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My score is 541 and I am a student. What can i do to fix my score? I feel so lost. Where do i start?
Looking back, I really regret my naive and irresponsible perspective when it came to my credit cards and bank accounts. Now that I've realized how important this all is, and the gravity of the situation, there is a lot of remorse but I still feel a little confused and am unsure on where I can even begin to fix this. Do I have a chance of regaining a good score? Advice and help would be sincerely appreciated.
Asked by
anguye06
1 year ago
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Start building your credit by paying your bills on time (with a low score you REALLY need to pay EVERY bill on time), and pick up some secured credit cards to help you along the way.
If you have a lot of debt outstanding, and are in collections, you should contact your creditors and negotiate payments in exchange for removing poor items from your credit report. Creditors are typically happy if they can get any money out of you at all, and will trade items on your report for payment.
ryan 1 year ago
Hi,
I am a recent college grad so I know how hard it can be. I got my credit score up to 764 by using my credit cards, but paying them off every month. Never have more than 50% of your credit limit used on a card. IE if the limit is $10,000, never have more than $5,000 owed on your credit card. But the more you use the cards and pay them on time, the quicker your credit score will improve.
Also, I have a credit card I only use once in a while, but it was my first credit card from college. I keep it open because you want to establish a long credit history. Never close your cards that you've had for a long time.
Hope that helps. Good luck.
km525 1 year ago