how can i make my credit score higher?

Answer 1

first of all youll need to review your credit report.. It will contain your score and will tell you a lot about why your score is what it is. Generally, having a history of personal loans with good payment habits (ie. meaning no late payments) will give you a good baseline fico score. If you are younger having a small number of revolving credit accouts (credit cards) of which you use and regularly pay every month...ON TIME....while at the same time having a relatively low balance in relation to your entire credit line. Generally these are habits that will overtime give the business world a sense that you are credit trust worthy. This process takes time (years) and as time goes on your score will slowly rise. Generally, a credit score of 700 and above with previous credit history puts you in the ranks of good credit

Answer 2

1. Pay your bills on time
2. Pay down any credit cards you have to 30% of your limit
3. Do not apply for any new cards, or loans each time there is an inquiry your score goes down approximately 5 points.
4. If you have derogatory items listed you can dispute them, if that does not work they will be on there for 7 years, then fall off.
5. If you have accounts with zero balances do not close them it lowers your available credit to debt ratios which will lower your score.
6. patience, it takes time to raise your score, if you follow the above steps within 6-12 months dependent on if you have derogatory items your score should rise significantly

Answer 3

You can have numerous tradelines, and as long as they all have low utilization (shoot for under 10% at statement cut), and are reporting paid on time, as these accounts age, you will get bumps in your FICO score. You also need to go through the credit repair process, disputing any derogotories, and also paying companies if they will delete negatives from your credit report. It takes time, but you'll get there. I started out at 490 FICO 1 year ago and am at 670 on 2 of the 3 reports. It takes a lot of patience and diligence. Go to www.creditboards.com/forums for lots of great info!

Answer 4

one or two credit cards only
low balance
payments on time