How do I increase my credit score?

Public Comments

1. be responsible and pay your bills on time.
2. by answering questions :)
3. pay things on time or early and apply for a credit card the helps re-establish credit!
4. by answering questions and not asking them:d
5. 35% is payment history, 30% amounts owed, 15% lenght of history, 10% new credit and 10% types of credit! Check out link below! So always pay on time, limit amount owed to credit limit, keep old accounts open, limit the number of new accounts opened and dont have it all on credit cards you need loans too!
6. I think the factors that have the most positive effect on your FICO score are having a reasonable (but not large) number of open accounts, keeping those accounts consistently paid on time, and keeping the balances on your revolving (credit card) accounts lowk, relative to your credit limit.
7. Stop bouncing checks at my store.I'm sick of you doing that.
8. Pay bills on time pay off some of your cards
9. Paying bills on time is important, but so is working the credit report system. Make sure you have at least three diffent credit lines open that report to all three bureaus: car loan, mortgage, credit cards, all of those count. When you have an open credit card and you are not using it, then close the account. Open accounts with zero balances are actually a detriment to your credit. The rule of thumb is to keep a running line of credit. If your credit limit is $200, then keep a steady $60-$100 hanging on there. Pay that amount before the 15 or 20 day grace period so you can avoid paying the finance charges, but keep cycling the balance. These will get you started. If you are interested in learning more, we'l be happy to talk to you on this matter at 877-659-5626. My name is Laura Byers and I'd be happy to be of service.
10. What is your current credit score?