How do I raise my credit score fast and without paying some company to erase stuff off my report?

Basic but effective tequniques or tricks if you know them.

Public Comments

1. Watch the show called "Suze Orman" and you will find out.
2. I am unaware of any way, legal or not, to raise your credit score quickly, and anybody who claims to be able to erase unfavorable info from your report is either a liar, a criminal, or both.
3. 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.