What is the Cheapest way to improve a credit score by 90 points by the end of the year?

Preferably without getting in more .debt I have a 610, with no latefee's or bad marks on my score. I just have a high debt to available ratio. - 70%

Public Comments

1. About the only way that could increase that much would be if you did not have a home and purchased one Otherwise it is just going to be a slow process
2. pay off your credit cards! AND DON"T CHARGE ANYTHING ELSE.
3. Pay your bills on time; early if you can.
4. First of all, pay ALL your bills on time EVERY time until the end of the year. Secondly, if you have a thousand dollars that you can spare for a while, buy a Certificate of Deposit from your bank. Then, take out a loan from your bank and secure it with your Certificate of Deposit. Pay back the loan, and, at the end of the loan, you'll receive the $1000 (plus interest) back from the CD. It sounds confusing, but your bank can tell you more. It's a secured loan designed specifically to build your credit.
5. dispute every bad thing on your credit report if they can't verify the debt it will fall off.
6. Well, you'd have to say what your score is now and kinds of balances you have on credit cards and what sort of defaults/delinquencies. Someone at 680 with a decent history and a good utilization ratio (balance once cards) would have a VERY hard time getting 90 points. Someone at 450 with unpaid collections and bad payment history could likely get to 540 without HUGE problems. 1) Paid down all balances on credit cards so you are using 40% or less of your limit-- this makes up 35% of your score. 2) Pay EVERYTHING on time. 3) Dispute all your old collections, late pays, defaults, etc. Assuming they are paid, the creditors often will let you remove them from your report or just dont respond to the dispute at all, and they fall off. 4) PAY all your old collections, judgements, etc.
7. If you do, in fact, have a history of timely payments with all of your exisiting creditors with whom you have revolving credit (e.g. -credit card issuers), ask them to extend you a higher credit line. This will allow you to have more available credit, and it won't cost you anything, nor get you further in debt. You just must keep that extra credit line available, and not make additional purchases. It is very important to tell them that you want to get a higher credit line WITHOUT checking your credit history. This is important because additional credit checks can negatively impact your credit report. If you are in good standing with the creditor for a while, they will try to make this possible, because it increases the potential for you to make additional charges, thus giving them more money. I don't think it would increase your score by 90 points, but if they raise your limits, it will definately increase within about a month.
8. if you can't lower your balances on the credit cards- call your credit cards and ask them to raise your credit limit- this way your debt ratio will be lower and your credit score might go up a little and also when you going to apply for the mortgage , mortgage brokers have new tool available to them - re scoring program which if you do what i suggested to you will help with your credit score- i see credit score go up after re scoring 40 points.
9. go to www.LearnAboutCredit.com, and visit the super-score page