What's the best way to improve your credit score?

Question

Hi. I'm a 22 year old college student and I've had my fair share financial struggles topped with poor responsibility, but now I'm wanting to build for my future. I've torn my score up pretty bad and don't think I'd even be approved for a wal mart card, but I haven't filed bankruptcy or been taken to court over it. So I definitely need to imrpove my credit score, what is the best way to go about doing that?

Answer 1

i do not know how much your score can be rasied but this will defeinitely help you out. i went to http://offur.com/fixcredit , a totally free service that helps you raise your credit and create a plan to keep it up. its pretty helpful.

Answer 2

The very simple solution is always pay your bills on time. There are lots of ways to rebuild your credit. There still a chance to improve your credit score.

Answer 3

why not try and go to a debt management company they will combine all your payments into one and set you up with one affordable monthly payment  and they will even freeze the interest. then before you know it you would have started to get rid of your debts and finally be debt free and have your file wiped clean.

Answer 4

The best thing is to pull your credit report. Then you know where you are. the set up a budget. then pay off your debt going newest to oldest with relation to size. then get two secured credit cards. keep those for two years never close them buy something every six months keep the balance at zero but keep them active but don't close them. apply for a credit increases every six month. then get three credit card from credit unions. ONLY CREDIT UNIONS there the best. and have been on the top of every credit card list. for the last ten years. Look i have good credit now but when i came out of college i had my fair share of troubles. The most important part of this list is a BUDGET! A BUDGET! A BUDGET!

Answer 5

I would use a combination of credit repair and possibly a tradeline program.  They are very affordable and would get you well on your way to having better credit. My mom used it and not only was able to open other accounts, but her score jumped 51 points. Check out the free evaluation form at www.totaldebtsolutionsllc.com They can help.

Answer 6

Ahhh here is a link to an article on how to improve your credit score.   Good Luck.

Answer 7

Hi,

I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.I came across this company on NBC News Special Edition.Check it out here:

http://urlhawk.com/29x

Answer 8

To raise your credit score you need to do two things:

1 - add positive things to your credit records.  Such as paying your bills on time!

2 - Remove negative things from your records.  These may be mistakes made by the credit report companies or bills you haven’t paid!

If your problems aren’t too bad or too complicated than you can do this yourself.  This review site gives you e-books to explain the process and guide you through it:

if your problem is complex - or you just don’t have the time or patience to do it yourself then you will want to use a credit repair company.  This review site will guide you to the three best companies to use:

Good Luck!