2007-01-04 15:19:12 · 5 answers · asked by mlrjpl 1 in Business & Finance ➔ Credit
Pay your bills on time.
Analyze your credit to determine what you can do to bring it up. The answer is different for everyone depending on your credit report.
I've written an article that goes into plenty more detail at my blog: http://explaintome.blogspot.com
The quickest fix is probably to reduce your balance/credit limit ratio on your revolving debt. Pay down your credit cards or ask them for an increased credit limit or both.
Other fixes would be to pay off collections that are reporting constantly. Some collections stop reporting and as they get older they hurt you less. Paying these off could drop your score!
I guess the first thing you should do is go to http://annualcreditreport.com to get your free NO OBLIGATION credit report. This is the only truly free credit report direct from the government without having to sign up for some useless service.
If you are asking this question because you have a goal to buy a home or a car, take your report to a mortgage broker or car dealership. They'll most likely be happy to review it with you and point out some things you could do. I do this all the time for my mortgage clients.
2007-01-04 15:43:50 · answer #1 · answered by Anonymous · 0⤊ 0⤋
For me, I'd say getting a credit card at your bank so you have access to it always. Buy little things like soda, drinks, fast food, cheap things. Then hurry and pay it off quick. Every time you use it, go right over and pay it off. Your credit will jump. It worked for me. GOod luck!
2007-01-04 23:27:18 · answer #2 · answered by dezzer85 2 · 0⤊ 0⤋
Don't fall for credit repair scams!!
2007-01-04 23:39:49 · answer #3 · answered by G M 2 · 0⤊ 0⤋
Pay your bills early, often, & as quickly as possible.
2007-01-04 23:28:13 · answer #4 · answered by Joseph, II 7 · 0⤊ 0⤋
When you find out, let me know. Mine sucks ;)
2007-01-04 23:27:24 · answer #5 · answered by flisagrose 2 · 0⤊ 0⤋