How to improve credit quickly?
492338
It is best to stop using the cards, cut them up, throw them away, pay them off and start putting money in savings instead of using credit (spending money you don't have) to buy stuff.\n\nIf you can't pay it off by the due date, pay at LEAST the minimum (more if you can) BEFORE then, and pay the rest when you get it (don't wait for the next due date or you'll rack up more interest charges).\n\nWhile you're waiting for your savings to build up, keep the lines open - if you've cut up the cards and thrown them away, like I said, you won't be able to use them.  Once you have a couple thousand dollars in savings, close the accounts and stop worrying about your credit score.\n\nIf you have money in the bank, lenders will see that you're not spending every penny you make (and more, with credit cards) and won't care about your credit score.\n\nOh, and don't buy a car with credit.  And NEVER buy a NEW car, they depreciate too quickly.  Only thing you should buy on credit is a home!
594249
Pay your bills on time.  Yes, it's obvious, but there are no hidden secrets to improving your credit score.
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!
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.
771428
If you pay the debts off it will have positive effect but not substancial and definately not quickly. \n\nIf you really want to improve your credit: \n \n1st pay off your debts in full or settle them for less then you owe. \n\n2nd: Dispute the negative items. \n\n3. Add positive credit history:  \n\n\nThis website will help, take a few minutes to browse through it: \n\nhttp://www.expert-credit-advice.com/
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.
946131
You have to have something reporting to the credit bureaus in order to build good credit. To be honest with you, credit cards are the best thing to build your credit, besides a car or mortgage.\n\nJust get a couple of credit cards and keep your balances to around $300.00. Pay at least the minimum monthly payment every month. This will build your credit up quickly, but won't put you into a lot of debt.
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!
215162
the only way to fix your credit is to pay off deliquent debt, or at least start,and stop applying for new debt(just the apllication hurts your credit). other wise wait seven years for it to clear from your history.\nmake large down payments on items, at local businesses, that you are going to buy anyway and pay them off!!\ni heard on the news that most credit fixing companies are scams and get some of the money that you could be paying the creditors. a phone call can do wonders.
511361
Pray for a miracle.  There's no way to raise your credit score that much in that short a period of time.
439709
I don't know exactly how quick is quick to you but here is some tips~~\n\n-Get your credit reports from all three credit reporting agencies(Equifax, Experian, Transunion) You are allowed to get them free once a year from each. Other than that you will need to spend about 30-40 dollars buying them from a secure site. You will need a credit or debit card, just like any other online purchase.\n-Pay off as much of your loans/credit cards as possible. The lower your balance, the better.\n-Do not cancel too many cards all at once. Just keep them paid off. (Or as low as possible)\n-Do not apply for too mcuh credit at one time. Once in awhile doesnt hurt, but too much at one time makes you look like a risk\n-Try to get some kind of secured debt Like a car loan.\n-FYI--- Pulling your own credit does not effect your score in anyway.\n\nDoing this should help, but it may take a couple of months to see a difference.
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.
68236
Purchase things you ALREADY HAVE THE MONEY FOR in the bank.  Then pay them off each month.\nEnsure your card has no annual fees, and it will cost you no more to use the card than it does to have cash.  Just be sure to never, ever, ever spend more than you have in the bank.\nOver time, this will build up your credit.\n\nIf you buy a car using a loan, your interest rate will depend on your credit.  Once you pay it off, your credit will go up (makes good on debts).\n\nBuy a house, and your credit goes WAY up.\n\nGood 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.
1052309
Try Chase. Or capital one. They both gave me credit cards when I had no credit. Then just use them and pay more than the minimum payment (or pay all of it) and it will help establish your credit. You may also think about asking your financial institution. They may have ways to help you as well.
215461
It will take several months to a year to get your credit really improved. Be careful of using a company who says they can raise your credit score. Cause legally they cant. Only you can. And while paying them large sums of money, you can dod it yourself for free. Depends on the elbow grease your willing to give. Check it out. There really is no super fast way to do it. But the best and probably quickest way would be to go to Annualcreditreport.com and get your free 3 credit reports. Then go through them and dispute the negative items on your report that dont make valid. Even if unsure, do so anyways because it becomes the responsibility of the creditor to prove that the information is accurate. If the creditor doesnt respond within 30 days the negative item has to be removed by law. In which removing a negative credit report item raises your score. Also, finding your most recent and lowest balance debt and offering halve of what you totally owed for it. Most creditors are willing to do this if your account has been way behind for a long time. Because now they're just worried about getting any money from you at all. Same is 100% true for collection agencies whom took over your bad debt. Offer half and no more. Ask to include in writing and mailed to you that they will remove negative from your credit report in terms of full half-amount payment. That raises your score. Other would be as suggested to get a secured credit card and just use it for gas twice a month or something small. Dont use it for anything else! Thats how you get screwed up again. Make the payments on time...everytime. This will start to show up as a positive item in your credit report and by showing a low balance on you card (30% or less of high limit) will show you can be responsible with your credit and thus create a higher score and higher opinion of a future creditor...such as an auto financer. Heed this and Hope i was of some good help to you. Good luck. Shuuutnstr =o)
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