agencies that they can fix it either.  They will do the very things I've mentiond, but charge you a few hundred dollars.\n\nGood luck
1082533
Getting additional credit and making the payments does not necessarily improve your credit score.  Generally, you will want to pay off credit and reduce the amount you borrow to improve your credit score.  Also, it depends on how you make your payments between now and March 2007.  If you make your payments, and do not take on any additional credit, your score could improve.....I would need additional information on your existing credit situation to be sure though.
587402
Ha ha that guy was funny!  Anyway..........I went on myfico.com and paid the $50 or so bucks to order all three credit reports.  It will show you what is on your reports.  Then it has an interactive area where it can give suggestions on how to improve your scores.  For example, it showed me that if I paid off one of my credit cards, it would raise my score 100 points.  I did and it worked.  I also found several discrepancies on my reports and the program generates a letter for you to each agency telling them what you want to dispute and most of the times they will just remove the item from your report, raising your scores.  After fixing several things on my reports, my scores jumped.  I bought a house the first time I applied for a loan, just after a year of working on my credit scores.  You also need to get references so make sure you are being a good renter!  A little prayer wouldn't hurt either.  Good luck and God Bless!
475111
Sure if you want to be raped. If you're trying to fix your credit, start with a secured credit card. You know, one that requires 75 to a hundred dollars per year to have and has bad intrest, but don't use if for more than 50 dollars at a time and never make a late payment. After a year or two, ditch it for a better card with no yearly fee. This is a leg up to a better credit score.
1122391
I happen to disagree with many of the above comments.  Scores of 620-650 are considered average, scores above 650 are considered high scores. \n\nThe biggest contributors to your score are:  Paying on time,  Account balances compared to max credit available, Credit length, and type of credit.  The rough percentages are below:\n\nPayment History 35% of your score\nOutstanding Balances 30% of your score\nLenght of Credit History 15% of your score\nType of credit 10% of your score\nInquiries 10% of your score\n\nUsually the number of open accounts does not have an major impact on your credit.  I have actually seen the opposite occur that when you start closing accounts your credit actually drops due to various things such as now you account balances start to get to close to your max available credit, etc.\n\nPay your bills ALWAYS on time.  Pay credit cards down or close to zero every month.\n\nMake sure your balances relative to your max credit is low, somewhere in the 10-20%.  IE if you have a $5,000 limit do not put more then $1000 on the card in a month, and be sure you have funds to pay that down to almost zero when the bill comes.\n\nLenght of credit... If you find it necessary to close any accounts DO NOT CLOSE the ones you have had forever.  Keep those ones open.  Close recently opened credit IF YOU MUST.  The longer you have an account in good standing open the better.  A good length to have a card open is 15 years.  You will be doing good if once you hit that mark.\n\nType of credit... make sure you have a variety of cards, such as gas cards, department store cards, bank issued visa and mastercards, etc.\n\nIf you have a lot of recent inquiries it can lower you credit score as it makes you look desperate for credit.  Try to make sure to not open new accounts within a year or so of eachother.\n\nI have suggestions to help you increase your credit score... Do you own a home?  If not a mortgage will help to increase your credit score... Open auto loan...?   A paid of or open auto loan will increase your credit score... Pretty much and LONG TERM and Large amount loans will have a great impact on your credit score.... If you can show that you have made a 2K house payment for the past 10 years.... You have shown your ability to pay, which will be reflected by your credit score.\n\nDo a voluntary inquiry into your credit.  This does not have a negative effect on your score... You can get it free from www.annualcreditreport.com or you can pay www.myfico.com or other similar site to get your credit score and view your credit report.  Be sure that all the information on your credit report is valid and dispute anything you see as odd.\n\nGet your credit score from all 3 credit bureaus... Equifax, Transunion, and Experian.  Each one scores you differently... You can have a large range of credit scores between the 3... Say for example 720 with transunion, 690 with Equifax, and  708 with Experian.  So it is worth it to see the overall picture.   Please note that when you request your credit report from the bureaus you often do not get your FICO score.  You may have to use www.myfico.com to get those.\n\nMy hand hurts from typing :)  so if you need more help or advise please let me know or email me.  I would be glad to help you in anyway that I can.\n\nHope I was of some help.
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!