My credit is 598 52 points from 650 who do i get it up there?

Question

My credit report score is 598 and 650 is good credit how do i get my credit to that number i have $7,769 debt on my credit report and that is various of debt not just one big lumb sum.

I do not have any credit card debt this is just medical bill and collections from a personal loan i got 4 years ago in which i paid most of it and have $45.00 left on and some from check collections

Answer 1

Credit Steroids, try your local GNC store. Just kidding.
Do you have any collections accounts. If so try to pay those off. Pay off debt. Do not apply for any credit, a cell phone, gym membership or other stuff could result in a credit inquiry. Pay off and do not use any small balance accounts, but keep the account open. Stop using open accounts.
If you have any closed accounts with delinquency history that are closed, pay those off first. If you are a sloppy payer and just seem to always be late for some reason. Get organized. Check on all your accounts on the 1st and 15th of the month. Pay accounts on your payday, not the due date, why wait X days. Based on your score ANY delinquency will keep your score down. Set payments above the minimums. If you are paid every two weeks, then pay every two weeks. Say your minimum is $65, send $40 every two weeks. It is easier to budget. If you have an oline checking account this can be automatically set up.
a>

Answer 2

If you have any collections on your credit file, you want to get those paid off immediately.

Stay away from applying for new credit as well because you lose three points for each inquiry unless it's a home or vehicle inquiry. With a home or vehicle inquiry, you can apply as much as you need to over two weeks and it will only count as one but every credit card inquiry is counted as 1.

Continue to pay your payments on time and try to pay more than the min payment to bring down your balances faster.

You may also want to consider doing some sort of consolidation to put all of that debt in one lump sum. You will probably save on interest and it can help you score.

Remember, credit score is not based on just one thing. It's everything from the length of time you have had credit, to how you have paid your accounts, to your the ratio of your balances vs. the amount of debt you have available to you and so on....there alot of variables that go into a credit score.

If you can, try to keep you debt at 30% or less of your available credit. For instance, if you have $10,000 available to you between all of your credit cards and personal loans, you want to try and stay under $3,000 worth of debt.

This is not something that will go up over a month's time. You will need to be patient and give this a good 6-months to a year to improve your score that much.

Good Luck

Answer 3

various ways... paying on time, irregardless of HOW you get from here to there, is crutial.

You can consolidate your bills; if you have at least 6 months on each debt, consider a consolidation loan, OR A BETTER IDEA, call 1 credit card company, and increase your available credit, and move all the other debt to that one card (preferrably the on eyou've maintained the best credit with, and the longest you've held on to).

After they're paid off, CLOSE THEM, unless they're over 2 years old, then just leave them with a ZERO balance. If you haven't had any activity in the last 2 years, you shoul dclose them as well.

MAKE D.A.M.N.E.D. sure if YOU close the account, it says "Closed by CONSUMER" when the creditor updates your bureau report. if you don't pay attention, they will put "Closed by CREDIT GRANTOR" and that's not good. (This is what they're USED TO DOING when closing accounts).

Good luck...

Answer 4

The easiest way to improve you score is to start repairing your credit. You can do it yourself very inexpensively there is a company out there called Dun Deal Credit Repair shows you step by step on how to remove items from your credit file and negotiate with current debt collectors to improve your score. I also suggest you get a secured credit card the minimum you need to open one is $300.00 you can open it at your local bank. This is the easiest way to start to rebuild while having a few items on your credit file. If you do open one of these accounts do not spend anymore the 20% of your credit limit. Always pay a little more then the minimum payment. EX: if the minimum payment is $10.00 send the credit card company $20.00 you will see a signifincant jump in your score in no less the 90 days. Start by ordering your credit file and start an investigation. Note: do not believe that if these debts are yours they can not be removed from you credit file.

Answer 5

You might want to check out this site - they can help you improve your credit score by using the law and they're 100% legal. They are also in good standing with the Better Business Bureau and do not charge those extremely ridiculous prices like those companies that scam. I used their service and was so happy that I did. They offered a money-back guarantee, were professional, and delivered on what they promised. Check out their website to read all about them. Let me know if you have any questions about the process - I'd be happy to help.

http://www.secureyourcredit.info

Answer 6

Gatsby gave good advice. I would simply add that if you have credit card debt, for each card keep your balance less than 50% of the credit limit. Lower if possible, and keep paying your bill on time. This will help build your credit score.

Answer 7

Need To Fix your Credit?
Visit www.easycreditfixinfo.com

This is the best way to repair your credit. It is a do it yourself program.
Do it Yourself Credit Repair Kit

Everything you need to begin repairing your credit today.

This product details the truth about credit reporting, credit bureaus, financing, credit scores, disputing bad credit and the best countermeasures available to recover credit worthiness. Credit repair is possible and this guide shows you step by step how to do it your self. It's actually EASY!

The info and resources in this credit repair guide represents over 25 years of research and experience in the field. The authors of this guide have witnessed the correction of over 200,000 negative credit elements and the deletion of over 115,000 negative credit items using the exact methods described throughout the guide. You can be one of them!

Answer 8

For Finance and credit solutions I visit this website where you can find all the solutions. http://FINANCEANDLOANS.INFO/index.html?src=5YAWds13tGY73fDG1

RE :My credit is 598 52 points from 650 who do i get it up there?
My credit report score is 598 and 650 is good credit how do i get my credit to that number i have $7,769 debt on my credit report and that is various of debt not just one big lumb sum.
Update: I do not have any credit card debt this is just medical bill and collections from a personal loan i got 4 years ago in which i paid most of it and have $45.00 left on and some from check collections
2 following 7 answers

Answer 9

Pay off the debt so you have less debt on your credit report.

Answer 10

always pay on time