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Credit Advice
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What can I do to raise my credit score?
Asked by
SRPARTHA
1 year ago
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Pay your credit cards on time and pay more than the minimum amount. * Spend no more than 30% of the card limit per month.
* Apply for credit. Fingerhut is good and they report to the credit bureau.
* Apply for some more credit cards
* Apply for loans
Wether you get approved for any of the above is unknown, and if you don't get approved, it will take your score down some. Even if you do get approved, it'll take your score down some, but as you make your payments on time it's going to bring your score back up and more.
One thing you must do is know your 3 in 1 credit score. That's your credit report from all 3 major credit bureaus.
Also, to bring up your score effectively, you need to know where your score is the weakest, and which companies report to which credit bureaus. After you have that info, just apply for some credit where it's reported to the credit bureau where you're weak at.
If the company reports to all bureaus, that's good. But if you're weak in a particular credit report (Equifax, TransUnion, Experian) you don't want to get credit where they don't report to that particular credit company.
afili8ter 1 year ago