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how can you get a credit score from 540 to 620 in 12 months

smckaybiz · Posted: Sat Apr 04, 2009 8:28 pm Post subject:

Well that totally depends on what is already showing on your credit reports tish.

If you have any lines of credit open that are near there credit limit just paying those balances down below half of your available credit will greatly increase your credit score.

It's just one tip but if you need some honest advice you will have to provide us with a little more information first.

devidas_padir · Joined: 01 Mar 2009 Posts: 49 6.41 Dollars($)

You may go for a secured credit card, it surely helps raise your score. Also, you need need to understand that if you enquire for more than 1 loans and he fie gets declined, it may damge your score if you enquire hard. You may ask your debtor to raise your credit limits, this also have a positive impact on your score, rather it is the calculated that way in your scores. smckaybiz is right, on the credit limits.
You also need to ge your credit report and check for any negative remarks. You can ask them to remove if you find some scope.

Garysnober · Joined: 17 Mar 2009 Posts: 450 15.29 Dollars($)

Hi tish, Paying down your debt below 30% and paying your bills on time every month will help you achieve this goal. 12 months is a lot of time and you can do a lot to get your score to where you want it. Dont get too many hard pulls on your credit report. Dont apply for too many within the 12 months things like cc and loans will lower your score if you apply for too many.

gmakerley · Posted: Mon Apr 06, 2009 12:39 pm Post subject:

what gary said makes sense. in addition, if you have negative information on your credit, you'll want to take care of those creditors as quickly as you are able.

Garysnober · Joined: 17 Mar 2009 Posts: 450 15.29 Dollars($)

Oh and yes thats correct george. Any late payments/ negative stuff on your credit report. Would be great if you can get it removed.

lateniteboy_99 · Posted: Tue Apr 14, 2009 10:39 pm Post subject:

The best way is to pay your bills early or on time.. Avoid late payments..Work out bad and negative credit report as early as you can..

gmakerley · Posted: Wed Apr 15, 2009 6:50 am Post subject:

gary i wasn't talking about having negative/derogatory items removed. i was suggesting (apparently not strongly enough) that tish take care of them by actually paying them.

i know that paying one's debts is a novel concept for many, but it would be a nice thing to see happen.

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