How can I get my credit score to 700 from a credit score of 500?
486707
First off you need to know what is in your credit reports both positive & negative. Go to www.annualcreditreport.com and get all three of your credit reports free. Review them for accuracy. Dispute any item you believe to be inaccurate.\n\nHaving negative items on your credit files affects your scores more than having positive items. Public record items such as bankruptcy, judgement and collections(even if paid) weigh heavily on your credit score.\n\nYour goal should be to have only positive items on your report if you want a FICO score of 700+\n\nYou should plan to have 3-6 revolving accounts and 1-2 installment accounts to increase your score.\n\nGood Luck
501743
Have them run their own credit report at www.myfico.com and ask for a copy of it.  This also gives you the credit score and it pulls from all three credit bureaus.  It costs $12.95.   Or, they can write away for copies from all three bureaus but that will take a couple of weeks.  \n\nYou are smart to do this, by the way!
828921
That has nothing to do with moving or a new job and everything to do with your credit score, check it out, you want to be above 700, the higher your score, the easier it will be for.you. You are entitled to one free per year, If it's not good, you need to work on getting that cleaned up, before you think about buying a home. Good luck.
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).
281526
First let's dispel a myth about credit.\n\nLet's say you have a major credit card with a $2,000.00 limit and you charge $2,000.00 every month and when you get you statement you pay it in full. You will not have any late charges but your credit file will show that you owe the credit card company the full amount of your credil limit which will lower your score.\n\nIf you want the highest score possible make sure you credit card has as close to a zero balance(definitely not more than 50% of your credit line) when it is the end of your statement cycle. This is what is reported to the credit bureas.\n\nAlso, watch out for credit reporting lag, i.e. you pay off your credit card in March but the zero balance may not show up on your credit report for 60-90 days.\n\nAlso be careful, because some credit card companies are now not reporting credit limits to the credit bureaus but only high credit.\n\nIf you haven't checked out your credit reports go to www.annualcreditreport.com and you can get all 3 for free and it won't lower your score.\n\nOnly get your credit scores from www.myfico.com/12 because that is the real FICO score that lenders use. Plus you will get the top 4 reasons that your credit score isn't higher and that will give you a game plan. All of the other scores advertised on the web are worthless.
271667
Reading text to resolve a question or achieve directives does not work with credit repair/improving.  Analysis, followed by actions known to improve FICO, along with disputes of negative tradelines, and some ways to add points if feasible to the consumer. Easy to go from 620 to 660.  Harder to improve from 720 to 760.  Nearly possible to jump from 520 to 560; a score under 600 denotes derogatory items, their removal will get you into the 600's.  Manipulation of balances is your likely solution.  Statement dates, reporting dates, date of last increase, etc.
579371
With what you are telling me, my bank would probably do the loan using the property as collateral. You shouldn't have a problem obtaining the loan but the 640 score may get a little higher rate than a 700 plus score would.
1008053
You may want to consider a "secured" card; this is a credit card that is backed by a savings account of equal value, meaning that if you have $500 in the account, you have $500 of credit. This is the best way to fix/establish credit.
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.
1133566
To have good credit, you need to have opened a credit card account or loan. You must pay it monthly on time. If you are late once it will be on your credit report for 7 years.\n\nDo not spend more than your credit limit.\n\nYour debt to credit ratio should be around 25% or lower.
1028289
Try American General Finance or Try a Credit Union. I got a loan with a 470 score.
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.
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
1174066
Ok follow these instructions to the "T" this will restore credit nicely.  this information comes to you as a free no obligated gift from me as I was in the same predicament.\n   I  presume that you have endured the bankruptcy 7 year not credit allowed. sometimes that wait can be up to 10 years if you just stand by and do nothing about expediting the process.\n  \n1) sell an item or two, your goal is to come up with at least $600.00. or the more the better(fees &other).\n2) go to a bank(one that you have not done any prior business with and a national bank if possible.\n3) be sure you have all the criteria a bank needs to set up an account IE: ssn, id, at least a part-time job. birth  cert?\n4) deposit 500.00 into a savings acount.\n5) then have that $500.. as secuity because you will be taking out a personnal loan with in the amount of 500.00. You will not need a co-signsor(or at least i did't) as the money you just deposited is their security. their will be a hold by the bank on these funds.\n6) with the $500.00 you recieved as a loan. wait a few days and then go to another bank and use the same instructions. and if they ask if you have other accounts you can now say yes.\n  Do the above with at least three banks,each time you do this you will have in each bank $500.00. along with that you will be lugging this 500.00 around. \n7) ok now you have established 3 accounts. Please read the following importantly:\n hang unto the $500.00 and make the minimum monthly payment on each(recommended), this is ok as the goal here is to regain your credability here . keep track of all transactions.\n8) when your obligations have been fulfilled you now have credit along with $500.00 in each account.$1500.00!\n9) be sure to keep up on all those watchdog master credit rating burous.\n10) And their you go..You now have 3 lines of credit. i have helped\nother people out with the same succsess. be digilant and do not get back into the predicament that got you here in the first place.  \n  Your welcome           bchristo@tds.net
284582
How much do you need?\nWhat is your current credit score?
924620
You can pay your balance or part of a balance higher than the  minimum payment anytime before the due date. Some lenders will allow up to 3-payments without penalizing you for it. \n\n\nWith a $500.00 Credit Line you need to be ware that you cannot use more than 50% of the credit limit., keep your utilization low, this mean only use $250.00. and try to pay the balance in full every month.
977076
3 Ways to improve your credit score..............\n\n\nPay off Debt = http://www.expert-credit-advice.com/debt_settlement_service.htm\n\nDispute Negative Items = http://www.expert-credit-advice.com/credit_repair_service.htm \n\nAdd Positive Credit = http://www.expert-credit-advice.com/building_credit.htm \n\n\nWatch your score skyrocket!