How long to improve credit score? My husband and I are trying to purchase a house. He has a decent salary and we can afford it. I pulled our credit yesterday to see that his credit score is a 585?! We have had all of our major debt paid off for 12 months now. There is one credit card with a nearly maxed out balance (but still only $1000) and a medical bill in collection for $60. Our new plan is to pay down the credit card to $300 over the next two or three months and take care of the $60 debt. How long will it take for his score to improve? We'd like to wait for it to get better before we apply for a loan. Any other credit score raising tips would be appreciated!

What is the best way to improve credit score if I have no credit? I am debt free and have been since my bankruptcy over 12 years ago. I recently looked into getting a mortgage, but was told I can't get one because my credit score is too low. I went on freecreditreport.com and got a copy and there are some things on there that are not identified, and I don't know what they are. So, how do I have those removed? I am assuming that will improve my credit score so I can get a mortgage. Advice is appreciated!

how long to improve credit score to 760 or above? My credit score is 662. I have around $7,000 in credit card debt, which can be paid in 5-6 months. My husband's car will be paid off in a couple of months. I just purchased an used Audi, which will be our only debt. How long will it take to improve my score to 760 or above in order to buy a house in March?

help me make payments to improve credit score what should i do? ok so i have 3200 debt on a cc with credit limit of 6000. an other cc with balance of 160 and credit limit of 300. and other with 1300 and a credit limit of 1500. i have 1500 cash right now how should i devide the payments... please help me but the whole purpose is to improve my credit score.

Should i have a credit card and pay promptly to improve credit score? My spouse has a credit card in her name and we both are paying it promptly , i was wondering if i need to have one on my own to improve my credit score !! any thoughts?

Best way to pay off credit cards to improve credit score? As a college student, I've racked up some credit card debt. I have never missed a payment, and have always paid at least $5-10 over the minimum amount. My grandfather recently passed away and he left me quite a large sum of money. What would be the best way to pay off these credit cards? Should I pay half one month, and then half the second month? The goal here is to a) settle my credit card debt, and b) improve my credit score. The inheritance money will be released to me monthly until the amount expires (around $500 a month for the next 10 years). Any guidance/suggestions are greatly appreciated.

does paying a credit card in advance improve credit score? I have a 9,000 debt on my cc and I send in about double of what the minimum payment is. My current credit score is 705 and Im 21. I want to improve the score since my credit used to be 725. so will paying in advance INCREASE MY CREdit score?

cancel credit card or keep it open to improve credit score? I am about to finish paying of my high interest credit card. I have had the account open for 10 years. I know the longer you have had it open, the better, but if I am not using it anymore,should I still keep it open (with a no balance and lower available credit) or just cancel it all together? Which would improve my credit score the most?

i just got my credit card and how do i improve my credit score to buy a motorcycle? i just got this credit card like one week ago and it has a $500.00 limit and i would like to know whats the best to way to improve credit score and how long does it take?

How soon will my credit score improve after my debt is paid off? I am selling my house (it was an investment property that I am flipping) and using the proceeds to pay off credit card debt that I have incurred while redoing the home. After the house is sold all my cards will be paid off and the only things I will have to make payments on are my car and student loan. I was wondering how long it will take the credit card companies to notify the credit report of their zero balance status? Can I ask the credit card companies to report the paid off status to my credit report immediately? Also should I close most of these cards or close them? How should I decide which credit cards to close and which to keep open to keep a high credit score? ( I have never had a 30 day late on any of my cards) I want to do whatever I can to improve my credit score the most.

How do you improve your credit score if you have poor credit and new accounts? I have alot of derogatory items on my credit that I actually need to take care of. I have opened some new credit card accounts since I have never had credit cards before. What is the best way to improve my score so that I am not such a high risk?

Are there better ways to improve your credit score besides a secured credit card? I'm trying to improve my credit score(530) and am going to get a Bank of America secured credit card. It has a $29 annual fee and a 20% APR. Is there another proactive way to dramatically improve my score without having to face such high interest rates? btw, I havw already dealt with my bad credit past. I'm looking for things to build my credit, not fix it. thanks!

Will cancelling my credit card improve my credit score? I have 2 credit cards. And I have student loans from the government, and a student line of credit. I have a poor credit score and I want to improve it. Will cancelling one of my credit cards improve my score (after I have payed off the balance of course) ?

what is the best way to improve my fico score? without contracting a professional credit consolidator.? I need to improve my credit score. I only have 2,000 in credit card bills. I alway pay my mortgage on time. I do forget to pay the little bills. I need to improve my score. I plan to pay off my credit cards by December. What is the best way? Thank you for your time.

My credit score is 550. How can I improve my score without going further into debt? My credit score is poor at 550 level. I don't have any credit cards now, but how can I raise my score?? I have student loans on my credit report, but payments are deferred till I finished college. I have some collections items on my credit report, and was wondering if paying them now will improve my credit score. Frustrated SSN bearer.

Any way to improve credit score w/out applying for a credit card?? I just very recently paid of all my credit card debt and I have been told to improve my credit I should get another credit card and pay on time (obviously) but I have been denied. Is there anyway I can improve my credit score without getting another credit card? and how long will it take for me to be approved for a credit card again? and how bad is my score if I wasnt approved for a credit card? :( I appreciate everyone;s responses but my problem is that b/c my accounts went into collections the credit card compnaies closed my accounts. so I am starting over... that is my delimma.Thanks

Will paying off the only three inquiries on my credit improve my score? No one seemed to understand the question I asked earlier so Im going to ask it differntly. I only have three bad debits on my credit reports and it's as follows. Hi, I just checked my credit score, and it ranged from 480-510 on all three reports. The only unpaid items are as followed. Verizon $88.00 Verizon $204 Medical Collection $123.00 My credit score ranges from 479-512 Am I even improving my score by paying those off?

While settling credit card debt for less than amount owed, how else can I improve my credit score? My credit reports tell me I can improve my score by paying down my debt (which is happening slowly) but give little other advice. Also, my credit reports state that some of the debt will drop off in 2011, so should I settle or wait until then?

How soon will my credit score improve after bankruptcy? HOw many of you filed bankruptcy adn then soon after got a checking account back and also a credit card? Well this is what I did but I stil have an auto loan current ther were some late payments from about 6 mos ago and Im wondering how this will improve or hurt my future credit? How soon after the discharge before you shoudl check your score even with good standing accounts?

Does credit line increase improve your credit score? I just paid off my credit balance. If I request credit line increase will it improve my score?

How long after paying off collections will it take to improve my credit score? I wish someone would have told me when I was younger all the things that would affect my credit score, and how important that is!!! So here's my story...I moved out of an apartment before my lease expired, and I was charged aproximately $5k, which was rent for the remainder of my lease. I didn't pay it, so it went to collections and was reported to all 3 bureau's. In addition to that, I had about $2k more debt (medical) that also went to collections. I recently took out an auto loan (against a truck I already own) to pay off this debt, plus some other expenses that came up without warning. So, how long will it take for my credit score to improve now that my debts are settled? I have 3 credit cards that are paid on time (in full) every month, and my auto loan will be paid on time every month. The only other credit history I have is an auto loan that is paid in full (all payments were made on time). Currently my credit score is 545, I would like to see it in the 600's ASAP!

How much does a credit score improve after bankruptcy falls off a credit report? We are hoping that our credit score has improved greatly now that the bankruptcy is off (it was a long 10 years) and we haven't acquired much debt.

Trying to build good credit history, improve credit score? I'm a foreigner and don't really have credit history in the US. I have a checking/saving account (for a few years now), cell phone. Have not been delinquent with payments. My credit score is low 500/not existant (depending on what company runs my credit report). How do I get it to go higher?

If I was to pay off all my credit, will my credit score improve? If it does improve, by how much? Also, if I've been paying everything on time and continue to, does that make a difference on my credit score?

What is a good credit score and how to improve it? Sorry, multiple part question: What is the highest credit score possible and what is the lowest possible? What can you do to improve it? And the myth that using your ATM Debit card as credit can actually improve your credit score, is it true?

whats the best/fastest way to improve credit score? can someone please tell me the best way to fix a bad credit score. (i live in the UK by the way) I'v sorted out my finances now and paid off all my debts but i'm constantly being refused credit cos of my past. I'v had no ccj's, only missed payments.

How can I improve my credit score quickly? I have a 479 credit score. It sucks. I can't do anything I want with my life to really improve a lot of things. How can I improve this quickly? Oh, I am 26 yrs. old....

What are the quickiest way to improve your credit score? I know that a negative mark on your credit report takes over 7 years to remove, but how can one improve their credit score in hopes to get a school loan, car loan, home loan, and business loans in the future.

Is it true, consolidate my student loan will improve my credit score? I read some place that consolidate my federal student loan will improve my credit score? I don't know if that would apply to me, since I already have high score (like 720 something) I don't really need to lower my monthly payment or anything like that. In fact, I would pay it off with in 18 months. But if consolidate the loan will really improve my credit a lot. I might actually interested, since I am planning to get a mortgage sometime in the next 2 years. What you guys think?

how fast does your credit score improve after paying off credit cards? I have a good payment history with all my credit lines but I have a lot of revolving credit card debt. I plan on paying them all down to less than 25% balances in the next 3 months. My credit score is now in the low 600's. If you have been in a similar situation how long did it take for you score to come back up to good level (ex. 700+) and any other tricks you used to improve it quickly. thanks

Which of the 3 ways to improve your credit score? My brother's credit card score is a "C" no past due amounts, but he owns his own business and all the credit cards are very close to the max amount owing. Even though he pays every month on time, the interest rate went very high because of the debt to income ratio. So would it be better to try and get all the credit cards balance owing less than 50% of the total credit available or pay off the higher interest rate card first or the debt-snowball method. What would be the best for start getting approved for low interest credit cards? For years he had credit cards to run his business with low interest rates, but as soon as his balance owing got close to the maxium amount of credit available, his interest rate went sky high. I have been told to pay off the higher interest rate card first, but then other people told me to tell my brother to get all the credit cards below 50% of the total amount of credit available to improve his credit card score.

We are trying to buy a home w/ credit score of 557..... Best way to improve credit quick? We plan on putting 40,000 down in a house priced at 165000. We also have an extra 20000 cash. We currently have 3,400 in credit card debt on a 4000 limit. Is it better to pay the debt down, or keep the money in the bank with respects to improving our credit score.

what are some easy ways to improve your credit score? I have never really bought anything but my credit score is low. This prevents me from being approved for things. How can I improve my credit without the help of a cosiner?

How can you improve your credit score? If you buy a prepaid debit card, and pay your bills with that card, does that improve your credit score?

How fast does a credit score improve? Let's say my credit score is 580, and the only thing wrong with it is too much "credit utilization", i.e. my total credit limit is 5000 and I am using up 5000 (100%), but all accounts are current and I haven't missed a payment for over two years. If I paid the entire 5000 today, will my credit score be much improved by tomorrow? Next week? Next month? How soon will I see significant changes?

How do you improve your credit score without income? I stay at home with my kids and do not have an income - but I'd like to improve my credit score.... any ideas?

How can i improve my credit score? My credit score isn't real good right now because I made a bad decision, but what can i do to improve it?

Is it true that you can purchase credit to improve your credit score? I heard of a website CREDIT SECRETS BIBLE that has a book explaning alot of different ways to improve your credit score within a few months. But im not sure if its real or not. Plz help!!!!

Will moving credit from my credit cards to my Home Equity improve my credit score? I have 40,000 in Credit Card debt. I own my house outright. If I get a Home Equity Loan and move this credit from my cards to the HELOC will it improve my credit score or will it basically stay the same?

credit cards, what percentage of credit to use to improve credit score? i've heard 50% is a good max, in order to boost credit score; what about 30%, 25%? does it boost even higher, or is it just anything below 50% is about the same, and over 50% is bad?

which is better to improve credit score? I have about $9000 in debt. In the last year I had to make alot of my payments late because money was tight, so my credit rating plummeted. I have a lump sum of $16000 coming in a month & will pay off my balances. Which option will improve my credit score the best - 1) Pay them all off in one flailing swoop 2) Take 4-6 months to make payments consistently to pay them off+

I have 1 clean credit card & 1 with a balance pd. on for 5 yrs. Will tranfer to3rd card improve credit score? Idea is to tranfer the balance to a 3rd card with no interest for 6 months and get the card paid off in that time frame. I have heard that the more cards you have the lower your credit score. Will this strategy hurt more than it helps? Where can I learn how to improve my credit score?

How do I improve my credit score? I just checked my credit score - it is (embarrassingly) in the high 500s. Yes, it sucks. There's nothing really terrible on my credit report - no bankruptcy, no collections. I was late 30-60 days a few times, but that was back in 2003. Everything has been current and paid on time since then. I believe the thing that is lowering my score is my credit usage/utilization - almost 100%. I have about 5K in CC debt on 3 CCs. Now that I can afford to pay this off slowly, would it be better for me to pay off one CC at a time or a little off each one, gradually paying all 3 off? Does it make a difference? I don't think there's really much more I can do to improve my credit score except to pay off this balance and increase my available credit. Would it help to get a secured card with a high credit limit (which would increase my available credit)??? Help me please.

Do refinance improve credit history? and credit score? Hi guys.. i had a autoloan for $15000 i paid $5000 and refinanced it with another financial institue for lesser APR. my credit report right now shows my old account as fully paid. and the new account with the refinanced amount. Does the closed old account $15000 add to my credit score and does it improve my credit score? becoz i repaid the whole amount. does it work in that way? any body to help me?

How can I improve my credit score of 685? I have a credit score of 685. It's pretty good but I would like to improve it. I have a mortgage and a home equity-line of credit that are both payed on time and in good standing. I have 2 Credit cards and 7 store charge cards. The oldest Credit card is only 3 years old. The store charge cards are older. i don't use them to often but do not want to close them becasue they are my oldest accounts. I have some old/closed CC cards that had some late payments. I also had a collection from an unpaid ticket. That collection was paid off 2 years ago. Any tips on what to change: like closing accounts, moving balances around, asking for credit card limit increases?? The most damaging item is that collection. It was payed off in full when I finally learned about it. Can I get the collection agency to remove it or somehow make it look better.???

Will paying off my car lease improve my credit score? (I have 2+ years left)? (I have a 3 year lease, I am in my 3rd month,) If i pay off the entire lease now, will my credit score improve? Or will paying on time every month help improve my score? Or does it matter as long as i pay it off?

Can I use my phone account to improve my credit score? I have had my AT&T wireless phone account for almost 5 years and I was never late in my payments. Is there a way to get this shown on my credit report to improve my credit score? I heard that it is possible, but when I called AT&T, they said they don't do that. Any ideas or suggestions? Thanks!

How improve my credit score? I have a credit scroe of 532, when i first ordered my credit report, i had my college which is deferred until i finish school, and three collection accounts, i cleared one up because it did not belong to me, then the other one i payed it and it came off my account, and the third one i am paying it off in january. How can i improve my credit score? I did try to get a gas card but it got denied, I do not think i can open any kidns of credit cards or anything it get denied... What are ways to improve my score? Also i live by by myself with my sister.

What is the best way to improve my Credit Score within a year for a car loan?? I purchased a new car with a loan it was then totaled then payed off. I got another car loan by then my credit score took a hit with dealerships running my credit 30 times! I have plans to trade it in as I am not happy at the end of this yr. What is the best way to improve my credit score in a year so I can get the best loan rate possible??

I have a credit score of 519 and want to improve my score... How? After my dad died (he paid my credit cards every other month) I spent two years trying to pay them off myself. I cancelled them immediately even though I had a balance, but I finally have them paid off (after going months without being able to pay any of them because of other financial situations). Now my credit score is 519, I have no credit cards and need to improve my credit score somehow. Financially, I am better off so I could get another credit card and keep the balance low, but I dont know anyone who would let me sign up for another card! Please Help!

What can someone with B credit do to improve my credit score each month besides paying bills ontime each month What else can someone do to improve their score each month. Use a credit card and pay it off when the bill comes or pay half now and the rest later. What can I do? IM watching my credit and paying bills on time and all that I just don't have a long credit history. Any information will help. There has to be something that I can do change my FICO.

Does credit score improve if the collection debt is paid off.? I recently reviewed my credit report and found that i had a collectionfor a medical bill of $265. I have since paid that amount in full. Please advise if my credit score will improve at all and if so how long will it take to improve. Thanks

Tips/ Tricks or simply myths Do you have suggestion on how to improve credit/ score? I heard if you pay the collection agencies a dollar they cannot report you to the credit bureau, is this true? I heard you should dispute everthing at least once , it just might get deleted. I should ask anyone I pay a bill to to report to the credit bureau if in good standing. I heard not having any inquiries raises your credit score? Can you talk to someone directly at the credit bureau about your score and possibly rasing it when you have paid off debt? Is your profession figured into your creidt score in any way ex being a doc vs, nurses aid?

if my name is added to a house will my credit score improve? I have bad credit and I wanted to know if my mother adds me to her house will my credit score improve also would my bad credit affect her monthly payments if she adds me

When you pay a collection and it shows up as paid, does your credit score improve? When you pay a collection and it shows up as paid, does your credit score improve? I have 2 accounts for collections both paid one for $108, which brought my crdit score down 60 points and an old one from 3 yrs ago which was for $22, the $22 wil be removed, and the other one will be shown as paid. my credit score at the moment is now 620 it fell from 680 because of the $108 account collection. Thanks

How to improve my credit score if I have poor credit? I need some Real Expert Advice Please!! I would like that people that are not sure or really are not experts in this area to Do not Post an answer...Thank you. This is my situation: I have a 498 credit score. My debt is the following 10,000 (car loan); 6,000 (student loan), Espress Credit card (260) and Bank credit card (360) I 've had difficult times last year because I lost my job and other things in between. My car loan with the bank became in default for 3 months and I just pay it just enough to do not get the car repossesed. My Espress credit card became 5 months due and my bank Crdeit car 3 months due. I kept these loans in default for probably 8 months or around that. Those balances I showed it at the begining are the ones until now. Now I am up to date on my payments but my credit score is 498 and I need to improve it. It is very important for me tu improve my credit score in order to be able to rent an apartment, or even buy a house in the future. What can I do?

will my credit score improve? my score is not that good right now. i am planning on purchasing a home, do you think that by january my credit score improves if i make all my payments on time? or maybe if i pay off what i owe before getting a mortgage loan? ALSO... is it possible to pay off my car with my mortgage loan,, you know include my car in there... so i just have to make one payment.... do i make sense?

How to improve bad credit score? My credit score is currently at (570), and has been for about 3 years now. Most of my debt is from Hospital stays and the doctors who saw me during my stay. I had no health insurance at the time because I barely made enough money to survive. I have also had a friend whom I shared an apartment with steal my identity and sign up for credit cards and use them as her own while she went traveling across the country. Up until about a year ago when I went to apply for a loan so I could get a new car I didn't even know these credit cards existed. Apparently I am in about $10,000 worth of debt. My boyfriend and I are moving to TAMPA FL next year and I will need to get my credit score up a little higher if I want to be able to rent an apartment. I make about $1000 a month, $250 of it goes to other bills and I'd say about $500 goes to other living expenses. About $200 a month right now is going towards saving for a car that I need desperately in order to get back and forth to work. I basically have $150 a month to spare as of right now. My dilemma is that I am willing to work with the collection agencies that keep bugging me on a daily basis but all of them seem to want my bills paid in full. Out of the 3 hospital bills $1800, $24000, and $2300 I don't know how I can possibly pay them all off at one time. My question is should I start paying off the $200-$500 bills (My Ex-Friends) debt or should I worry about paying the big bills off first? I making my student loan payments on time which is helping out tremendously, but I am just so confused about how improve my credit score within the next year or so before I move. What is the credit score most landlords find acceptable now adays and what about car dealerships? If I can save $150 a month towards my debt for the time being will it be worth it eventually?

Is this website a fake? "Improve My Credit Score In 24 Hours?!!"? This Website promises to give you information that will raise your credit score in a couple of hours or in 1 day. have any of you all used this? As a Credit Repair Specialist I see many people who don't know they can improve their credit score in 24 hours or less, but they can. Only recently with breakthroughs in modern technology has it become possible to improve your credit score in 24 hours. I've been able to help clients change their credit rating in as little as 24 hours and save thousands...some clients have even raised credit scores in as little as 2 hours. In the middle of one of my own real estate investment deals recently I was able to raise my credit score from 618 points to 650 points in one day! I've found at least 3 techniques that could help you do the same thing! Look At How Quickly I Raised My Credit Scores: Credit Bureaus Before After Notes Experian 610 points 641 points 1 day! Equifax 618 points 650 points 1 day! TransUnion 585 points 626 points 1 week

Do credit cards improve your credit score? Im trying to improve my credit score, (which is in the medium poor range), I just opened an unsecured credit card with a small credit limit, (300$), I was thinking of opening another small acount, Would opening an additional small account and keeping both accounts in good standing improve my credit score more or less than just maintaining the one account that I have opened?

how long will it take for my husbands credit score to improve? his score is 547 he has one credit card and he has had it for 7 months, he's missed a couple of payments and went over the limit once but for the past few months we've been paying it on time and paying well over the minimum payment. he owed money to a collection agency but just paid it off today. we want to buy a house and are wondering what we need to do and how long it will take to improve our credit. thanks

How can I improve my credit score? i dont have any debt.My credit score was bad because i had debt of 800$ for a year.I have paid off totally and now i am free of debt.My total creidt limit is 1100$.Now since 3 months I am not using any credits.Now I have enough money,How can I improve my credit history?Is there any agencies where can i fiund guidance to improve my credit score.Thanks

How can I improve my credit score? I have two credit cards and I have a student loan. I have had them less than six months. I have been making on time payments in full. So, every month my credit card balances have been zero and my student loan payments have been on time. I know I have fair credit, and it would have been higher but I applied for several credit cards before getting the two I have now. I will have one payment ( about 30 days) on my record. But it will be paid off in full. So, are there any other ways that I can improve my credit score besides paying my bills on time (already do except for that one month) and going onto someone elses credit card (impossible for me).

Improve my Credit Score? Need info on how to improve my credit score

How To Improve My Credit Score Quickly? Hi, everyone. I have a few questions (ooooh I'm cheating, lol) that relate to one big question. Basically, I need/want to improve my credit score by 100 points. How can I do that? Does it take a while after you've paid a creditor for it to get removed off your credit report? How long? Where can I get a free credit report? Anything you can tell me would be greatly appreciated. Thank you.

How can I improve my credit score while currently in chapter 13 (3 years 2 go)? recently filed chapter 13 7 mos ago i got first credit card in 6 mos my credit score 550 , how long does it take to improve my credit score

how do i improve my credit score? i would like to know the quickest way to improve a credit score. mine has been around 590 for about 4 years now. i had issues before this with credit, but it is good now. i have a mortgage, 2 cars, 3 credit cards, and a personal loan with no late payments. the credit cards are only about 25% charged on and the car and personal loan is almost paid off. i have a low income to debt ratio, about 35%. any answers would be appreciated.

How do I improve my credit score? I applied for a credit card a few days ago and I got a notice of rejection, it did state that I did not score high enough so I went to experian.com and pulled a credit check. My score said good and the number was about 715 (im 21 yrs old) and pretty mch only have school loan debt. Anyway I can improve this?

When trying to improve your credit score, what counts more, zero balance or 10% balance of credit limit? I'm selling my home and building a new one. God willing, I'll make some profit, and with this profit, I want to improve my credit score as best I can. I know this: don't close or open new accounts and don't pay late. If I have limited funds to pay credit cards, should I pay off the most I can or should I pay off those cards that I've had the longest?

Will paying off old medical bills improve my credit score? I have been really working to improve my credit score, I have 5 revolving credit cards in my name, only 3 have balances (only like 300 on each left) a 2000 loan out, and 2 car notes (one paid off) but i have like 6 old medical hospital bills on my report. the highest only being like 1030. should i leave these alone since there about 6 years old or try and pay them off? i need to know 100% if this will raise my score or just look better.. i have alot going credit wise now, so i dont know if messing with stuff 6 years ago is even worth it..thanks for your help..also how many points does it dock your score my pulling a report? you idiot, i was in high school and didnt have insurance and at 16 you dont know how or when to pay bills like that..so they have been on there since..im not a dead beat i handle my biz..why do some people have to get on here just to be a smart @$$?

How can you improve your credit score QUICK?? my credit score is 597.... i guess that really sux. I need to improve it, i want to buy a house so I can finally move out of my parents! HELP! how do i do this quickly?

How to improve Credit Score? I got my first credit card in my name using my cousin as his credit histroy was good.I give all my detalis to that bank when they issued credit card in my name .I did paid all the due on that credit card.I don't have any due balance .But recently my cousin defaulted his due .I have another credit card from diffrent bank and I have been paying all the dues in time.But every month when I check my credit score it keeps on going down.I am worried about my credit score .Is it due to default on his part is making my credit score going down ?.Is there better way to improve my credit score ?

does writing checks help improve your credit score? For instance, i pay my bills online through bill payer, but would writing checks improve my credit score/establish a better credit history?

How long does it take to improve your credit score? How long does it take to improve you credit score if you and paying a little over minimum each month and on time?Do credit scores really improve or get worse every three months?

2 2

how i can improve my credit score? i am doing job full time, i applied for loan but they says my credit score is not good, i've never been a defaulter, no bill is pending nor any other credit objection or criminal convictions against me, can some one help me to improve my rating, i am in desperate need of loan