can some one adding me to their good standing creditcard help my fico score go up?
90911
Depends on their length of history. The longer the history the better. You will receive their positive tradeline as well as their age. If it's a fairly new account you could take a small dip in score until it ages a bit then see quite a nice increase.
69521
go through a credit counseler to reduce intrest allowing to be paid faster and increasing score
1010101
You can get it, just not a good rate with your current score. And there are ways to boost your FICO scores in a few months. I can help you with it. I work with a big direct lender/mortgage broker doing business in 48 states, and because the huge volumn of business we do, we get better rate than smaller brokers. We have over 200 loan programs to meet the needs of different situations, from good FICO score and good income and down payment, to poor FICO score and NO income (called "stated income") and NO down payment, so I will be able to find the program which best fits your needs. Contact me at xjuy@yahoo.com or 408-476-0455 and I can help you. Jessica
1007792
if you have alot of credit cards then close a couple... too much credit is just as bad as not enough credit.....      if you only have a few credit cards then keep them open.......  it raises your fico score....
402742
I CAN SEE YOUR NEW TO THE CREDIT GAME!  DON'T MISS ANYMORE PAYMENTS! GET A FEW MORE CREDIT ACCOUNTS, BUT DO NOT USE YOUR FULL CREDIT AMOUNT ON ANY OF THEM AND.....   DON'T KEEP A ZERO BALANCE!!!!   SHOWING YOU CAN OWE WITHOUT BEING UP TO YOU LIMIT ALONG WITH PAYING YOUR BILLS ON TIME WILL HELP BUILD YOU CREDIT. THEN YOUR SCORE WILL GROW! ................... AND DON'T TRY GETTING MORE CARDS AND NOT USING THEM THAT WILL ONLY TIE UP CREDIT.  YOU HAVE TO USE CREDIT TO BUILD CREDIT!
225879
As far as I know if one of your credit rating is good, then it wont matter if the other's is bad - I think its like some loans.  Co-signer w/ good credit = :D
525918
The safest thing to do is contact them ASAP and make a payment that will bring you below your limit.  Many things happen when they calculate your statement at month end, they assess extra fees and penalties, they adjust your limits and they re-categorize your risk profile.  All these thing can have an effect on what your cost will be, so don't wait. \n\nWhen you call them take the opportunity to ask for a credit increase if you are going to hit your max periodically.  \n\nNever forget that in the hands of undisciplined users --CREDIT CARDS ARE PURE EVIL.  DO NOT LIVE BEYOND YOUR MEANS.\nYour choices now will have an effect on your credit needs in the future (like buying a home.)\n\nGood Luck ~The Renegade Banker
22385
If you pay your credit cards to an amount equal to or below 35% of the card limit you will see a score increase. I suggest this to all my mortgage customers when they need to tweak their credit scores to get a mortgage.
977076
3 Ways to improve your credit score..............\n\n\nPay off Debt = http://www.expert-credit-advice.com/debt_settlement_service.htm\n\nDispute Negative Items = http://www.expert-credit-advice.com/credit_repair_service.htm \n\nAdd Positive Credit = http://www.expert-credit-advice.com/building_credit.htm \n\n\nWatch your score skyrocket!
215461
It will take several months to a year to get your credit really improved. Be careful of using a company who says they can raise your credit score. Cause legally they cant. Only you can. And while paying them large sums of money, you can dod it yourself for free. Depends on the elbow grease your willing to give. Check it out. There really is no super fast way to do it. But the best and probably quickest way would be to go to Annualcreditreport.com and get your free 3 credit reports. Then go through them and dispute the negative items on your report that dont make valid. Even if unsure, do so anyways because it becomes the responsibility of the creditor to prove that the information is accurate. If the creditor doesnt respond within 30 days the negative item has to be removed by law. In which removing a negative credit report item raises your score. Also, finding your most recent and lowest balance debt and offering halve of what you totally owed for it. Most creditors are willing to do this if your account has been way behind for a long time. Because now they're just worried about getting any money from you at all. Same is 100% true for collection agencies whom took over your bad debt. Offer half and no more. Ask to include in writing and mailed to you that they will remove negative from your credit report in terms of full half-amount payment. That raises your score. Other would be as suggested to get a secured credit card and just use it for gas twice a month or something small. Dont use it for anything else! Thats how you get screwed up again. Make the payments on time...everytime. This will start to show up as a positive item in your credit report and by showing a low balance on you card (30% or less of high limit) will show you can be responsible with your credit and thus create a higher score and higher opinion of a future creditor...such as an auto financer. Heed this and Hope i was of some good help to you. Good luck. Shuuutnstr =o)
982090
Yes, you can by  asking the credit bureau, the best thing is \napply for a credit card if they approved you it means you do have a good credit and if not it means you have a bad credit.
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!
1070852
See if you can have someone add you as an authorized user to their cards. (maybe someone in your family) Be sure that the card(s) they add you to have an excellent history and low utilization.\n\nDoing that should raise your scores. If you are added as an AU, wait for it to start reporting before you start applying again.  \n\nUnfortunately, if you have been constantly applying, your scores have dropped lower due to the inquiries. It usually takes about 6 months for an inq to have less effect on your scores.\n\nYou might look at getting a secured card. Depending on where you get the secured card, it should unsecure in about 9 - 12 months. As long as you have a good history on it.\n\nYou might do the card selectors on Bank of America, HSBC and Orchard Bank sites. The selectors will not pull a hard inq (only soft's) unless you actually apply for a card, then they will pull a hard.  \n\nKeep in mind that even if a card is recommended to you that it does not insure you will actually be approved for the card.
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!
93964
I'm not sure that you can increase 50 points in that short amount of time.  Unless you have a serious discrepency on your report, which you must write to the credit bureau to have investigated and then hopefully fixed, the only way to raise your score is to eliminate late payments to your accounts.  At best, this would take a minimum of 90 days in order to significantly impact your score.
870770
You can raise your credit score substantially (30-50 points), by your debt to income ratio.\n\nHere are a few examples:\n\nFirst pay down you cards. (don’t close your accounts)  \n\nNext:\nIf you had 2 credit cards one with a $10,000 limit with $7,000.00 used and another card with a $5,000.00 limit with nothing used, transfer $2,000.00 from card #1 to card #2.  The credit Companies frown on credit cards that are used over 50% of their limit. \n\nIf you keep you cards at or under 50% of the credit limit and pay the bill on time your scores will go up fast.\n\nIf you can’t balance your card out because of other credit issues, another way you can try is get on someone’s (a GOOD friend or relatives) department store or gas card account as a card user only (you won’t be responsible for there debt). Be sure this person has good credit and make all payments on time, if they don’t this will work against you.\nEvery month when the credit is reported you will receive the benefit of your friends good payment history. That in turn will raise your credit scores and make new credit more available to you. (this should take 30-60 days)\n\nThere are also other ways to raise your scores.\n\nGood Luck
1065449
FICO scores are not used for the purchase of automobiles.  Beacon scores are the determinant method.  Your bank, credit union or other auto finance company will pull credit on you and assign a score.  Different lenders have different thresholds.  The better the deal you get for financing, the higher treshold you'll have to meet.  620 is usually considered the the bottom of the best tier of creditworthiness.\n   The fastest way to increase your credit score is to NEVER charge on any card more than 50% of the high limit.  30% is even better.  Installment accounts that are near 10 months or so induration, should be paid to within 10 months and they will no longer count against your credit.  Never make major purchases within the first 4 months that a new line of credit is established.  Accounts older than 4 months with low balances will drive up your credit scores.