What are the best things to do to raise your credit score the fastest?

I guess what I want to know is this. I know to pay off bills and to pay them on time. But, will it help by taking old payed off info and closed accounts off of my credit report?

Public Comments

1. take out a loan and pay it off
2. After a certain length of time, those things will come off your credit report automatically. Old things are removed on a regular basis. Pay your bills on time and if you do have credit cards, pay them off completely every month.
3. Borrow cash from parent's or friends to pay off your debt, then pay them back because that won't be in the "system".
4. spend as little money on credit as possible and try to pay off your debt asap
5. yes get the old info off. the fastest way is to write to those accounts and they'll them you want written proof that your opened those accounts and that if they can't provide you proof then you want them removed from your credit report. By the Fair Credit Reporting Act they are required to provide you proof or they must remove your account info from your credit report. Many companies once an account has been closed and is paid in full will remove the old info because it is cheaper to do that than to find the written proof that you opened an account from several years ago. This will only work if you have paid these accounts in full. This can help if you had some slow pays on those old accounts.
6. get a credit report, see who has sent you to collections, pay off the collections and keep the recipt. ask them to strike it from your credit.
7. best thing you can do is getting a big loan from your bank and pay those off. ----------------------------------- http://www.bestcreditrates.net/
8. Ignore all the advice that would take YEARS to make a difference. Also ignore all the advice to have OLD information deleted. Old accounts are a GOOD thing as long as they didn't involve anything negative such as late pays. The fastest ways to raise your credit score are: 1) Dispute off any recent (less than 6 month old) inquires from your credit report. 2) Dispute any negative information on your credit report 3) Fool the credit bureaus into thinking you have less debt than you really do. For example, if you have a lot of credit card debt then you can time a balance transfer such that the balance will disappear from your credit report for almost an entire month. 4) Use your temporarily but greatly raised credit score as an window of opportunity to apply for a big batch of credit cards that offer 0% interest balance transfers with no or low fees. Transfer any high interest debt to those cards and start paying off your new 0% interest debt as quickly as possible. For more information go to fatwallet.com's financial section
9. DO NOT TAKE PAID OFF ACCT out of your history or closed accounts. The longer your good credit history the better. don't apply for new credit. lenders look at your total credit line vs outstanding balances. that ratio help sets your credit worthiness. Old delinquent accts? (over 7 yr) have them removed. don't close any accts.