How to Raise Your Credit Score

Forum|Forum|8 years ago
March 22, 2018
102 replies
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Ever since I have started using a credit card I have basically had the same score the entire time. What are some ways and tips to raise my credit score?

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jweeks32

Employee

ask u can good or fair or bad ?

WarriorPrincessinMESSIAH

Employee

Make sure you pay your bills on time, close any extra credit card accounts you have and make sure you get them paid off. Also, making sure you pay any bills you owe to creditors and any monthly payments on loans, on time each month will get it raised as well.

atiquram

Employee

Rogermcginty

Employee

Lower your credit cards

Breona1

Employee

If u have a credit card, don't make monthly payment, pay your Bill off every month in full, this will increase your score. Only charge what u can afford to pay off in one month at a time. Finally never use more than 36%of your credit.

Robert-Cohen

Employee

I thought paying in full was a good thing, now I am not so sure. But you are definitely right about the keep the balance low. They bang you right away for that

Dwayne Sterling

Employee

Please help me raise my score

Rvillal

Employee

Raising your credit isn't just being responsible with one line of credit..although that is great to do. Opening lots of lines or at least 1 or 2 every few years and staying responsible with all of them really raises your score. Note: Don't open to many inquiries within a 2 year period, this may lower your score. Let some fall off before opening more. Let's say for credit cards..you get 5 or 6 over the course of many years and only spending at least one third or less of your limit and paying them off monthly on the due date. That's a good view and managing your money and you are establishing credit. You can also establish credit by taking out loans, such as a car lease or a mortgage. With these larger debts you want to be be sure you are on time or early with all your payments. Paying of any debt is also a great way to raise your score. Establishing credit takes time, hang in there!