2006-08-22 11:44:44 · 9 answers · asked by Abriannah 1 in Business & Finance ➔ Credit
The only "quick" thing you can do is if you have HIGH balances on your cards. Pay it down to 40% or lower and you'll see a nearly instant jump...but only if you are close to maxed out already. (75%+)
Aside from that, if you ahve old collections, try contesting them-- I got a bunch removed, even legitimate ones, because I'd paid them off and simply requested their removal.
Removing bad things and paying down balances are the only "instant' changes. The others are effected by long term stuff-- constant on time payments.
2006-08-22 11:48:43 · answer #1 · answered by Anonymous · 0⤊ 0⤋
You can't. Not quickly, anyways.
And anyone who tells you otherwise is trying to scam you.
You can ALWAYS repair your credit, but it will never happen quickly.
Your first step should be to get a copy of your credit report. You can get a free copy at www.annualcreditreport.com.
Call everyone you owe money to and try to set up a payment plan. They will report this to the credit agencies and it will go a long way in helping you to fix your credit issues.
Once you have spent a few months paying off a few bills, try to get a credit card or other type of credit account with someone.
And make sure you pay on time, every time.
P.S. Paying a large amount to a bill you owe will help drastically, as stated by the other people above. And always check your credit report and make sure there aren't any false or incorrect charges on it... it happens more often than most people think.
2006-08-22 12:01:19 · answer #2 · answered by Tim G 3 · 0⤊ 0⤋
This takes some time. But you can do this yourself. I raised my credit score by 50 points within two months. I received all the info I needed by visiting the website below. I'm so glad I did!
2006-08-22 13:13:18 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Win the lottery!!!
No... really...
Lower any balances as much as you can...
Get a copy of your full credit report and contest any inaccurate information... even some accurate information as Amanda suggested...
Cancel any cards / accounts you no longer use. Keep a few good cards. Having established credit is good for your score. Having too much available credit already brings it down.
2006-08-22 11:55:43 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Depends on what you consider quickly. Paying off your debt will raise your score quick. Quickly as in verses paying your normal payment.
2006-08-22 15:17:17 · answer #5 · answered by bella_4624_19 4 · 0⤊ 0⤋
pay your bills in full on time. try not to hold a balance on your credit cards. if you do hold a balance, pay more than the minimum payment so you are paying down the principle and not just the interest. even paying your utility bills late will affect your credit negatively.
2006-08-22 11:51:39 · answer #6 · answered by rcsanandreas 5 · 0⤊ 0⤋
Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in your report. Here we offer you ten tips to achieve this goal, without having to resort to approaching any external agencies for help.....................................................................
http://www.debt-loan-refinance-mortgage-credit.com/category/Step-by-Step-Credit-Repair-Guide.html
2006-08-24 00:51:03 · answer #7 · answered by huh h 2 · 0⤊ 0⤋
read tips on debt/credti and credit scores on this site
2006-08-22 12:23:13 · answer #8 · answered by Anonymous · 0⤊ 1⤋
Pay your bills.
2006-08-22 11:48:02 · answer #9 · answered by Anonymous · 0⤊ 0⤋