is there a fast way to improve a poor credit score?
919975
pay your bills, get a credit card, yea i said it. buy something everything month with it (like a 40 dollar shirt or something, whatever it doesn't matter) PAY IT OFF every month. you build credit by having credit history. \nI have a loan for like 5k for my car, and other stuff and pay it every month, my credit score has gone up tremedously over the past year because of it.
147290
Step 1.  Obtain copies of all 3 credit reports.\n\nStep 2.  Review the information on those reports carefully and dispute any inaccurate information.\n\nStep 3.  If you have credit cards with high balances, pay the down NOT completely.  Having credit card with a "0" balance is not good....they refer to it as "under-utilization of credit."\n\nStep 4.  If you don't have a savings account, open one and apply for a signature loan with the bank using the savings account as collateral.\n\nStep 5.  Pay this loan early.....not right away......if you choose a 12 month payback, pay it off in 6-8 months.\n\nStep 6.  Repeat step 5\n\nStep 7.  Do NOT apply for credit of any kind during this process, inquiries will cost you 2-6 points for each one.\n\nStep 8.  Do pay everything on time or better and monitor your credit report quarterly to ensure that everyone is reporting accurately.\n\nFollow these steps and your score will increase signifigantly.....not the fastest way, but the ONLY way to guarentee yourself improvement.\n\nGood luck and take care
541487
Suggestion: Go to 'rent to own' places and ask them if they will report your timely payments to the credit bureaus for you. Most of them will be happy to say yes, if you buy something of course. Get something small and simple and make the payments on it. Try to get 90 days, same as cash and knock it out before the 90 days are up. They report your good work and you can start rebuilding your credit. The bad stuff will still stick around for 7 years, but your efforts will help you in getting loans if you need them. Good luck to you!
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.
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.
1005951
Even though you have "poor credit", you can still get a loan.  If you have assets, you can put them up as collateral.  An example, go to a pawn broker (hock shop)
886122
No.  Most of those websites are scams.  They take your money and do nothing for you.  The reality is that noone can fix your bad credit except you.\n\nThe few websites that do help with this still have you do the work, they just provide you with the info.  Below is some info on how you can fix it yourself.\n\nFirst off, request your credit report (you can do it for free on the link below).\n\nOnce you go through your report, highlight those accounts that are bad.  Do any of those not belong to you?  Contact the credit report company and ask them to remove it from your credit as it does not belong to you.  Those that belong to you should be isolated into two categories:  Those you can pay off, and those you can't.  Contact those you can pay off and let them know that you will pay them off.  Ask them who to send the payment to, and ask that they remove the negative report since you will be paying them off.  Tell them you will not pay them unless they agree to remove the negative report.  They will.\n\nNow comes the hard part. Contact each and everyone of the bad reports that you can't pay off and negotiate with them to see if they would be willing to take a partial payment for the whole sum.  Let them know that things have been difficult and that you are considering bankrupcy, but that you would like to settle your debts with them before that happens.  As before, ask them to remove the bad report as a condition of paying them.  Most companies will take a partial payment over no payment.  This takes finesse and persuasion.  Always ask for a supervisor when you call as they have the authority to negotiate an account.\n\nLastly, guard your credit.  Get a secured credit card through your bank and make a very small purchase each month and pay it off each month.  A history of purchases and timely payments will improve your credit over time.  There are no quick fixes, so beware those who offer them.\n\nBest of luck.
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.
198473
Improving a credit score requires establishing good, clean, current, positive and active credit. This will raise a credit score as soon as it is reported to the credit bureaus and included in the credit file. Begin to pay all of your bills on time and start paying off old debt.\nLearn to manage account balances to maximize your credit potential. Credit scores aren't static numbers. Because they are calculated based on your current credit report, they change every time your credit report changes. While this change may be very slight, it can also be much more dramatic. Here are some things you can do to try to improve your score: \n\n•Review your credit report and correct any errors you find. Getting rid of inaccurate (and bad) information can sometimes improve your score dramatically. \n\n•Close any accounts you no longer use or need. This reduces your amount of available credit and can help improve your score. \n\n•Reduce your balances on credit cards to 75% or less of your available credit (30% is preferable). \n\n•Pay your bills on time. (This is probably the most important of all!) \n\n•Don't let anyone make an inquiry on your credit report unless you absolutely have to. The more inquiries, the lower your score. \n\nAlso, remember that some improvements -- such as better efforts at making payments on time -- may take time to impact your score. So, time is also a factor. \n\nIf you go to the bank for a loan and are turned down because your score is too low, your would-be lender will get a list of reasons for that low score. You can use that list to try to turn your score around. While nothing is guaranteed, since lenders can also use their own scoring methods, you certainly can't hurt your score by taking any of these steps. \n\nThe key is to get credit only when you need it (unless you're trying to establish your first credit), and then use it carefully and make your payments on time. Remember not to max-out credit cards. \n\nIF you want additional help go to the source web site\ntell them Kay Weber sent you
510092
I'm one of the investing financial advisors who you don't want to talk to yet.  But I've also done some credit work in the past, and I know who you are looking for.  Be very careful, because there are a lot of crooks out there who sell fake credit repair packages.  The best place for you to go is to a non-profit credit counseling organization.  They can help explain all the issues.  Sadly, there truly ISN'T a quick and easy repair that you can make, but there are steps you can take that will gradually improve your credit over time.  If you handle things right, once your bad times are far enough in the past, it will be like you never did anything wrong.
895082
You need to sit down and make a list of all your monthly bills that don't change.  Rent/mortgage, car note, insurance, etc.  Then estimate your variable bills like utilities, gas, food, etc.  Subtract these from your monthly income.  What you have left over is BILL PAYING MONEY.  Divide this number by two and that will tell you how much money you should put towards those CC payments at EACH paycheck.  Don't just pay those cards once a month.  Pay them every time you get paid!  This will reduce the interest charges you incur, as well as increase your credit score because you have a lower revolving balance.  The faster you pay it down the better off you will be.  Once you get that under control, set a limitation on yourself. Never put more charges on that card than the extra money left after bills that you calculated earlier.  I know this sounds tedious, but will some discipline you'll get the hang of it and it will be like second nature after a while.  Pay down the bills with the highest interest rate the fastest, but don't ignore the other ones.  Have fun with it and mark your paydays on your calendar ahead of time to remind yourself to pay those bills!  I started doing this almost a year ago and my credit score is now 740.  I started at 640!  Every time you want to buy something unneccessary and charge it, just think about how much better off you'll be if you maybe wait a while until you can afford to pay cash for that same item.
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.
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
219115
Sorry to say there are no "magic bullets" you can use to quickly fix your credit score.\n\nFirst step is to understand exactly how your credit score is put together.  Go to www.myfido.com and readup!  These are the folks who wrote and licensed the scoring system used by the credit agencies.\n\nNext, you need to start cleaning up your credit report.  You can get a free copy from www.annualcreditreport.com.\n\nNow you gotta fix it by removing negative entries, deleting inaccurate information, and challenging records that may be old and outdated.\n\nBelow is my "warchest" of informational sites that will instruct you how to go about it.  It also contains some sample letters to send to credit agencies, creditors, and (if necessary) government agencies.\n\nIf you need any help, advice, or encouragement contact me. I've helped a lot of people do this.
1060639
What do you consider really bad? I'm a loan officer and I see people with credit in the high 500s get approved on loans for homes. if it is below about 620 or so you will probably have to come up with a 20%+ down payment though. There are a lot of companys that can help you improve your credit scores DRASTICLY in about 6mo to a year. It costs a little though. Also be very careful of "consumer debt counseling" they help you pay off all your debt faster by getting the companies you owe money to to settle on a lower amount, or "charge off" the balance. a charge off is what happens when a collector just says screw it we're never getting paid. Consumer debt counseling gets rid of your bills, but damages your credit worse than a Bankruptcy because it takes longer to repair the damage. I would contact a local Mortgage broker and see if they can prequalify you for a home. If they can't, ask for a recomendation for a good credit repair agency in your area. good luck!
179481
I have actually been where you are.  I had very poor credit for years (FICO score under 600).  Today, I own a home and have a couple of 0% interest rate credit cards with high limits.  I wrote a detailed credit-repair guideline called, "When Good People Have Bad Credit." \n\nI'm providing a link below.  Good luck to you!
224192
5 steps to better credit\n\nCorrect blatant mistakes. Your credit score is only as good as what shows up in your credit report. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan. Changing a mistake on your report - such as a payment that is wrongly labeled as late -- can take 30 days to three months, sometimes longer.\n\nPay your bills on time. This is always a good practice, and it's especially critical that you make prompt payments close to the time you need a loan. That's because a late or missed payment in the last few months is likely to lower your score much more than an isolated late payment five years ago.\n\nReduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit. Generally, it's good to keep your balances at or below 25 percent of your credit card limit, said Jeanne Kelly, founder of The Kelly Group in Brookfield, Conn., which helps clients improve their credit scores.\n\n\n--------------------------------------------------------------------------------\nTry CNN/Money's new Debt Reduction Planner for help wiping out credit-card balances.\n\n\n--------------------------------------------------------------------------------\n\n\nPay off debt rather than moving it around. Since the ratio of your credit card balance to your credit limit is key, closing out an account and transferring the balance simply means you increase that ratio, which is likely to lower your score. In other words, say you owe a total of $2,000 on four credit cards, each of which has a $2,000 limit. Your total credit limit is $8,000, of which your total balance ($2,000) accounts for 25 percent. If you transfer all your balances to two cards and cancel the other two, your total credit limit is reduced to $4,000, and your $2,000 balance now accounts for 50 percent of that limit.\n\n    \n \n\nDon't close unused credit card accounts near loan time. If you have several credit card accounts but are only using a few of them, you'll only raise your balance-to-limit ratio if you close the unused ones. You also shouldn't open new accounts when applying for a loan if possible. If you have a short credit history or very few accounts, opening a new credit line may lower your score since you don't have a proven track record, said Jan Davis, an executive vice president at TransUnion. What's more, a new account will lower the average age of your accounts, another factor in your FICO score.