How can I rise my credit score?

Submitted by Langeveld on Wed, 07/22/2009 - 09:35

My husband and I were trying to purchase a home but we need to raise our credit score and I heard about this credit enhancement program that will raise your score to 720 but it costs 750 dollars, any suggestions you have? :)

There is alot you can do to raise your score. Here are a few tips:
Review your credit report for any errors and correct glitches that may not be accurate (but are still hurting your current score). You can obtain a free copy of your credit report by visiting "www.CreditReport.com".
Refrain from opening a lot of new accounts over a short period of time, especially if your credit history is on the shorter side to begin with.
Pay your bills on time. (this is a big one, it really counts)
Don't open any credit lines you probably won't use. For example, don't open a lot of store credit cards just to get the initial 10 percent discount.
Instead of moving credit card balances to lower rate cards, try to pay them off. Transferring balances can change the ratio of your total credit card balances to your total available credit lines, hurting your credit score.
Open a few new credit accounts, use them responsibly, and make your payments on time.
Try to use your credit cards less. Even better, pay them off every month. The bigger the space between your total credit limits and the balance you carry, the better.
Try to keep your balance below 25 percent (for example, $2,500 if your credit limit is $10,000).
Also, don't close old, paid-off accounts. Credit companies used to advise people to close old credit cards they were no longer using. But closing these cards shortens your credit report and makes you seem less credit-worthy.
Avoid bankruptcy. Declaring bankruptcy is one of the worst things you can do for your credit score. It may seem like the easy way out in the short term, but over time it will cost you tons in the way of high interest rates.
Hope this helps you.

Wed, 07/22/2009 - 11:23 Permalink

Hi Langeveld

Make sure there is no wrong information on your report. Otherwise this will have a negative impact on your score. Check your report once a year. You can build your scores through retail cards and gas cards. Get a major credit card to build your score and make sure it is reported to all 3 bureaus. Also make sure this big credit card converts to a normal one after you have used it for, say, 12 or 18 months.

Wed, 07/22/2009 - 11:31 Permalink

Most credit repair companies or law firms only take one of the multiple steps that are necessary to produce the results, that strategy has a much smaller success rate than the comprehensive, multi-faceted approach which can solve the problem of bad credit. The company you choose must have the years of experience of working with the institutions that write the lending guidelines and make the credit decisions. To restore the credit rating, you need to education and counseling program with all of the knowledge and tools necessary to improve your credit rating.

Thu, 07/23/2009 - 07:33 Permalink

The best way to improve your credit score is to pay your bills on time and manage your credit wisely. The most important item is your mortgage. Make sure you pay it on time every month in order to maintain a good credit score. Installment loans, where you borrow a set amount to buy new furniture or appliances, for example, are given more weight than credit cards.

Sun, 08/16/2009 - 18:26 Permalink

It IS 'simple'....I know, at times, it doesn't seem that way. Keep paying on your 'monthly' debts ( car payments, loans, etc) and your credit score will go up.

Sun, 09/06/2009 - 08:10 Permalink

Langeveld

So you want to buy a home... Lets say your credit score is 640 right now, so you can get approved FHA and maybe have to pay a point on the loan because of your score.

Let say the house cost $250,000.... Lets do some math...

Purchase Price: $250,000
Cost to do loan: $2,500
Credit Program: $750

Net Savings after program: $1,750

Show me an ATM that you can put $750 in and it spits out $1,750 in return... I'll be sitting there all day....

Its a good investment, but there are NO gaurantees with Credit Repair.... Period..

Mon, 09/28/2009 - 20:54 Permalink

CREDITMIND........the example you 'set' was pretty good!! If you really want to buy a home RIGHT NOW, maybe you can find one that is less expensive? I'm sure you're excited about buying a home, OP,..but, if things 'sound too good to be true, they usually are'...ya know? I would look around a bit more. In the mean time, keep paying on the debts you already have (CC's, loans) and your score will go even higher.

Tue, 09/29/2009 - 10:48 Permalink

.....I want to add here, too,.....people sometimes don't realize as soon as you 'accumulate' MORE debt, your Credit Score DOES lower. You may want to keep this in mind, as well.

Tue, 09/29/2009 - 10:50 Permalink

While I cannot tell you when your credit score will improve, I encourage you to make your monthly payments in a timely manner, as the longer you make payments, the more positive influence your accounts will have on your credit history.

I encourage you to regularly obtain copies of your credit reports from the three major credit bureaus (Equifax, TransUnion, and Experian) to verify that all listings appearing on your report are accurate. If you find any inaccurate credit listings, you should dispute the item with the credit bureau reporting the information.

Sun, 10/04/2009 - 17:48 Permalink

Here are some steps you can take to help improve your credit rating:

1. Pay off all debts and keep revolving lines below 25% utilization (and certainly don't 'max out' any loans or cards)

2. Get a small store card or gas card or credit card and make payments every month (this will help you re-establish a track-record of positive payment history)

3. Pull your credit report and contest any inaccurate information so that it can be corrected by the credit bureaus.

Sun, 10/04/2009 - 17:49 Permalink

Very nice an simeple steps

I disagree with the seocnd one

If youalready have enough cards do not applyfor any new ones,that will lower the score immeditely.

Use what you have carefully and pay them each month

Sun, 10/04/2009 - 18:02 Permalink

(Just FYI..) ,,each time you apply for a Credit Card, your credit score DOES drop a few points. If you have high balances, on several CC's, this can keep your score from raising, until you bring the balances down.

Tue, 10/06/2009 - 10:13 Permalink

Your credit rating is calculated based on several variables, including:

1) your payment history (do you have any late payments, charge-offs, etc.)

2) the amount and type of debt that you owe, if you have maxed out any of your trade lines.

3)several other secondary factors like the length of your credit history and how many recent inquiries have been made to look at your credit history.

4)Paying off delinquent or maxed out trade-lines will almost always help your credit score.

Wed, 10/21/2009 - 18:08 Permalink

Hello Margaret,
That probaly is one of the single most things to do to keep and maintain a good score. What a lot of people do not relize that payments that are even 30 days late and partial payments can really do damage to your score. Your credit score follows you everywhere. It is always good to keep this in mind. Also use those three free pulls every year. This can make sure no credit nightmares are in your future. This is the days of computers and we all know how quick errors can be made.

Tue, 11/17/2009 - 14:38 Permalink

Make timely payments on bills, so that you can manage to repair your credit report. Once you paid off your bills, make sure you apply for secured credit card and pay off the balance on time.

Thu, 10/03/2013 - 10:50 Permalink
creditrepairqueen (not verified)

Although there is some really good advice provided here to help you improve your credit scores, it is really difficult to assess what areas you need improvement to help achieve the desired scores to close on the home loan.

It is always vital to create a personalized plan when trying to improve your credit scores, because not everyone needs the same things. Some people just need to work on paying down their credit card balances, while some people need to apply for a secured credit card to build a positive credit history, or some people need help with removing 2 or 3 medical bills that are in collection, so there is not one cookie cutter solution; however you can be provided a credit report analysis for free based on your situation to help you target your problem areas.

Let me know if you need assistance.

Sat, 01/31/2015 - 01:54 Permalink
cryptech (not verified)

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Thu, 03/29/2018 - 19:23 Permalink
Britney Daniella (not verified)

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Sun, 10/28/2018 - 10:29 Permalink
Sandra Migual (not verified)

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Tue, 12/04/2018 - 13:39 Permalink
Oralia Brown (not verified)

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Mon, 12/17/2018 - 18:15 Permalink
Nancy33 (not verified)

Hello and Happy New Year everyone my name is Nancy, I want to use this medium to appreciate Ghost for he’s determination in making sure I get a better credit. Nov last year while I made inquiry online for a credible credit repair expert to help get my credit back to speed and by chance I came across wonderful review about this genius Ghost Virus how he helped so many people out there trying to get there credit resolved and fix their credit in short while. I initially had a score of 480 with late payments lingering debts bankruptcy, judgment etc that wouldn’t let me qualify for anything. After 8 days when the job was completed my score increased (780) and my credit is looking good. I’m so grateful and the newest home owner in 2019 thanking (Ghost) you for your, support God bless. Contact him Toady and be happy too (Ghostvirus789@gmail.com: text +1 (205) 418 0498)

Fri, 01/04/2019 - 21:42 Permalink
Paula Dumais (not verified)

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Sat, 01/05/2019 - 01:15 Permalink
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Sun, 01/06/2019 - 01:48 Permalink
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Mon, 01/07/2019 - 12:24 Permalink
Robert454 (not verified)

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Mon, 01/07/2019 - 21:44 Permalink
David456 (not verified)

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Sat, 01/19/2019 - 17:57 Permalink
Shay Johnson (not verified)

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Sun, 01/20/2019 - 14:27 Permalink
Wanda774 (not verified)

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Sun, 01/20/2019 - 17:40 Permalink
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Mon, 01/21/2019 - 15:36 Permalink
Wilson Kelvin (not verified)

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Mon, 01/21/2019 - 23:05 Permalink
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Tue, 01/22/2019 - 13:39 Permalink
Jeff Daniel (not verified)

Hello, my name is Jeff, I have been scammed too many times when i actually wanted to fix my FICO score due to the negative information stocked on it. This hindered me from buying a car and acquiring a mortgage. This particular issue gave me lots of concern because I needed to get a home for me and my family. While I was online, I ran into this hacker whose good work is all over the internet. Many people here endorsed NOBS Credit Repair as a result of his good work, kindness and professionalism. When I contacted NOBS he told me to give him some couple of days to get through my credit. To my greatest surprise he deleted all the negative information on my credit profile just as he said within 9 days. Am now proud of my credit score been increased to 790. All thanks to him, may God bless him. You can reach him on: NOBScreditrepair@WRITEME.COM. Thank me later!

Wed, 01/23/2019 - 14:00 Permalink
Georgi Georgiev (not verified)

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Thu, 01/24/2019 - 00:14 Permalink
James Albert (not verified)

I’ve always doubted the possibility of fixing credit score issues, clean up DUI report and chexsystem within 48 hours interval not until I consulted NOBScreditrepair@WRITEME.COM two months back, through a trusted friend’s recommendation. They did not just remove the negative items on my report, but also increased my score a bit higher up to 850. I’m indebted to NOBS Credit Repair and that’s why am here sharing the testimony that someone might be assisted likewise. Cheers!

Sat, 01/26/2019 - 21:18 Permalink
Fredrick Murray (not verified)

Due to a lot of hardships and circumstances beyond my control, my scores were in the ditch. I was served with an eviction after I broke my lease, they swore the information was sent to my current address but I never received the eviction because of being gone from my previous address and never wrote a letter stating why I was moving. I basically moved from house to house to have a roof over me and my family’s head. They stated on each case that I had an eviction although I’ve paid the last due balance. It will literally take way too long for me to try sending 3 letters to the 3 credit bureaus and waiting for the eviction to be removed. However, I decided to dig online for credit repair solution and I came across a review on Quora about Ghost and I must admit I was impressed. I quickly contacted him on; Ghostvirus7890@gmail.com: 205 418 0498 asking if he could help me and how much he would charge. He replied after discussing the process, we moved on and guess what? He removed the eviction, fixed my credit history and raised my score to 800. He deleted the student loans, medical bills and the bankruptcy filled 2017. I eventually bought a home with his help and we are happy, may God bless him.

Sat, 01/26/2019 - 22:31 Permalink
Jennifer Bruce (not verified)

Gratitude is a must you hardly find someone to Trust I was down with a low credit profile which had me losing my house, got robbed last year while trying to fix my credit. My name is Jenny a single mother trying to get a prefect home for me and my kids and starting a business of my own. After a month ago I was robbed by some imposters who stole from me all in the name of fixing my credit I later found about Ghost on Trulia where I read review how he fixed a lady’s credit with an excellent score. I was to know how true this was I contacted Ghost and asked for more info and proof of competency to which was satisfactory. I provided the required info for the process and just in 10 days my credit is good and excellent. I advice Y’all with bad credit that needs help should contact Ghostvirus7890@gmail.com; 205 418 0498 and restore your credit today cheers!!!

Wed, 01/30/2019 - 21:37 Permalink
Atkings McCain (not verified)

A big Congratulation to us the (Wilson family) on our new home. My wife and I where down with our credit score and negative items on our report which disqualified us from acquiring a home and living to our expectations. So we made contact and dig the internet for a credible repair service. It happened we found Ghost Virus on credit blogs he is all over the internet we contacted him hoping for a reply which took about 2days due to how busy he is finally he got to us we had a chat and we were glad to work with him. He deleted all the negative items on our report (Student Loans, Collection, Medical Bills, Eviction etc) and increased our score to a high 795 the process lasted for 2weeks and we are here now. DOCUMENTATION BEATS CONVERSATION Restore your credit today and put yourself in the position to get your KEYS! Mail GHOSTVIRUS7890@GMAIL.COM Text 205 418 0498.

Thu, 01/31/2019 - 16:28 Permalink
Ray Knox (not verified)

Hello guys, when you want to upgrade your credit score or have an element removed from your credit report online I suggest you contact XAP CREDIT SOLUTION. Back in 2018 I had a major setback, if you think your credit was bad mine was terrible. I also had evictions that made getting an apartment difficult. My wife has a condition and I needed a loan but I couldn’t, she got seriously ill, my family needed serious help. So i was asking questions on how to steady raise my credit scores, the answers i got did not look like what could get my credit score up in near time. I got notification from a forum and lot of testimonies about a group of ethical hackers called XAP. Via their mail XAPCREDITSOLUTION@GMAIL.COM I contacted them. In 9 days they deleted all the negatives and repos. Thanks to them my score kept increasing until it got to 780. You can text them via (972) 597 9704. I sincerely recommend them. If you are serious with them they will be serious with you. Your testimony is sure…

Tue, 02/12/2019 - 01:41 Permalink
Ray Knox (not verified)

Hello guys, when you want to upgrade your credit score or have an element removed from your credit report online I suggest you contact XAP CREDIT SOLUTION. Back in 2018 I had a major setback, if you think your credit was bad mine was terrible. I also had evictions that made getting an apartment difficult. My wife has a condition and I needed a loan but I couldn’t, she got seriously ill, my family needed serious help. So i was asking questions on how to steady raise my credit scores, the answers i got did not look like what could get my credit score up in near time. I got notification from a forum and lot of testimonies about a group of ethical hackers called XAP. Via their mail XAPCREDITSOLUTION@GMAIL.COM I contacted them. In 9 days they deleted all the negatives and repos. Thanks to them my score kept increasing until it got to 780. You can text them via (972) 597 9704. I sincerely recommend them. If you are serious with them they will be serious with you. Your testimony is sure…

Tue, 02/12/2019 - 01:41 Permalink
Havilah G (not verified)

Hello everyone, I’m Havilah, divorced recently. I decided to buy a home suited for my family. I didn’t have the best track record with funds in my past and my credit profile was faulty. My credit score was 521 and I couldn’t apply for a mortgage, I was desperate to get a roof over my head which almost led to the detriment of my family. I read some good reviews about GHOST VIRUS on Google and different credit sites then I contacted him. Within 8 working days my score was raised to 796 and erased all the negative items on my credit report. This is the best thing that has ever happened to me and my family, I’m totally grateful to GHOST VIRUS for such services given to me. I firmly recommend GHOST VIRUS to you all in need of such services and get your credit issues fixed in a short period. Email now on GHOSTVIRUS7890 at GMAIL dot COM text 205 418 0498. They fix a Chex system and a DUI report as well.

Wed, 02/13/2019 - 02:30 Permalink
Ruben Wright (not verified)

Happy Val! The best way to celebrate this season is to show my unreserved loyalty and appreciation to team Hack West Credit Repair. I’m over 100k in debt from credit cards to unsecure personal loans. I was at the point where the bills monthly are more than my monthly paycheck. I was behind on a few of them. Just couldn’t make the minimum payments. Don’t have any assets besides a car. I couldn’t bear it any more I have to open up to my colleague who said I shouldn’t mention his name. Fast forward, he directed me HACKWEST at WRITEME dot COM / 424-307-2638. I explained myself to them and Hack West wiped my whole debts even the mortgage I had. Today I’m free from any sort of debts. All thanks to team Hack West. Enjoy your holiday!

Thu, 02/14/2019 - 22:18 Permalink
Noel Huddson (not verified)

My surgery loan just got approved and that’s why I’m testifying. Last month I was reading an article on Trulia and I came across a comment about a credit fixer called Xap credit solution and how they helped people get their lives back. I was actually trying to get help last month in other to fix my credit. My credit was in the 400s, I had negatives. I had applied for a surgery loan but couldn’t get an approval. However, I contacted Xap and we reached an agreement. I was really serious about it. And in 10 days my credit was good again, he removed bankruptcy, verified the changes with 3 credit bureaus. I’m in the 700s and I have some positives right now, I never knew that life could turn out this way for me. I am a living proof that they are truly good at what they do. You could email or text them ( xapcreditsolution@gmail.com. (972) 597 9704). It’s my little way of showing gratitude.

Thu, 02/14/2019 - 23:26 Permalink
Jacob Luna (not verified)

I can boldly say without fear or favor that Hack West is the best credit company. Contacted so many companies and they all wanted lots of money to fix my credits. I contacted HACKWEST@WRITEME.COM /+1 (424) 307 2638 and the charge was moderate to clean my negative items from my credit report. The pay was worth it, in less than 21 days my score jumped to 789 across the three credit bureaus and hard inquiries removed including the negative items I had. Thank you so much for all your help. I really appreciate what you have done for me. I wish could give them the whole world as my way of showing appreciation.

Fri, 02/15/2019 - 13:36 Permalink
Isla Alden (not verified)

It’s imperative that I tell you this. You guys have to note that not all those out there who pose to be hackers are real. Creditors kept coming after me and putting all to my credit report; this really caught up with me up and kept drowning my credit score. My score was 430 and all my cards were maxed out. I have been on a search on how to take off eviction from my public records and most people on different forums kept talking about a professional but they were all fake until a friend introduced me what he referred to as “the best and reliable hackers XAP CREDIT SOLUTION” I mailed them on XAPCREDITSOLUTION@GMAIL.COM. They gave me some instructions which I followed, it’s been 5 working days since I paid half of my fee and my score has been increased to 780, all the negatives are gone. I’ve been made to understand that before the 9th day my score should be above 800. I’ve been crying tears of joy since. Thank you XAP!!! Here is their number: (972) 597 9704.

Sun, 02/17/2019 - 00:15 Permalink
Riggs Allen (not verified)

I consulted with Hack West Credit Repair last year when I first started a career in the oil and gas industry. I was hesitant at first like a lot of people may be when considering credit repair services but to this day I’m glad that I decided to trust them with their services and knowledge. I was irresponsible with my credit in my early to mid-twenties. There I was in my late twenties making good money but my credit wasn’t up to par and I realized that it was time to do something about it. I contacted HACKWEST@WRITEME.COM and +1 (424) 307 2638. They took care of my credit quick and kept me up to date with everything that was going on along the way. They coached me on the do’s and don’ts during the credit repair process and I followed. It felt great to start over to work on building a strong credit record. I had a great experience and learned a great deal with Hack West and honestly wish I had gone through with the services sooner than I did. I strongly recommend Hack West Credit Repair to anyone out there that may be considering them. You won’t be disappointed and you’ll thank yourself later.

Sun, 02/17/2019 - 14:23 Permalink
Sucre Graber (not verified)

Just had the most amazing Valentine gift ever, being patient really pays, I was stuck with several charge offs and inquiries. I wanted to get some negatives removed and get my score up again so I can make a better living. I was reading comments about Hackers who claimed to be able to fix credit and I came across testimonial about “XAP”. I contacted them and the rest is History. Bottom line is that I can really say that XAP is a group of specialized legitimate hackers because on Valentine’s Day I saw my credit and almost couldn’t believe it. All these happened in 9 days. I feel it’s all about putting smiles back on people’s faces because I didn’t even make full payments and the results are already glaring. Get more info yourself contact them: XAPCREDITSOLUTION@GMAIL.COM / (972) 597 9704…

Sun, 02/17/2019 - 17:59 Permalink
George Martin Jr (not verified)

Hello there,

My name is George and I'd like to know if you would have some interest to have your website here at creditmagic.org promoted as a resource on our blog georgemartjr.com ?

We are updating our broken link resources to include current and up to date resources for our readers. Our resource links are manually approved allowing us to mark a link as a do-follow link as well
.
If you may be interested please in being included as a resource on our blog, please let me know.

Thanks,
George

Sun, 02/24/2019 - 09:32 Permalink
Nathan Glory (not verified)

If your credit is bad or fair and you want a new home, car, etc.... Don't hesitate to go to Hack West Credit Repair. They will help you fix your credit, and make things easier for you to enjoy the many things you couldn't before due to your bad credit report.... Don't hesitate to contact them via (424) 307 2638 HACKWEST@WRITEME.COM, You will be glad you did. You won’t believe that my credit score moved from low 400s to high 800 in less than 9 days. It works like magic but it’s true. Hack West remains the best.

Wed, 02/27/2019 - 12:25 Permalink
hick brown (not verified)

Hey I’m Hicks Brown. I was in a terrible situation sometime last year. We urgently needed to get a new house, my credit score and that of my wife was bad (350). We tried all we could to get a loan but all efforts were in vain due to the bad credit score, I later read reviews about Credit Wizard, I explained my credit issue to him he gave me some instructions and requested some information from me regarding my credit score in which I provided everything to him. Luckily for me, he was able to fix my credit score from 350 to 750, I was so amazed. You can contact him via his email or his direct number THECREDITWIZARD@WRITEME.COM / +1 (972)534-5519 for similar need and get your credit solved. Hicks Brown

Fri, 03/01/2019 - 01:01 Permalink
lisa price (not verified)

I had made a huge mess on my credit report, years of a lot of debt. Initially, I was skeptical to pay the money to anyone to start the cleanup process. HACK-LIVE reassured me that everything would be OK, so I gave him a try, and to my greatest surprise. Everything worked out great. He helped me fix my credit report in less than 9 working days. It’s hard to live with bad credit. I’m very lucky to have found him on trulia as he is very nice and cares about his clients. I’m so glad that I chose to go with his service and would definitely recommend his service to my loved ones and to anyone looking to repair their credit, and wants it done right contact:HACKLIVE247@GMAIL.COM cheers from Lisa!!

Fri, 03/01/2019 - 02:18 Permalink