I have a 717,little debt and pay all my bills on time,so if a 717 is good then how do I get an 850.There must be some insider secrets to it.
2006-06-16 08:02:25 · 9 answers · asked by GOOSE 1 in Business & Finance ➔ Credit
I also have a really good credit score ( 709) and from everything i have been told and seen the best way to keep increasing your credit score is to
* Pay off Credit cards asap
*Pay more then the MIN due
* Do not close out accounts just dont use them
* Dont get any more credit cards then needed
* Do not have companys inquiring on your credit report ( if you have too many inquiries it drops your score i was told)
Those are some key tips i was told to keep in mind, If you have several cards with low amounts on them you might be better off to transfer them all to one card and pay extra on it every month
ALso if you hold a Providian Credit Card you can log on and see information pertaining to your credit report and it shows you monthly how your score is and gives you also ideas of ways to increase your score and lower debt
2006-06-16 09:13:57 · answer #1 · answered by ambermoon 2 · 1⤊ 0⤋
Your score is really good, but the best way to improve it swiftly would be to pay off your lowest credit balance. Make sure that you call the creditor once you have paid it off and closed the account, so that the creditor will list on your credit report that YOU wanted the account closed. This is a quick and easy way to increase your score.
Continue to pay off your smallest balances until everything is paid off.
2006-06-16 08:19:08 · answer #2 · answered by allknowing 3 · 0⤊ 0⤋
Learn all you can at www.creditboards.com
There is no magical secret since the credit reporting agencies arent telling...
myfico.com is another good info site...
Utilization is a big part
EX: if you have a $2k limit and your balance is over 50% this hurts your score...
Credit History: how long you have had credit, how many years.
ect...
check it out!
2006-06-16 12:41:54 · answer #3 · answered by Rob W 2 · 0⤊ 0⤋
There is a way, but it may cost you up to $800 or so. Some lenders will tell you about these "accountants" that challenge things on your report, then if they get no repsonse within 30 days, they can be removed from your report...even bankruptcies! But "some" lenders will tell you they are illegal. Find a reputable lender, and see if he recommends someone to do this legally, and go for it.
2006-06-16 08:32:20 · answer #4 · answered by ljpeterson1956 3 · 0⤊ 0⤋
you can pay your debts on time and that should improve your score, but if you call places...for example to get a car...the process of that credit check lowers your score.
2006-06-16 08:21:56 · answer #5 · answered by skaterbugs 1 · 0⤊ 0⤋
F-u-c-k the credit reporting agencies!! Pay Cash!!
2006-06-16 08:06:14 · answer #6 · answered by pjonas69 2 · 1⤊ 0⤋
Keep your loan payments on time and it will improve frequently.
2006-06-16 08:06:21 · answer #7 · answered by rprashar2002 2 · 0⤊ 0⤋
I doubt it. If it's like anything else you must deposit your pound of flesh, Grasshopper!
2006-06-16 08:06:07 · answer #8 · answered by vanamont7 7 · 0⤊ 0⤋
Borrow money pay it back early .
2006-06-16 08:06:40 · answer #9 · answered by John P 2 · 0⤊ 0⤋