How do I raise my credit score?

Pay bills on time. Use only a small % of your credit available as that’s one of the factors. Don’t apply for a bunch of credit all at once. Keep your credit cards open for a long time, don’t close them, and don’t keep a running balance. One of the factors is how long you’ve had your credit cards, on average, so if you can, keep the oldest of your credit cards open & potentially cancel some of the newer ones.

Also, when shopping, if you pay off your credit card or other right away, you’ll build up a better history with the company, and they’ll raise you limit, usually after 6-12 months. Having older cards with a limit that increases regularly also seriously improves your score. There are no quick fixes. For example, mine a few years ago was 520, which was terrible. It’s now 630, which is still very low, but it’s been rising steadily.

Last, if you review your credit report & find anything inaccruate, write the credit reporting agencies to get them to remove the negative, inaccurate info, as that’ll help your score rise in 30-90 days.

start with calling the companies you owe and trying to set up a payment plan. then try to get a credit card with chase or household bank or someone else and start off with a VERY LOW limit so you will not put yourself back in trouble next call trans union and have them remove everything that is closed accounts and accounts older then 7 years. make sure you try to pay down all of your balances to less then have of the limit if you have the money- this will really boost your credit score and try your best to not be late paying any of your bills pay them within 30 days.