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March 22, 2018
Question

How to Raise Your Credit Score

  • March 22, 2018
  • 102 replies
  • 2 views

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? 

    102 replies

    April 18, 2019
    Keep bill paid up not out pay everything off except one payment
    April 19, 2019
    I don't know.
    April 21, 2019
    THAT CONCEPT I LIKE WE WILL BE IN REACH [TOUCH]
    April 22, 2019
    How to reaksie your credit score
    April 22, 2019
    How to raise your credit score.
    April 25, 2019
    Thanks for those of you that replied to this topic, im still learning the system of credit. It been a long march forward but heres my story of take.
    My credit was in the dunk tank, my income was just barely enough to maintain a record of payment,,,with child support, garnishment of wages by IRS, tax board,,,top roman was a luxury meal for 26 mos., it was all i could afford.
    Ok heres the sacrifice i made,, cash n carry,,, no cash no carry..but that was not really helping my credit,,but it was helping my peace of mind...any change i got back went into a jar,, i never counted it but i figured it would be enough to open a account with a bank, if i just stayed with it...( rough times at best ).. i had 400.00 dollars from all that change , i opened the account ,add 50.00 per month to it..when i had 600.00,, i went into the bank and asked to take a loan against the 600.00,,, i took a 400.00 loan, with interest low enoung that i could stay within the limits of the 50.00 i had been adding to the account,,( less than 25.00 ). So I'd make the small payment and added 25.00 to it..
    Bam,, CS went from a 420, to appr. 480..so i paid it all but 25.00 on the loan, then repeated the process..
    Heres the good part, i used my money to make money, plus improve my CS..that was 3yrs ago..
    Today my CS is in the range of 760+ and improving...i can buy anything i want ,eat a lot better,, and i even feel better about the decision that brought me to this point.
    I use some of the other methods others have mentioned ie, paying down debt, paying a little extra,,, and carring a small balance,, never payoff the cards, but keep the debt in the 1% range,,reviewing my scores weekly,, looking for a better way to send thoses scores to the roof...
    Im trying to create a small booklet of credit strategy ,to help others get to their goals.
    Remember to review your report ,look for dings on your reports, there may be eras , that may also be draging your scores down..do not be afraid to dispute anything that seems wrong,, be persistent in your quest, and be where you want to be in a short time frame..
    I am not a accountant, cpa, or financial adviser, just a average guy looking to improve on old mistakes made...be with health
    May 4, 2019
    I would like investve in buying a home, so I would not have to worry about retirement and a place to live. Plus I would have open gloving doors for my family in crisis and need a place to stay.
    May 18, 2019
    How to raise your credit score
    July 31, 2019

    You can figure yours out here [website removed] they did help with mine when I had a low credit score.

    May 19, 2019
    I have been struggling with this too. Turbo tax says if you pay off your card every month ,don't. Make sure there is one dollar carrying over. No more than 4 credit cards. Dont go over 30% of available credit
    October 13, 2019
    • The best (and instant way) to raise a credit score is writing a Really big check on an active credit card. Apparently, this makes issuers and credit bureaus Very happy. Of course, now we are getting constant emails from a prior bank that wants to reopen our account. But our point wasn’t to Get credit, but to have Zero bills. Totally Love 💕 the CreditWise app, all their predictions were right on the money. 🤠 Also, I like to think of it this way...three $25 payments I Don’t have to make is like voting 🗳 MySelf a $75 raise! How sweet is that?? 🎉