5 Thoughts on How can I increase my credit score in 6 months or less?
  1. Reply
    March 6, 2013 at 12:37 am

    Charge less than 20% of your credit limit and make payments on time. Don’t apply for any new credit within that time.

  2. Reply
    March 6, 2013 at 12:55 am

    If you are carrying balances on your credit cards, pay them off in full. Carrying balances of more than 30% of your limit hurts your score. Paying them off will give you a quick score boost.

    Other than that, there is no easy way to quickly increase your score. You need at least 24 months of consistent, on time payment to see improvement in your score. The longer your good payment history,the better your score. It takes time.

  3. Reply
    March 6, 2013 at 12:59 am

    If you have bad credit, getting the bad credit off your reports.

    If you have no credit, acquiring credit.

    The best way if you have no or limited credit is to “piggyback”. Ask a parent or friend who has a couple credit cards with large limits and little to no balances to add you as an authorized user. You will ge the credit history and age which can drastically increase your score.

    Of course if you have really bad credit this will help, but most likely will not get you new credit. You need to clear up your report first.

    visit this website. It is dedicated to help those repair or build credit.


  4. Reply
    March 6, 2013 at 1:35 am

    First, realize that only 25% of credit scores move 20 points or more in a 90-day period. You’re talking about two 90-day periods (six months).

    Make payments on time every month. That affects 35% of your score. Pay down your debt. That affects 30% of your score.

  5. Reply
    March 6, 2013 at 1:55 am

    I would recommend 2 things: 1) a very low cost (possibly free) credit repair program to try to have the negative items removed. 2) I would add a tradeline program to boost your score quickly (60 days or quite possibly less). A friend in California used this and got a 120 point bump from 560 to 680. My friend in California went through http://www.totaldebtsolutionsllc.com and called their toll free# or filled out the free evaluation form to get the ball rolling. Good luck.

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