Is 665 ok (for a 22 year old)? If there's no "quck fix", what are good tips in gereal to maintain and elevate the credit score I have? Also, how many points does can the score go up each year and by what means (I know it varies form person to person).
2007-03-03 06:47:59 · 2 answers · asked by Anonymous in Business & Finance ➔ Credit
There really isn't a quick fix.
Pay all bills ON TIME is probably one of the easiest ways but even that takes a few months of regular on time payments.
Reduce your debt. If you have credit cards with debt on them, pay all of it off or at least pay it down so it's less than 30% of your credit limit.
Check your credit report and dispute any items that are not legitimate if there are any.
2007-03-03 06:52:54 · answer #1 · answered by Faye H 6 · 0⤊ 0⤋
pay your bills. pay off debt. the score will increase. Basically the credit score is a measure of how well you pay and how much you can pay so if you pay your bills on time and reduce your debts you can have a good score. 665 isnt bad seeing as you probably dont have a lot of credit right now. get a car loan or something and pay it off, use credit cards with responsibility, anything that doesn't involve paying in cash will help if you dont let it become debt. that tends to be the trick.
2007-03-03 06:58:25 · answer #2 · answered by Jake S 5 · 0⤊ 0⤋