how can i raise my credit report 100 points in a year?

Question

i have 651 score but i want to raise it to 750 in less than a year. is it possible, and how

Answer 1

yes it is possible.
1. go online and dispute all derogs. That will probably raise you a few points. Keep disputing them over and over. Now is the perfect time since it is almost Christmas, the creditors don't have time to look you up and if they don't respond within 30 days it will fall off.
2. Once the creditors have not responded and you have gone up a little, call your best credit cards and ask for an increase in your limit. this is the easiest way and it will skyrocket your score
3. if you have collections don't just pay them off, ask for a deletion slip from the collector, (Yes they can give it to you) offer cash to collections and even offer more than is owed to get the deletion slip.
These will drove your score up 103 points.... lol ok only 99.
Pat

Answer 2

Yes its possible:

1) Pay all your bills on time
2) Pay more than the montly minimum (even $1 more is excellent)
3) For any credit card you have, do no use more than 35% of the available credit (credit card companies like this). If you are already above this threshhold, get the debt on each card to a manageable level
4) Don't pay off all your credit cards in full, but keep some balance, even a small one
5) Inquiries count against you on your credit report, so all those credit card offers you get in the mail, destroy them
6) Don't have too many credit cards (e.g. 10) open at the same time, if you do, consider closing some of them, starting with the most recent ones. The longer you have credit (i.e. the older the credit card is, the better history, which card companies like).

Answer 3

While it is possible to improve your score by 100 points, getting to that 750 number is a different battle.

A 750 is a very high score, and only a long credit history with no derogatory items will get you there.

Answer 4

it truly is feasible. credit ratings can variety by technique of 25 factors in line with month with out many adjustments in habit. in case you discover blunders on your credit record and properly acceptable them, that ought to augment your score plenty. otherwise, keep a sturdy debt-to-credit-reduce stability and do not get carry of new traces of credit. Pay costs on time and pay down debt.

Answer 5

I don't think so, that seems rather steep.

But just keep your debt to income ratio down, don't let your available credit get too high and pay all your bills on time.

Answer 6

The plans are well, but have you looked at your credit report to know YOUR exact plan?