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what do i do? where do i start?

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jerrywilliamsh

Joined: 18 Jan 2010
jerrywilliamsh's page
Posts: 2

43 Magic Points

Subject: what do i do? where do i start?

Mon Jan 18, 2010 1:00 am

how do i raise my credit score?

debranewell2008

Joined: 10 Oct 2009
debranewell2008's page
Posts: 594

99 Magic Points

Mon Jan 18, 2010 10:33 am

The first thing you need to do is get a copy of your credit report. Then make sure everything is reported correctly on it. Such as bad debts still listed after 7 years. Inquiries listed longer than 2 years ect. After getting a copy of your report and checking it for incorrect listings if you find any let us know and we will be glad to help you fix any that are not listed correctly.

carol

Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California

29555 Magic Points

Mon Jan 18, 2010 12:17 pm

Hi jerrywilliamsh

Yes, begin by checking your credit report and see what are the accounts listed and if all of them are valid. Here are few of the ways by which you may improve your score:

If there are a/cs past the SOL, get them removed
Remove false information by disputing them with the bureaus
Pay off balance dues
Don't overuse your existing credit cards
Don't run huge balances on your card
Use old cards from time to time so that they also get reported and as you must know the older your credit history the better for your score.
If you have been a good borrower, you may have good relationship with your creditors. If you do then you may take advantage of it and ask your creditor to remove information like a late payment. This would also improve your score to some extent.

If there is more that you need to know, feel free to ask.
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Keep in touch
Carol

cinnamngrl

Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1455

6339 Magic Points

Subject: do you have specific question?

Mon Jan 18, 2010 1:14 pm

annual credit report dot com
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How to PFD, OPT-out, Complain, etc
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sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: credit

Mon Jan 18, 2010 1:48 pm

Great advice from everyone above!!! Also....with any existing loans you may have (Student loans, personal loans, etc.) the more you pay down on them the higher your credit score will rise. 'Income to Debt ratio' kind of thing.

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