How can you raise you credit score even when you pay on time?
829381
Here are a couple of things you can do to raise your credit score quickly. \n\n1) Have a relative with great credit add you to their credit card account. This can raise your score over 100 points instantly, and has not risk to them! Even though your relative can add your name to their credit card account, they don't have risk if they don't give you a credit card.\n\n2) Use your credit cards for monthly purchase, then pay balance down to zero every month. If you have the cash, this is a very quick way to raise your credit score. Remember, creditors cannot "see" your income from the credit report, but they can tell you have financial strength when you pay down your card balances every month. This technique can raise your credit score up to 80 points.\n\n3) Use time. Most people don't realize that a bad credit item has the most weight only in the first two months, then hurts your score even less after 6 months, and even less after 2 years. After 2 years, many bad credit items don't even hurt at all. I know a friend with 6 chargeoffs that are 4-6 years old and her credit score is 620, good enough to buy a house. Sometimes waiting even a month or two for a bad item to age is all you need for your credit score to bounce back. \n\nIt doesn't mean you are a bad person when you have a lower credit score. Bad things just happen. Good luck with your credit score!
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.
336743
A good way to raise your credit score actually consists of a few aspects. Paying your payments on time is very important. Try to always pay more then the minimum and pay it early consistently, before the due date. Secondly, it is very important that you do not have too many tradelines and you never want to keep more then 30% balance on any of them. For example, don't go out and apply to 16 different credit cards. Try to not have more then 7-10 tradelines. Don't max out on any cards, its better to have 30% filled on 7 cards then 1 card maxed out and 6 empty. Another important aspect is your history. Lenders are always looking for long history so never close the cards you have had for a long time. Always remember, loans like mortgages, auto loans, and student loans are good tradelines to have on your credit, just make sure you pay them on time.
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!
324823
Establish a history of making payments on time and in full.  If you can demonstrate that you can pay off your debt in FULL each month, your credit will rise very quickly.\n\nThat is something that you want to work on asap, too, because the alternative (bankruptcy) is not a great experience!
37038
The average credit score is 695.  Actually, the highest you can have is 800.  To help increase your credit score, pay down bad debt such as credit cards to at least the half way point.  Make sure you don't have too many accounts open, late payments, etc.\n\nYou can also open more accounts if you don't have a credit history.  Show that you can make payments ... more than the minimum but not the whole amount for a period of time.\n\nYou can also take out a personal loan (small) and pay it back on time and that will help increase your credit score.\n\nYou want a good average score to help keep down the interests on credit cards and loans.
23261
There is no clear cut answer to this question. Your credit score is not good at all. No matter what card or loan that you apply for, you will end up paying higher interest rates. \n\nThe best way to get lower rates is to increase your credit score. To increase your score, pay your bills on time, stop charging as much as you do now, and try to pay off as many cards as possible.
913256
First... request a copy of your credit report from each of the three major credit bureaus.  Make sure everything on there is accurate and dispute anything that isnt.  \n\nAfter that, you need to close any credit card accounts that you haven't used in awhile.  Having too many open accounts, even if they have a zero balance, still looks bad.  \n\nOnce that's all done... the best way to increase your credit is to make payments on time, keep balances low, and payoff anything you can.  If you don't have any debt, you can increase your credit rating by getting some type of loan (car, credit card, personal loan) and making the payments on time.  Paying such things off early helps a lot too.  Don't let yourself miss even one payment, as that will negatively affect your rating.  \n\nOther than that... if there's bad stuff on there, it's going to be there for the next seven years.  Until it's all gone, your score still won't be great.  \n\nI will tell you that it's worth it though... I had bad credit (thanks to divorcing my lousy ex) for most of my adult life... and finally in the last few years, it's become really good (since I'm no longer paying for HIS mistakes).  Sure makes life a lot easier!
996464
hell no ! just dont be late and you should try to pay a lil more than min i.e. min= 15 pay 25-30\nalways increaseses your score when you pay early and more than min! but has no affect if you pay just min so stop worrying!
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
973512
Pay your bills on time....
13855
If you have paid every bill on time for a year, and you have not had a bankruptcy in the past 7 years, then your credit report will show that.  If you have 2 years of paying EVERY bill on time, then you should be in good shape to get a loan.\n\nOf course, your credit score will rise the longer the time period of timely payments.  Don't miss a SINGLE ONE, though, for the next twelve months, and I think you'll be pleasantly surprised at the loan possibilities.
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.
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.
689893
It takes 7 for chapter 11, 10 for chapter 13, and you can get your credit up by going into your bank and open a secure credit savings acct a loan from yourself use any amount then you borrow from yourself then pay your self back this will boost your scores, then you can open a small acct anywhere and pay it on time lenders look at the trade line and how well you took care of the account if you have bk on you credit
473707
you need someone to co-sign for you a small loan at the bank. That will start your credit. As long as you pay it on time every time then you'll have good 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.