whas the best way to raise my credit score?\?

Public Comments

1. Pay all your bills on time
2. Have no more that 33% owed on all your revolving credit line (credit cards)
3. Challenge each and every negative rating for each of the three agencies. Typically they will removeal all the late payments but not liens, or BKs.
4. My husband had nothing on his credit report so I got him a secured credit card. It's really a savings account that we pay back every month. His score has gone up a lot since I got it for him since it reports like a regular credit card. It went up about 50 points in just under a year from that account. Now he gets offers for credit every week. We used Orchard Bank. Hope that helps! Good luck!
5. well being in some debt is good ,this how you get a credit rating. however you need to pay all your bills on time.check your credit reports from the three main reporting agency's, ,pay your bills so you don't get bad reports.avoid signing up for too much ,multiple credit checks in a short period of time can lower your rating.
6. Get your credit report, and don't get the free report because it is usually outdated. There are 3 credit reporting agencies, each one will state what your score is according to them. It will also state what the reasons are for your high/low score. It may be you need to pay off a credit card or two. Maybe you don't have enough credit cards. Maybe you have something like an unpaid debt that is in collections- take care of that and your score increases dramatically. It is also possible that there is something on your report that wasn't meant to be there. Look at your report and see what it tells you are the negative factors affecting your score and then fix those.
7. A quick fix is to go to www.annualcreditreport.com. You can see you credit report for free, no credit card needed. Go through your creditors one by one. Make sure everything on there is legit. If it isn't, dispute it. And close old unused accounts with your vendors. Going forward pay all bills on time. Make sure you only use about 25% of your total available credit. That is, if your credit card has a $10,000 balance, don't carry a balance of more than $2,500. It's not a sure thing, but it will get you going in the right direction.