Need some tips to raise credit score.?

A series of events led me to file for bankruptcy 2 years ago. Since then, I've been trying like crazy to re-build my credit. I currently have 4 credit cards that were recently opened (within the last 6 months) and have been paying on them on time every month. I have not missed a single payment and even make double payments. My credit score has gone from 460 -610 in the last year. My question is, is there anyway I can get my score to go up faster? I only have one account in collections, a medical bill that was not discharged in my bankruptcy. Also, one of my credit reports stated that I had too many inquiries on my report and that caused my score to go down. How do I fix that?

Public Comments

1. a car is a miracle worker when it comes to rebuilding credit. get a car with a high rate, pay it for 6 months, and then get a new loan for the car at a lower rate, after your score goes up another 60-75 points.
2. you must pay all your bills the minute they come, and you must send it in EXPRESS mail 0-1 days
3. Stop applying for everthing. Make all payments on time. Keep balances at 30% on the limit. Open Secured credit lines (like a credit card, but has an account attached to it) If you know someone with good credit have them add you as an authorized user to an account. You will get credit for the standing on thier account.
4. you can't make your credit score go up faster. your doing the right thing by paying the credit cards you have now. everytime someone inquire about your credit your score will go down. the best thing i can tell you is this, keep paying your credit cards. when your cards get down to a small amount charge again and keep paying. the more you charge and keep paying on time then your credit score will keep going up. give it 6 months to a year and check your score again. I hope i helped you. good luck.
5. Ouch! Having applied and obtained four credit cards, you caused those four inquiries on your credit report. You can't make them go away, you will unfortunately, have to wait them out until they fall off on their own, usually a year or two. An increase from 460 to 610 is truly good, and at that rate, you really don't need to be pushing a more rapid increase, plus there's really nothing you can do except continue to pay those credit cards and make your payments on your debts/loans/etc. on-time. If you have the ability to pay off the account you have in collections, so that it's no longer in collections, that will help. You may not want to hear this, but you should probably close one of your credit cards. One ding that you may have against you is too much open revolving credit. If you see that on a report, the credit cards are at fault. It's also not a good sign that you obtained 4 credit cards in the space of 6 months, but that's less an "official" computation that a warning flad to a human who may be reviewing it visually. If you have student loans, continue to pay them. Car note, house note, just keep paying. You sound like you're doing fine, so just keep doing what you're doing. Don't open any more lines of credit, and you'll be OK. Avoid actions that will cause inquiries on your credit report if you can; ask if you're not sure. For example, things that could require a credit check: starting cable service, getting cell phone service, installing a security monitoring system, hiring an exterminator on contract, leasing a car, buying a home, renting an apartment, etc etc etc. Anything that would cause you to potentially be indebted to someone else contractually. Good luck!
6. go to a jewlery store, buy a $90 necklace (or something like that) and make your payments ON TIME every month and have it paid off within five months. This will do wonders to your credit
7. Time is the greatest healer. The longer you pay your bills on time, the higher your credit score will be. But keep in mind the BK will be on your credit report for 7 years. Don't open any more accounts. 4 is plenty. Do not apply for any more credit...that shows up as an inquiry. Keep the balances on your current credit cards reasonable. Don't max out any accounts. Pay more than the minimum. If you buy a car or a home, get rid of 1 or 2 of the cards. Pay off the account in collection and the medical bill asap. Keep paying and your score will go up. One piece of good news, the average credit score in the us is 680 and once you hit 650 you are no longer considered a sub-prime borrower. You are making excellent progress. Good luck :)
8. There is some useful advice here.