2006-10-30 22:40:21 · 10 answers · asked by jason j 1 in Business & Finance ➔ Credit
1st. Get a Game Plan
2nd. Start by pulling each report (all Three Tran, Eq, Ex)
3rd. Dispute all false information. (Learn how to do that by going to creditboards.com)
4th. Get positive trade lines going. Get a few credit cards, if your scores are too low for that, get secured cards.
5th. Do something every (WEEK) to improve your credit...so by disputing bad things and at the same time you add positive lines of credit.
A two fold plan of attack!
Also pay every bill the day they come...change your habits. You must get laser beamed focused on your credit. You will be amazed what you can accomplish in (6) Month's...you can turn your credit world around!
There is no feeling like having excellent credit. YOU can have excellent credit by understanding your credit and how it works.
Then you will be in a position to work your credit instead of your credit working YOU. Use rewards cards for free trips, Airlines miles, gas cards..free hotels. I haven't paid for gas in 4 years, I NEVER pay for an hotel and I took a 100% cruise with my Juniper Carnival Cruise card....WHY because I have learned to WORK my credit...cause I don't work for them..THEY work for me.
SO can you!
2006-10-31 00:04:35 · answer #1 · answered by Anonymous · 1⤊ 0⤋
pay everything on time , or ask a close relative if you can piggyback a card with them..how to do this they will add u as a user on one of there established cards, and u will get there credit as well , for that 1 card ..it really helps as long as they have had the card for a long time and u know they will always pay on time everymonth ...try to keep your balances low on the cards that u have
2006-10-31 12:01:28 · answer #2 · answered by Anonymous · 0⤊ 0⤋
35% of your score is your payment history, make sure you pay your bills on time going forward. It will take some time, but your score will improve. Your current payment history has more bearing then the older history.
2006-10-31 22:06:49 · answer #3 · answered by Mariposa 7 · 0⤊ 0⤋
It takes time. You need to pay all bills on time, the ratio of your debt to available credit is what they look at. so you need credit cards don't close them out just don't use all of them
2006-10-31 06:44:28 · answer #4 · answered by uknowme 6 · 0⤊ 0⤋
you should pay on time is the thumb rule to improve your credit score
2006-10-31 07:54:52 · answer #5 · answered by Anonymous · 0⤊ 0⤋
steady and long term employment, keeping your residence for several years, good income ($35,000 and above), own a car and have paid it off, savings account, checking account, own a home, paying your bills on time, paying all your bills, all the extraneous stuff off of your report, don't keep applying for credit cards (each time you even inquire that goes on your report).
2006-10-31 07:18:02 · answer #6 · answered by sophieb 7 · 0⤊ 0⤋
Pay your bills off and reestablish good credit.
2006-10-31 06:42:25 · answer #7 · answered by Anonymous · 0⤊ 0⤋
And don't forget to show that you have money in the bank.
2006-10-31 06:44:48 · answer #8 · answered by HopeURSatisfiedW/MyAnswers 3 · 0⤊ 0⤋
i suggest you it's all about credit card. visit
http://www.freewebs.com/creditcard4all
2006-10-31 07:25:18 · answer #9 · answered by Anonymous · 0⤊ 0⤋
pay your bills on time ...dont delay...
2006-11-01 06:30:18 · answer #10 · answered by sing i 2 · 0⤊ 0⤋