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Category: Credit Report
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Added: Mar 27th 2008
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Availability: Available for US customers only
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How To Raise Your Credit Score
For a quick boost are applying for small secured credit accounts. These lines of credit are guaranteed by your deposit, and as long as they are reported to bureaus (make sure when you apply - some aren't!) these will go a long way in re-establishing your score. Another way is to dispute the items on your report that are weighing it down. Finding and prioritizing the derogatory items is the first step in remedying what is holding you back. Remember, you have the guaranteed right (by Congress none the less) to have an accurate credit report.
Paying down your debt on the cards you have is just about the quickest way of accomplish an even faster boast. Not many people realize how important your debt to balance ratio is in formulating your rating. If you have a number of credit cards that are pushed to their limits, even if you have years of positive payment histories, you simply look over extended. And nothing scares a potential lender faster, than someone who looks like they are simply applying for more money, when they already are tapped out elsewhere!
If you have a 700 or above, it is consider a good score while 850 is desirable perfect score. The things that will affect your score will be Payment history. If you have paid bills late, had an account referred to collections, or declared bankruptcy this will be negative to the score.
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