what is the best way to raise your credit score?

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1. Pay a significant portion of your debt off. Do this by paying more than the minimum each month with credit cards, and pay all of your utilities, rent, insurance, and car payments on time.
2. First... request a copy of your credit report from each of the three major credit bureaus. Make sure everything on there is accurate and dispute anything that isnt. After that, you need to close any credit card accounts that you haven't used in awhile. Having too many open accounts, even if they have a zero balance, still looks bad. Once that's all done... the best way to increase your credit is to make payments on time, keep balances low, and payoff anything you can. If you don't have any debt, you can increase your credit rating by getting some type of loan (car, credit card, personal loan) and making the payments on time. Paying such things off early helps a lot too. Don't let yourself miss even one payment, as that will negatively affect your rating. Other than that... if there's bad stuff on there, it's going to be there for the next seven years. Until it's all gone, your score still won't be great. I will tell you that it's worth it though... I had bad credit (thanks to divorcing my lousy ex) for most of my adult life... and finally in the last few years, it's become really good (since I'm no longer paying for HIS mistakes). Sure makes life a lot easier!
3. Depends on your open credit etc. The fastest way is to do a balance transfer or consolidation loan. If you have 7 credit cards maxed out, bring all down to 0 with a transfer or consolidation loan. The 0 balances will add tremendous points but the new loan will do little to hurt you. We did this for our last mortgage. Went from a 640 to a 716 in 3 weeks. You have to let the lenders report. Then it hits. You can read more at http://www.creditrepaircenter.us and the site is free so don't worry. Quite a few articles on there as well. What ever you do don't pay off collections without getting it removed in writing prior. That is your only hope.
4. 3 important things: 1. Pay off debt. 2. Delete negative items 3. Build new credit Here is a excellent source of information...... There is a free credit repair kit and loads of other information on this CONTENT BASED WEBSITE: http://www.expert-credit-advice.com/free_credit_repair.htm IGNORE THE ADS, just read and use the free information......
5. pay your bills on time: Credit Score Explained http://www.debt-loan-refinance-mortgage-credit.com/category/Credit-Score-Myths-Explained.html