How can you raise your credit score?

Public Comments

1. Pay down your revolving debts to under 30-50% of your available credit limit. Ask the creditor to immediately update this on your credit (instead of waiting the norm 30 day period for updating). This is fastest way to increase your credit score.
2. you can go to all three credit bureaus and dispute stuff on your credit. i used to work for another mort. co. and what we did was have them dispute stuff on their credit even if they owed it. if they do not respond with 30-45 days. They MUST remove it from your credit even if you owe it. It's part of the Fair Credit Reporting Act. Also, do not have more that 4-5 tradelines(meaning credit) on your credit report. If you pay in collections, make sure you get a letter from them stating they are going to remove it before you send the payment, because just marking that it's been paid is not effective enough. It needs to come off. Also, you can avoid credit dropping by watching your credit inquiries. Don't apply for too much. Every 6 drops your score 15 points. And most of all BE ON TIME. hope this helps.
3. The first way to raise your score would be to pay your bills ON TIME Always. Second, keep all of the balances for your revolving credit accounts below 50% of your available credit limit. I would also suggest a good credit monitoring service like truecredit.com from Transunion. This way you can continually monitor your score, dispute inaccurate information, and keep an eye on changes as often as you wish. I have done this, and over the past year my score has gone up 80 points.
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5. If you have credit cards, use them, then pay them off as soon as possible; this will probe your credit worthiness!