Many firms offer ways to improve credit scores. How can I find out which ones really work?

Question

I really want to improve my credit score from being fair to good.

Answer 1

i agree with them, I have two roommates, both are terrible when it comes to managing money. i sit them down every month and go over their finances, how much they spend, save, piss away, etc.

Its amazing to me that they "lose" 3/4's of their paychecks (they both make about $20 an hour) each month.

Identify your wants, identify your needs.

Sacrifice your wants, only purchase your needs and you will do fine.

Take all of your current debt, eliminate as much as possible. if you have more than one credit card, keep the one you have had the longest, cancel the rest.

Do not pay off everything at once, I have my roommates pay half of their credit cards rates, one month, half again, half again, and then pay it off. (They have $1000 each in total credit)

somehow they keep racking up the credit though, its counter-productive if you do that.......

:I think the best way of improving your credit score is not by relying on firms, but discussing it with your friends that are financially savvy.

If you want further assistance though, feel free to Email me, I will be more than happy to help.

Answer 2

There are several reasons why your credit score is not that great. If you simply haven't been paying to your creditors that's one thing. Manage your money wisely and improve your credit score. May be you have too many credit cards. That can damage your score too. You score might be lower than it should be if there are errors in your credit report. Those guys working at credit bureaus are human, they make mistakes. May be you have been a victim of identity theft and you need to prove it to your creditors. In the last to cases you need to contact the credit bureau and if you can support your claim incorrect information will be removed from your credit report within 30 days.

Answer 3

None. A credit score is derived by a complex, emperical, statistically validated, historical data set of millions of credit files.
Look at it another way, if someone could "rig" or manipulate the system it would not work.
Simple rules: pay on time, limit inquires, keep some accounts at zero balance, but use them once or twice every 6 months, try to keep the oldest accounts open. avoid getting balance 50% over credit line.

Answer 4

the best "firm" is you. pay up your bills, or pay them off, pay all others on time for at least 6 months and you will see you score go up. just be diligent about paying what you own now and you will see the score rise.

Answer 5

They are all scammers. The only real way to improve your credit is to pay your debts down.

Answer 6

There you go : http://cleancredit365.com?=yh070315

Good luck !