How can I raise my credit score with a quickness?
439709
I don't know exactly how quick is quick to you but here is some tips~~\n\n-Get your credit reports from all three credit reporting agencies(Equifax, Experian, Transunion) You are allowed to get them free once a year from each. Other than that you will need to spend about 30-40 dollars buying them from a secure site. You will need a credit or debit card, just like any other online purchase.\n-Pay off as much of your loans/credit cards as possible. The lower your balance, the better.\n-Do not cancel too many cards all at once. Just keep them paid off. (Or as low as possible)\n-Do not apply for too mcuh credit at one time. Once in awhile doesnt hurt, but too much at one time makes you look like a risk\n-Try to get some kind of secured debt Like a car loan.\n-FYI--- Pulling your own credit does not effect your score in anyway.\n\nDoing this should help, but it may take a couple of months to see a difference.
1055269
There are definitely some things that you can do to improve your credit score. I tried to do this recently and came across this site, http://www.webcredithelp.com
1119447
It can vary greatly depending on various personal factors.  You will need at least 5 lines of credit that are well seasoned (at least two years of on time payments and low balances with high limits available.  The trick is to have a substantial amount of credit available and not to use it all.  A home mortgage paid on time for a minimum of 12 months will boost your score as well.  Do not open a bunch of accounts in a short period of time.  Do not apply for accounts that you uncertain whether they will approve you or not.  The other factor is to have successfully paid off a few installment accounts that show as paid in full on a timely basis.  Do not apply for motgages, auto loans, etc; if you have opened accounts that are less than 5 months old.  Newly opened accounts count against your scores.  You can sign up with a credit monitoring service for around $10 per month that will notify you by email every time something changes on your credit bureau accounts, including scores.  It is also useful in protecting yourself against identity theft and acts as an excellent early warning system in the event of unusual activity.\n   Remember, pay on time, keep balances low, ask for limit increases every six months or so.  Maintain several accounts of various kinds.  Pay some off and establish a solid record of responsible borrowing.  Good luck.
69521
go through a credit counseler to reduce intrest allowing to be paid faster and increasing score
292764
I dont think there is any "quick" way to build credit.  The way I started my credit was I got a loan from my bank for 2000.  I put that money in savings and used that money to pay on it every month.  It takes about six months for it to appear on your credit report, my suggestion is to have it paid off in the 6 months so that you are not paying as much interest on the loan.  This will also allow you to establish credit with the bank and if you ever need them again they will take into consideration that you paid off the last loan they gave you with no problem.  Another way is by getting a department store credit card.  make a small purchase on it a month, and every month pay that purchase off.  If you are denied the credit card, wait at least 3 months before applying for another one.  Too many inquires on your credit will only hurt your credit score.
992979
As you make purchases, and make your monthly payments\nON TIME, you will automatically qualify for limit increases. If a year has passed, and your account has been kept in good standing, you can also request a limit increase. Keep in mind, if your goal is to stay out of debt, increasing your credit limits does not sound like a good idea. The fastest way to improve your credit score is with an installment loan, like an auto loan or mortgage. You get a lot more points for paying this type of loan on time than you do revolving, or credit card accounts. Any other questions in this area, feel free to contact me.
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
356395
Very slowly. First get a credit report from expeirian and see what you owe and what ccjs etc you have got.\n\nThen pay the money you owe.\n\nThen go to all the banks and try to get a bottom of the pile credit card with almost no limit.\n\nkeep spending on the card and keep it up to date on payments and your credit limit will rise slowly\n\nThen after so long your credit score will rise and hey presto your on your way.
40270
To legally improve your credit profile, you should: \n\nRemember to pay all your bills on time. When you are delayed or delinquent in a payment, late fees are charged, more interest accrues and your credit health is negatively affected. \nApply for a department store card or gasoline credit card, which are often easier to qualify for, and pay those bills on time. \nContact your card issuer immediately if you were unable to pay your bills on time, or if you have found an error in a bill. Be sure to make any complaints, and get corrections, in writing. \nMaintain a small number of credit cards and close unused accounts. Creditors look at your potential for going on a spending spree and falling too deeply into debt. The more credit cards you have, the larger your debt potential. \nKeep your debts reasonable. Financial experts say that, as a rule, non-mortgage debt payments should not exceed 10 to 15 percent of your take-home pay each month. If your debts are higher than that, try to reduce them before applying for another loan. \nAvoid unnecessary inquiries. Any time you authorize a creditor or other business to check your credit report, an inquiry is added to your report. If you have a large number of inquiries in a short amount of time, creditors may infer that you are either applying for too much credit because of financial difficulties or taking on more debt than you can repay. \nOrder a copy of your credit report at least once a year from each of the three credit reporting companies to stay on top of changes to your credit profile and to check for identity theft.
946831
If you have a bank account, you may consider asking your bank for a credit card.  They may require that it be secured, which means you would have say $500 in an account that you couldn't touch, and you would be borrowing against that money and paying it back.  Then use it for gas and groceries and pay it back every month.  After a while (six months or so) you can apply for a real credit card, they will see you can pay, and will probably say yes and offer you a higher credit limit. As long as you use the cards, but don't really appear to need the cards, they keep raising your limits. For credit scores to be good once you get your cards, you don't want to have the cards charged up above 30% of the total value.  Stay away from Capital One, they do more injury than good to people's credit scores.\n\nYou can also try jewelry stores and electronic stores if they have anything you want to buy.\n\nThere are other ways too, but they take some major explaining. So if you are curious, email me and I'll respond.  Part of how you better your credit has to do with why you want it improved. What is your goal and why?
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!
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!
643642
Get a secured one. That is one where you have to make a deposit into a special account and then as you use and pay the card you re-establish your credit. It is a lot safer than getting one with a really high interest rate(19-29%) that I might add is compounded daily. Also for good reference, it is better to pay it all off as you charge rather than carrying the balance forward that's how they make all their money on you only paying the minimum due.\nGood luck with improving your credit rating.
1177350
In regards to Revolving Credit (Credit cards, etc.):\nPay down the balances to within 20-30% of your total credit limit. This should help to boost your scores. If you do not have the money to pay this down, call your credit card companies up and ask for a limit increase.. this will automatically allow your debt to limit percentage to lower.\n\nIn regards to Installment Loans: If you have ANY loans with high risk lenders (i.e. American General Finance, Well Fargo Finance or any other company with "Finance" in their name) pay them off quickly, or borrow from your local bank / credit union to pay them off if possible. Due to the risky nature of these lenders, the fact that you have this type of loan will hurt your scores. Paying them off will boost your scores.\n\nIn regards to credit mix:\nMake sure you have a balanced mix of types of credit... in other words, you should have 1-2 credit cards, 1-2 loans and possibly a mortgage. This shows good balance in credit and a healthy score should be given.\n\nOne last tip: Although they claim it does nothing to improve your score, mortgage lenders across the US have found that by requesting to Opt Out of the credit bureaus mailing lists (that they sell!) you may see a boost in scores in about 10 days... usually small, but it might push you over the goal you need. See the resources for the link.\n\nGood luck!
998414
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc). You can get your first set free on an annual basis at annualcreditreport.com.\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcr... for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards unless necessary.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
541487
Suggestion: Go to 'rent to own' places and ask them if they will report your timely payments to the credit bureaus for you. Most of them will be happy to say yes, if you buy something of course. Get something small and simple and make the payments on it. Try to get 90 days, same as cash and knock it out before the 90 days are up. They report your good work and you can start rebuilding your credit. The bad stuff will still stick around for 7 years, but your efforts will help you in getting loans if you need them. Good luck to you!
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.