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Please give some effective tips on how to increase your credit score within 6-12 months. Particularly, if all your bills have been paid off.

5 Thoughts on What are some pretty effective ways to increase your credit score? Once all of your bills have been paid.?
  1. Reply
    epelham54
    June 10, 2011 at 12:46 am

    I would suggest you get the programs. Coming back strong financially on the web. They have helped me alot and I bought a set for my daughter how went bankrupt and she is doing great has a score over 700 and can get anything now. They are not cheap but they are worth it.

  2. Reply
    BMW BFD
    June 10, 2011 at 12:59 am

    Establish a new line of credit and pay on it on time every month. Get like a gas card or a store card, nothing that can put you in serious debt. Make sure that any cards you had prior are in fact paid off. Run your score at all 3 companies, see where you stand right now. The only way to get an increased score is to show you can pay on time every time.

  3. Reply
    bowler_j
    June 10, 2011 at 1:45 am

    Pay all bills on time all the time – this includes utilities, traffic fines etc.

    Use only a portion of your available credit.

    Don’t apply for lots of new credit and don’t close a lot of open accounts.

    The rest depends on the age of your current credit lines.

    Credit scores reflect more recent activity so it tends to improve quickly.

  4. Reply
    Destiny
    June 10, 2011 at 2:19 am

    do you have ANY recurring bills? car payment, credit cards, student loans? if so pay them on time every month. If you are trying to buy a house or something like that dont open any new accounts. If you dont have any major purchases coming open a credit card account (secured or unsecured) BUT keep the balance at 50% or less and of course pay it on time all the time.

  5. Reply
    shahab a
    June 10, 2011 at 2:20 am

    1. Always pay on time or ahead of time.
    2. maintain low balances on credit cards
    3. keep your total potential debt to earnings load low – If you have a card with a $ 15000 credit line, you may ask them to reduce it to something more realistic, like $ 5000.
    4. I was told by an underwriter that having just two cards, a major credit card (VISA, MC) and a consumer card (Sears, best buy, etc…) is the best mix for revolving credit.
    5. You should have a recent history of both installment or term (Car or house loans) and revolving credit.

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