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I don’t know what my score is but at one time I had amassed about $ 4000 in debt. I’ve paid it all off but I was late abunch of time and had three credit cards go into collection. I know this isn’t good and I was wondering what some steps are I could take to improve my score.

10 Thoughts on What’s the best way to improve my credit?
  1. Reply
    November 20, 2011 at 5:55 pm

    pay things off get rid of credit cards and pey on time

  2. Reply
    November 20, 2011 at 6:36 pm

    Prompt payments are ALWAYS a plus. If you still have a credit card, purchase something small every month and pay the full amount when due, each month. If you can do this on a couple of credit cards, this will help you improve your credit score.

    Also, don’t cancel old cards, if you have any. If they are high interest rates cards, simply put them away and don’t use them.
    By leaving them in your name, the credit reporting companies keep track of HOW LONG you have had credit with particular companies…this also helps to improve your score.

    Those are the two most effective ways that I know of….ALWAYS make your payments on time.

  3. Reply
    November 20, 2011 at 6:57 pm

    Yes, it is a way. #1 – Order your credit report
    #2 – If this happen 2-3 years ago, try to get some credit card from gas station.
    #3 Move the gas bill on your name and pay in time.
    #4 Go to your bank and ask for secure credit card, It’s mean you put $ 300.00 and they will gave you $ 250.00 credit card, If you pay this card in time, after the 12 month, they will refund yours $ 300.00, and your card will become insecure.
    Do this and see what happen. Good Luck!

  4. Reply
    November 20, 2011 at 7:05 pm

    If you are serious about straightening out your credit, visit this recommended website for priceless information.

  5. Reply
    November 20, 2011 at 7:07 pm

    first you’ll need to get a copy of your credit report & correct any wrong/outdated information. you’ll need to pay for your credit score. after you’ve updated your report, then you’ll need to make payments or settle them.

    you’ll also need to open a credit card (just 1), use it rarely, & pay it in full when you get the stmt. this will be a history of stable payments ($ 0 balance is equal to not being late because $ 0 is due on the due date–that’s the key here).

    it’ll take about a 15 months but your score will jump. i was at 525 then after 15 months went up to 677. just be mindful that individual results vary.

    you can request for your credit report from my website just by selecting the equifax link at the bottom of the page

    i wish you luck.

  6. Reply
    November 20, 2011 at 7:20 pm

    First, make sure all the information on your credit report is accurate.

    Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.

    Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.

    Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.

    Repairing your credit and improving your credit score is a slow process that takes time.

  7. Reply
    Mountain Top
    November 20, 2011 at 7:21 pm

    All collection debt paid.

    If you have credit cards, total balance of ALL cards should be less than 50% of the total sum of available credit on all cards. Any one can be maxed out, it’s the totals that count.

    Or … you probably don’t have a credit card. It’s the hardest and at the same time the easiest. I put $ 5000 in savings to back up a secured card. After 12 months, they released the savings – and gave me an unsecured card. Bam – my score went up about 50 points.

    The rest – 18 months after all your “bad” debt is PAID, your credit score will essentially ignore (only a small hit) the old stuff. But only if it is paid. It can be 10 years old, and if it still has a balance, it’s hurting you big time.

  8. Reply
    david a
    November 20, 2011 at 7:38 pm

    to raise credit score

    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.


  9. Reply
    stephen l
    November 20, 2011 at 8:29 pm

    Do it yourself credit repair-period. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $ 19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.

  10. Reply
    rajesh k
    November 20, 2011 at 9:28 pm

    Having a good credit rating, helps a consumer get a loan or credit at better rates and for larger amounts.To know “How to improve credit rating, credit score” plz follow link-

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