What are the best ways to improve your credit score on a fixed income?

I have little funds to work with. What are the steps I should take to get my credit report looking better?

Public Comments

1. 1.Pay your bills on time. 2.Save up for something expensive, but rather than paying for it upfront, finance it. Then pay off the debt quickly to avoid accumulating interest.
2. it is going to take a while to see a noticeable difference in your credit score. but what you should do is: 1. pay your bills on time 2. dont apply for any more credit (cards, loans, etc.) 3. be patient with the process 4. listen to dave ramsey on the radio.
3. Do not pay off quickly anything. Having a revolving credit line out there, however small keeps your credit improving and getting a better score. To improve and maintain credit you need to: 1. Find out what is on your credit report. You can get that free usually 1 time per year from the 3 companies. You need to call or email then and ask for free copy because you believe there are things on your report that do not belong to you. Experian & Equifax are the two major reporting companies. 2. If there is anything on your report over seven years old, it should be removed. Petition the credit reporting companies to do so. 3. If you can, pay off one of your deliquent accounts at a time. In full. 4. Get either a car or house payment. (if this is too expensive at least get the two next things) 5. Get a prepaid credit card. Buy something small each month and pay it before or on time of your due date. 6. Get a retail card. WalMart, Target, KMart etc. Buy something small each month and pay it before or on it's due date. 7. Remember, it took you a long time to ruin your credit - it will take time and work to get it back up there. BUt if you are persistent and responsible you can get it done. GOOD LUCK
4. Read the following articles to get an insight: Debt Consolidation - Get Out Of Debt http://www.askaquery.com/Answers/qn1643.html How to Hire a Debt Counselor? http://www.askaquery.com/Answers/qn1584.html What is Debt Relief? http://www.askaquery.com/Answers/qn1583.html Debt Management and Building Wealth http://www.askaquery.com/Answers/qn1581 How to lower your debts? http://www.askaquery.com/Answers/qn1576.html How to reduce debt : How to lower your expenses? http://www.askaquery.com/Answers/qn1577.html
5. Pay off the smallest balances on credit cards first. Focus on one credi card at a time.Also don't apply for loans,etc. Any inquires stay on your credit for years, which looks like that you are trying t accumulate more debt.