It is 577, and I think one thing that has brought it down is my house note was 30 days late once, and my car note was 30 days late twice. I think the other problem is debt to income ratio, even though I really don't have a lot of debt, just a lot of bills.
Thanks
2006-09-06 04:40:18 · 5 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
Pay you bill's on time.
2006-09-06 04:45:59 · answer #1 · answered by hullo? 4 · 0⤊ 0⤋
Make sure your debt is less than 25% of your credit lines. That means if your credit card has a limit of $1000, keep the balance under $250.
Pay more than just minimums on your accounts.
Never be late again. This may take several years to come off your credit. When you are over 30 days late you are considered late by the way.
Don't have any inquiries made on your credit and if you have any it will take 2 yrs to come off.
Join www.experian.com and check it constantly to make sure there are no inaccurate items on your report that you can dispute. If you find accounts that are in poor standing that have been there for over 4-5 yrs, you can dispute them and ask them to be removed from your history. When you dispute something there is 30 days allowed for investigation, if they are not able to find answers they will usually just remove it.
You should have roughly 6-7 accounts total. So if you have that many do not get anymore and DO NOT close any of your accounts, even if you are not using them.
2006-09-06 04:53:02 · answer #2 · answered by Anonymous · 0⤊ 0⤋
pay bills on time and start paying them off. Pay off the smallest bill first and then when that's paid off, take the money you normally paid into that bill and roll it into a larger payment on the next higher bill until that's paid off and so on and so on. You'll get done with them real quick
It has worked for me. I am working on my last bill right now.
Get a copy of your credit report and make any corrections to it that need to be done, that might help your score too.
2006-09-06 04:48:49 · answer #3 · answered by island3girl 6 · 0⤊ 0⤋
Do you have any collections or judgments? Do you have high balances on your credit cards? How much equity do you have in your home. You can refinance and pay off your debt. That would help. Let me know if you want more info.
2006-09-06 04:44:04 · answer #4 · answered by mortgage_info_4u 2 · 0⤊ 0⤋
blo someone from the credit bureau
2006-09-06 04:44:04 · answer #5 · answered by Anonymous · 0⤊ 0⤋