Help With Credit Score - How Do I Raise MY CREDIT SCORE?

How Do I Raise MY CREDIT SCORE?

I HAVE LOW CEDIT NOT BAD CREDIT, ARE THEIR ANY WAYS TO FIX THIS IF I TOOK OUT LOANS AND PAID THEM BACK WOULD THAT HELP IS IT ILLEGAL??? WILL IT WORK ORCAUSE PROBLEMS??? I MEAN TAKE A LOAN AND PAY IT BACK?? DONT SPEND THE INTREST AND MAYBE ADD SOME $$$ CAN I DO THIS MORE THAN ONCE??? WILL IT MAKE A DIIRENCE??

Public Comments

You can apply for any Credit card . Some of them doesn't have any interest for a year or any annual fee. Use them and always pay on time, never late. That will raise your credit score. Try "Chase". I never had a problem with them.
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K.G., Hey, I can help you. What would help would be to know what makes up your score. 1. Payment history-35% 2. Total debt owed vs. available credit-30% 3. Length of time establishing credit-15% 4. Types of credit established-10% 5. Inquiries and new accounts-10% Ok, with that said, this is what I suggest you do. If you haven't already, open a checking and savings account at a major bank or credit union. While this won't directly raise your score, it helps being an account holder at a bank in order to make it easier to get loans and credit cards, especially secured credit cards. Secured credit cards are easier to get than regular cards because you place a deposit upfront as collateral in order to establish a credit line. You have to pay back what's charged just like a credit card when the statement comes in every month. By you putting up the deposit, your chances are much higher than if you applied for a regular card. Also, you have more control over the credit line because you can increase it by simply adding to the deposit periodically, which helps your credit because it not only shows reponsibility with high limits but also it creates a cushion between the total amount of debt you owe altogether and the amount of available credit that you have. A good way to use the card would be to treat it as if it only had a $50 credit limit at ALL times. Spend no more than $20 or so a month to where you can pay it off or the minimum payment pays it off or leaves a little balance like $5 or $6. This way you can build credit by showing activity but not going into debt in the process. Also, it helps to increase your limit every month, but don't spend it. Remember, you want a high limit, but a low or a 0 balance. Usually after a year of paying on time increasing the limit, and keeping the balance pretty mcuh paid off, the card either converts to a regular card or a better card is offered, and most importantly, deposit is no longer needed and is given back to you. So not only you've built some credit, but you've custom built a decent limit credit card and saved up some money in the process. I took the liberty to post some links of some secured cards that should help out. Now you were mentioning taking out loans, be careful about this, as you don't want to get yourself in debt when you don't have to. There's 2 types of credit, which are credit cards, which I mentioned earlier, and installment credit which would be the loans that you're trying to take out. What I would suggest would be to go the secured credit card route first, then with the deposit money from the secured card after it converts, take out a "secured loan" using the secured card deposit money as collateral for that loan. This way if you have collateral it improves your chances for getting the loan. Then if you're approved for the loan, take the money you'd get from the loan and either place it in a savings account or open up a time deposit (CD) account that's shorter than the length of the loan. For example if your loan was for a year, open up a 6 or 9 month CD. You want to make sure that you pay on it at least a year before getting the money from the CD out to pay it off. By putting the proceeds either in a high yield savings account or a CD, you allow yourself the means to pay back easily if you have to, not to mention you can gain some interest on it at the same time. All this can be made possible through a bank or credit union. Hopefully with the answers on here, you can make a difference. I thank you for reading and I wish you the best of luck!!!
If you have good or bad credit, and your credit score needs a little boost to obtain favorable terms for new lines of credit, there is one thing you can do to raise your credit score quickly. The current amount of money you owe and the amount of available credit is 30 percent (over 250 points) of your FICO credit score. This factor is your outstanding debt and how much money you owe on your credit cards, car loans, mortgages, home equity lines, etc. Most importantly is the total amount of credit you have available. If your credit cards are maxed, it tell creditors that you utilize your credit close to 100%. Even worse, is if your credit cards are over the limit, putting your credit utilization over 100%. This tells creditors that you are not managing your credit as good as you should be, letting them to believe you are a higher credit risk. Credit scores change on a month to month basis as creditors submit your payment history to the credit agencies. In order to increase your credit score quickly, assuming you have open credit cards and your balances are close to the max, you need to pay down the amount owed on your credit cards. Ideally, paying down your credit cards to under 50% of your total credit line will help to increase your score the most. However, any decrease in credit utilization will help.
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