will my credit score go up?
957038
Yes but it may take sometime to repair the damage done.  Just stay current on your bills and your credit score will rise.  Alot of people do not realize that credit is easy to build.  1) Stay current on the bills you do have.  2) Get at least one no more than 3 secured credit cards.  They will show you are managing credit if managed properly.  3) Do not close your older accounts the age of the accounts really help your score.  4) Dispute any negative especially old negative accounts.  Do this only once per account becuase the Credit Bureaus do keep track of disputes.  Hope this helps and God Bless.
913330
Your credit can change minute by minute.  It all depends on when companies that you have accounts with report to the bureaus.  When the companies report, it changes not only your payment status, but outstanding balance in comparison to high credit limit, # of months reported, and how long the account has been opened,etc and all these will affect your credit score.\n\nAlso not all companies report monthly when you are in good standing, they may report less often, so that good history my not show as soon as payments are made.
303673
I bought a car 8 months ago.  I am paying OUTRAGEOUS interest.  I had to put a HUGE down payment on it. BUT my credit score has gone up 150 points in that short time because I am ahead in my payments and have never missed one.  So the moral is.  You have to open a credit line in which you will pay to much interest and then make the payments on time to prove credit worthiness and then you will get better credit.  I got a credit card two months ago and I have not missed a payment on that wither.
1092947
Yes, if the cards have a good history and low utility, they "will" raise your scores.\n\nThat's nice that your parents will do that for you. I would suggest that when you get the cards, hand them over to your parents. \n\nI wouldn't recommend that you be added as joint, unless you want to be held responsible for the debt that your parents have on those cards if something should happen to them.  Stay with being an AU.\n\nI would suggest that while those cards are upping your scores, learn how to deal with the baddies on your reports. Check out the site that I listed. It is a "free" do it yourself credit repair site.
1168835
Depends on how bad your credit is.  Generally speaking it takes a long time.  You need to remember that it probably took a long time to ruin or seriously hurt you credit in the first place.  So to companies it looks as though you are not good with money.  So like trust you need to earn back the preception that you are good with money.   I've seen credit scores go up as much as 60 points in a 6 month period.  I'd suggest that you get a credit report(you should get 1 free every year).  Then take a look at it and find anything that is no longer active and over seven years old that has a lot of negative marks and write to the credit agencies and have it removed.  If it's good, then you want to keep it.  Another thing you will want to do is make sure that you pay your bills on time.  When you do that you increase your credit score.  If you can you should pay off as much as possible.  There are other things that you can do as well, but sometimes it's a little drastic such as cutting up all credit cards and cancelling all of those accounts.  Sometimes, if you have a large influx of cash you can get a credit card company to make a deal (ie 70% of the  money to pay off the credit) if the account is closed and in collections.  Just depends on the situation.
1005024
Welcome to the latest credit card "gotcha".....it's call UNIVERSAL DEFAULT....screw up on one credit card, one loan, and have a low credit rating....at any time....and they find out....they can increase your interest rate.....get your statement from a couple of months ago and compare the interest rate to the current.....\n\n\nFirst, go to annualreport.com....pull your free credit report and pay the $8 or 9 bucks to get your fico score....if its above 620, you can call and argue.....if your history w/ them is good, you might have a shot.....BE POLITE......Tell them you are a great customer because you carry your balance and are never late....whatever...BE POLITE, but insistent.
12665
If someone asks you for money to increase your score, it is true that they are likely to be a thief, however, it is NOT TRUE that you cannot raise your score. Your credit score is primarily affected by a few things. First, any time that you make a late payment, even one that is only 30 days late, that will effect your score as much as 50 points the first month. It will climb slowly each month thereafter if you pay on time. So, don't ever pay late. Secondly, a large part of your score is determined by the ratio of credit used to credit available. If you have a $1,000 limit on your card, DO NOT leave a balance on that card of over $500. The lower your credit debt to credit limits, the better your score will be. Lastly, the longer you have credit, the better. Some people will cancel cards and accounts that are infrequently used. Don't do that! Leave them open. On the other hand, having too many credit accounts means you are a credit hog. Every time you apply for credit, your score will go down, for a few months.
327448
No but a credit score of less than 550 means you will have no chance getting a loan. Less than 620 will lead to you paying higher rates. 620 to 650 is average while above 650 is a very good score. Credit scores range from 375 to 900.\n\nYahoo! Finance offers a free credit score here.\n\nhttp://en.wikipedia.org/wiki/Credit_score
1033695
YES YOU CAN!!!\nOrder your credit reports, all 3, clean them up, and go apply!  Pay your bills on time, save money, and your score will go up up up.  If you get your score up, you can overcome anything.
150875
It sounds as if your FICO score has been decimated by your ex. A FICO score is a snapshot of your credit risk picture at a particular point in time. The higher your score, the lower the risk to lenders. A FICO score can range from 300 to 850. The very best rates go to people with scores above 770, but a score of 700 is considered good (the average score is somewhere around 725), says Craig Watts, Fair Isaac's spokesperson. If your score is in the low 600s or below, it's time for concern. As you fall below about 600, you will see an increase in your lending rates. \n\nThe first step to increasing your score is to know where you currently stand. By law everyone is entitled to a free copy once a year. Also, you are entitled to a copy of your credit file free if you have been denied credit from the bureau that reported the information. If you've been denied credit, you must apply for your file this within 60 days of the denial. Log on to http://www.annualcreditreport.com or call 1-877-322-8228.\n\nOne way to instantly up your FICO score is to be put on an account with another individual who has a good credit score. You only need to be an authorized user, NOT actually ever use or even have possesion of the credit card.Your name only has to be associated with the account. By "piggybacking" on an account with someone who has good credit, you instantly up your own. Conversely, being on an account with someone who has bad credit drags your score down (as you have found out!). \n\nGenerally, people with high FICO scores consistently:\n* Pay bills on time.\n* Keep balances low on credit cards and other revolving credit products.\n* Apply for and open new credit accounts only as needed.\n\nFICO scores consider five main kinds of credit information. Listed from most important to least important, these are:\n* Payment history.\n* Amount owed.\n* Length of credit history.\n* New credit.\n* Types of credit in use.\n\nTalk with your lenders about the circumstances around you/ your ex's late payments. You can request that certain data be taken off or amended on your report. They may or may not do it but it is worth a try if it improves your score.\n\nBTW, one thing a person should NEVER do as it ADVERSELY affects their FICO score is close accounts once they are paid off! That actually lowers your credit score. FICO scores take into account your debt to credit ratio: \n\nIf you have 3 credit cards with $1,000 limits on each and they were all maxed out your debt to credit ration would be 100% of your available line. If you paid of two of the cards in full your debt to credit ration would be 33% (you only owe $1,000 on $3,000 of available credit). If you closed the two accounts you paid off and had one card left maxed out at $1,000 you would instantly go back up to a 100% debt to credit ration. So, bottom line when you pay a card off- Never close the account, just cut the card up.\n\nHere is an article from SmartMoney.com on "Credit Fixes That Can Fix You"- http://www.smartmoney.com/debt/advice/index.cfm?story=creditfixes\n\nand "Keeping Score" about improving your FICO score- \nhttp://www.smartmoney.com/nowwhat/index.cfm?story=20020826
22406
There is no quick fix to imrpove your credit. Dont fall for any scam that says it will improve your credit score in a matter of weeks. The only way for credit to improve is to be responsible over a long period of time.\n\nIf you have records on your file such as public records, bankruptcies, they will stay on your record for several years. The best way to improve your credit will be to make sure you pay your credit card bills, mortagage payments, loans, in full every month and on time.\n\nIf you can't obtain credit cards because of your credit try a secured card. This is where you place a deposit into a savings account in the lender's bank which is used as collateral in case you default. Usually the deposit size will be your credit limit size.
852326
To the best of my knowledge creditors only report every quarter. I get quarterly reports and I've had my score go up as much as 8 points within a three month period.
13537
If you get a personal loan from a local bank and make your payments on time your credit score would go up over time.  If you already have bad credit consider a secured loan (requires collateral of some sort).  However, the positive factors from this loan would take some time (6 months to a year) to actually improve your credit score.  If you are just thinking of getting a loan for quick improvement then do not do it, as getting a personal loan right before applying for a home loan might show that you are over extended.
388468
They count 7 years from last activity.\n\nBut, just so you know things like minimizing inquires will raise your credit score, closing any unused accounts, and minimizing balances owed will raise your score.  I had bad credit a long time ago  By the time 5 years came up my      credit score raised up from other factors to a point that those negative marks on my credit didn't weigh as heavy.. I was able to buy a house with a 590 credit score so, you still have hope.
22385
If you pay your credit cards to an amount equal to or below 35% of the card limit you will see a score increase. I suggest this to all my mortgage customers when they need to tweak their credit scores to get a mortgage.
978354
Your credit score won't be affected unless you make late payments.  You're okay.\n\nGood Luck!
892107
It may or may not hurt you.  Perhaps you might want to start getting your credit score up with simple things like a credit card that you bank the money in first.  Make it a small balance, use it and pay it off every month.