How to raise your credit score?

How long does it take to raise your credit score and what should I do to raise it. My Transunion is 484. My Experian is 523. My Equifax is 423...HELP!!!! I'm sorry my Equifax is 469, but hey that's still terrible!!! Keep in mind I have no credit card debt just alot of collection accounts! Like 9 or more!

Public Comments

1. the lower the better
2. you just gotta pay bills on time and up it will go theres no time table. It could take a year or it could take 7 if you get your bills paid off quick then itll go up if you take your time then it will almost stay the same but slowly go up
3. You need to get a copy of your credit reports. You can go to www.annualcreditreport.com and get your three reports for free (once a year). Look on them and see if they are correct. You can dispute anything that is incorrect. I had to do that. They had open tax liens on there that were paid off 13 years ago. It helped me.
4. make smaller purchase's and pay them in full!!key word FULL.that means no interest,so that makes your apr 0%. keep it that way for six months for more credit 1200$-2500$, every six months.JUST PAY IN FULL.SHOW THEM YOUR WORTH-IT,SOON YOU WILL BE SWIMMING IN CREDITOFFERS
5. Pay your bills, get secured loans, pay credit cards to $0, continue to stay up to date on everything. That's all there is to it.
6. raising your credit score depends on your situation. Go here http://www.myfico.com/Products/FICOKit/Description.aspx purchase the kit. Its a great place to start and is inexpensive. Or you can try those consolidation programs / companies and slowly pay off your debt through them and build your credit up again. You can also hire a credit lawyer to to negotiate your debt with creditors (or do it yourself). I knew a guy back in college you did this and was able to pay 20 cents for every dollar he owed on his credit cards. I don't know any quick fix for a credit score and im not one exists (legally). Its a slow process...
7. First, it would help to know what even makes up your score 35% Payment history 30% Outstanding debt vs. available credit (debt : income) 15% Length of time establishing credit 10% Types of credit established 10% Inquiries and New accounts established Well, the most effective way to raise your score would be to get rid of the the "dead" debt. That's what's tanking your score the most. You have 2 ways to go about handling this, which I'll post more in detail on your other question. You either find out the statute of limitations of collection for the state that you created these debts in and wait it out, the statute of limitations for reporting the debt is slightly different, which is 7 years from the month of the last activity (when it first went delinquent). Or you could use this knowledge to your advantage to negotiate a payment for deletion. Most collection agencies count on the fact that you're not aware of this and will use their own tactics to get whatever they can get from you. If you're able to get them to agree to this, then make sure that you get everything in writing before sending them a dime. . But after you've cleared out your debts, and you're fortunate to get it removed, if you don't have any other credit, it may reduce you back to square one. The easiest way to establish credit is to ask a close friend or family member with excellent credit to add you as an authorized user on their oldest credit card that's in good standing. The activity will reflect on your credit report once you're added giving you an instant boost. Then shortly after that, you can apply for one major credit card of your own, a department store credit card. If you're not able to get a regular unsecured card, you still can apply for a secured card. Another thing you can do is sign up with PRBC, an alternative credit bureau to have payments that don't show on you regular credit like rent, utilites, cell phone, insurance, etc. reported as positive credit to help build credit. I posted the link below for more information. I hope that this information helps, Good Luck!
8. My friend you are in need of some credit help. I would suggest working with myfico, the people who track your score to make sure that you get everything fixed. (see links below) To get you started here are my 10 steps you can use to build your credit score quickly. I raised mine to well over 700 points fro 500 using these steps in less than a year -- : # Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score monitoring listed on the article below. It really helped my get my score up.) # Never Miss a Payment, Starting Today # Never use more than 20% of your Available Credit # Keep Credit Cards that Have No Annual Fees Open For as Long as Possible # Extend Your Credit Limit on Cards You Already Have before You Get New Ones # Get Credit Cards that Have CashBack Rewards to Contribute to your Balance # Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit- # If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan # Take out a Small Personal Loan and Repay it Over a Year # Ask Someone With Good Credit if They will Account Shadow you