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I just answered another question like this, so here's my answer, copy/pasted -
Do you have a credit card (secured or otherwise) that you pay on time every month? There's no easy and quick route - credit scores are built over time, with on time payments. You can also go down the path of disputing negative items on your report with the companies involved, but only you can decide if that's worth the hassle.
If your credit score is low, usually there are some obvious reasons -
1) Do you have collections and similar negative items? Big items like that are good to remove if you can remove them.
2) Is your credit card utilization really high? If so, get cards with bigger limits and pay off some cards.
3) Have you missed payments? Paying on time consistently is the remedy to that.
4) Is your history short? If so, don't cancel your oldest credit cards (unless there's an annual fee) and keep paying on time, and your score will go up gradually over the next few years
ryan 1 year ago
take on debt and pay it off on time.
superhookie 1 year ago