what makes credit scores go up?
82508
Paying your bills on time, keeping those cards and bills paid off, and having distinguished purchasing power (meaning when you buy something you pay it off quickly) will help your credit score. You can get your free credit score from my source, the 3 credit reporting companies.
840947
1. Making payments doesn't always raise your score.  If you pay it religiously it might go up but not much...it would have to be awhile.  Like a Credit Card, it should come off after 7 years.\n2.  Orchard Bank is a good one. I am using that one to repair my credit and they aren't outrageous at all.  Have had them over 2 years and they took off the annual fee for me because I never was late making a payment.  Repairing your credit score won't happen over night...takes alot of effort and patience!
1161381
An open credit card account should appear on your credit report within 30 days maximum, but building your credit history takes longer.  If you want to improve your credit score, make sure you make your payments on time, do not "max out" your credit line, make payments above the minimum payment, and do not open extra accounts that you don't need.  With at least 6 months of responsible payments under your belt, you should see your FICO (credit score) start to climb.
1167696
Because they want you to pay to actually see what your score is. As long as you have good lines of credit, you are fine.
973880
False. It takes time to build your credit score. If it were that easy, everybody would be doing it.
253793
What is your credit score?
1091396
You can greatly improve your credit, yes. There is already a good answer on here for this, and remember: STAY DISCIPLINED!!!\n\nYou can do it!
1174120
I believe fatwallet.com has info about this.  I believe, not positive, that the hard credit score means they pull your report as an inquiry instead of viewing for updates.  When making a purchase such as a mortgage or lease a hard hit is made.  When you have a credit card - periodic checks are done by your creditor to make sure your score or credit status hasn't changed drastically.  Some credit cards will raise the rate if your delinquent on any other bills, but it isn't considered a hard hit when they check you credit like this..  There is a name for this type of credit check but I can't think of the name. Hope this helps.  Like I said I am not positive.  Check out the website though fatwallet.com..... I read some forums there earlier about this subject.  There is a list of companies that pull these.  Not an extensive list - but list.....
12665
If someone asks you for money to increase your score, it is true that they are likely to be a thief, however, it is NOT TRUE that you cannot raise your score. Your credit score is primarily affected by a few things. First, any time that you make a late payment, even one that is only 30 days late, that will effect your score as much as 50 points the first month. It will climb slowly each month thereafter if you pay on time. So, don't ever pay late. Secondly, a large part of your score is determined by the ratio of credit used to credit available. If you have a $1,000 limit on your card, DO NOT leave a balance on that card of over $500. The lower your credit debt to credit limits, the better your score will be. Lastly, the longer you have credit, the better. Some people will cancel cards and accounts that are infrequently used. Don't do that! Leave them open. On the other hand, having too many credit accounts means you are a credit hog. Every time you apply for credit, your score will go down, for a few months.
838239
You have several good answers here. All I want to add is that credit is a numbers game. The better you understand it, the better you can be at improving it and keeping it high. Here's a little more info that might help:\n\nhttp://financialbasics.blogspot.com/2006/11/credit-reports-and-credit-reporting.html\n\nEnjoy!
298088
I have included a few links that expand on the answer below. I hope this helps.\n\n\nQ. What is a credit score, and how does it affect my ability to get credit?\nA: Credit scoring is a system creditors use to help determine whether to give you credit, and how much to charge you for it.\n\nInformation about you and your credit experiences, like your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report. Using a statistical formula, creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor. A total number of points — a credit score — helps predict how creditworthy you are, that is, how likely it is that you will repay a loan and make the payments on time. Generally, consumers with good credit risks have higher credit scores.
1018948
The most commonly used credit score in US is the FICO score. Scores can range between 300 and 850, depending on your credit history (on-time payments, debt ratios, etc.). According to an ad that runs frequently on Yahoo's home page, 678 is the average score across the entire US.
1001596
You will be fine with getting a morgage. My credit was not much better than yours when I got my morgage. You may not get the best interest rate, but you can have that lowered by paying points upfront. The morgage will increase your credit score in a very short time. Mine is now above 700 since getting my morgage 2 years ago. Just keep paying your bills, do not get into out of hand debt, and give it time. From your score, you are doing things fine thus far, just keep on track.
35279
Good Credit is like trust. It can be lost in a flash but takes a long time to build.  \n\nIf you have screwed up your credit - the only thing you really can  do is get everything back on track.  Every bill paid, and stop being late.  Then just keep on track for the rest of your life.  \n\nover the years your credit will recover and then start to become better and better.  The best thing for growing credit is time.  So keep all your oldest cards and pay them off but DON'T close them.  Keep them open because they are a record of how long you have had your credit.  If you remain in good standing with a credit card company that you opened say when you were 20 - and then you have it till your 40 - you will have 20 years worth of history with them - that is a good thing!! even if you don't use it all the time.   Just keep it open always.\nGood luck with it.
486707
First off you need to know what is in your credit reports both positive & negative. Go to www.annualcreditreport.com and get all three of your credit reports free. Review them for accuracy. Dispute any item you believe to be inaccurate.\n\nHaving negative items on your credit files affects your scores more than having positive items. Public record items such as bankruptcy, judgement and collections(even if paid) weigh heavily on your credit score.\n\nYour goal should be to have only positive items on your report if you want a FICO score of 700+\n\nYou should plan to have 3-6 revolving accounts and 1-2 installment accounts to increase your score.\n\nGood Luck
1061315
Making only the minimum payment means you are only paying interest. People often think that by doing this they have great credit, but this does nothing to your credit score. You should make larger payments if at all possible. To really boost up your credit score, you should completely pay off your credit cards every month but still use them every month. Make sense? Do not open up too many trade lines (credit cards, loans, etc) because you don't want to obtain too much debt. I hope I've helped to shed some light on the subject. Remember, you can also pay the three major credit bureaus to do a review of your credit to raise your score.
99503
When you have better credit.