how can I upgrade my credit score?

Answer 1

Pay off your highest interest rate debt first..... close down your NEWEST un-needed credit cards FIRST...

Answer 2

Time.

There are no quick fixes. No way to boost your score by a few points. Just pay your debts off over time.

A lot of people will tell you that you need to pay your credit card bill in full every month. While that is good financial advice, it does NOTHING to boost your credit rating or score.

You get good credit because you pay your debts off over time. That is why car loans and mortgages are a lot better for your credit then credit cards, because you generally cannot pay them off as soon as the bill comes in.

Money is a tool, and the way to use money as a tool is through a good credit rating and score. And, getting that good rating/score takes... you guessed it, MONEY.

Want the most bang for the buck, leave a running balance on one or two of your credit cards for six months to a year. Keep that balance low, below $100 per card, or lower. (Minimize the interest you pay.) Pay the balance off after year or so, and do the same thing with another card. If you can keep an average running balance of less then $100 on all cards, the interest for a year will be around $24 (assuming that you have a 24% interest credit card.)

Is it worth $2 a month to get your credit score up?

Answer 3

Have someone with excellent credit add you to their credit card account(s).

There are actually services available on line where you pay a fee (hundreds of dollars?) to be added to a person's credit card account for that very reason. They don't give you access to the account or tell you whose account you're on, so you can't just access the account and steal their money.

But, after about 6 months, you can see a huge rise in your credit score, which can save you much more $$$ on lower interest rates than the fee cost you up front.

In fact, it's so common that the credit reporting bureaus are considering overhauling their ratings systems, because it's so easy to defeat the system this way.

Answer 4

Upgrade? Or raise??? Well.....for starters you can pay your bills on time. Then, keep your owed balance below half of the limit they give you. This is a major reason for drops in your score. Also, don't close any accounts, this drops your score. Use your cards for small purchases and when the bill comes, pay it ALL off!!! This will definitely help you! GOODLUCK!!!

Answer 5

get a copy of your credit report, verify all information is correct, then get a secured credit card and pay on time.

Answer 6

first, make arrangements to pay off what you owe then work on new credit ( get a new car) and pay ahead or at least the minimum on time

Answer 7

by getting copies of your credit report and reviewing them
for accuracy and dispute anything you think is incorrect.

www.creditinfocenter.com